Question 1

How is my monthly pension calculated under the Old Pension Scheme?

Accepted Answer

Under CCS (Pension) Rules, the basic pension is 50% of the last drawn Basic Pay (or average of the last 10 months' Basic, whichever is higher) for employees who have completed 33 or more years of qualifying service. For those retiring with fewer than 33 qualifying years, pension is calculated proportionately — for example, 25 qualifying years yields approximately 25/33 × 50% of last Basic Pay. The estimator applies this proportionate rule automatically when your service is below 33 years.

Question 2

What is pension commutation and how much lump sum can I receive?

Accepted Answer

Commutation lets you convert up to 40% of your basic pension into a one-time lump sum, calculated using the commutation factor table (based on your age at retirement) under CCS (Pension) Rules. The commuted portion is deducted from your monthly pension for 15 years (180 months), after which it is automatically restored. The estimator shows both the lump sum you would receive and your reduced monthly pension during the commutation recovery period.

Question 3

Does the OPS Pension Estimator include Dearness Relief and gratuity?

Accepted Answer

Yes. Dearness Relief (DR) is applied to the full basic pension (including the commuted portion, unlike DA for serving employees) at the current rate per 7th CPC orders, and is updated by the government every six months. The estimator also calculates the Retirement Gratuity — capped at ₹20 lakh — based on your last Basic Pay and qualifying service, giving you a complete picture of your retirement benefits in one place.