Defence Pension Calculator (India)
Estimate your Service Pension for Indian Defence Personnel.
Enter Your Details
20 years
Minimum 10 years for pension. Max benefit at 33 years for full service pension.
Used for commutation factor.
40%
Maximum 50% of Basic Pension can be commuted.
Your Pension Projection
Basic Monthly Pension
₹0
Dearness Relief (DR) (Current Rate)
₹0
Gross Monthly Pension
₹0
Commuted Pension Amount
₹0
Lump Sum on Commutation
₹0
Reduced Monthly Pension
₹0
Pension Restored After 15 Yrs
₹0
How is this calculated?
- Basic Pension: 50% of your Last Drawn Emoluments (Basic Pay + MSP) for minimum 20 years of qualifying service. Pro-rata for lesser service. Maximum pension calculated for 33 years of service.
- Dearness Relief (DR): Applied on Basic Pension as per government rates (currently 50% as of Jan 2024).
- Gross Pension: Basic Pension + Dearness Relief.
- Commutation: You can commute up to 50% of your Basic Pension as a lump sum.
- Lump Sum: Commuted Pension × 12 × Commutation Factor (based on age at retirement).
- Reduced Pension: Your Basic Pension minus the Commuted portion. DR is still paid on the full Basic Pension even if it’s commuted.
- Restoration: The commuted part of the pension is restored after 15 years from the date of commutation, and you receive the full basic pension again.