Guide · Pension
Central government pension guide
Family pension, gratuity, commutation, Dearness Relief and the life certificate: every PaisaTools guide and calculator for central government pensioners, in one place.
This page collects our guides and calculators for central government pensioners, family pensioners and employees close to retirement. The pension, family pension and gratuity guides follow the CCS (Pension) Rules, 2021, which cover civil employees who joined on or before 31 December 2003; gratuity for those who joined from 1 January 2004 comes under the CCS (Payment of Gratuity under National Pension System) Rules, 2021. Commutation follows the CCS (Commutation of Pension) Rules, 1981. Pensioners get each DA increase as Dearness Relief (DR) on their basic pension, and the July 2026 instalment was approved by the Union Cabinet on 28 October 2026. Every guide cites the order or rule it is built on, so open it before you rely on a figure.
केंद्र सरकार के pensioners के लिए family pension, gratuity, commutation, DR और life certificate की सारी गाइड और calculator, एक ही पेज पर।
Key dates
- Life certificate, pensioners under 80: 1 to 30 November 2026. How to submit
- Life certificate, pensioners aged 80 and above: from 1 October.
- Dearness Relief: 63% of basic pension from 1 July 2026 (60% before), approved by the Union Cabinet on 28 October 2026. The DA and DR order
Life certificate dates: DoPPW rule for central government pensioners, as given in our life certificate guide. DR: Union Cabinet decision, as given in our DA hike guide. Last checked 6 Nov 2026.
Tools
Pension and retirement calculators
Gratuity Calculator: central govt
Retirement and death gratuity, CCS (Pension) Rules 2021
Gratuity Calculator
End-of-service gratuity
DA Arrear Calculator
DA or pensioner DR hike on your basic — monthly increase, arrear and a month-by-month table
Sarkari Pay Calculator
In-hand salary for any 7th CPC pay level: today, after 5 years and after 10 years
NPS Calculator
Pension corpus & monthly pension at 60
Retirement Calculator
How much you need to retire
Guides
- Family pension calculation: केंद्र सरकार में family pension का हिसाब, last basic pay से step by step(Hindi)How family pension is worked out from the last basic pay, for a death in service and after retirement: the enhanced-rate period, the minimum and maximum, DR and the additional pension after 80.
- Retirement gratuity calculation for central government employees: the formula, death gratuity and the July 2026 DARetirement and death gratuity under rule 45 of the CCS (Pension) Rules, 2021 and rule 22 of the NPS gratuity rules: counting six-monthly periods, the ceiling, and the July 2026 DA.
- Commutation of pension calculator for central government pensioners: lump sum, reduced pension and the break-even (2026)Commuting part of the pension under the CCS (Commutation of Pension) Rules, 1981: the factor table, the reduced pension, restoration after fifteen years and the break-even.
- Life certificate (जीवन प्रमाण पत्र) pensioners के लिए: कब तक और कैसे जमा करें?(Hindi)Who submits it and in which month, the Jeevan Pramaan face-scan steps, the bank, post office and postman routes, and what to do if the pension stops.
- DA hike July 2026: salary और pension कितनी बढ़ी?(Hindi)The Union Cabinet's 28 October 2026 decision on DA and DR from 1 July 2026, the arrear since July, and what it does to family pension.
- DA Arrear Calculation Excel Sheet for July 2026A free Excel sheet that works out the DA or DR arrear on your own basic pay or basic pension, month by month.
- 8th Pay Commission calculator in Excel (salary + pension)A free Excel sheet that tests any fitment factor on basic pay and basic pension side by side, with the DA reset.
- How is gratuity calculated in India?Private-sector gratuity for comparison: the 15/26 formula, who qualifies, the six-month rounding rule and the tax-free limit.
- UPS pension calculation for central government employees: assured payout, family payout, lump sum and DR, step by stepThe Unified Pension Scheme for central government employees: the assured payout after 25 years, the pro-rata rule, the minimum ₹10,000 and worked examples.
- NPS Calculator Excel Sheet: Free Download, With the 2025 Exit RuleFor employees under NPS: the corpus at 60, how much can come out as a lump sum under PFRDA's exit rule, the tax on it and the pension.
Tax dates for the rest of 2026, including belated returns and advance tax, are on Income tax deadlines, Nov–Dec 2026. All of this is information, not financial advice.