OPS Pension Calculator 2026

OPS (Old Pension Scheme) pension for central government employees is calculated as 50% of the last drawn Basic Pay (or the average of last 10 months basic pay, whichever is higher) for employees with 33 or more years of qualifying service. For less than 33 years, pension is proportionally reduced: Pension = (50% × Basic Pay × Qualifying Service) ÷ 33. Minimum pension is ₹9,000/month. Dearness Relief (DR) is paid on this pension at the same rate as DA for serving employees — currently 60%.

Minimum OPS pension under 7th Pay Commission is ₹9,000/month (before DR). Maximum pension is ₹1,25,000/month (50% of the highest basic pay of ₹2,50,000 at Level 18). With DR at 60%, the actual amount received is: Minimum ₹9,000 + ₹5,400 DR = ₹14,400/month. Maximum ₹1,25,000 + ₹75,000 DR = ₹2,00,000/month. These figures do not include medical allowance or CGHS.

Commuted pension allows government employees to take a lump sum of up to 40% of their monthly pension as a one-time payment. The lump sum = Monthly Pension × 40% × Commutation Factor (based on age at retirement). For retirement at age 60, the commutation factor is 8.194 × 12 = 98.328. After commuting, the monthly pension reduces by the commuted portion for 15 years, after which it is fully restored. Use the Commuted Pension Calculator for exact figures.

No. The Old Pension Scheme (OPS) is available only to central government employees who joined service before January 1, 2004. Employees who joined on or after this date are covered under NPS (National Pension System) or, from April 2025, UPS (Unified Pension Scheme). Several state governments have reverted to OPS for their state employees, but this does not affect central government employees who remain under NPS/UPS.

Family pension under OPS is 30% of the last drawn Basic Pay (subject to minimum ₹9,000/month). It is payable to the spouse after the pensioner death. For the first 7 years after the pensioner death, or until the pensioner would have turned 67 years old (whichever is earlier), enhanced family pension = 50% of Basic Pay (same as normal pension) is paid. After this period, it reverts to 30%. Dearness Relief is payable on family pension at the same rate as DA.