Pension Commutation Calculator | ESM Corner

Pension Commutation Calculator

FORMULA: COMMUTED AMOUNT = COMMUTED PENSION × 12 × PURCHASE VALUE (AGE NEXT BIRTHDAY)

ENTER LAST DRAWN EMOLUMENTS

BP + MSP + CLASS PAY + X GROUP PAY (IF ANY)

BASIC PAY (₹)

As per pay matrix at time of retirement

MILITARY SERVICE PAY (MSP)

Select applicable slab

CLASS PAY (₹)

Select if applicable, else leave as NIL

X GROUP PAY (₹)

Select if applicable, else leave as NIL

TOTAL RECKONABLE EMOLUMENTS

₹ 0

SERVICE PENSION

TOTAL EMOLUMENTS ÷ 2

SERVICE PENSION (MONTHLY)

TOTAL RECKONABLE EMOLUMENTS DIVIDED BY 2

₹ 0

AGE NEXT BIRTHDAY & COMMUTATION %

ENTER DETAILS FOR FINAL CALCULATION

AGE NEXT BIRTHDAY

Age on birthday immediately after retirement date. Range: 20 to 58.

COMMUTATION PERCENTAGE

Enter 1 to 50. Leave blank for maximum 50%.

LUMP SUM COMMUTATION AMOUNT

₹ 0

—

SERVICE PENSION

—

COMMUTED PORTION

—

PURCHASE VALUE

—

STEP-BY-STEP CALCULATION

TOTAL RECKONABLE EMOLUMENTS—

SERVICE PENSION (÷ 2)—

COMMUTATION %—

COMMUTED PENSION MONTHLY—

AGE NEXT BIRTHDAY—

PURCHASE VALUE FACTOR—

FORMULA APPLIED—

LUMP SUM COMMUTATION AMOUNT—

POST COMMUTATION — MONTHLY PENSION DETAILS

FULL SERVICE PENSION—

MONTHLY DEDUCTION—

REDUCED MONTHLY PENSION—

PENSION RESTORATION AFTER15 YEARS

FULL PENSION AFTER RESTORATION—

⚠️ DISCLAIMER: This calculator is for reference and estimation only. Actual commutation amount is determined by PCDA (Pension) Allahabad or the concerned pension authority as per applicable government orders. Please verify with your Record Office before making any financial decision.

OFFICIAL COMMUTATION PURCHASE VALUE TABLE

GOVERNMENT OF INDIA — VALUES IN NUMBER OF YEARS PURCHASE | HIGHLIGHTED ROW = YOUR AGE

AGE	VALUE	AGE	VALUE	AGE	VALUE