Why the amount in your bank is not your basic pension
The figure in your passbook is built up from several pieces. Your basic pension is the starting point. If you are 80 or older, an additional pension for age is added (20% at 80, rising to 100% at 100). Dearness Relief — 60% since 1 January 2026 — is then paid on basic plus additional pension. If you commuted part of your pension at retirement, the commuted amount is deducted every month until it is restored after 15 years. Pensioners outside CGHS areas also receive Fixed Medical Allowance of ₹1,000 a month. Finally the bank may deduct income tax (TDS) or a recovery.
Putting the credited amount into a pay-commission calculator therefore overstates or understates the result — usually by a lot. The fitment factor applies only to the basic pension.
The formula this tool reverses
Amount credited = basic + additional pension + DR − commutation deduction + FMA − other deductions
where additional pension = basic × age % (rounded up to the next rupee) and DR = (basic + additional pension) × DR % (rounded up to the next rupee).
Two official rules matter here. First, DR is calculated on the original pension, before the commutation deduction — the Pensioners' Portal of the Department of Pension & Pensioners' Welfare states that "Dearness Relief, however, will continue to be calculated on the basis of the original pension (i.e. without reduction of commuted portion)". Second, any fraction of a rupee in DR is rounded up to the next rupee, as every DR order says. Because of that rounding, a credit sometimes matches two neighbouring basic pensions, or none exactly; the tool tells you when that happens and shows the nearest figure.
Worked examples
| Item | Example 1: age 70, commuted, non-CGHS area | Example 2: family pensioner aged 82 |
|---|---|---|
| Basic pension | ₹20,000 | ₹15,000 |
| Additional pension | — (under 80) | ₹3,000 (20%) |
| DR at 60% | ₹12,000 | ₹10,800 |
| Commutation deduction | −₹8,000 (40% commuted) | — |
| Fixed Medical Allowance | +₹1,000 | — |
| Credited to bank | ₹25,000 | ₹28,800 |
Enter ₹25,000 with age 70, DR 60%, a ₹8,000 commutation deduction and FMA ticked, and the tool returns a basic pension of ₹20,000 — not ₹25,000. At a fitment factor of 2.57 that is the difference between an estimated new basic of ₹51,400 and a wrong ₹64,250.
Using PPO figures instead
- PPO issued from 2016 onwards (or a revised PPO): the "basic pension" printed there is already a 7th CPC figure. Use it as it is.
- Old PPO showing pension as on 31.12.2015: under DoPPW's OM of 4 August 2016, that pension was multiplied by 2.57 and rounded up to the next rupee, with a minimum of ₹9,000. Some pensioners later received a higher figure through notional pay fixation (OM of 12 May 2017). The pre-2016 pensioners calculator compares both.
- Only the last pay is known: pension is 50% of the last basic pay (or of the 10-month average, if that is higher), within ₹9,000–₹1,25,000. Family pension is 30% of last pay at the normal rate and 50% at the enhanced rate.
Common mistakes the tool catches
- Using a month with arrears. A DR increase is usually paid with arrears for several months at once. That month's credit is not a normal month; pick another.
- Wrong DR rate. The 60% rate was approved on 18 April 2026 with effect from 1 January 2026. Credits paid before your bank applied it carry 58%.
- Forgetting FMA. If you live outside a CGHS area, ₹1,000 of your credit is medical allowance, not pension.
- Result below ₹9,000. No central civil pension is below ₹9,000, so a lower result means a deduction or allowance is missing.
When the result looks right, press "Use in the 8th CPC calculator" to open the main calculator with your basic pension and age already filled in. You can also check the effect of a DR increase on the DA/DR calculator. How every number is worked out is explained on How we calculate.
यह पेज हिंदी में पढ़ें — बैंक में आई रकम से मूल पेंशन निकालने की पूरी गाइड।
Who this tool is for and how to use it
It is for any central civil or family pensioner who knows the monthly bank credit but not the basic pension, and for children doing the sums for a parent. Pick the mode that matches the paper you have:
- Bank credit: take a normal month's credit from the passbook (not a month with arrears), enter age, DR (60% now), the commutation deduction if any, and tick FMA if you live outside a CGHS area.
- PPO (post-2016): type the basic pension printed on it.
- PPO (pension on 31.12.2015): the tool multiplies by 2.57 (minimum ₹9,000).
- Last pay only: the tool takes 50% (pension) or 30%/50% (family pension).
Then press "Use in the 8th CPC calculator". The commutation calculator will tell you when the deduction stops.