| Basic pension (7th CPC) | ×1.92 | ×2.28 | ×2.57 | ×2.86 | ×3.0 | ×3.833 |
|---|---|---|---|---|---|---|
| ₹9,000 | ₹17,280 | ₹20,520 | ₹23,130 | ₹25,740 | ₹27,000 | ₹34,497 |
| ₹10,000 | ₹19,200 | ₹22,800 | ₹25,700 | ₹28,600 | ₹30,000 | ₹38,330 |
| ₹11,000 | ₹21,120 | ₹25,080 | ₹28,270 | ₹31,460 | ₹33,000 | ₹42,163 |
| ₹12,500 | ₹24,000 | ₹28,500 | ₹32,125 | ₹35,750 | ₹37,500 | ₹47,913 |
| ₹15,000 | ₹28,800 | ₹34,200 | ₹38,550 | ₹42,900 | ₹45,000 | ₹57,495 |
| ₹17,500 | ₹33,600 | ₹39,900 | ₹44,975 | ₹50,050 | ₹52,500 | ₹67,078 |
| ₹20,000 | ₹38,400 | ₹45,600 | ₹51,400 | ₹57,200 | ₹60,000 | ₹76,660 |
| ₹22,500 | ₹43,200 | ₹51,300 | ₹57,825 | ₹64,350 | ₹67,500 | ₹86,243 |
| ₹25,000 | ₹48,000 | ₹57,000 | ₹64,250 | ₹71,500 | ₹75,000 | ₹95,825 |
| ₹27,500 | ₹52,800 | ₹62,700 | ₹70,675 | ₹78,650 | ₹82,500 | ₹1,05,408 |
| ₹30,000 | ₹57,600 | ₹68,400 | ₹77,100 | ₹85,800 | ₹90,000 | ₹1,14,990 |
| ₹35,000 | ₹67,200 | ₹79,800 | ₹89,950 | ₹1,00,100 | ₹1,05,000 | ₹1,34,155 |
| ₹40,000 | ₹76,800 | ₹91,200 | ₹1,02,800 | ₹1,14,400 | ₹1,20,000 | ₹1,53,320 |
| ₹45,000 | ₹86,400 | ₹1,02,600 | ₹1,15,650 | ₹1,28,700 | ₹1,35,000 | ₹1,72,485 |
| ₹50,000 | ₹96,000 | ₹1,14,000 | ₹1,28,500 | ₹1,43,000 | ₹1,50,000 | ₹1,91,650 |
| ₹55,000 | ₹1,05,600 | ₹1,25,400 | ₹1,41,350 | ₹1,57,300 | ₹1,65,000 | ₹2,10,815 |
| ₹60,000 | ₹1,15,200 | ₹1,36,800 | ₹1,54,200 | ₹1,71,600 | ₹1,80,000 | ₹2,29,980 |
| ₹65,000 | ₹1,24,800 | ₹1,48,200 | ₹1,67,050 | ₹1,85,900 | ₹1,95,000 | ₹2,49,145 |
| ₹70,000 | ₹1,34,400 | ₹1,59,600 | ₹1,79,900 | ₹2,00,200 | ₹2,10,000 | ₹2,68,310 |
| ₹75,000 | ₹1,44,000 | ₹1,71,000 | ₹1,92,750 | ₹2,14,500 | ₹2,25,000 | ₹2,87,475 |
| ₹80,000 | ₹1,53,600 | ₹1,82,400 | ₹2,05,600 | ₹2,28,800 | ₹2,40,000 | ₹3,06,640 |
| ₹90,000 | ₹1,72,800 | ₹2,05,200 | ₹2,31,300 | ₹2,57,400 | ₹2,70,000 | ₹3,44,970 |
| ₹1,00,000 | ₹1,92,000 | ₹2,28,000 | ₹2,57,000 | ₹2,86,000 | ₹3,00,000 | ₹3,83,300 |
| ₹1,10,000 | ₹2,11,200 | ₹2,50,800 | ₹2,82,700 | ₹3,14,600 | ₹3,30,000 | ₹4,21,630 |
| ₹1,25,000 | ₹2,40,000 | ₹2,85,000 | ₹3,21,250 | ₹3,57,500 | ₹3,75,000 | ₹4,79,125 |
Values = 7th CPC basic pension × fitment factor, rounded up to the next rupee. Additional pension for age and Dearness Relief are not included. ₹1,25,000 is the current maximum pension (50% of the highest pay of ₹2,50,000).
How to read this chart
Each row starts with a 7th CPC basic pension — the figure on your PPO before Dearness Relief and before any commutation deduction. Each column applies one fitment factor. The cell where they meet is the estimated new basic pension. For example, a pensioner on ₹30,000 would get ₹77,100 at 2.57, ₹85,800 at 2.86 and ₹1,14,990 at 3.833.
If your pension falls between two rows, use the calculator for an exact figure, or multiply your basic pension by the factor yourself and round up to the next rupee.
Why the jump looks bigger than it is
The chart shows basic pension only. Today you also receive Dearness Relief at 60% of basic pension (since 1 January 2026). When the new pension starts, DR is expected to restart from zero, as it did after the 6th and 7th pay commissions. So compare the new basic pension with your current basic pension × 1.6, not with your basic pension alone:
| Basic pension | Total today (with 60% DR) | New basic at 2.57 | Real monthly gain |
|---|---|---|---|
| ₹9,000 | ₹14,400 | ₹23,130 | ₹8,730 |
| ₹20,000 | ₹32,000 | ₹51,400 | ₹19,400 |
| ₹50,000 | ₹80,000 | ₹1,28,500 | ₹48,500 |
| ₹1,00,000 | ₹1,60,000 | ₹2,57,000 | ₹97,000 |
Pensioners aged 80 and above
If you get additional pension for age, it is calculated as a percentage of the basic pension, so it rises in the same proportion. At 80–84 years, add 20% to the figure in the chart; at 85–89, 30%; at 90–94, 40%; at 95–99, 50%; and at 100 or more, 100%. For instance, an 86-year-old on ₹20,000 basic would have an estimated new basic of ₹51,400 at 2.57 plus 30% additional pension (₹15,420), a total of ₹66,820 before DR.
Family pensioners
The same chart works for family pension: find your basic family pension in the left column. The current maximum is ₹75,000 at the normal rate and ₹1,25,000 at the enhanced rate. The family pension calculator also works out the amount from the employee's last pay.
About the fitment factors in the columns
None of the six factors is official. 2.57 is what the 7th CPC used in 2016. 3.833 is the factor demanded by the staff side of the National Council (JCM) and pensioner associations, based on their proposed minimum pay of ₹69,000. 1.92, 2.28, 2.86 and 3.0 are estimates that have circulated in the media. The final factor — and whether a single factor will apply to everyone — will be known only after the Commission reports (expected around May 2027) and the Government accepts the recommendations. See the fitment factor calculator for details.
When an official factor is announced, this chart will show it as an extra column automatically.
How to use the chart in three steps
- Find your 7th CPC basic pension (PPO or pension slip) in the first column, or the row just below it.
- Read across to the factor you want to test. 2.57 shows a repeat of the 7th CPC; 3.833 shows the staff-side demand.
- Add the additional pension for your age if you are 80 or older, then compare with your total today (basic × 1.6).
Common mistakes when reading pension charts
- Reading the bank credit row. Look up basic pension, not the credited amount.
- Adding today's DR on top. DR is expected to restart from zero on the revised pension.
- Using charts that show a "confirmed" factor. None has been announced; this chart labels every column as an estimate.
- Ignoring the commutation deduction. The rupee deduction continues until restoration — see the commutation calculator.
See also: minimum pension under the 8th CPC.
Pension by amount
Want the full picture for one figure? See the 8th CPC pension by amount pages — ₹9,000 to ₹1,00,000, each with DR, arrears, commutation and family pension worked out.