đŸĻ UPS/NPS Retirement Benefits Calculator

Compare Old Pension Scheme (OPS/UPS) vs New Pension System (NPS) with Corpus Projections

📝 Personal & Employment Details

Date of Birth Your date of birth for retirement calculation
Date of Joining Date of joining government service
Current Basic Pay (₹) Your current basic salary

📊 Investment & Return Parameters

Equity Return (%)
Corp Bond Return (%)
Govt Securities (%)
Investment Option
Existing Corpus (₹) Any existing NPS corpus
Annuity Rate (%)
Pension Commutation (%) Max 50% can be commuted
 

⚙ī¸ Advanced Settings (Fitment Factors)

Fitment Factor 2026 (Jan 2026) Expected fitment multiplication factor for Jan 2026
Subsequent Fitment Factor (Every 10 Years) Fitment factor for 2036, 2046, etc.

📅 Dearness Allowance (DA) Projection Blocks

StartPeriodEndPeriodDApct
Oct 2026Mar 20270
Apr 2027Sep 20273
Oct 2027Mar 20286
Apr 2028Sep 20289
Oct 2028Mar 202912
Apr 2029Sep 202915
Oct 2029Mar 203018
Apr 2030Sep 203021
Oct 2030Mar 203124
Apr 2031Sep 203127
Oct 2031Mar 203230
Apr 2032Sep 203233
Oct 2032Mar 203336
Apr 2033Sep 203339
Oct 2033Mar 203442
Apr 2034Sep 203445
Oct 2034Mar 203548
Apr 2035Sep 203551
Oct 2035Mar 203654
Apr 2036Sep 203657
Oct 2036Mar 203760
Apr 2037Sep 203763
Oct 2037Mar 203866
Apr 2038Sep 203869
Oct 2038Mar 203972
Apr 2039Sep 203975
Oct 2039Mar 204078
Apr 2040Sep 204081
Oct 2040Mar 204184
Apr 2041Sep 204187
Oct 2041Mar 204290
Apr 2042Sep 204293
Oct 2042Mar 204396
Apr 2043Sep 204399
Oct 2043Mar 2044102
Apr 2044Sep 2044105
Oct 2044Mar 2045108
Apr 2045Sep 2045111
Oct 2045Mar 2046114
Apr 2046Sep 2046117
Oct 2046Mar 2047120
Apr 2047Sep 2047123
Oct 2047Mar 2048126
Apr 2048Sep 2048129
Oct 2048Mar 2049132
Apr 2049Sep 2049135
Oct 2049Mar 2050138
Apr 2050Sep 2050141
Oct 2050Mar 2051144
Apr 2051Sep 2051147
Oct 2051Mar 2052150
Apr 2052Sep 2052153
Oct 2052Mar 2053156
Apr 2053Sep 2053159
Oct 2053Mar 2054162
Apr 2054Sep 2054165
Oct 2054Mar 2055168
Apr 2055Sep 2055171
Oct 2055Mar 2056174
Apr 2056Sep 2056177
Oct 2056Mar 2057180

💰 Comprehensive Comparison Summary

📊 NPS Projection (14% Government Contribution)

📉 UPS Corpus Projection (10% Government Contribution)

ℹī¸ Important Notes

📌 About NPS (14% Government Contribution)
  • Employee contributes 10% of Basic + DA
  • Government contributes 14% of Basic + DA
  • Corpus is market-linked (E/C/G allocation)
  • 60% withdrawal + 40% annuity at retirement
📌 About UPS Corpus (10% Government Contribution)
  • Employee contributes 10% of Basic + DA
  • Government contributes 10% of Basic + DA
  • Shows corpus if UPS employee opted for NPS-style investment
  • Helps compare defined benefit vs contribution-based systems
📌 About OPS/UPS (Old/Unified Pension Scheme)
  • 50% of final emoluments (Basic + DA) as monthly pension
  • Gratuity up to ₹20 lakhs based on service duration
  • Pension commutation available (up to 50%)
  • Defined benefit scheme - guaranteed pension amount