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
Mar 2026Aug 20260
Sep 2026Feb 20273
Mar 2027Aug 20276
Sep 2027Feb 20289
Mar 2028Aug 202812
Sep 2028Feb 202915
Mar 2029Aug 202918
Sep 2029Feb 203021
Mar 2030Aug 203024
Sep 2030Feb 203127
Mar 2031Aug 203130
Sep 2031Feb 203233
Mar 2032Aug 203236
Sep 2032Feb 203339
Mar 2033Aug 203342
Sep 2033Feb 203445
Mar 2034Aug 203448
Sep 2034Feb 203551
Mar 2035Aug 203554
Sep 2035Feb 203657
Mar 2036Aug 203660
Sep 2036Feb 203763
Mar 2037Aug 203766
Sep 2037Feb 203869
Mar 2038Aug 203872
Sep 2038Feb 203975
Mar 2039Aug 203978
Sep 2039Feb 204081
Mar 2040Aug 204084
Sep 2040Feb 204187
Mar 2041Aug 204190
Sep 2041Feb 204293
Mar 2042Aug 204296
Sep 2042Feb 204399
Mar 2043Aug 2043102
Sep 2043Feb 2044105
Mar 2044Aug 2044108
Sep 2044Feb 2045111
Mar 2045Aug 2045114
Sep 2045Feb 2046117
Mar 2046Aug 2046120
Sep 2046Feb 2047123
Mar 2047Aug 2047126
Sep 2047Feb 2048129
Mar 2048Aug 2048132
Sep 2048Feb 2049135
Mar 2049Aug 2049138
Sep 2049Feb 2050141
Mar 2050Aug 2050144
Sep 2050Feb 2051147
Mar 2051Aug 2051150
Sep 2051Feb 2052153
Mar 2052Aug 2052156
Sep 2052Feb 2053159
Mar 2053Aug 2053162
Sep 2053Feb 2054165
Mar 2054Aug 2054168
Sep 2054Feb 2055171
Mar 2055Aug 2055174
Sep 2055Feb 2056177
Mar 2056Aug 2056180

💰 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