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
Nov 2025Dec 202559
Jan 2026Jun 20260
Jul 2026Dec 20263
Jan 2027Jun 20276
Jul 2027Dec 20279
Jan 2028Jun 202812
Jul 2028Dec 202815
Jan 2029Jun 202918
Jul 2029Dec 202921
Jan 2030Jun 203024
Jul 2030Dec 203027
Jan 2031Jun 203130
Jul 2031Dec 203133
Jan 2032Jun 203236
Jul 2032Dec 203239
Jan 2033Jun 203342
Jul 2033Dec 203345
Jan 2034Jun 203448
Jul 2034Dec 203451
Jan 2035Jun 203554
Jul 2035Dec 203557
Jan 2036Jun 20360
Jul 2036Dec 20363
Jan 2037Jun 20376
Jul 2037Dec 20379
Jan 2038Jun 203812
Jul 2038Dec 203815
Jan 2039Jun 203918
Jul 2039Dec 203921
Jan 2040Jun 204024
Jul 2040Dec 204027
Jan 2041Jun 204130
Jul 2041Dec 204133
Jan 2042Jun 204236
Jul 2042Dec 204239
Jan 2043Jun 204342
Jul 2043Dec 204345
Jan 2044Jun 204448
Jul 2044Dec 204451
Jan 2045Jun 204554
Jul 2045Dec 204557
Jan 2046Jun 20460
Jul 2046Dec 20463
Jan 2047Jun 20476
Jul 2047Dec 20479
Jan 2048Jun 204812
Jul 2048Dec 204815
Jan 2049Jun 204918
Jul 2049Dec 204921
Jan 2050Jun 205024
Jul 2050Dec 205027
Jan 2051Jun 205130
Jul 2051Dec 205133
Jan 2052Jun 205236
Jul 2052Dec 205239
Jan 2053Jun 205342
Jul 2053Dec 205345
Jan 2054Jun 205448
Jul 2054Dec 205451
Jan 2055Jun 205554
Jul 2055Dec 205557

💰 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