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