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