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