Where do I find my Commutation Factor?

From the official Commutation Table (Second Schedule to the CCS (Commutation of Pension) Rules, 1981), looked up by your Age Next Birthday. This calculator does not embed that table in Version 1 — see Assumptions for why.

What's the maximum percentage of pension I can commute?

This calculator doesn't enforce one — the actual ceiling varies by category and service and could not be confirmed uniformly. Check the rules applicable to you before committing to a percentage.

Does my pension go back to full after some years?

Commuted pension is typically restored after a fixed period (commonly 15 years) under the applicable rules, but Version 1 does not model that restoration — Reduced Monthly Pension here is the immediate post-commutation figure only.

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Pension Commutation Calculator

Calculate your lump sum commuted value and reduced monthly pension.

Last updated 29/07/2026

Basic Pension

Enter your Basic Pension directly, or leave blank and derive it from Basic Pay below.

Basic Pay (optional)

Used only if Basic Pension above is left blank — required in that case, unless you select a Pay Level and Cell Number below.

Pay Level (optional)

Select a Pay Level and Cell Number to resolve Basic Pay from the 7th CPC Pay Matrix instead. Used only if Basic Pension above is left blank.

Cell Number (optional)

Pension Percentage

Used only if Basic Pension is derived from Basic Pay — the percentage of Basic Pay treated as pension. 50% is the standard full-pension rate for 20+ years of qualifying service (see the Retirement Pension Calculator).

Age Next Birthday

Used to look up your Commutation Factor from the official table — captured for reference; enter the matching factor below.

Commutation Percentage

The percentage of your Basic Pension you're commuting. Version 1 does not enforce an official maximum — it varies by category/service; see Assumptions.

Commutation Factor

Enter the factor for your Age Next Birthday from the official Commutation Table (Second Schedule, CCS (Commutation of Pension) Rules, 1981) — not looked up automatically in Version 1; see Assumptions.

Enter your last basic pay, or select a Pay Level and Cell Number instead. (or enter Basic Pension directly above.)

Stored only in this browser — never uploaded, no account required.

Manage My Service Details

Enter valid inputs to see your result.

How this works

What it means

The lump sum you'd receive for commuting part of your monthly pension, and what your reduced monthly pension would be afterwards.

How it’s calculated

The portion of your Basic Pension you choose to commute is multiplied by your Commutation Factor (from the official table, for your Age Next Birthday) and by 12 to give the lump sum. Your monthly pension is then reduced by the commuted portion.

Common Defence use cases

Estimating the lump sum from commuting a given percentage of pension, comparing outcomes at different commutation percentages, and checking the resulting reduced monthly pension before deciding how much to commute.

Formula

Commuted Portion = Basic Pension × Commutation % ÷ 100
Lump Sum Commuted Value = Commuted Portion × Commutation Factor × 12
Reduced Monthly Pension = Basic Pension − Commuted Portion

Assumptions

This is a simplified, illustrative estimate only — not an official calculation. Always verify the exact amount with your Pension Disbursing Authority or PCDA(P)/PCDA(O) before making financial decisions.
The Commutation Factor table (Second Schedule to the CCS (Commutation of Pension) Rules, 1981, varying by Age Next Birthday) is NOT embedded in Version 1 — it could not be independently verified with confidence across every age, and an incorrect hard-coded factor risks a materially wrong lump-sum figure. Enter the factor applicable to your Age Next Birthday from the official table yourself.
Age Next Birthday is captured for reference alongside your entered Commutation Factor, but this calculator does not look up or validate that the factor you entered actually matches that age — cross-check against the official table.
Does not enforce an official maximum commutable percentage — this varies by category and service and could not be confirmed uniformly, so any percentage from 0–100% is accepted. Check your applicable ceiling before relying on the figure.
Does not model restoration of the commuted portion of pension after the applicable period (commonly 15 years) — Reduced Monthly Pension shown here is the rate immediately after commutation, not a future post-restoration figure.
Basic Pension can be entered directly, or derived from Basic Pay (manual or resolved from the 7th CPC Pay Matrix) × Pension Percentage — see the Retirement Pension Calculator's own assumptions for what a percentage-of-Basic-Pay pension figure does and doesn't include.

Example calculations

Basic Pension ₹28,050 (entered directly), Age Next Birthday 61, commuting 40%, factor 8.194 (as entered)

Commuted portion ₹11,220 — lump sum ≈ ₹11,03,240 — reduced monthly pension ₹16,830

Basic Pay ₹39,900 (Level 6, Cell 5), Pension % 50 → Basic Pension ₹19,950, Age 60, commuting 40%, factor 8.0 (as entered)

Commuted portion ₹7,980 — lump sum ₹7,66,080 — reduced monthly pension ₹11,970

Basic Pay ₹35,400 (entered manually), Pension % 50 → Basic Pension ₹17,700, Age 62, commuting 40%, factor 8.0 (as entered)

Commuted portion ₹7,080 — lump sum ₹6,79,680 — reduced monthly pension ₹10,620

Frequently asked questions

No. This is a simplified Version 1 estimate for planning purposes only. Always confirm the exact amount with your Pension Disbursing Authority or PCDA(P)/PCDA(O).

Pension Commutation Calculator

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