CCS Pension Rules · Up to 40%

Commuted Pension Calculator

Convert up to 40% of your monthly pension into a tax-free lump sum at retirement. The commuted portion is restored after 15 years.

Inputs

Basic monthly pension (₹)

Commutation %40%

Maximum allowed: 40% of basic pension.

Age at next birthday60 yrs

Used to look up the official commutation factor.

Result

Commuted monthly amount₹20,000

Commutation factor (age 60)9.124

Formula₹20,000 × 12 × 9.124

Tax-free lump sum

₹21,89,760

Exempt under §10(10A)(i) for govt employees.

Reduced monthly pension (next 15 years)

₹30,000 + DR on full pension

Restored to ₹50,000 after 15 years.

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