UPS Pension Calculator 2025: Are you an employee in the Uttar Pradesh government nearing retirement? If your last drawn basic salary is ₹1,02,000 and you have 27 years and more of qualifying service, you might be wondering-how much you would actually receive in monthly pension. Well, here goes a detailed calculation on how pension is calculated under the old pension scheme.
Pension Formula
The existing government of Uttar Pradesh keeps the old pension scheme (OPS) intact for most of the employees in which calculation of monthly pensions is done on the basis of 50% of the last drawn emoluments (mainly basic pay and DA) after considering some conditions. For full pension benefits, the qualifying service for an employee in general is 20 years. Since in this case it is 27 years, the employee is entitled to maximum allowable percentage of pension as per normal rule.
Illustration Based On Last Basic Pay Of ₹1,02,000
Let us assume that at the time of retirement, the dearness allowance works to 50% of the salary, and the last basic pay of the retiring employee is ₹1,02,000. Therefore, for the purpose of pension, aggregate emolument will be taken as ₹1,02,000 plus ₹51,000 is equal to ₹1,53,000.
Now the pension shall be calculated as Pension=50% of Last Emoluments=50% of ₹1,53,000=₹76,500 per month.
So approximately ₹76,500 would make the monthly pension in this case, except for deductions or special cases that affect the pension amount.
Additional Benefits After Retirement
In addition to the pension, the retired employee is entitled to gratuity, commutation of pension (if opted), and leave encashment. Commutation rules now allow a portion of the pension to be taken as a lump sum with the remaining amount disbursed monthly. Also, pensioners will be receiving revised DA every six months, reviewed and increased by the government based on inflation.
Why This Matters To Employees
Pension is one of the most important financial safety nets for government employees after all those years of service. Understanding your likely pension beforehand facilitates the planning of your retirement. Rising living costs guarantee that the assured amount of pension will bring peace of mind and provide financial security in his/her old age.
Also Read: EPS Pension Boost: Government Raises Pension From Rs 1000 To Rs 7500—Happy Days For Retirees