Commutation of Pension Calculator for UGC Teachers
You can commute up to 40% of basic pension for a lump sum of that amount × 12 × the factor for your age next birthday (7.591 at 66, 8.194 at 61).
Important: Government rules, allowances and rates change from time to time. Before taking a final decision or making a claim, confirm the figures with the latest official order, notification or rules of the department concerned.
📄 Rules & sources ⚠️ 2 not yet verified
📄 Rule basis
- CCS (Commutation of Pension) Rules 1981 — persmin.gov.in
- Commutation table (LIC 94-96, 8%), effective 2006 — Schedule B, G.S.R. 647(E), DoPT (20.09.2013) — documents.doptcirculars.nic.in
🔎 Source
⚠️ Not yet verified from an official order — confirm with your university before relying on it
- Dearness Relief (DR) on pension: not filled in — Central Government pensioners get 60% from 01.01.2026 (DoPPW OM 42/02/2024-P&PW(D)/E-9475, 24.04.2026). No official order saved yet that applies it to university pensioners — enter the rate your university pays. · Check here: Department of Pension & Pensioners' Welfare
- Commutation of pension — 40%, Schedule table, restoration after 15 years: 40% — Central Government rules; applied to university pensioners through the university's pension rules — not yet confirmed from a Ministry of Education order. (order reference: CCS (Commutation of Pension) Rules 1981) · Check here: Pensioners' Portal (DoPPW)
How it works
You enter: Basic pension, Percentage to commute, Date of birth, Date commutation becomes absolute, DR rate. The result updates as you type. It also uses Dearness Relief (DR) on pension; Commutation of pension — 40%, Schedule table, restoration after 15 years — not yet confirmed from an official order for university teachers (⚠️), so check these with your university.
Frequently asked questions
How much can I get by commuting pension?Up to 40% of basic pension × 12 × the factor for your age next birthday; at 66 the factor is 7.591. It is restored after 15 years.
How is pension calculated?50% of last basic pay or the 10-month average, whichever is higher, after 10 years of service; minimum ₹9,000.
Are these figures official?They follow the orders listed under Rules & sources on this page. Values marked ⚠️ are not yet confirmed from an official order. For a final figure, rely on your finance office and the order itself.