Disclaimer: Ye calculator sirf andaza (estimate) deta hai aur federal civil pensioners ke basic rules par based hai. Ad-hoc pension increases, orderly allowance, ya department-specific rules is mein shamil nahi. Exact figures ke liye AGPR / apne accounts office se rabta karein.
Government Pension Kaise Calculate Hoti Hai? (2025–26 Rules)
Federal government employees ki pension is formula se nikalti hai:
Gross Pension = (Average Basic Pay × Service Years × 7) ÷ 300
Yahan average basic pay ka matlab hai retirement se pehle aakhri 24 months ki average pensionable emoluments (Finance Division ke 2025 pension reforms ke mutabiq — pehle sirf last drawn basic pay use hoti thi). Qualifying service maximum 30 saal tak count hoti hai; 6 months ya us se zyada ka fraction pura saal shumar hota hai.
Commutation Kya Hai?
Retirement par aap apni gross pension ka zyada se zyada 35% hissa commute karwa sakte hain — yani us hisse ke badle aik hi dafa lump sum raqam le sakte hain. Lump sum ka formula:
Commuted Amount = (Gross Pension × 35%) × 12 × Commutation Factor
60 saal ki umar par retirement (superannuation) ke liye commutation factor 12.3719 hota hai. Commutation ke baad aapko monthly 65% net pension milti hai. Agar aap commutation na lein to poori 100% gross pension monthly milti hai.
Medical Allowance
Pensioners ko medical allowance bhi milta hai: BPS 1–15 ke liye 25% aur BPS 16–22 ke liye 20%. Ye net pension ke sath monthly add hota hai.
Example
Misal: average basic pay Rs. 95,000, service 30 saal, BPS-17, 35% commutation:
Gross Pension = (95,000 × 30 × 7) ÷ 300 = Rs. 66,500
Commuted lump sum = 66,500 × 35% × 12 × 12.3719 = Rs. 3,455,472 (approx.)
Net monthly pension = 66,500 × 65% = Rs. 43,225
Medical allowance (20%) = Rs. 13,300 → Total monthly = Rs. 56,525 (approx.)
FAQs
Pension ke liye minimum kitni service chahiye?
Retiring pension ke liye aam taur par 25 saal qualifying service chahiye (voluntary retirement), jabke superannuation 60 saal ki umar par hoti hai. 10 saal se kam service par pension ke bajaye gratuity milti hai.
Kya 2024–25 ke pension reforms se purane pensioners par farq para?
2025 ke reforms mein pension ka hisaab aakhri 24 months ki average pay par shift hua aur multiple pensions par pabandiyan lagi hain. Naye bharti hone wale federal employees (July 2024 ke baad) contributory pension scheme mein aate hain. Maujooda pensioners ki pension par ye formula-change apply nahi hota.
Commutation wapas restore hoti hai?
Ji haan — commuted hissa aam taur par commutation period (jitne saal ka factor tha) mukammal hone par restore ho jata hai aur poori gross pension milne lagti hai.
Kya ye calculator provincial employees ke liye bhi hai?
Formula (7/300) Punjab, Sindh, KPK aur Balochistan mein bhi taqreeban same hai, lekin allowances aur reforms har province mein mukhtalif ho sakte hain. Provincial employees apne accounts office se confirm karein.