CCS (Pension) Rules (Updated Till October 2021)

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Pension Rules
(updated upto September 2021)
1. Introduction : As a model employer, the Government of India looks after the welfare
of its functionaries not only during service but also after retirement. The interests of
the families of Govt. servants who die during service or after retirement are also looked
after. All this is achieved by invoking the provisions of the Central Civil Services
(Pension) Rules, 1972, as amended from time to time.
2. The Normal Retirement Benefits
i. Pension: Pension is a stated allowance or stipend granted in consideration of

past service with the implied condition of continued good conduct. A recurring
monthly payment for life determined on the basis of pay drawn at the time of
retirement and subject to a minimum qualifying service of 10 years (earlier 33
years).
ii. Retirement Gratuity: A lump sum amount, not exceeding Rs.20 lakhs w.e.f.1-
1-2016(In 6th CPC it was Rs.10 lakhs), which is to be increased by 25%,
whenever the dearness allowance increases by 50% determined on the basis
of length of service and last pay drawn or average emoluments, whichever is
higher. This is admissible to all employees who retire after completion of 5
years of qualifying service.
iii. Service Gratuity: Amount payable in lieu of pension in case net qualifying
service is less than 10 years. Service Gratuity is in addition to Retirement
Gratuity.
iv. Commutation of Pension: A lump sum payment in lieu of portion of pension,

not exceeding 40% of the basic pension, surrendered by the pensioner.
v. Encashment of Earned Leave: Cash equivalent of leave salary admissible for

the EL/HPL available in the leave account of the pensioner subject to a
maximum of 300 days.
vi. Group Insurance Scheme (CGEGIS): Accumulations in the Savings Fund

under Central Government Employees’ Group Insurance Scheme, 1980.
vii. General Provident Fund: Accumulations in the fund inclusive of interest

thereon.
viii. Contributory Provident Fund: The Contributory Provident Fund Rules
(India), 1962 are applicable to every non-pensionable servant of the
Government belonging to any of the services under the control of the President.
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A subscriber, at the time of joining the Fund is required to make a nomination

in the prescribed Form conferring on one or more persons the right to receive
the amount that may stand to his credit in the Fund in the event of his death,
before that amount has become payable or having become payable has not
been paid. A subscriber shall subscribe monthly to the Fund when on duty or
Foreign Service but not during the period of suspension. Rates of subscription
shall not be less than 10% of the emoluments and not more than his
emoluments. The employer's contribution at that percentage prescribed by the
Government will be credited to the subscriber's account and this is 10%. The
Rules provide for drawal of advances/ withdrawals from the CPF for specific
purposes. As in GPF Rules, the CPF Rules also provide for Deposit Linked
Insurance Scheme.
ix. Travelling Allowance: At par as admissible on transfer, to the intended place

of residence.
x. Medical Facility available after retirement: Benefits covered under CGHS is

admissible to the pensioners/family pensioners. Those who are not residing in
areas covered by CGHS are entitled to medical allowance of Rs. 1000/- per
month.
3. Benefits admissible to family on Death of GS
i. Death Gratuity: A lump sum amount, not exceeding Rs.20 lakhs w.e.f.1-1-
2016(In 6th CPC it was Rs.10 lakhs), which is to be increased by 25%, whenever
the dearness allowance increases by 50% determined on the basis of length of
service and last pay drawn or average emoluments, whichever is higher.
ii. Family Pension/Enhanced Family Pension
iii. Amount of Insurance plus accumulations in Savings Fund under CGEGIS along
with interest thereon.
iv. TA to family to intended place of residence.
v. Benefits under Deposit Linked Insurance Scheme available in GPF Rules.
vi. Ex-gratia lumpsum compensation: Amount ranging from Rs. 25 lakh to Rs.
45 lakh available to the families of Central Government civilian employees.
4. Commercial employment after retirement

A Group A Officer may not accept any commercial employment without the sanction
of Government, within one year from his retirement. If such an officer takes up such
employment without the requisite permission, it shall be competent for the Government
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to declare that he shall not be entitled to the whole or such part of the pension and for
such period as may be specified by the Government after giving the pensioner an
opportunity of showing cause against such declaration. (DoPT notification dt.
23.11.2006)
If a Group A Officer is granted permission to take up commercial employment

during leave preparatory to retirement, no further permission is necessary for
continuing the employment after retirement.
Commercial employment means an employment in any capacity including that

of an agent, under a company, co-operative society, firm or individual engaged in
trading, commercial, industrial, financial or professional business and includes also a
directorship of such company and partnership of such firm, but does not include
employment under a body corporate, wholly or substantially owned or controlled by
the Central Government or a State Government.
5. Applicability of CCS (Pension) Rules, 1972

These rules apply to all Central Govt. servants joining service on or before
31.12.2003, including civilians paid from Defence Services Estimates, appointed
substantively to civil services and posts which are borne on pensionable
establishments. These rules, however, do not apply to the staff paid from
contingencies or on daily wages, and persons employed on contracts, etc.
6. Eligibility for Pension

A Govt. servant is entitled to get pension benefits if he is confirmed before
retirement. As per rule, a temporary employee who has completed 10 years of
qualifying service before retirement on superannuation/invalidation is entitled to
pension admissible to him if he retires voluntarily under Rule 48-A of CCS (Pension)
Rules, 1972. However, since the confirmation has been delinked from the availability
of the permanent vacancy in the grade, an officer who has successfully completed the
probation is considered for confirmation. It may thus be seen that since all the persons
who completed probation in the first appointment will be declared as permanent, the
present distinction between permanent and temporary employees for grant of pension
and other pensionary benefits will cease to exist.
Families of temporary employees who die in harness are also allowed the same
death benefits as admissible to families of permanent employees under these rules.
In a nutshell as on date for a Govt. Servant to be eligible for pensionary benefits as a
matter of right, three conditions must be fulfilled :-
(i) The Govt. Servant must be confirmed in any post,

(ii) The Govt. Servant must have retired or deemed to have been retired ,
(iii) The Govt. Servant must have entered service on or before 31-12-2003
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(iv) Those Central GSs whose selection for appointment was finalized before
1.1.2004 but who joined Govt. service on or after 1.1.2004 are also covered
under CCS(Pension) Rules, 1972 (DoPPW OM dt. 17.2.2020)
7. Principles/conditions underlying pension
i. Service should be under the Government.

ii. There should be a minimum qualifying service.
iii. He should be holding a substantive post.
iv. Pension has been declared as property within the meaning of right to
property in Article 31 and consequently writ of mandamus (we command
and order) can be issued.
v. Pension is secure against attachment or seizure in compliance of any
decree of the court.
vi. No recovery can be made from the pension without the express consent of
the pensioner.
vii. Pension can’t be forfeited except for grave misconduct.
viii. Pension is a protected possession and protected right of the Government
Servant and is sacrosanct.
ix. No distinction between permanent and temporary employees in the
application of Pension Rules
x. Retirement claim should be regulated on the basis of rules enforced at the
time of retirement.(Rule 5)
xi. A Government Servant is not eligible for more than one Pension on the
strength of same qualifying service. (Rule 7)
xii. If a Government Servant is re-employed after retirement, he is not entitled
for separate pension for the re-employed service. (Rule 7)
xiii. Retirement is effective from the afternoon of the last day of the month in
which age of superannuation is attained. The date of retirement is treated
as a working day in all cases of retirement. Date of death is treated as
working day, so also the date of resignation. Under Superannuation
Pension, the Government Servant retires on the last day of the month of his
retirement after completion of 60 (sixty) years of age. Irrespective of the
fact that the last day is holiday, Saturday or Sunday, the Government
Servant is deemed to have been retired unless the orders to the contrary
are issued. While the last day of the month is the date of retirement for all
cases of Superannuation Pension, on the basis of date of birth, if the date
of birth is the first of the month, he will retire on the last day of the preceding
month. (Rule 5)
xiv. Relinquishment of charge: The GS retiring on superannuation should
formally relinquish charge of office on the AN of that day itself even if it
happens to be closed holiday. The cash, stores etc. may be made over by
the retiring officer on the close of the previous working day. The actual
relinquishment of charge of office shall be made in the prescribed form on
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the last day of service for which the physical presence of the officer in the
office need not be insisted.
xv. Continued good conduct is an implied condition for the grant of pension,
therefore, if a pensioner is convicted of a serious crime and found guilty of
serious misconduct either the departmental or judicial proceedings, the
whole or part of pension can be withheld or withdrawn either permanently
or for specified period by an order of Appointing Authority subject to
following conditions: (Rule 8)
a. If a portion of pension is withdrawn or withheld, the balance pension
should not be less than the minimum pension authorised namely Rs.
9000/- per month.
b. If a pensioner is convicted of a serious crime (involving offence under
Official Secrets Act, 1923) by the court or found guilty of grave
misconduct (disclosure of any secret information mentioned in OSA
1923, which was obtained while holding Govt. office). Such
withdrawal or withholding can be ordered straight away on the basis
of judgement of the court in other cases, orders can be issued only
after the accused retiree is given an opportunity of making
representation against the proposal.
c. UPSC should be consulted wherever necessary.
8. Classes of Pension
i. Superannuation Pension
This is granted to a govt. servant who is retired on his attaining the age of
superannuation i.e. 60 years in the case of all categories of employees. A govt.
servant retires on the afternoon of the last day of the month in which he attains the
age of 60. In case his date of birth falls on the 1st of the month, then he will retire on
the last date of the previous month in which he attains the prescribed age (Rule 35).
Pension is calculated at 50% of the average emoluments or last

emolument whichever is beneficial irrespective of the length of service provided
the service becomes pensionable (minimum 10 years of qualifying service). The
amount of pension finally calculated is expressed in whole rupees by rounding the
fraction to the next higher rupee. Basic pension is subject to a minimum of Rs. 9000/-
p.m. and maximum of 50% of Maximum Basic Pay, i.e. Rs.1,25,000 p.m. whereas,
in 6th CPC the Minimum Pension was Rs.3500/- and maximum of Rs.45,000/- per
month. For instance, if a Govt. servant retires with Rs.60000/- as the higher of the
last emolument and average emolument, pension payable will be calculated as under:-
60000 X 50
Pension = ---------------- = Rs. 30,000/- per month +DR
100
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ii. Retiring Pension (Rule 36(a)

It is available to a Govt. servant who retires or is retired in advance of the age
of superannuation. Date of retirement is usually on the expiry of notice period which
need not necessarily synchronize with the last date of the month. Rule 48 and FR 56
contemplate situations for voluntary retirement as well as for pre-mature retirement,
where Govt. can retire its personnel on completion of the age of 50/55 years or on
completing 30 years of service.
(a) Voluntary Retirement: (Right to retire by GS) A Government Servant may retire
voluntarily by giving three months’ notice to the Appointing Authority
1. at any time after completion of thirty (30) years of qualifying service – all
employees (Rule 48)
2. On completion of twenty (20) years of qualifying service [Rule 48 (a)]
3. after attaining 50 years of age – Group A & B officers who had entered
service before attaining the age of 35 years
4. after attaining 55 years of age - Group “A & B’ who had entered service
after attaining the age of 35 years & all Group C employees [FR 56(k)]
Conditions:
1. Normally a notice once given cannot be withdrawn. However the Appointing
Authority may allow the request for withdrawal provided the request is made
within the intended date of retirement.
2. The Government Servant giving the notice exercises his right and as such
the Appointing Authority cannot withhold permission to retire except when
the Government Servant is placed under suspension.
3. Less than three months’ notice can also be allowed at the discretion of
Appointing Authority. However, commutation can be applied only after three
months of notice.
(b) Premature Retirement: (Right to retire a GS by Government) This is distinct
from Compulsory Retirement ordered as a penalty and Voluntary Retirement.
Appointing Authority has the absolute right to retire a Government Servant prematurely
by giving three months’ notice or salary in lieu thereof -
1. On completion of thirty (30) years of qualifying service – all employees
(Rule 48)
2. after attaining 50 years of age – Group A & B officers who had entered
service before attaining the age of 35 years
3. after attaining 55 years of age - Group “A & B’ who had entered service
after attaining the age of 35 years & all Group C employees [FR 56(j)]
4. GS in Group C not governed by any pension rules after completing 30
years of service - Government servant in Group C service or post who is
not governed by any pension rules, after he has completed thirty years'
service by giving him notice of not less than three months in writing or three
months' pay and allowances in lieu of such notice.
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Conditions
The notice of Premature Retirement can be withdrawn by the Government, if
the Government Servant agrees.
 GS suffering from any contagious disease or physical or mental disability) by
giving suitable notice. - referred to Medical Authorities for Medical
examination. [CCS Medical Examination Rules]
FR 56(j) & Rule 48 of CCS(Pension) Rules, 1972 (DoPT OM dt. 28.8.2020)
The objective of these two provisions is to strengthen the administrative machinery by
developing responsible and efficient administration at all levels and to achieve
efficiency, economy and speed in the disposal of Government functions. Premature
retirement under these rules is NOT a penalty.
FR 56(j) :- The Appropriate Authority shall, if it is of the opinion that it is in the public
interest so to do, have the absolute right to retire any Government servant by giving
him notice of not less than three months in writing or three months' pay and allowances
in lieu of such notice :-
(i) If he is, in Group 'A' or Group 'B' service or post in a substantive, quasi permanent
or temporary capacity and had entered Government service before attaining the age
of 35 years, after he has attained the age of 50 years;
(ii) In any other case after he has attained the age of 55 years.
FR 56(l) :- Notwithstanding anything contained in clause (j), the Appropriate Authority
shall, if it is of the opinion that it is in the public interest to do so, have the absolute
right to retire a Government servant in Group C service or post who is not governed
by any pension rules, after he has completed thirty years' service by giving him notice
of not less than three months in writing or three months' pay and allowances in lieu of
such notice.
Rule 48 (1) (b) of CCS (Pension) Rules, 1972 :- At any time after a Government
servant has completed thirty (30) years' qualifying service, he may be required by the
Appointing Authority to retire in the public interest and in the case of such retirement,
the Government servant shall be entitled to a retiring pension, provided that the
Appointing Authority may also give a notice in writing to a Government servant at least
three months before the date on which he is required to retire in the public interest or
three months' pay and allowances in lieu of such notice.
Time Schedule to be followed :- The time schedule given in the following table, shall
be followed for undertaking the exercise of review of performance of Government
servants :-
Quarter in which review is Cases of Government servants, in the quarter
to be made indicated below to be reviewed
January to March July to September of the same year

April to June October to December of the same year
July to September January to March of the next year
October to December April to June of the next year
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A register of the GSs, who are due to attain the age of 50/55 years or to complete 30
years of service, has to be maintained. The register should be scrutinized at the
beginning of every quarter by a senior officer in the Ministry/Department/Cadre and
the review be undertaken according to the above schedule so as to ensure timely
completion of the review for retention/pre-mature retirement of the GSs.
Non-adherence to the time-lines as indicated in table above due to certain
administrative exigencies shall not take away the powers of Appropriate Authority
to pre-maturely retire a Government servant under FR 56(j), 56(l) and Rule 48 of CCS
(Pension) Rules, 1972. Therefore, review of a Government servant for the purposes
of these Rules can be undertaken even after he has attained the age of 50/55 years
in cases covered by FR 56 (j) or after he has completed 30 years of qualifying service
under FR 56(l) / Rule 48 of CCS(Pension) Rules, 1972.
There is also no bar on the Government to review any such case again where it
was decided earlier to retain the officer, but the Appropriate/Appointing Authority is of
the opinion that it is expedient to undertake the review again on account of changed
circumstances, in public interest. In such cases, the Appropriate Authority is expected
to demonstrate visible meticulousness as such Government servants have been found
effective on earlier occasion for retention in service.
Review and Representation Committee
The concerned Secretary of the Cadre Controlling Authority (CCA) will constitute
Review Committees of two members at appropriate level as under :-
(i) In case of officers holding Group A posts :-
Review Committee shall be headed by the Secretary of the concerned CCA. Where
there are Boards viz CBDT, CBEC, Railway Board, Postal Board, Telecom
Commission etc, the Review Committee shall be headed by the Chairman of such
Board.
(ii) In case of Group B (Gazetted) officers :-
Additional Secretary/Joint Secretary level officer shall head the Review Committee.
(iii) In the case of Non-Gazetted employees :-
(a) An officer of the level of Joint Secretary will head the Committee. However, in case
the Appointing Authority is lower in rank than a Joint Secretary, then an officer of the
level of Director/Deputy Secretary will be the head.
(b) In the case of Non-Gazetted employees in other than centralised cadres, Head
of Department/Head of the Organisation shall decide the composition of the Review
Committee.
Chief Vigilance Officer, in case of Gazetted officers, or his representative in case of
non-Gazetted officers, will be associated in case of record reflecting adversely on the
integrity of any employee.
The composition of Representation Committee for all Government servants shall
consist of :-
(a) A Secretary to the Government of India to be nominated by the Cabinet Secretary;
(b) Additional Secretary/Joint Secretary in the Cabinet Secretariat; and
(c) One member nominated by the CCA.
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Constitution of Internal Committee to assist the Review Committee :- In addition to

the above, Secretary of the CCA is also empowered to constitute an Internal
Committee comprising of such officer(s) as deemed fit to assist the Review
Committee. These Committees will ensure that the service record of the Government
servants being reviewed, along with a summary, bringing out all relevant information,
is submitted to the Cadre Authorities at least three months prior to the due date of
review.
Broad Criteria to be followed by the Review Committee :- The broad criteria to be
followed by the Review Committee while making the recommendations are as follows:-
(i) Government servants whose integrity is doubtful, shall be retired.
(ii) Government servants found to be ineffective shall also be retired. The basic
consideration in identifying such Government servants should be their
fitness/competence to continue in the post held.
(iii) No Government servant should ordinarily be retired on ground of ineffectiveness,
if, in any event, he would be retiring on superannuation within a period of one year
from the date of consideration of his case. However, in a case where there is a sudden
and steep fall in the competence, efficiency or effectiveness of a Government servant,
it would be open to review such a case also for premature retirement. The said
instruction of not retiring the Government servant within one year on the ground of
ineffectiveness except in case of sudden and steep fall in his performance is relevant
only when he is proposed to be retired on the ground of ineffectiveness, but not on
the ground of doubtful integrity.
(iv) No Government servant should ordinarily be retired on ground of ineffectiveness,
if, his service during the preceding 5 years or where he has been promoted to a
higher post during that 5 year period, his service in the highest post, has been found
satisfactory. There is no such stipulation, however, where the Government servant is
to be retired on grounds of doubtful integrity. In case of those Government servants
who have been promoted during the last 5 years, the previous entries in the ACRs
may be taken into account if he was promoted on the basis of seniority cum fitness,
and not on the basis of merit.
(v) The entire service record of a Government servant should be considered at the
time of review. The expression 'service record' refers to all relevant records and
therefore, the review should not be confined to the consideration of the ACR/APAR
dossier. The personal file of the Government servant may contain valuable material.
Similarly, his work and performance could also be assessed by looking into files dealt
with by him or in any papers or reports prepared and submitted by him. It would be
useful if the Ministry / Department/Cadre puts together all the data available about the
Government servant and prepares a comprehensive brief for consideration by the
Review Committee. Even uncommunicated remarks in the ACRs/APARs may be
taken into consideration.
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Important judgements of Supreme Court

i. In the judgement in the case of UOI & Col. J.N.Sinha [1571 SCR (1) 791], the
Hon'ble Supreme Court had not only upheld the validity of FR 56(j), but also held that
no show-cause notice needs to be issued to any Government servant before a notice
of retirement is issued to him under the aforesaid provisions. The Apex Court held that
"Now coming to the express words of Fundamental Rule 56(j), it says that the
appropriate authority has the absolute right to retire a government servant if it is of the
opinion that it is in the public interest to do so. The right conferred on the appropriate
authority is an absolute one. That power can be exercised subject to the conditions
mentioned in the rule.' one of which is that the concerned authority must be of the
opinion that it is in public interest to do so. If that authority bona fide forms that opinion,
the correctness of that opinion cannot be challenged before courts. It is open to
an aggrieved party to contend that the requisite opinion has not been formed or the
decision is based on collateral grounds or that it is an arbitrary decision."
ii. In the case of State of Gujarat vs Umedbhai M. Patel, 2001 (3) SCC 314, Hon'ble
Court held that —"The law relating to compulsory retirement has now crystalized into
definite principles, which could be broadly summarized thus:
(I) Whenever the services of a public servant are no longer useful to the general
administration, the officer can be compulsorily retired for the sake of public interest.
(ii) Ordinarily, the order of compulsory retirement is not to be treated as a punishment
coming under Article 311 of the Constitution.
(iii) For better administration, it is necessary to chop off dead wood, but the order of
compulsory retirement can be passed after having due regard to the entire service
record of the officer.
(iv) Any adverse entries made in the confidential record shall be taken note of and be
given due weightage in passing such order.
(v) Even un-communicated entries in the confidential record can also be taken into
consideration.
(vi) The order of compulsory retirement shall not be passed as a short cut to avoid
Departmental enquiry when such course is more desirable.
(vii) If the officer was given a promotion despite adverse entries made in the
confidential record, that is a fact in favour of the officer.
(viii) Compulsory retirement shall not be imposed as a punitive measure.
iii. As far as integrity is concerned, the following observations of the Hon'ble Supreme
Court in the case of S Ramchandra Raju vs State of Orissa {(1 994) 3 SCC 424},
while upholding compulsory retirement in the case, may be kept in view:
"The officer would live by reputation built around him. In an appropriate case, there
may not be sufficient evidence to take punitive disciplinary action of removal from
service. But his conduct and reputation is such that his continuance in service would
be a menace to public service and injurious to public interest. The entire service record
or character rolls or confidential reports maintained would furnish the backdrop
material for consideration by the Government or the Review Committee or the
appropriate authority. On consideration of the totality of the facts and circumstances
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alone; the Government should form the opinion that the Government officer needs to
be compulsorily retired from service. Therefore, the entire record more particularly,
the latest, would form the foundation for the opinion and furnish the base to exercise
the power under the relevant rule to compulsorily retire a Government officer."
iv. While considering the aspect of integrity of an employee, all material on record,
including the actions or decisions taken by the employee which do not appear to be
above board, complaints received against him, or suspicious property
transactions, for which there may not be sufficient evidence to initiate
departmental proceedings, may also be taken into account. The judgement of the
Apex Court in the case of K. Kandaswamy vs Union Of India & Anr, 1996 AIR 277,
1995 SCC (6) 162 is relevant here. In this case, the apex court upheld the decision of
the Government and held that:- "The rights - constitutional or statutory - carry with
them corollary duty to maintain efficiency, integrity and dedication to public
service. Unfortunately, the latter is being overlooked and neglected and the former
unduly gets emphasised. The appropriate Government or the authority would,
therefore, need to consider the totality of the facts and circumstances appropriate
in each case and would form the opinion whether compulsory retirement of a
Government employee would be in the public interest. The opinion must be based on
the material on record; otherwise it would amount to arbitrary or colourable exercise
of power."
v. Reports of conduct unbecoming of a Government servant may also form basis
for compulsory retirement. As per the judgement of the Hon'ble Supreme Court in
State of U.P. and Others vs Vijay Kumar Jam, Appeal (civil) 2083 of 2002:
"If conduct of a government employee becomes unbecoming to the public interest or
obstructs the efficiency in public services, the government has an absolute right to
compulsorily retire such an employee in public interest."
Approval of Appropriate/Appointing Authority :- The recommendations of Review
Committee will be put up for consideration and approval of Appropriate/Appointing
Authority in those cases, where it has been recommended to retire the Government
servant prematurely.
Representation against Premature Retirement :- After issue of the orders of
premature retirement, the concerned Government servant may put up representation
for orders otherwise, within three weeks from the date of service of such notice /
order and the matter may be placed before Representation Committee along with fresh
input, if any. The examination of the representation should be completed by the Cadre
Authorities within two weeks from the date of receipt of representation. The
Representation Committee considering the representation shall make its
recommendations within two weeks from the date of receipt of the reference from
the Cadre Authorities concerned and the Appropriate/Appointing Authority should
pass its orders within two weeks from the date of receipt of the recommendations of
Representation Committee.
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iii. Invalid Pension

This is granted on the request of the government servant who is permanently
incapacitated either physically or mentally. The Govt. servant has to get a medical
certificate on the prescribed form (Form 23) from the competent medical authority with
full knowledge of the Head of Office. The official, after invalidation, should be relieved
immediately. If the official is on leave, the retirement should take effect from the date
of expiry of leave. The invalid pension should not be less than the normal rate family
pension admissible to that GS. (Rule 38) As per DoPPW’s OM dated 12.2.2019, the
condition of qualifying service of ten years for grant of pension shall NOT be applicable
in the case of a GS retiring on Invalid Pension on account of any bodily or mental
infirmity. Accordingly, Invalid Pension at the rate of 50% of emoluments or average
emoluments, whichever is more beneficial, subject to a minimum of Rs. 9000 per
mensem and maximum of Rs. 1,25,000 per mensem, shall be payable to a GS who
retires under Rule 39 every BEFORE completing a qualifying service of ten years.
Compassionate appointment of dependants (DoPT OM dt. 16.1.2013 & 30.5.2013)

The objective of the Scheme is to grant appointment on compassionate grounds to a
dependent family member of a Government servant who has died while in service or
who is retired on medical grounds before attaining the age of 55 years (57 years for
erstwhile Group ‘D’ employees), thereby leaving the family in penury and without any
means of sustainable livelihood so as to provide relief to the family of the Government
servant concerned from financial destitution and to help it get over the emergency.
iv. Compensation Pension

This is granted when the permanent post of a Govt. servant is abolished and it
is not possible to appoint him in any other post the conditions of which are deemed to
be equal to the one held by the govt. servant and he does not opt for another
appointment on such pay as may be offered to him. If a lower post is offered and not
accepted by the Government Servant, even then compensation Pension is admissible.
If lower post is accepted, the previous service and the service in the lower post will
count for pension. In that case no compensation pension is payable. Similarly, for
mere abolition of duties or mere abolition of allowances or mere abolition of part time
post, compensation pension is not payable. (Rule 39).
v. Pension on absorption in Public Sector Undertakings

This is granted to Govt. servant who is permanently absorbed by the PSUs or
Autonomous Bodies. Such a Govt. servant can opt to receive pro-rata retirement
benefits rendered under Central Govt. or those benefits of combined service under the
Govt. in the Autonomous Body. Pension calculated as in the case of Superannuation
Pension. (Rule 37).
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vi. Surplus Pension: (Rule 36 (b) It is allowed for those Government Servants,
who have been declared surplus and referred to surplus cell. In case, they have been
accommodated against any post, the service rendered by them in the earlier post will
be carried over.
vii. Compulsory Retirement Pension

This is admissible to a govt. servant who is retired as a measure of penalty by
the competent authority. The amount of this pension or gratuity or both shall not be
less than two-thirds of the normal pension and more than full compensation pension
that could be sanctioned to a govt. servant on the date of such retirement. Date of
retirement is the date on which penalty becomes effective (Rule 40).
vii. Compassionate Allowance

This is available to a govt. servant who is dismissed or removed from service
and forfeits his pension and gratuity. The authority competent to dismiss or remove
him from service may in consideration of deserving cases, sanction a compassionate
allowance not exceeding two-thirds of pension or gratuity or both which he would have
got had he retired on compensation pension and should not be less than Rs. 9,000/-
(Rule 41).
9. Gratuity
The retirement benefits comprise Pension, which is a monthly recurring payment, and
Gratuity, which is a lump sum payment.
A Government Servant with less than 10 years qualifying service is not entitled
for pension instead he is paid Service Gratuity @ 50% of the emoluments for every 6
months of his service.
A Government Servant with 10 years or more service gets Pension. In other

words, a Government Servant, on his retirement, gets either Pension & Retirement
Gratuity or Service Gratuity & Retirement Gratuity.
While Service Gratuity is in lieu of Pension and is payable for 6 months service
onwards, Retirement Gratuity is payable, if the minimum qualifying service is 5 years
or more.
To sum up
1. Pension =10 years or more qualifying service.

2. Retirement Gratuity =5 years or more qualifying service.
3. Service Gratuity = 6 months qualifying service or more but less than 10 years
qualifying service
4. Death Gratuity = No service limit
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10. Basic Factors Governing Pension/Gratuity
1. The payment of Pensionary Benefits depends on the following: -
(i) Qualifying Service

(ii) Emoluments or Average Emoluments
2. Qualifying Service (QS)
(i) QS is service rendered while on duty or otherwise which shall be taken into
account for the purpose of determining the amount of pension and gratuity.
(ii) Service qualifies only when the duties and pay are regulated by GOI and paid
from the Consolidated Fund of India administered by GOI.
(iii) QS commences from the date GS takes charge of the post (i.e. Date of joining)
and ends on the date of death or date of retirement.
(iv) Temporary service followed by confirmation without interruption will also qualify.
(v) Various types of service and whether it qualifies for pension/gratuity.
Period rendered on/in Is it reckoned Conditions(if any)
as QS
Probation(R-15) YES If followed by confirmation in the
same or another post.
Training (R-22) YES There should be no interruption
(Immediately before except joining time
appointment)
(In service) YES --
Duty and periods treated as YES -
‘duty’
Deputation and Foreign YES -
Service
State Govt. Service YES There should be no interruption
(R-14) except joining time.
Autonomous body Option with GS Subject to certain conditions
(R-14)
Service on contract Option with GS Subject to certain conditions.
(R-17)
Military Service before re- Option with GS Subject to certain conditions
employment (R-19).
(v) Periods spent on leave (R-21)
All leave with leave salary Counts as QS
Extra-ordinary leave
a) With medical certificate
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b) Without medical certificate Counts as QS

i) Due to civil commotion
ii) For higher scientific or technical studies Counts as QS
iii) Other grounds (i.e. other than (i) and (ii) Counts as QS
above Does not count as QS
Note: In case (iii) above, a definite entry is to be made in the service book to the effect
that the EOL without MC is on grounds other than (i) and (ii) above or that the period
of EOL will not count as QS. All spells of EOL without MC not covered by such
definite entry will be deemed as QS.
(vi) Unauthorized absence (overstay) in continuance of authorised leave of absence

treated as ‘dies non’ will NOT be counted while computing QS.
(vii) Periods of suspension
If GS under suspension
i) If fully exonerated -- Counts as QS
ii) If suspension is held
wholly unjustified -- Counts as QS
iii) If proceedings end
with minor penalty -- Counts as QS
iv) Other cases -- Does not count as QS
Note: Competent authority must declare whether and to what extent period of
suspension will count as QS. In the absence of specific entry, all period of suspension
shall count towards QS. [Rule 23]
(viii) Resignation, removal or dismissal entails forfeiture of past service. [Rules 24].
11. How to calculate QS?

To work out the net QS to be reckoned for the purpose of calculating pension and
gratuity-
Years Months Days

Gross Service i/c past service, if any -- -- --
LESS period of Non-QS -- -- --
Net QS -- -- --
NET QS in SMPs (six monthly period)
Note: “Month” means “Calendar month” and Year means calendar year
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• Rounding off of Qualifying Service

QS is expressed in completed six monthly periods (SMPs). It is subject to a maximum
of 66 SMPS. Broken periods of years are to be reckoned as follows:
Fraction of a year Number of SMP

Less than 3 months Nil
3 months and above but less than 9 months One
9 months and above Two
12. Average emoluments/Emolument (R 33 & 34)
Emoluments and Average Emoluments

(i) Emoluments. Emoluments are used for purposes of calculating pension,
gratuities and Family Pension and other retirement benefits. The term
emoluments is last pay drawn and last pay means the basic pay as per
Pay Matrix (earlier Band Pay plus Grade Pay) as defined in FR 9(21)(a)(I),
which a Govt. servant was receiving immediately before his retirement or
on the date of his death. Non-practicising Allowance also counts
towards Emoluments. It does not include special allowance, personal pay,
deputation (duty) allowance etc. If a Govt. servant had been on leave with
leave salary or been suspended but later reinstated without forfeiture of
past service, the emoluments which he would have drawn had he not been
absent from duty or suspended, will be reckoned as emoluments. An
increment falling due during EL not exceeding 120 days, even though not
actually drawn, counts as emoluments. When a govt. servant proceeds on
Foreign Service, the pay which he would have drawn under Govt. but for
proceeding on Foreign Service will be treated as emoluments.
(ii) With effect from 1st January 2016, for the purpose of calculation of all kinds
of gratuities (retirement, death, service ), Last Pay drawn means pay so
fixed in Pay Matrix plus Dearness Allowance as admissible on the date of
retirement will be taken as ‘Emoluments’. For calculating Encashment of
Leave also dearness allowance on the last pay drawn is taken into account.
(iii) If a Govt. servant dies while under suspension before the disciplinary
proceedings are concluded, the period between the date of suspension and
his date of death shall be treated as duty for all purposes. Pay in such a
case would mean emoluments to which he would have been entitled but
for the suspension.
(iv) Average Emoluments (A.E). Average Emoluments (A.E) is used for the
purpose of calculation of Pension. A.E means Emoluments drawn by a
Govt. servant during the last 10 months of his service. In the event of being
on EOL or under suspension during these 10 months, that period will be
ignored and equal period before 10 months will be included for calculation
of average emoluments. Pension will be calculated on Average
Emoluments or Emoluments whichever is beneficial.
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(v) Any reduction in pay drawn during the last ten months of service otherwise
than as a penalty, average emoluments shall be treated as ‘Emoluments’
for the purpose of determining Retirement Gratuity/Death Gratuity.
Emolument for Emolument for Gratuity Emolument for Family

Pension Pension
Emolument means Last pay drawn or AE (Total Emolument of Last ten
months/10), whichever is beneficial
Pay Means Pay Means Pay Means
Basic Pay as per Basic Pay as per Pay Matrix Basic Pay as per Pay
Pay Matrix +NPA +NPA Matrix +NPA
Plus DA at the time of

retirement/death
Note:
1. Dearness Allowance is reckoned in calculation of ‘Emolument’ only for

the purpose of Retirement Gratuity of Death Gratuity and for no other
purpose.
[Rule 33 read with FR 9(21) (a) (i) and DPPW’s OM dated 19-10-93]
2. Do not round off the AE.
13. Pension
How to calculate Pension?
50
Formula: Pension = ----- X AE or LPD, whichever is more
100
[Rule 49(2)]
subject to minimum of Rs.9000/- per month
[Rule 48(4)]
14. Service Gratuity (In Lieu of Pension)
i. A lump-sum payment payable in lieu of pension.

ii. Admissible to GS who retires from service before completion of 10 years QS.
iii. How calculated: ½ x E x SMPs (Max. 66)
iv. A GS who has completed 5 years QS and has become eligible for SG or
Pension, on retirement, is eligible for Retirement Gratuity also.
[rule 49(1) & 50(1)
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15 Retirement Gratuity
i. Payable to GS on retirement.
ii. Admissible in addition to SG or Pension
iii. How Calculated: ¼ x E x SMPs (Max. 66)
iv. Subject to a maximum of 16 ½ times emoluments provided RG does not
exceed Rs. 20 Lakhs only.
[Rule 50(1)(a) & first proviso thereto]
16 Death Gratuity
i. Payable to the family of the deceased GS

ii. How calculated:
Length of QS Rate of DG
i) Less than 1 year 2 times E
ii) One year or more but less than 5 years 6 times E
iii) 5 years or more but less than 11 years 12 times E
iv) 11 years more but 20 years less than 20 times E
v) 20 years of more ½ X E X SMPs (Max. 66)
Provided does not exceed Rs. 20
lakhs only.
The maximum limit of Retirement Gratuity and Death Gratuity shall be Rs. 20 lakh.
The ceiling on gratuity will increase by 25% whenever the Dearness Allowance rises
by 50% of the basic pay (DoPPW OM dt. 4.8.2016)
For the purpose of death gratuity –

(i) If the entire service rendered by the deceased Government servant is not capable
of being verified and accepted, the amount of death gratuity shall be provisionally
determined in accordance with clause (b) of sub-rule (1) of rule 50 on the basis of the
length of qualifying service which is verified and accepted immediately preceding the
date of death of the Government servant and the amount of death gratuity, so
determined shall be authorised to the beneficiaries on provisional basis within
one month from the date of receipt of intimation of date of death of the
Government servant.
(ii) The final amount of the death gratuity shall be determined by the Head of Office
on the acceptance and verification of the entire spell of service by him within a period
of six months from the date on which the authority for the payment of provisional
death gratuity was issued and the balance, if any, becoming payable as a result of
determination of the final amount of death gratuity shall then be authorised to the
beneficiaries.”;
(iii) for Form 18, a new Form shall be substituted
(DoPPW notification dt. 19.9.2019 - Central Civil Services (Pension) Second
Amendment Rules, 2019)
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17 Residuary Gratuity
i. Payable to the family of the deceased GS

ii. It is the residual (outstanding) amount of the death gratuity.
iii. The Death Gratuity payable in the case of the death of a Government Servant
while in service after completion of 5 years of qualifying service is minimum 12
times of emoluments which he was getting at the time of death.
iv. But there is no such minimum in the case of retirement gratuity payable on
retirement. Therefore, if a Government Servant dies within 5 years from the
date of retirement and the sum actually received by him at the time of death on
account of pension or service gratuity and Retirement Gratuity is less than 12
times of emoluments the deficiency may be granted to the family of the
deceased Government Servant and this deficiency is called residuary Gratuity.
v. This is based on the principle that the benefit which accrues in the case of a
death in service should not be denied in the case of death immediately after
retirement.
vi. Conditions:
a. GS should be eligible for SG or pension; and
b. Pensioner has died within 5 years from date of retirement.
c. How calculated: Difference between 12 times emoluments at the time of
retirement and the amount(s) actually received by the GS at the time of death
(SG or pension plus RG plus commuted value of a portion of pension plus
Dearness Relief on pension).
[Rule 50(2)]
SG, DG or Residuary is paid in whole of a rupee. A fraction of a rupee is

rounded off to the next higher rupee.
18. Family for gratuity:

For the purpose of Gratuity, family means –
Category I (I to IV)
i. Wife or wives including judicially separated wife or wives in case of male

GS,
ii. Husband including judicially separated husband in case of female GS,
iii. Sons including stepsons and adopted sons,
iv. Unmarried daughters including steps-daughters and adopted daughters,
v. Widowed daughters including step-daughters and adopted daughters
Category II (V to XI)
vi. Father | including adoptive parents in case,

vii. Mother | GS’s personal law permits adoption,
viii. Brothers including step-brothers Below 18 Years Age,
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ix. Unmarried sisters and Widowed sister including step-sisters,

x. Married daughters, and
xi. Children of a pre-deceased son.
In case of no nomination or if nomination made does not subsist.
a) Payable to the surviving members of the family as at I to V in Equal

shares.
[Rule 51(b)(1)]
b) In case of no surviving member as at I to V above payable to the
surviving members of the family as at VI to XI in Equal shares.
[Rule 51(b)(ii)]
c) In case there is no family or surviving member of the family, payable to

the person in whose favour a Succession certificate is granted by a Court
of Law. [Proviso to Rule 52]
19. Debarring
A person charged with the offence of murdering or abetting the offence shall be
debarred from receiving the gratuity, unless acquitted of the charge. [Rule 51(a)]
19 A Suicide
Benefits admissible in cases of suicide also. - The Pension Rules do not prohibit the
grant of family pension/death gratuity to the family of a Government servant who
commits suicide.
[G.I., M.F., Letter No. F. 29 (2)-E. V/56, dated the 11th September, 1956]
20. Lapse of RG/DG

In the absence of the possibilities given above (para 18) RG/DG will lapse.
21. Family Pension
Admissible to the family of a deceased GS if he dies:
i. After completion of not less than one year’s continuous service; or

ii. Before completion of one year’s continuous service, provided the deceased GS,
immediately prior to his appointment was medically examined and declared fit
for Govt. service; or
iii. After retirement, was in receipt of pension on the date of death.
This implies that a Government Servant who retires before completion of 10 year
qualifying service and as such not entitled for pension, instead only for service gratuity,
dies after retirement, his family is not eligible for Family Pension of 1964.
For the purpose of Family Pension, 1964, if the family of the deceased Government
servant has become eligible for family pension in accordance with sub-rule (2) of rule
54, the amount of family pension and the period for which it is payable shall be
determined in accordance with sub-rule (3) of rule 54 within one month from the date
of receipt of intimation of the date of death of the Government servant. (DoPPW
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notification dt. 19.9.2019 - Central Civil Services (Pension) Second Amendment Rules,
2019)
22. Family for the purpose of family pension:
For the purpose of Family Pension, the ‘Family’ shall be categorized as under:-
Category-I
a. Widow or widower, up to the date of death or re-marriage, whichever is

earlier; if the widow is issueless and remarries, her pension will not stop,
but as soon as her income from any source becomes Rs. 9000/- or
more it will stop.
b. Son/Daughter (including widowed daughter), up to the date of his/her
marriage/remarriage or till the date he/she starts earning or till the age
of 25 year whichever is the earliest.
[Rule 54(14)(b)]
Category-II
i. Unmarried/Widowed/Divorced daughter, not covered by Category I above, upto

the date of marriage/re-marriage or till the date she starts earning or upto the
date death, whichever is earliest.
ii. Parents who were wholly dependent on the Government servant when he/she
was alive provided the deceased employed had left behind neither a widow nor
a child. Family pension to dependent parents unmarried/divorced/widowed
daughter will continue till the date of death.
iii. Family pension to unmarried/widowed/divorced daughters in Category II and

dependent parents shall be payable only after the other eligible family members
in Category I have ceased to be eligible to receive family pension and there is
no disabled child to receive the family pension. Grant of family pension to
children in respective categories shall be payable in order of their date of birth
and younger of them will not be eligible for family pension unless the next above
him/her has become ineligible for grant of family pension in that category.
The dependency criteria for the purpose of family pension shall be the minimum
family pension along with dearness relief thereon.
23. To whom payable
i. Family pension is ordinarily payable to only one person at a time in the following
order:
i) Widow/widower Up to the date of death or re-marriage, whichever is
earlier. In the case of childless widow, remarriage is not a
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bar. She is eligible for FP until her independent income

from all sources becomes equal to Rs.9000/- pm or more.
ii) Sons Up to the age of 25 years or marriage or till he starts
earning Rs. 9000/- or more, whichever is earlier.
iii) Unmarried/ For life or marriage/ re- marriage or till she starts earning
Widowed Rs.9000/- or more, whichever is earlier.
daughters
iv) Mother/Father Only if the deceased govt. servant/pensioner had neither
left behind widow nor children. Available up to death, first
to mother.
ii. Family pension to children shall be payable in the order of their birth and the
younger of them will not be eligible unless the elder next above him/her has
become ineligible for grant of family pension.
iii. Twin Children will be payable in equal shares. If either of the twins dies, that
portion will be restored to the surviving twin.
iv. Mentally or physically disabled children, who are unable to earn their own
livelihood, will get family pension for life.
v. Life time family pension to disabled children or unmarried/divorced/widowed
daughters only after other members have become ineligible.
vi. Family Pension to disabled son admissible ever after his marriage and till he
starts earning Rs.9000/- or more.
vii. If there is unmarried/divorced/widowed daughter above the age of 25 years and
a disabled child only to receive the FP then FP shall be payable to the disabled
child first and then to the daughter. (DoP &PW OM dated 11-9-2013)
viii. When both husband & wife are GSs & one dies, FP is payable to surviving
spouse + salary/pension – on death of both, children get 2 FPs, subject to a
max. of Rs.1.25 lakhs (enhanced rates) Rs. 75,000 (normal rates) per month
(DoPPW OM dt.12.2.2021)
ix. When a Government Servant is survived by more than one widow, the Family
Pension will be paid to them in equal shares. On the death of the widow, her
share will go to her eligible child. If she has no child, her share will pass on to
the next widow.
x. FAMILY PENSION – MISSING GS/Pensioner/Family Pensioner – DoP&PW
OM dated 25th June, 2013 - In the case of a missing employee/pensioner/family
pensioner, the family can apply for the grant of family pension, amount of salary
due, leave encashment due and the amount of GPF and gratuity (whatever has
not already been received) to the Head of Office of the organisation where the
employee/pensioner had last served, six months after lodging of Police report.
It includes those kidnapped by insurgents/terrorists but does not include those
who disappear after committing frauds/crime etc. The family pension and/or
retirement gratuity may be sanctioned by the Administrative
Ministry/Department after observing the following formalities:-
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a. The family must lodge a report with the concerned Police Station and
obtain a report from the Police, that the employee/ pensioner/ family
pensioner has not been traced despite all efforts made by them. The
report may be a First Information Report or any other report such as a
Daily Diary/General Diary Entry.
b. An Indemnity Bond should be taken from the nominee/dependents of the
employee/pensioner/family pensioner that all payments will be
adjusted against the payments due to the employee/pensioner/family
pensioner in case she/he appears on the scene and makes any claim.
(ii) The family pension, at the ordinary or enhanced rate, as applicable, will
accrue from the expiry of leave or the date up to which pay and allowances
have been paid or the date of the police report, whichever is later. In the case
of a missing pensioner/family pensioner, it will accrue from the date of
the police report or from the date immediately succeeding the date till which
pension/family pension had been paid, whichever is later.
(iii) The retirement gratuity will be paid to the family within three months of
the date of application. In case of any delay, the interest shall be paid at the
applicable rates and responsibility for delay shall be fixed. The difference
between the death gratuity and retirement gratuity shall be payable
after the death of the employee is conclusively established or on the
expiry of the period of seven years from the date of the police report
xi. Family pension to a person charged with the offence of murdering or

abetting in the murder of the Government servant (DoPPW OM dt.
16.6.2021)
In accordance with sub-rule (11-C) of rule 54 of the Central Civil Services
(Pension) Rules, 1972, if a person, who is eligible to receive family pension on
death of a Government servant or a pensioner, is charged with the offence of
murdering the Government servant/pensioner or for abetting in the commission
of such an offence, the payment of family pension remains suspended till the
conclusion of the criminal proceedings instituted in this regard. In that case,
family pension is neither paid to the person who is charged with the
offence nor to any other eligible member of the family till the conclusion
of the said criminal proceedings. If on conclusion of the criminal proceedings,
the person concerned is convicted for the murder or abetting in the murder of
the Government servant, he/she is debarred from receiving the family pension.
In that case, the family pension becomes payable to other eligible member of
the family, from the date of death of the Government servant. If, however, the
person concerned is subsequently acquitted of the charge, the family pension
becomes payable to that person from the date of death of the Government
servant.
The above provisions have been reviewed in consultation with Department of
Legal Affairs. Denying the payment of family pension to any other member of
the family (e.g. dependent children, parents, etc.), who is not charged with the
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offence, till the conclusion of criminal proceedings is not considered justified,

as finalisation of the criminal proceeding may take a long time and the eligible
children/parents of the deceased may suffer for want of financial support by
way of family pension.
It has, accordingly, been decided that in cases where a person eligible to
receive family pension is charged with the offence of murdering the
Government servant or for abetting in the commission of such an offence and
the payment of family pension to him/her remains suspended under Rule 54(11-
C) of CCS (Pension) Rules, 1972, family pension may be allowed to other
eligible member of the family till the conclusion of the criminal
proceedings in this regard. If the spouse of the Government servant is charged
with the offence of murdering the Government servant or for abetting in the
commission of such an offence and the other eligible family member is a minor
child of the deceased Government servant, the family pension to such minor
child shall be payable through a duly appointed guardian, and the mother or
father of the minor child (who is charged with the offence) shall not act as
guardian for the purpose of drawal of family pension.
If the concerned person is subsequently acquitted of the charge, the family
pension shall become payable to that person from the date of such acquittal
and the family pension to other member of the family shall be discontinued from
that date.
In the cases where the payment of family pension has been suspended as per
the provisions of Rule 54 (11-C) of CCS (Pension) Rules, 1972, before the issue
of this OM, the arrears of family pension accruing from the date following the
date of death Govt. Servant/Pensioner, shall also be paid to the other eligible
family member of the Govt. Servant/Pensioner.
24. Normal rate of family pension - Determined as given below

30% of emoluments subject to minimum Rs.9000 /- and maximum Rs. 75000/- p.m.
25. Enhanced rate of family pension
Where of a Government servant who died within ten years before the 1st day
of October, 2019, without completing, continuous service of seven years, his family
shall be eligible for family pension at enhanced rates in accordance with sub-rule (3)
with effect from the 1st day of October, 2019, subject to fulfilment of other conditions
for grant of family pension (earlier words “after having rendered not less than seven
years’ continuous service” has been omitted). The enhanced family pension under
Rule 54(3)(a)(i), shall be payable to the eligible member of the family for a period of
ten years. If any pensioner dies, then the enhanced family pension under Rule
54(3)(a)(i) shall be payable to the eligible member of the family for a period of seven
years after the retirement or up to the period the pensioner would have attained
the age of 67 years had he been alive, whichever is earlier. The enhanced rate of
family pension is 50% of the emoluments or the amount of pension authorized at the
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time of retirement. After the expiry of the period given above the family pension will be
payable at normal rate (DoPPW notification dt. 19.9.2019 - Central Civil Services
(Pension) Second Amendment Rules, 2019)
26. Eligibility of family pension to children from a void or voidable marriage.
The share of children from illegally wedded wife in the family pension shall be
payable to them in the manner given under sub-rule 7(c) of CCS(Pension) Rule, 1972,
along with the legally wedded wife. ( O.M. No.1/16/1996-P&PW(E) vol.II dated 27
November 2012)
27. Revision of Pension:
Pension formulation for the civil employees including CAPF personnel, who
retired before 1-1-2016: -
i) All the civilian personnel including CAPF who retired prior to 1-1-2016 shall first
be fixed in the Pay Matrix, on the basis of the Pay Band and Grade Pay at which
they retired, at the minimum of the corresponding level in the matrix. This
amount shall be raised, to arrive at the notional pay of the retiree, by adding the
number of increments he/she had earned in that level while in service, at the
rate of three percent. Fifty percent of the total amount so arrived at shall be the
revised pension.
ii) The second calculation is pension, as had been fixed at the time of
implementation of the VI CPC recommendations, shall be multiplied by 2.57 to
arrive at an alternate value for the revised pension.
iii) Pensioners are given the option of choosing whichever formulation is beneficial
to them.
iv) Revised consolidated pension of pre-2006 pensioners shall NOT be lower than
50% of the minimum of the pay in the pay band and the grade pay (wherever
applicable) corresponding to the pre-revised pay scale as per fitment table
without pro-rata reduction of pension even if they had qualifying service of less
than 33 years at the time of retirement. (DoPPPW OM dt. 6.4.2016)
v) Ministries/Departments, etc. are to suo moto proceed to process the revision

cases immediately to avoid delays in issuance of revised PPOs of pre-2016
retirees. (DoPPW OM dt. 25.7.2017)
vi) The issue of bunching is not applicable in case of pensioners who retired
before 1.1.2016. (DoPPW OM dt. 18.1.2019)
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Illustration on fixation of pension based on recommendations of the Seventh

CPC.
Case I:
Pensioner ‘A’ retired at last pay drawn of Rs. 79,000 on 31st May, 2015 under the
VI CPC regime, having drawn three increments in the scale Rs. 67,000 to 79,000:
Amount in Rs.
1. Basic Pension fixed in VI CPC 39,500/-
2. Initial Pension fixed under Seventh CPC 1,01,515/- Option 1
(using a multiple of 2.57)
3. Minimum of the corresponding pay level in 1,82,200/-
7 CPC
4. Notional Pay fixation based on 3 1,99,100/-
increments
5. 50 percent of the notional pay so arrived 99,550 /– Option 2
6. Pension amount admissible (higher of 1,01,515/-

Option 1 and 2)
Case II:
Pensioner ‘B’ retired at last pay drawn of Rs. 4,000 on 31 January, 1989 under the
IV CPC regime, having drawn 9 increments in the pay scale of Rs. 3000-100-3500-
125-4500:
Amount in Rs.
1. Basic Pension fixed in IV CPC 1,940/-
2. Basic Pension as revised in VI CPC 12,543/-
3. Initial Pension fixed under Seventh CPC (using 32,236/- Option 1
a multiple of 2.57)
4. Minimum of the corresponding pay level in 7 67,700/-
CPC
5. Notional Pay fixation based on 9 increments 88,400/-
6. 50 percent of the notional pay so arrived 44,200/- Option 2
7. Pension amount admissible (higher of Option 1 44,200/-
and 2)
28. Commutation of Pension

Commutation of Pension is commutation or surrender of a portion of pension and not
Family Pension for getting a lump sum payment. A Government Servant or pensioner
against whom departmental/judicial proceedings are pending is not allowed to
commute.
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A Government Servant is entitled to commute upto a maximum of 40% of his pension.
Application in the prescribed form should be made to the Head of Office after
retirement. If the official retires on superannuation, application can be submitted
before the date of Superannuation.
The application should have a nomination in the prescribed form conferring the right
to receive the commuted value to one or more persons in case of his death without
receiving payment.
In all the cases, commutation becomes absolute on the date of receipt of application
by the Head of Office.
Commutation is permissible by two methods:
1. Without Medical Examination; and

2. By Medical Examination.
No Medical Examination is essential in the following cases, if the application is made
within one year from the date of retirement:
1. Superannuation Pension;
2. Retiring Pension;
3. Absorption Pension;
4. Compensation Pension;
5. A Pension granted on finalisation of Departmental/judicial Proceedings.
In the following cases Medical Examination is essential:
1. Those retired on Invalid Pension.

2. Compulsorily retired from service as penalty and granted Pension.
3. Compassionate Allowance (dismissed employees)
4. All pensioners if the application for commutation is made after one year.
In all cases mentioned above, the commutation becomes absolute on the day on which
the medical authority signs the medical report. The pensioner may withdraw his
application at any time before medical examination.
After Medical Examination, he can withdraw his application, if the medical authority
directs that his age for commutation is greater than his actual age.
In case, a Government Servant retiring on Superannuation submits application for

commutation of pension before the date of superannuation, commutation becomes
absolute on the date following the date of retirement. Commuted value should not be
paid if the Government Servant dies before retirement or forfeits his claim before such
date.
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Procedure where Medical Examination is not essential
The Government Servant shall submit his application to Head of Office after
retirement, in form No. 1. Head of Office will initial with date, acknowledge receipt,
complete the form and sending to Accounts Officer, after keeping a copy. The
Accounts Officer will verify, exercise necessary checks, issue authority for commuted
value to the pension disbursing authority with a copy to the pensioner for collecting the
amount. The reduction in pension will become effective from the date of receipt of
commuted value or at the end of three months whichever is earlier.
Procedure where the Medical Examination is required
The retiring Government Servant or pensioner will apply to Head of Office in

Form No. 2. Head of Office will acknowledge the receipt and send it to the Accounts
Officer for filling up part 4 and for re-transmission. Accounts Officer will return it. Head
of Office will forward this with Form 3. The official will appear before the medical officer
for medical examination. On receipt of medical report, the commutation will be
allowed.
How to calculate Commuted Value
A commutation table is given with data on computation expressed as number

of years purchase with reference to the age from 17 years to 85 years. This can be
seen in CCS (Pension) Rules, 1972. The age on the next birthday is determined with
reference to the date of receipt of application in cases where no Medical Examination
is essential or with reference to the date of Medical Examination where it is necessary.
Value of commutation is calculated on the basis of a formula given below:
Value of Commutation = Commuted Value given in table X 12 X amount offered for

commutation
For example, Mr. A whose age on next birthday is 61, offers to commute Rs.
1000/- of his pension of Rs. 3000/-.
At the age of 61, the commuted value as given in commutation table is 8.194.
Therefore, value of commutation is equal to 8.194 x 12 x Rs. 1000/- = Rs. 98328/-.
In other words, he will get the commutation value of Rs. 98328/- and his
pension will stand reduced from Rs. 3000/- to Rs. 2000/-.
Provisional Pension can also be commuted.
The commuted portion of the pension will be restored after 15 years from
the date of retirement, if the commutation is simultaneous or from the date of
communication in other cases.
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On restoration, the pensioner can draw the amount of original pension. The
formula for calculation of the commuted value is:-
Amount offered for commutation X 12 X Commutation factor.
An example of commutation in the case of an employee who retires at the age of 60

years:-
Average Emoluments Rs.60,000

Qualifying Service 33 years
Superannuation pension 60000 X 50
---------------- = 30000
100
Amount commuted 40% 12000
Residual pension 30000 – 12000 = Rs.18000 p.m.
(Plus dearness relief on full basic pension of
Rs.30,000)
Amount of commuted Value of 12000 X 12 X 8.287 = Rs. 11,93,328/-
Pension
Commuted portion of pension is restored to pensioners on completion of 15
years from the date of commutation.
29. Additional Pension/Family Pension is allowed to the pensioners/family

pensioners on their attaining the age of 80, 85, 90, 95 and 100 years at the rate
of 20%, 30%, 40%, 50% and 100% respectively will be as under. Dearness
Relief is also available on the additional pension. Rule 49(2-A)
Age of Pensioner / family pensioner Additional quantum of pension
80 years to less than 85 years 20% of Basic pension
100 years or more 100% of Basic pension
This benefit of additional pension will be admissible from the 1st day of the month in
which the pensioner reaches the above age.
30. Procedure for authorisation of amounts of pension and gratuity

To minimise delay, time-schedule for processing Pension cases has been
revised to enable commencement of Pension on the 1st day of the month in which it
is due. For this, requirement of administrative sanction has been dispensed with
The responsibility of finalization of Pension cases and issue of Pension

Payment Orders [PPO] has now been vested with Accounts Officer. Every Head of
Department prepares a list every three months on 1st of January/ April / July/
October each year of all government servants who are due to retire within the next
12 to 15 months. A copy of such list is to be sent to the Accounts Officer.
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31. Preparation of Pension Papers

This job is undertaken One year before the date of retirement. Service Book
has to be scrutinised, certificates of verification for entire service are recorded and
unverified portion, if any, is required to be verified. For any unverifiable service, the
Govt. servant is asked to file a statement on plain paper and the declaration is taken
as truth. All omissions, imperfections and deficiencies with regard to qualifying service
are also made good at this stage.
Before 8 months to retirement, HOO to furnish a certificate reg. length of QS

proposed to be admitted for Pension & Gratuity to GS and forward Form 5 to GS
advising him to return before 6 months prior to DOR.
In the latest revised forms 5 and 7, Aadhaar number should be indicated while
forwarding the pension papers to PAO.
For calculation of average emoluments, the Head of office verifies from the
Service Book the correctness of emoluments drawn/to be drawn during the last 10
months of service.
All the actions have to be completed 6 months before the retirement and
pension papers complete in all respects are sent to the Accounts Officer 4 months
before the date of retirement.
32. Authorisation of Pension and Gratuity

The Accounts Officer issues Pension Payment Order not later than one
month before the date of retirement of a Govt. servant. The amount of gratuity is
drawn and disbursed by the Head of Deptt. after adjusting any outstanding dues.
32 A. Facility for Central Government Civil pensioners to store Electronic PPO

in Digi Locker (DoPPW OM dt. 26.8.2020)
Pensioners have to face innumerable hardship at various stages of their retired life.
For newly retiring officials, in view of the widespread Covid-19 pandemic, it is a
dilemma to physically receive hard copies of the PPO. Department of Pension &
Pensioners' Welfare DoPPW) has decided to integrate the electronic Pension
Payment order (e-PPO) generated through Pubic Financial, Management System
(PFMS) application of CGA(Controller General of Accounts) with Digi Locker, in order
to enhance Ease of living of Central Government Civil Pensioners. This system will
enable any Pensioner to obtain an instant copy/print-out of the latest copy of his PPO
on his Digi Locker account. This initiative will create a permanent record of his PPO in
his Digi Locker and at the same time eliminate delays in reaching the PPO to new
pensioners, as well as the necessity of handing over a physical copy.
This facility has been created within "Bhavishya” software, which is a single window
platfom for Pensioners, right from the start of their Pension processing, till the end of
the process. Bhavishya shall now provide an option to the retiring employees, to link
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their Digi-locker account with their "Bhavishya” account and obtain their e-PPO in a
seamless manner.
33. Withholding of 10% gratuity from retiring GS: PAO shall NOT withhold any
gratuity unless HOO orders
i. To intimate Directorate of Estate’s order for withholding 10% of gratuity for

outstanding licence fee.
ii. To inform the ongoing disciplinary proceedings against the official.
34. Payment of pension through banks/post office
i. The facility to draw pension/family pension through public sector banks and
through post office savings bank is available to all the pensioners/family
pensioners of Central Government.
ii. A retiring employee should indicate in his application for pension (Form 5) the
name off the bank and the branch through which he wishes to draw his pension.
iii. An undertaking towards refunding any excess payment made by the pension
disbursing bank may be obtained by HOO from retiring GS along with Form 5
and other documents.
iv. The bank shall credit the pension to the account of the pensioner as soon as
the undertaking is received alongwith the pension documents.
v. Pensioner is NOT required to visit the bank to activate the first payment of
pension.
vi. There is NO provision of life certificate at the time of first credit of pension.
Banks need not insist.
vii. The Pensioner should open a Savings/Current Account in his OWN name (NOT
joint or either or survivor account) if he does not have a similar account already.
viii. Pension may also be credited into a joint account operated by pensioner with
his/her spouse in whose favour an authorization for family pension exists in the
PPO (OM dt. 9.6.2005)
ix. On the death of a pensioner who has a joint bank account, the spouse may
inform the bank through a simple letter, without Form 14 (has to submit if NO
joint account) and request for family pension, along with a copy of death
certificate, PPO, proof of own age/date of birth and an undertaking for recovery
of excess payment.
x. Monthly crediting of pension including DR, is automatic – pensioner need not
present any bill.
xi. The bank/PO will automatically credit the pension + DR on the last working day
of every month – NOT later than 7th of the month following) EXCEPT for the
month of March (first working day or by 7th).
xii. No automatic credit if LIFE CERTIFICATE is NOT submitted in November every
year. DR for November will not be credit but pension will be credited.
xiii. Digital life certificate based on Aadhaar Bio-metric Authentication to be followed
by banks/POs.
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35. Provisional Pension
In case the Accounts Officer is not in a position to issue Pension and Gratuity
Order, the Head of Office will, on the basis of information available in his office records,
issue Provisional Pension Payment Order and Provisional Gratuity. The payment of
provisional pension shall not continue beyond the period of six months from the date
of retirement and the provisional pension/gratuity will become final after six months.
A- Rule 64
Provisional Pension is allowed when :
: Head of office could not forward pension papers 6 months prior to Retirement.
: Accounts officer has raised observation which is likely to delay timely processing.
B-Rule 69
: Where Departmental or Judicial Enquiry is pending against Govt. servant.
In case A
: HOD will authorize provisional pension / RG under intimation to Accounts Officer.

: Provisional Pension is for six months.
: Within six months final pension orders are to be issued.
: If not, provisional Pension/Gratuity will be the final.
: If provisional pension is more than final, excess will be recovered from addl. gratuity
if due, otherwise by short payment of pension.
: If Provisional Gratuity more than Final Gratuity; no recovery.
In case B
: Only provisional pension will be authorized by Accounts officer
: No gratuity authorized before conclusion of proceedings.
: Service will be taken up to the date of retirement, if not suspended.
: Service will be taken up to date prior to suspension, if suspended.
: After proceedings are over, final pension orders to be issued.
: No recovery on account of excess pension payment.
36. Nominations
The settlement of pensionary benefits is delayed mainly due to non-availability
of proper nominations in service records. This adds to the sufferings to the families of
the deceased Govt. servant. To claim the dues, in the absence of nominations, a long
procedure has to be undergone through by obtaining a Succession Certificate.
Government servants are entitled to change our nominations whenever priorities
change. Nominations in the case life time arrears of pension are to be filed before
retirement along with the application for pension. Subsequent modifications to the
nominations can also be filed by the pensioners with the respective pension disbursing
authorities. Existence of this nomination will facilitate payment of arrears of pension
to the nominees. Pensioners can also avail of nomination facilities with their bankers.
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A bachelor at the time of making a nomination nominates his father to receive

the gratuity amount in the event of his death. He may provide that this nomination
shall become invalid in the event of his subsequently marrying. If he does not make
this contingency provision in the nomination and dies after getting married, the
payment of gratuities will be made to the nominee (i.e. his father) and his wife cannot
get any share.
37. General
All pensions/gratuities and dearness relief are payable in rupees.

Pension/family pension is payable upto and including the date on which its recipient
dies.
Grant of Pension and its continuance is subject to future good conduct of the
pensioners. Pension finally authorised cannot be revised to the disadvantage of the
pensioner except to correct a clerical error.
Pension cannot be attached, seized, etc. for any demand against a pensioner;
nor can a pensioner make any assignments etc. in anticipation of pension. But, if a
pensioner is convicted of a serious crime or is found guilty of grave misconduct or
negligence, pension may be withheld or withdrawn fully or partly for a specified or
indefinite period after following the prescribed procedure which inter-alia requires an
opportunity being given to the pensioner to show cause against the action proposed
to be taken.
38. Right of the President to withhold or withdraw Pension (Rule 9)
President reserves the right to withdraw or withhold the pension or part either
permanently or for specified period and also of ordering recovery from pension of the
whole or part of any pecuniary loss caused the Government, if in any departmental or
judicial proceeding, the pensioner is found guilty of grave misconduct or negligence
during the service.
If the departmental proceedings were instituted before retirement, the

proceedings will be continued and concluded by the same authority even after
retirement and he will submit his report to the President.
On the other hand, if the departmental proceedings were not instituted before
retirement, it cannot be instituted after retirement without the prior sanction of the
President.
No such proceedings can be initiated in respect of any event, which took place
more than 4 years before institution of such proceedings.Where departmental
proceedings are instituted or continued after retirement, a Provisional Pension is
sanctioned
39. Interest on Delayed Payments of RG / DG.
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Pensioners are entitled to receive interest on Retirement/Death Gratuity if its payment

is delayed due to administrative lapse.
Gratuity becomes payable following the date of retirement:-
-Interest will be paid if delayed by more than 3 months in case of

Superannuation.
- 6 months in case of retirement other than superannuation.
- 6 months from the date of death in service.
If enquiry instituted: -
- Exonerated: - Gratuity falls due from DOR and interest admissible if payment
delayed beyond 3 months period.
- Death: Case dropped. Gratuity falls due on date following death. Hence
interest will be paid beyond 3 months from date of death.
- Not exonerated: If gratuity allowed, falls due on date following the order.
Hence interest beyond 3 months from date of order.
40. Check list for settlement of pension cases

1. Application Form for Assessing Pension & Gratuity, in triplicate.
2. Head of Office to obtain from the govt. servant – particulars of self, family, joint
photographs, in triplicate.
3. Covering letter in the prescribed form.
4. Service Book duly completed including Leave Account portion (Date of
retirement to be indicated in Service Book). Certificate of service verification
to be recorded.
5. Statement of Govt. dues, for recovery, if any.
6. No demand certificate
7. Nomination for Gratuity
8. Three copies of specimen signature duly attested.
9. Three copies of passport size photographs duly attested
10. Certificate to the effect that no disciplinary/vigilance case is
pending/contemplated against the official.
11. Bank option in triplicate/ Bank detail.
12. Certificates regarding receipt of leave salary/pension contribution in cases
where the employee remained on Foreign Service (This may be recorded in
the Service Book).
13. Medical Certificate of incapacity from competent authority (if the claim is for
Invalid Pension).
14. Two slips showing the particulars of height and identification mark, duly
attested.
15. Application for Commutation of Pension.
16. Aadhar card detail/ number.
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41. Check list for settlement of Family Pension cases

1. Application form for Family Pension, duly completed.
2. Service Book (date of death to be indicated in Service Book).
3. Three specimen signatures of the applicant duly attested.
4. Three copies of passport size photographs duly attested.
5. Two slips bearing left hand thumb and finger impression of the applicant duly
attested in case the applicant is not literate enough to sign his/her name,
identification, etc.
6. Descriptive Roll of the applicant duly attested indicating height, personal marks
of identification, etc.
7. Death Certificate.
8. Nomination for payment of gratuity.
9. Bank option in triplicate.
10. Details of Family in the prescribed Form.
11. Aadhar card details / number.
42. Pension paper processing schedule and time frame
s.no. Process Authority Timeframe Rule

concerned
1. List preparation Head of 1st of 56(1)
12-15 months before deptt. Jan./April/July/October
retirement
2. Sending list to A.O. H.o.D. 31st of 56(2)
Jan./April/July/October
3. Sending list to Head of 12 months before 56(4)
Dte. Of estates office retirement
4. Verification and Head of 12 months before 59(a) & (b)
determining QS/AE office retirement
5. Communication of Head of 8 months before 59(c)
facts to the office retirement
employee
6. Submission of the Employee 6 months before 59(c)(iii)
papers by employee retirement
7. presentation of Head Of 4 months before 61(4)
papers to accounts Office retirement
officer
8. checking by AO and Accounts 1 month before the 65
forwarding PPO to Officer retirement
Pension Paying
Authority
9. despatch of PPO to Accounts on the last working day
CPAO Officer of month preceding the
month of retirement
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s.no. Process Authority Timeframe Rule

concerned
10-a despatch of bank CPAO by 20th of the month of
half of the PPO to retirement
CPPC of authorised
bank
10-b handing over of Head Of date of retirement
pensioners half of Office
PPO to the retiring
employee
11. completion of all CPPC / last day of the month.
formalities and paying
crediting the pension branch
to the pensioner’s
account
43. Commuted Value for a Pension of Re. 1/- per annum effective from 2nd Sep 2008
Commutation value Commutation value Commutation value

Age next expressed as Age next Expressed as Age next expressed as
Birthday number of year's Birthday number Of year's Birthday number of year's
purchase purchase purchase
20 9.188 41 9.075 62 8.093
21 9.187 42 9.059 63 7.982
22 9.186 43 9.040 64 7.862
23 9.185 44 9.019 65 7.731
24 9.184 45 8.996 66 7.591
25 9.183 46 8.971 67 7.431
26 9.182 47 8.943 68 7.262
27 9.180 48 8.913 69 7.083
28 9.178 49 8.881 70 6.897
29 9.176 50 8.846 71 6.703
30 9.173 51 8.808 72 6.502
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31 9.169 52 8.768 73 6.296
32 9.164 53 8.724 74 6.085
33 9.159 54 8.678 75 5.872
34 9.152 55 8.627 76 5.657
35 9.145 56 8.572 77 5.443
36 9.136 57 8.512 78 5.229
37 9.126 58 8.446 79 5.018
38 9.116 59 8.371 80 4.812
39 9.103 60 8.287 81 4.611
40 9.090 61 8.194
44. How is the percentage of disability computed? To whom is it applicable?
The computing of percentage of disability is application only for the Government

servants retiring under CCS (EOP) Rules. The extent of disability or functional
incapacity is determined in the following manner for purposes of computing the
disability element forming part of benefits: -
Percentage of disability assessed by Medical Percentage to be reckoned for

Board computation of disability
pension
Upto 50% 50%
More than 50 and upto 75% 75%
More than 75 and upto 100% 100%
Provided that the above broad banding shall not be applicable to Government servants
who are retained in service and are grated lumpsum compensation.
45. How disability pension is different from Invalid Pension?
The invalid pension is granted under Rule 38 of CCS (Pension) Rules when the
Government servant seek invalidation from service for any bodily or mental infirmity
whereas disability pension is granted under CCS (EOP) Rules. The CCS (COP) rules
provided that if a government servant is boarded out of service on account of injury
attributable to Government service he shall be granted disability pension which
includes service element as well as disability element. Invalid pension and disability
pension cannot be combined.
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46. Ex-gratia lump sum compensation to Civilian employees who die in

performance of their bona fide official duties
As per DoPPW’s OM dated 4.8.2016, the ex-gratia lump sum compensation to

Civilian employees who die in performance of their bona fide official duties has been
revised as under:
a. Death occurring due to accidents in course of performance of Rs.25 Lakhs

duties
b. Death occurring due to accidents in course of performance of Rs.25 Lakhs
duties attributable to acts of violence by terrorists, anti-social
elements, etc.
c. Death occurring Rs.35 Lakhs
a. Enemy action in international war or border skirmishes
and
b. Action against militants, terrorists, extremists etc.
d. Death occurring while on duty in specified high altitude, Rs.35 Lakhs

inaccessible border posts, etc. on account of natural disaster,
extreme weather conditions.
e. Death occurring during enemy action in war or such war like Rs. 45 lakhs
engagements, which are specifically notified by Ministry of
Defence and death occurring during evacuation of Indian
Nationals from a war-ton zone in a foreign country.
47. Issue of Identity Card to Pensioner
The office from which a government servant is retired will issue an identity card
to the pensioner. The pensioners’ identity card contains the details regarding address,
telephone number, date of birth, post held at the retirement, PPO / PRAN No., Aadhar
card No. etc.
The Identity card to pensioners retiring from the Central Govt. offices in Delhi
and other Metropolitan cities / big cities may be printed as Plastic Cards with the help
of PVC thermal Printer with 600 DPI resolutions. In case such facility for printing of
Plastic card is not available in the office from where the employee is retiring, the
Pensioners Identity card may be got printed locally from the market.
48. Sankalp
(i) Department of Pension and Pensioners Welfare Government of India have started
an initiative in which a platform is provided for the pensioners to access opportunities
available for use interventions in society. It also facilitates the organizations working
in these areas to select appropriate skill and expertise from the available pool of
volunteer pensioners. Another key element of the initiative is to conduct Pre-
retirement Counselling Workshops to help the retiring employees to transit smoothly
into their 2nd inning.
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Who can be registered under SANKALP?

(ii) Pensioners, Pensioner’s Association and Non-Government Organizations can be
registered under SANKALP
What is the essential requirement for the registration of pensioners?
(iii) 12 digit pension payment order (PPO) for central government civil Pensioners and
service number, rank and record office for retired defence personnel. In addition, date
of birth, date of superannuation, designation, department, PAN number and mobile
number are essential for registration of pensioners under SANKALP.
Method of registration with SANKALP.
(iv) Pensioners can submit the pensioner registration form on line website, i.e.
http://pensionersportal.gov.in/sankalp/. Also, a self-attested copy of the 12 digit PPO
is to be sent to the DOP&PW. After verification, they are registered and provided login
id and password through which they can log in.
Will a pensioner will get salary / honorarium for his said work?
(v) DOPPW only provides a platform where pensioners can access opportunities to
work / contribute towards on voluntary basis and organizations / Associations can
select appropriate skill and expertise from the available pool of human resources.
49. Jeevan Pramaan
(i) Digital life certificate for pensioners scheme of the Government of India is known as
Jeevan Pramaan. It seeks to address the problem of pensioners by digitizing the
whole process of securing the life certificate. Every year in the month of November
the pensioners has to provide life certificates to the authorized pension disbursing
agencies like the bank, for continuous crediting of pension to their account. In order
to get this life certificates the individual drawing the pension is required to either
personally present himself / herself before the Pension Disbursing Agency or have a
Life Certificate issued by authority where they have served earlier and have it delivered
to the disbursing agency. It has been observed that it causes a lot of hardship and
unnecessary inconvenience particularly for the aged and infirm pensioners who can
not alas be in a position to present themselves in front of the particular authority to
secure their life certificate. In addition to this a number of pensioners decide to choose
to move to other countries either to be with their family or other reasons, and getting
a life certificate becomes a huge logistical issue.
(ii) “Jeevan Pramaan” aims to streamline the process of getting this certificate and
making it hassle free and much easier life for the pensioners. On introduction of this
system the pensioners need not physically present him / herself in front of the
disbursing agency or certification authority. He or she may submit life certificate from
home on his computer which will also be acceptable to bank.
(iii) Pensioners desirous of using the Jeevan Pramaan Facility has to first enroll their
Aadhaar number in their pension account. Once seeding has been completed,
pensioner can download the software from https://jeevanpramann.gov.in
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Pensioner’s information like Pension Aadhaar number, Pensioner Name, PPO

Number, Bank Account detail, Address, Mobile number etc. are fed into the
system through web based/client interface and finally pensioners personal
information are authenticated using the Aadhaar number and pensioner has to
put his finger on to the finger print scanner or eye on the Iris scanner.
(iv) After successful authentication of Pramaan ID, the transaction number is

displayed on the screen and same is sent to Pensioner’s mobile as SMS from the
portal. The portal generates Electronic Jeevan Pramaan for the successfully
authenticated pensioner and it is stored in the central life Certificate Repository
Database. The disbursing Bank can access and get the Jeevan Pramaan Certificate
from the portal for his pensioners through the electronic data transfer mechanism
created between the portal and bank server.
(v) Pensioner has to inform the Bank that his Jeevan Pramaan has been generated
through online registration from Jeevan Pramaan Portal.
50. Bhavishya – Pension Sanction & Payment Tracking system
To ensure payment of all retirement dues and delivery of Pension Payment Order
(PPO) to retiring employees on the day of retirement itself, Department of Pension &
Pensioners’ Welfare has launched an online Pension Sanction & Payment Tracking
System called ‘BHAVISHYA. The system provides for on-line tracking of pension
sanction and payment process by the individual as well as the administrative
authorities. The system captures the pensioners personal and service particulars. The
forms for processing of pension can be submitted online. It keeps retiring employees
informed of the progress of pension sanction process through SMS/E-Mail. The
system obviates delays in payment of pension by ensuring complete transparency.
Bhavishya Portal is connected thorough its website https://bhavishya.nic.in . Retiree

receive login id and password through E-mail and SMS automatically. DDO & HOO
has to get registered on Bhavishya for login id and password. Retiree does not need
to register online in ‘Bhavishya’. His/her details need to be added by DDO/HOO. As
soon as DDO/HOO add retiree’s detail in ‘Bhavishya’ his/her login details will be sent
through SMS and email to the retiring employee. Email-Id must be official, Preferably
Post/Designation based and accessible from https://mail.gov.in or https://email.gov.in
51. Medical Facility Available To Pensioners
(i) In case the pensioners are using the CGHS facility then they are entitled to continue
to seek treatment from selected dispensary for treatment by depositing a lump sum
amount at the time of retirement according to their pay.
(ii) Where the pensioner is residing in areas not covered by CGHS, and if they are not
using CGHS facility for OPD treatment from a CGHS dispensary in the nearest city,
then they are entitled for fixed medical allowance @ Rs.1000/- p.m. (w.e.f. 1.7.2017).
This will be drawn on the basis the form for availing medical facilities under CGHS or
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Fixed Medical Allowance and an undertaking in the prescribed format given by the
pensioner.
52. Deposit Linked Insurance Scheme
Under the GPF Rules, on the death of subscriber, the person entitled to receive the
amount standing to the credit of the subscriber shall be paid an additional amount
equal to the average balance in the account during the 3 years immediately preceding
the death of the subscriber subject to certain conditions provided in the relevant Rule.
The additional amount payable under that Rule shall not exceed Rs. 60,000/-. To get
this benefit, the subscriber should have put in at least 5 years service at the time of
his/her death.
53. NEW PENSION SCHEME (NPS)

GoI has introduced a new ‘Defined Contribution Pension Scheme’ (replacing the
earlier existing system of ‘Defined Benefit Pension System’) vide Govt. Notification
dated 22 Dec 2003. The scheme is called ‘New Pension Scheme’ (NPS). The NPS is
applicable for all government employees except the three defence forces. The existing
provisions of Defined Benefit Pension and GPF would not be available to new
Government servants joining Government service on or after 01 Jan 2004.
The new pension scheme will work on defined contribution basis and will have
two tiers, Tier – I and Tier-II (Pension Account) and Tier II (Savings Account) will be
pure retirement savings products, the only distinction being Tier- I is a non-
withdrawable account while Tier – II is a withdrawable account to meet financial
contingencies. Contribution to Tier-I is mandatory for all Government servants joining
Government service on or after 01 Jan 2004, whereas Tier-II will be optional and at
the discretion of Government servants.
No deductions will be made towards GPF contribution from the Government
servants joining the service on or after 01 Jan 2004 as the GPF scheme is not
applicable to them.
Applicability of the scheme will serve to provide additional relief to who are
discharged on invalidation / disablement and by the families of such employees who
have died during service since 01 Jan 2004. The pension and Gratuity will be
applicable in accordance with CCS (Pension) Rules, 1972 for those personnel who
joined service on or after 01 Jan 2004 on provisional basis.
With effect from 1.4.2019, the monthly contribution would be 10% of the basic
pay plus DA to be paid by the employee and 14% of the basic pay plus DA by the
Central Government. Recovery will commence from the month of joining the
Government service. Other features are
i. Choice of pension fund: Subscribers are allowed to choose any one of the
pension funds including private sector pension funds. They can change
their option once in a year. Current provision of combination of public sector
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pension funds will be available as the default option for both existing as well
as new Government subscribers.
ii. Default scheme as per the existing practice of allocation of funds by PFRDA
among the 3 PSU fund managers may continue.
iii. Employees who prefer a fixed return with minimum amount of risk may be
given an option to invest 100% of the funds in Government Securities
(Scheme G)
iv. Employees who prefer higher returns have two options of Life Cycle based
schemes – LC- 25 Conservative Life Cycle Fund with maximum exposure
to equity capped at 25% - second, LC-50 Moderate Life Cycle Fund with
maximum exposure to equity capped at 50%.
v. During suspension, the subscriber need not pay any contribution.
vi. During HPL, subscription based on leave salary.
vii. EOL on medical grounds – no contribution either by employee or
Government.
viii. PPAN (Permanent Pension Account Number) – 16 digit unique number is
allotted by the PAOs.
ix. A partial withdrawal not exceeding 25% of accumulated pension wealth of
the employee’s contribution is admissible for purposes like
education/marriage of children, purchase/construction of residence, medical
treatment etc.
x. Contributions & investment returns to be kept in non-withdrawal Pension
Account
xi. Exit from Scheme on attaining 60 yrs of age
xii. Mandatory to invest 40% of pension wealth in an annuity (from an IRDA
regulated Life Insurance company) to provide pension for lifetime of
employee & his dependent parents /spouse
xiii. In case of earlier exit before 60 yrs of age, 80% of Pension wealth
mandatory for investment
xiv. Interest for accumulations at the rate prescribed by Govt.
xv. Individuals will get an Annual Statement containing the details of monthly
contribution, Govt.’s contribution and interest earned.
xvi. GSs covered by New Pension Scheme & who are discharged on
invalidation/disablement /died during service since 1.1.2004 are entitled to
following on provisional basis – Invalid Pension, Retirement Gratuity, Family
Pension, Death Gratuity, Disability Pension, Extraordinary Family Pension
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xvii. Dearness Relief is admissible on provisional basis

xviii. Provisional payments are adjustable against future payments under New
Pension Scheme
PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY (PFRDA)

PFRDA was established by Govt of India on 23rd Aug 2003. The Govt has
through an executive order dated 10th Oct 2003, mandated PFRDA to act as a
regulator for the pension sector. The mandate of PFRDA is development and
regulation of pension sector in India.
EXPANSION OF NPS
NPS, which was made mandatory to Govt employees wef 01 Apr 2004, has been
made available to every citizen from 1st April 2009 on a voluntary basis. The NPS
architecture is transparent and will be web-enabled. It would allow a subscriber to
monitor his/her investments and returns under NPS, the choice of Pension Fund
Manager and the investment option would also rest with the subscriber. The design
allows the subscriber to switch his/her investment options as well as pension funds.
The facility for seamless portability and switch between PFMs is designed to
enable subscribers to maintain a single pension account throughout their saving
period.
CCS (IMPLEMENTATION OF NATIONAL PENSION SYSTEM ) RULES, 2021
were notified on 30.03.2021 for regulating service related matters for Central
Government employees covered under NPS.
Applicability: The Rules shall be applicable to the Government servants,
including civilian Government servants in the Defence Services and shall not
apply to Railway servants; persons in casual and daily rated employment; persons
paid from contingencies; members of the All India Services; persons locally
recruited for services in diplomatic, consular or other Indian establishments in
foreign countries; persons employed on contract; persons whose terms and
conditions of service are regulated by or under the provisions of the Constitution
or any other law for the time being in force; and persons to whom the Central Civil
Services (Pension) Rules, 1972 apply in accordance with any special or general
order issued by the Government.
Registration to NPS and Emoluments: Rule 4 of the Rules discusses the steps
for registration into National Pension System by a government servant upon joining
the service, through filling out a Common Subscriber form or as directed by the
concerned authority. Rule 5 states the emoluments for the purpose of determining
the amount of mandatory contribution under the National Pension System.
Contribution by the Subscriber to the National Pension System: The National
Pension System shall work on defined contribution basis. A Subscriber shall make
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a contribution of ten per cent or such other percentage as may be notified from
time to time, of his emoluments to the National Pension System every month. The
amount of contribution payable shall be rounded off to the next higher rupee.
Contribution by the Government: The Government shall make contribution of
fourteen per cent or such other percentage as may be notified from time to time,
of the emoluments of a Government servant to the Individual Pension Account of
the Subscriber every month.
Retirement: Rules 11 and 12 discusses the regulations and procedure to be
followed upon retirement of an individual on superannuation or after completion of
twenty years of regular service, respectively.
Retirement under rule 56 of fundamental rules or under the special voluntary
retirement scheme shall be entitled to benefits as admissible under the Pension
Fund Regulatory and Development Authority ( Exits and Withdrawals under
National Pension System) Regulations, 2015 to the Subscriber retiring on
superannuation, provided that Subscriber who on being declared surplus to the
establishment in which he was serving, opts for Special Voluntary Retirement
Scheme of Department of Personnel and Training, shall also be entitled to the ex-
gratia admissible under the Scheme in addition to benefits admissible under the
Pension Fund Regulatory and Development Authority ( Exits and Withdrawals
under National Pension System) Regulations, 2015.
Resignation from Government service: On resignation from a Government
service, the lump sum and the annuity out of the individual’s accumulated pension
corpus shall be paid to him in accordance with the regulations notified by the
Authority as admissible in the case of exit of individual from the National Pension
System before superannuation.
Benefit on absorption in or under a corporation, company or body shall be
deemed to have retired from service from the date of such absorption and shall be
eligible to receive benefits under the National Pension System in accordance with
the Pension Fund Regulatory and Development Authority (Exits and Withdrawals
under National Pension System) Regulations, 2015 as admissible in the case of
exit of Subscriber on superannuation.
Seeking options in the prescribed Form I & II under the Rule 10 of CCS
(Implementation of NPS) Rules, 2021 (DoE OM dt. 31.5.2021)
As per Rule 10 of CCS (Implementation of NPS), Rules, 2021, GSs covered
under NPS, at the time of joining service, exercise an option in Form I for
availing benefits under the NPS or under the CCS (Pension) Rules, 1972 or the
CCS (Extraordinary Pension), Rules 1939 in case of his death or discharge on
invalidation or disability of government servant/subscriber during service. Those
who are already in Government service and are covered by the NPS, shall also
exercise such option as soon as possible after the notification of these rules. They
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also need to furnish the details of family in Form 2 to the Head of Office alongwith
Form 1 for record and onward submission to Central Record Keeping Agency.
Central Civil Services (Payment of Gratuity under National Pension System)
Rules, 2021 (DoPPW notification dt. 23.9.2021)
These rules will apply to the government employees including civilian government
employees in the Defence Services who have joined on or after January 1, 2004.
Provided that in the case of a Government servant who dies during service or is
boarded out on account of disablement or retires on invalidation and who had
exercised an option under rule 10 of the Central Civil Services Implementation of
National Pension System Rules, 2021 for availing benefits under the Central Civil
Services (Pension) Rules, 1972 or the Central Civil Services (Extraordinary
Pension) Rules, 1939, payment of gratuity shall be made in accordance with the
said rules.
Any claim to gratuity shall be regulated by the provisions of these rules in force at
the time when a Government servant retired or is retired or is discharged or is
allowed to resign from service or dies, as the case may be. The day on which a
Government servant retired or is retired or is discharged or is allowed to resign
from service, as the case may be, shall be treated as his last working day and the
date of death of a Government servant shall also be treated as a working day.
Retirement gratuity or death gratuity A Government servant, who has completed
five years' qualifying service and who: (i) retires on attaining the age of
superannuation, or on invalidation, or (ii) retires or is retired, in advance of the age
of superannuation in accordance with rule 56 of the Fundamental Rules, 1922 or
rule 12 of the Central Civil Services (Implementation of National Pension System)
Rules, 2021; or (iii) on being declared surplus to the establishment in which he was
serving, opts for Special Voluntary Retirement Scheme relating to voluntary
retirement of surplus employees; or (iv) on has been permitted to be absorbed in
service or post in or under a Corporation or Company wholly or substantially owned
or controlled by the Central Government or a State Government or in or under a
body controlled or financed by the Central Government or a State Government,
shall, on his retirement, be granted retirement gratuity equal to one-fourth of
his emoluments for each completed six monthly periods of qualifying
service, subject to a maximum of 16½ times the emoluments. Where a
Government servant dies while in service, the death gratuity shall be payable to
his family in the manner indicated in sub-rule (1) of rule 24 at the rates given in two
times of emoluments for qualifying service of less than one year, six times
of emoluments for qualifying service of 1 year or more but less than five
years, twelve times of emoluments for qualifying service of 5 years or more
but less than eleven years, twenty times of emoluments for qualifying service
of eleven years or more but less than twenty years, and half of the
emoluments for every completed six monthly periods of qualifying service
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subject to a maximum of thirty-three times of emoluments for qualifying

service of twenty years or more.
Benefits available in the case of death of a Central Government Employee
covered under National Pension System during service
(i) Family pension under CCS(Pension) Rules, 1972 as per option exercised by
Government servant or default option or
In case, Government servant has opted for benefits under NPS, family would get
benefits from his accumulated pension wealth under NPS.
(ii) Death Gratuity
(iii) Leave Encashment
(iv) Benefits from CGEGIS,
(v) CGHS facilities
* In case the GS could not furnish his option, there is default option of benefit under
old pension scheme for first 15 years of service and thereafter, default option would
be benefits under NPS. At present default option of old pension scheme is in vogue
till March, 2024 in accordance with these rules even if Government Employee has
completed 15 years of service.
• As per rule 20 of CCS (Implementation of NPS) Rules, 2021, if the Government

servant had opted for benefits under old pension scheme (or if no option was
exercised, then default option applicable in his case) the concerned office would
take action to sanction family pension to eligible member(s) of the family of the
deceased Government servant, as done for Government servants covered under
old pension scheme (i.e. as applicable to those joined service before 01.01.2004)
• Simultaneously, they would start process to close PRAN under NPS of the
Government servant and Government contribution (and return thereon) would be
transferred into the Government account. Remaining amount would be paid to the
nominee or legal heir as per PFRDA regulations in lump sum.
• However, those Government servants who had opted for benefits from NPS in
the event of their death or if no option exercised, then in whose case default option
is benefits under NPS, concerned office would take action to close PRAN under
NPS of the deceased Government servant and grant benefits of lump sum
(maximum of 20% of accumulated pension wealth) and annuity from the remaining
pension wealth to eligible member from annuity service provider registered with
PFRDA in accordance with PFRDA (Exits and Withdrawals under NPS)
Regulations, 2015.
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• Other benefits viz. Death gratuity, leave encashment, CGEGIS and CGHS would
be available in both the cases
54. CHILDREN EDUCATION ALLOWANCE
(DoPT OM dt. 16.7.2018)
If a GS dies while in service, CEA or hotel subsidy shall be admissible in respect
of his/her children subject to other conditions provided the wife/husband of the
deceased is not employed in service of Central/State Government, Autonomous
body, PSU or Semi Govt. organisation such as Municipality etc. In such cases this
subsidy is payable till such time the employee would have actually received
the same. The payment is made by the office in which the GS was working prior
to his death.
In case of retirement, discharge, dismissal or removal from service, CEA/Hostel
subsidy is admissible till the end of the academic year in which the GS ceased to
be in service. The payment is made by the office from which the GS retired etc.
55. Calculation of Gratuity and Cash payment in lieu of Leave for Central
Government employees retired during the period from January, 2020 to June,
2021(DoPT OM dt. 5.9.2021)
Keeping in view that gratuity and cash payment in lieu of leave are one-time retirement
benefits admissible to employees on retirement and employees who retired during the
period from 01.01.2020 to 30.06.2021 have been allowed lesser amount than what
would have been calculable, the matter has been considered sympathetically with a
view to allowing the same to such employees. Accordingly, the amount of DA to be
taken into account for calculation of gratuity and cash payment in lieu of leave will be
deemed to be 21%, 24% & 28% of the basic pay for those who retired during 1.1.2000
to 30.6.2000, 1.7.2000 to 31.12.2000 & 1.1.2021 to 30.6.2021 respectively.
56. Submission of Annual Life Certificate (DoPPW OM dt. 20.9.2021)
The different modes available to a pensioner for submission of Annual Life Certificate
are once again summarized for Pensioners’ awareness. An Annual Life Certificate can
be submitted manually or digitally as per convenience of the pensioner –
i. Life certificate can be recorded by Pension Disbursing Banks (PDAs), if the

pensioner physically appears before the PDA.
ii. Personal appearance of a pensioner will not be required, if the pensioner

submits the life certificate form signed by any ‘designated official.’
a. A person exercising the powers of a Magistrate under the Criminal Procedure
code;
b. A Registrar or Sub-Registrar appointed under Indian Registration Act;
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c. A Gazetted officer of the Government;

d. A Police Officer not below the rank of Sub-Inspector in-charge of a Police
Station;
e. A Postmaster, a departmental Sub-postmaster or an Inspector of Post
Offices:
f. A Class-I officer of the Reserve Bank of India,an officer (including Grade II
officer) of the State Bank of India or its subsidiary;
g. A Justice of Peace;
h. A Block Development Officer, Munsif, Tehsildar or NaibTehsildar;
i. A Head of Village Panchayat, Gram Panchayat, Gaon Panchayat or an
Executive Committee of a Village;
j. A Member of Parliament, of State legislatures or of legislatures of Union
Territory Governments/Administration
k. Treasury Officer.
In accordance with para 14.3 of the Scheme Booklet issued by CPAO, a pensioner
who produces a life certificate in the prescribed form signed by persons specified
is exempted from personal appearance. A list of designated officials specified for
signing the Life Certificate as per the scheme booklet of CPAO is attached at
Annexure.
iii. Pensioners can submit Life Certificate online from home through Jeevan Pramaan
Portal.
iv. India Post Payments Bank(IPPB) of Department of Posts along with Meity have
successfully launched the initiative of the Department of Pension & Pensioners’
Welfare: “Doorstep Service for submission of Digital Life Certificate through
Postman” in November 2020. In order to make this facility available across the
country, DoPPW roped in the India Post Payments Bank (IPPB) to utilize its huge
network of Postmen and Gramin Dak Sevaks in providing doorstep facility to
pensioners for submission of life certificate digitally. IPPB is utilizing its national
network of more than 1,36,000 access points in Post Offices and more than 1,89,000
Postmen &Gramin Dak Sevaks with smart phones and biometric devices to provide
Doorstep Banking Services. For leveraging this facility through Mobile, a pensioner
has to download “Postinfo APP” from Google Play store. The process of
submission of Digital Life Certificate through Postman may be seen at
https://youtu.be/cERwM_U7g54.
v. DoPPW was also instrumental in roping in an Alliance comprising 12 Public Sector

Banks which do “Doorstep Banking” for its customers in 100 major cities of the
country under Ease of banking reforms. PSB Alliance has introduced the service for
collection of Life Certificates under the umbrella of Doorstep Banking. DSB Agent shall
visit the doorstep of Pensioner to render the service. Service can be booked by the
pensioner through any of the 3 channels i.e. Mobile App, Website or Toll Free Number.
Page 48 of 48

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2. The Normal Retirement Benefits

i. Pension: Pension is a stated allowance or stipend granted in consideration of

iv. Commutation of Pension: A lump sum payment in lieu of portion of pension,

v. Encashment of Earned Leave: Cash equivalent of leave salary admissible for

vi. Group Insurance Scheme (CGEGIS): Accumulations in the Savings Fund

vii. General Provident Fund: Accumulations in the fund inclusive of interest

A subscriber, at the time of joining the Fund is required to make a nomination

ix. Travelling Allowance: At par as admissible on transfer, to the intended place

x. Medical Facility available after retirement: Benefits covered under CGHS is

3. Benefits admissible to family on Death of GS

ii. Family Pension/Enhanced Family Pension

iv. TA to family to intended place of residence.

v. Benefits under Deposit Linked Insurance Scheme available in GPF Rules.

4. Commercial employment after retirement

If a Group A Officer is granted permission to take up commercial employment

Commercial employment means an employment in any capacity including that

5. Applicability of CCS (Pension) Rules, 1972

6. Eligibility for Pension

(i) The Govt. Servant must be confirmed in any post,

7. Principles/conditions underlying pension

i. Service should be under the Government.

Pension is calculated at 50% of the average emoluments or last

ii. Retiring Pension (Rule 36(a)

January to March July to September of the same year

Constitution of Internal Committee to assist the Review Committee :- In addition to

Important judgements of Supreme Court

iii. Invalid Pension

Compassionate appointment of dependants (DoPT OM dt. 16.1.2013 & 30.5.2013)

iv. Compensation Pension

v. Pension on absorption in Public Sector Undertakings

vii. Compulsory Retirement Pension

vii. Compassionate Allowance

A Government Servant with 10 years or more service gets Pension. In other

1. Pension =10 years or more qualifying service.

10. Basic Factors Governing Pension/Gratuity

1. The payment of Pensionary Benefits depends on the following: -

(i) Qualifying Service

2. Qualifying Service (QS)

(v) Periods spent on leave (R-21)

All leave with leave salary Counts as QS

a) With medical certificate

b) Without medical certificate Counts as QS

(vi) Unauthorized absence (overstay) in continuance of authorised leave of absence

(vii) Periods of suspension

11. How to calculate QS?

Years Months Days

• Rounding off of Qualifying Service

Fraction of a year Number of SMP

Emoluments and Average Emoluments

Emolument for Emolument for Gratuity Emolument for Family

Plus DA at the time of

1. Dearness Allowance is reckoned in calculation of ‘Emolument’ only for

2. Do not round off the AE.

14. Service Gratuity (In Lieu of Pension)

i. A lump-sum payment payable in lieu of pension.

i. Payable to the family of the deceased GS

For the purpose of death gratuity –

i. Payable to the family of the deceased GS