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UPS calculator, the only calculator you need, PF and Pension calculation

How to calculate benefit as per Unified pension Scheme (UPS) 

To fill the input values, you will require the following data. Source is hyperlinked

Average Basic pay at the time of retirement 

Dearness Relief (DR) (%) at the time of retirement 

Length of Service (in years): Age at the time of retirement  - Age at the time of joining

Individual corpus = Already accumulated corpus at retirement (Calculator 1) + Corpus to be accumulated from now onward up to retirement(Calculator 2

Benchmark Corpus (BC) (₹): As of now assume it is equal to  Individual corpus

Withdrawal at Superannuation (%): Max. 60% of Individual corpus can be withdrawn. 

Individual corpus means: Employee's (10% of Basic + DA) + Employer's combined contribution (10% of Basic + DA)

Individual Corpus (IC), Benchmark Corpus (BC) and Pooled Corpus (PC) are explained here as per Gazette notification. 

Now please calculate your 

Retirement corpus (Lump Sum Amount, Service Benefit), 

Pension (Admissible Monthly Assured Payout) and 

Withdrawal corpus (Withdrawal at Superannuation) 

as per the following calculator. 

Combined Service Benefit & Payout Calculator


Visit all in one NPS calculator here and decide between NPS vs UPS.

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