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Upon retirement from Government service, the Government offers various retirement benefits to its employees as a measure of social security for their old age. These include the following:

 1.     Pension

 2.     Gratuity

 3.     Commutation of Pension (Optional)  

Other dues which become payable upon retirement are:

  1. Lumpsum due out of Savings Fund under CGEGIS

  2. Leave Encashment

  3. GPF balance

As a would-be/existing pensioner you may like to know about:

1.     Admissibility and Quantum of retirement benefits:
      b.Retirement/Death Gratuity
      c. Commutation of pension
      d. Encashment of Earned Leave
      e. GPF  

2. Family Pension
3. New pension scheme
4. Medical Facilities

Note: Information as on 01/07/2011

The Office of CCA Haryana is not responsible for any typing errors on this page.

This page is maintained and updated by CAO(Pension) Shri Sukant Gupta

For more information on this subject you may visit

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Admissibility and Quantum

 a. Pension:

Pension is admissible to permanent employees who retire with a qualifying service of not less than ten years. Temporary employees who retire on superannuation or invalidation after rendering not less than ten years of service or retire voluntarily after 20 years continuous service are also eligible for pension.

In case of the Government employees retiring on or after 1.4.2004, the minimum amount of pension will be Rs. 1913 p.m. and maximum will be 50% of the highest pay plus Dearness Pay in Government.

Amount of pension is related to the length of qualifying service and average of ‘emoluments’ (Basic Pay+ Dearness Pay+ Stagnation Increment + Non-practising Allowance) drawn during ten months immediately preceding the date of retirement. Full pension is admissible to an employee with qualifying service of not less than thirty-three years. The amount of pension will be 50 % of the average emoluments and should not be less than 50% of the minimum of the pay scale held at the time of retirement. Employees having lesser qualifying service (but not less than ten years) will get pension proportionate to the amount admissible for qualifying service of thirty-three years, subject to a minimum of Rs. 1913 p.m.


Average Emoluments = Rs. 12,975.

Qualifying service     = 32 years.

Pension for 33 years of qualifying service:

50% of (‘average emoluments’) Rs. 12,975 = Rs 6,487.50

Pension for 32 years of qualifying service:

Rs. 6,487.50 x 32/33 = Rs. 6290.90 = 6291 p.m. (rounded off to the next higher rupee)


b. Retirement/Death Gratuity:

(a) Retirement Gratuity is admissible to all employees who retire after completion of 5 years of qualifying service at the rate of ‘one-fourth of emoluments for each completed six monthly period of qualifying service subject to maximum of 16 1/2 times’ the emoluments’ or Rs. 3.50 lakh, whichever is less. Emoluments for the purpose of gratuity means: basic pay, stagnation increment, dearness pay, non-practising allowance and dearness allowance on the date of cessation of service.


Qualifying service    = 32 1/2 years or 65 six monthly periods.

Emoluments              = Rs. 18150

Gratuity = 18150 x 1/4   x 65 = 294937.50 = Rs. 2,94,938 (rounded off)


(b) Death Gratuity is paid to the family of a Govt. servant who dies while in service, at the rates given below:

Length of qualifying service

Rate of death gratuity

(i) Less than 1 year

2 times of emoluments.

(ii) one year or more but less than 5 years

6 times of emoluments.

(iii) 5 years or more but less than 20 years

12 times of emoluments.

(iv) 20 years or more

Half of emoluments for every completed six-monthly period of qualifying service subject to a maximum of 33 times of emoluments.

c. Commutation of Pension:

 Eligibility:- Every pensioner is eligible to commute a portion of his monthly pension for a lumpsum payment which is the commuted value of that portion of pension. An employee or pensioner against whom departmental or judicial proceedings are pending is not eligible to commute a portion of his pension till completion of such proceedings.

Amount admissible:- Not exceeding 40% of monthly pension. Any fraction in the amount offered for commutation will be ignored; e.g. if the monthly pension is Rs. 1913 then the maximum amount admissible for commutation is:

Rs. 1913 x 40/100 = 765.20 = Rs. 765 only.

Commutation Amount is calculated w.r.t the Commutation factor taken from Commutation Table as relevant to the age next birthday.

The formula for working out the lumpsum payable is as follows.

 Amount of pension offered for Commutation x 12 x Commutation factor.


 Amount of pension offered for Commutation = Rs. 765

Age next birthday                                         = 61 years

Commutation Factor                                      = 9.81

Lumpsum Payable  = 765 x 12 x 9.81 = 90055.80 = Rs. 90,056 (rounded off)

 The reduction in the amount of pension on commutation will become operative from the date of receipt of the commuted value by the pensioner, or at the end of three months after the issue of authority for payment, whichever is earlier. The restoration of the commuted portion of pension will be admissible on completion of 15 years, for which the pensioner should apply to the pension disbursing authority i.e., Post office / Bank in the prescribed proforma.

NOTE: The Government of India, vide Ministry of Finance Notification F. No. 5/72003-ECB&PR dated 22.12.2003 promulgated the New Pension Scheme which became operational with effect from 1.1.2004. The scheme is applicable and mandatory for all new recruits to the Central Government service (except the armed forces services at the first stage) joining service on or after 1.1.2004. Details of the scheme are available here.


d. Encashment of Earned leave.

 Lump sum cash equivalent of leave salary admissible for the number of days of earned leave at the credit of the employee on the last day of his service, subject to a maximum of 300 days including the number of days for which encashment was availed along with LTC, is granted by the authority competent to sanction leave. The amount of leave encashment payable is worked out in the following manner.

Pay+DP+DA admissible on the date of cessation of service   x No. of days of EL at credit



Date of Retirement = 31.10.2005

EL at credit             = 300 days

Basic Pay                 = Rs. 10000

DP                           = 50%

DA                          = 21%

Lumpsum admissible = (10000+5000+3150)x300    = Rs. 181500.                                   30


e. General Provident Fund:

The amount standing to to the credit shall become payable when the subscriber –

1. quits service;

2. is dismissed/removed from service;

3. proceeds on leave preparatory to retirement

4. retires from service/permitted to retire or declared by a Competent Medical Authority to be unfit for further service.


GPF subscription is to be compulsorily discontinued during the last 3 months of service on superannuation.

f. Benefits payable under CGEGIS:

   On retirement the employee will be paid as per the Table of benefits –

       (i) lumpsum due to his out of the Savings Fund for entire period of membership in the lowest group; and

       (ii) amount due to him for the additional units by which subscription was raised due to promotion – for the period from which the rate was raised, to the date of cessation of membership.





2. Family Pension 

Family pension is payable to the family of an employee/pensioner on his death in service/after retirement. 

    1.     Normal rate of family pension:-- The monthly family pension is based on the ‘pay’ (Basic pay + DP + SI + NPA) drawn on the date of death or on the date of retirement, as the case may be, and is admissible at a uniform rate of 30% of pay last drawn, subject to a minimum of Rs. 1913 p.m.

     2.     Higher rate of family pension:-- A higher rate of family pension is admissible (except in case of dependent parents), if the deceased had rendered not less than seven years’ of service. It is payable from the date following the date of death, for a  period of seven years or up to the date o which he would have attained the age of 65 years (67 years if his age of superannuation is 60 years) had survived, whichever is less. The rates are—

(a)           In case of death in service:

1 1/2   times the normal rate of family pension, if compensation under Workmen’s Compensation Act is also paid; and

50% 0f the ‘pay’ last drawn in other cases.

(b)            In the case of death after retirement:

50% 0f the ‘pay’ last drawn at the time of retirement


The amount of pension authorized on retirement whichever is less.

Period for which the family pension is payable to—

(a) Widow or Widower

Till date of remarriage or  death,    whichever is earlier.

(b)Unmarried son/daughter/ widowed/divorced daughter


Till date of marriage/remarriage or date of attaining the age of 25 years or starts earning more than Rs. 2550 p.m.  death,    whichever is earlier.

(c) Son(s) suffering from disorder or disability of mind or physically crippled.

For life or till he starts earning more than Rs 2550 p.m.

(d) Daughter(s) including widowed/divorced daughter(s)  suffering from disorder or disability of mind or physically crippled.

For life or till she gets married or till she starts earning more than Rs 2550 p.m.

(e) Dependent parent(s)

Till death or starts earning more than Rs 2550 p.m.


                                                                  All Central Government pensioners / family pensioners (except Railways/Armed Forces pensioners / family pensioners)  who were eligible for taking treatment under the Central Government Health Scheme (CGHS) while in service are eligible for availing CGHS facilities after retirement, irrespective of whether they were or were not availing CGHS facilities while in service. It is not necessary that these pensioners / family pensioners should be living in the areas covered under the CGHS.  

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2.Medical Facilities               

The Scheme is available at present at the following cities as notified by Government:-  

Ahmedabad                   Gurgaon            Meerut
Guwahati           Mumbai
Banglore                        Hyderabad         Nagpur
Bhopal                           Jaipur                Noida
Chandigarh                   Jabalpur             Patna
Chennai                         Kanpur              Pune
Delhi/New Delhi            Kolkata              Shillong
Faridabad                       Lucknow            Thiruvananthapuram

Family pensioners can avail CGHS facilities only for the dependents of the deceased CGHS beneficiary. The pensioners / family pensioners have the option to get their names registered with any of the CGHS dispensaries in the above mentioned cities. They should make an application in the prescribed pro forma to the Additional Director, CGHS concerned stationed in the above cities who will issue CGHS identity card.


Pensioners who are residing in areas not covered under the CGHS are entitled for getting a monthly medical allowance of Rs.100/- which will be authorised by the Pension sanctioning authority on the basis of an undertaking from the retiree and a certificate from the CGHS authorities that the area concerned is not covered under CGHS.

For Orders relating to Medical Allowance for Pensioners please click on concerned letter:

1) No.45/57/97-P&PW(C) dated 19.12.97

2) No.45/57/97-P&PW(C) dated 12.6.98

3) No.45/57/97-P&PW(C) dated 18.6.99



However, this medical allowance will not be authorised for pensioners who are availing the medical benefits under BSNL MRS or any other similar scheme.

For Orders relating to BSNL MRS please Click on the concerned letter.

1) No.BSNL/ADMN./1 Dated 28.2.2003 -- Medical policy for BSNL Employees.

2) No. BSNL/ADMN.I/1 Dated 3.6.2004 -- BSNL MRS - Amendments/Clarifications regarding.

3) No. BSNL/ADMN.I/1(Pt.) Dated 24.9.2004 -- Guidelines for the implementation of BSNLMRS.