How to Calculate Pension and Commute?

Calculation of Pension

The calculation of Pension and Commute is very simple. An employee can calculate his/her pension and commute himself/herself. The main things in pension calculation are basic pay and total service at the time of retirement. The formula for pension calculation is as under:

Gross Pension = Basic Pay x Service (Maximum 30 years) x 70/3000

If you don’t want to calculate the pension and commute manually, then you can simply use the Pension Calculator 2019-20 and this calculator is updated every year just after 1st May after the revision of pay scales or increase in pension and adhoc allowance.

 

Basic Pay

The basic pay is taken the pay at the time of retirement the individual is drawing. If an employee retires from service on 1st June or after it then 1x Usual Increment is added in his/her basic pay for the pension purpose only. If an employee is drawing PP (Personal Pay), it is also included in his/her basic pay. Same is the case with Special Pay.

Service

The maximum length of service for the pension purpose is 30 years. If an employee has a service more than 30 years then only 30 years service is considered for the pension purpose.

Ordinary Pension

Here is to mention that 65 % of the Gross Pension is taken as Ordinary Pension and the remaining 35 % is taken for the Commute purpose.

Ordinary Pension = Gross Pension x 65 %

Calculation of Commute

Use the following formula for the calculation of commute.

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Commute = 35 % of Gross Pension x 12 x Age Rate

 

Don’t Forget:  Calculate Pension & Commute in Just 5 Seconds by Calculator

 

Age Rates

Age rates according to the Revised Pay Scale 2001 are as under:

 

 

Age Next Birthday No. of Years Purchased
20 40.5043
21 39.7341
22 38.9653
23 38.1974
24 37.4307
25 36.6651
26 35.9006
27 35.1372
28 34.3750
29 33.6143
30 32.8071
31 32.0974
32 31.3412
33 30.5869
34 29.8343
35 29.0841
36 28.3362
37 27.5908
38 26.8482
39 26.1009
40 25.3728
41 24.6406
42 23.9126
43 23.1840
44 22.4713
45 21.7592
46 21.0538
47 20.3555
48 19.6653
49 18.9841
50 18.3129
51 17.6526
52 17.0050
53 16.3710
54 15.7517
55 15.1478
56 14.5602
57 13.9888
58 13.4340
59 12.8953
60 12.3719
61 11.8632
62 11.3684
63 10.8872
64 10.4191
65 09.9639
66 09.5214
67 09.0914
68 08.6742
69 08.2697
70 07.8778
71 07.4983
72 07.1314
73 06.7766
74 06.4342
75 06.1039
76 05.7858
77 05.4797
78 05.1854
79 04.9030
80 04.6321

Commute Pension Calculation Formula

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342 thoughts on “How to Calculate Pension and Commute?

  1. Madam Shumaila please guide me about my pension and commutation and minimum pension.
    DOB= 06-06-1961
    DOA= 14-10-2009
    DOR= 05-06-2021
    LBP Rs.20490/-
    Qualifying Service is 12 years.
    Age 60 years
    BPS 11
    Mam please tell me what will be my pension and how can i get minimum pension benefit.

    Reply
  2. Respected Madam, i m working as Teacher BPS-19 in Cadet College which follows Sindh Govt Rules. my request is that i wish get early retirement. therefore, kindly tell me about my pension and rest benefits. my particulars are as under:

    Associate Professor BPS 19
    Date of Birth: 02-02-1971
    Date of Appointment: 15-01-2001
    Date of Retirement: 15-01-2024
    current Basic Pay: 89710
    Last Basic Pay: Rs.104710 till 2024
    Usual Increment: Rs. 3005
    Total: Rs. 23250

    Reply
  3. Sir, It is submitted that voluntarily I retired on Retiring Pension after completing 26 years of service at the age of 51 years.I have completed 22 years of my retirement.
    Kindly let me know if I am eligible to apply for restoration of my Pension after 22 years of drawing my pension.
    My relevant particulars are given below ;-

    Department ; Pakistan post Office
    Date of Birth ; 20-06-1047
    Date of Retirement; 19-06-1998
    Length of Service ; 26 Years
    Class of Pension ; Retiring
    BPS ; 17
    Gross Pension Calculated ; Rs. 4051.00
    Commuted Portion ; Rs. 2025.50
    Net Pension Payable monthly ; Rs. 2025.50
    Commutation Calculated ; Rs.536331.33
    Present Monthly Pension ; Rs. 29540.00

    Reply
  4. Dear Mam!

    If a person serve less than 1 year in previous organization as regular service and join another appoint through proper channel, his/her previous service less than one year (i.e on probation) can counted towards pension contribution or not? please guide me with rule reference.

    Regards
    Muhammad Arif

    Reply
    1. if a person dies after retirement before getting pension then his family pension will be calculated with 25 & 75 % or with the ratio 35 & 65 % please?

      Reply
  5. AOA MADAM. If I donot take commutation than what will be my total pension??

    date of birth 15.09.65
    date of appointment 16.11.85
    date of retirement 1.7.2020
    basic pay 36000/-

    Reply
  6. AOA. MADAM . if i do not want to take commutation then what will be my total pension ???

    DOB : 15-09-1965
    DATE OF APPOINTMENT :16-11-1985
    DATE OF RETIREMENT :05-07-2020
    BASIC PAY :36000/-

    Reply
  7. Manzur Hussain khan · Edit

    I retired from wapda on 3-8-2007 .My salary was Rs.35030.00 in BPS 19. kindl calculate my yearl pension upto 1-7-2017 and commutation.

    Reply
  8. my faTher waS was lesco employe. died during service.
    BPS 9
    DOB 12 SEPTEMBER 1958
    Date of joining 15 oct 1979
    date of death 2 sep 2017
    and basic pay is 30750

    Reply
  9. Dear,

    I have served in private limited firm and my monthly contribution was sent to EOBI till June,2017.
    My service period with this firm was almost eleven years. Can I eligible to get pension through EOBI.

    Regards.
    Tauqeer Akhtar.

    Reply
  10. Mahar Shahid dear sir I am searving at Fed govt BPS.09 DOB.20.05.70. DOA.01.11.90. DOR.01.07.18. Plz tell me obout net pension and commutation.

    Reply
  11. i have already three time requested but still no reply. this is last time request pl inform my pension an commute
    federal govt employee
    grade 16
    current basic pay 55390
    date of birth 20-03-1961
    date of appointment 05-02-1986
    date of retirement 01-07-2018

    Reply
    1. Dear K Aziz the estimated details of you rpension and commute are as under, as there will be further change in pension, pay and commute with effect from 01-07-2018:
      Gross Pension 39837.00
      65% Pesnion 25894.05
      35% Pension 13942.95
      Commute 2247715.08
      Pension without Medical 38733.94
      Medical 6473.51
      Net Home Take Pension 45207.45

      Reply
  12. federal govt employees scale 16 basic pay 55390 total service 31 years date of appointment 05-02-1986 date of birth 20-03-1961
    pl inform net pension and commute

    Reply
  13. pl inform urgently pension an graguity ;
    federal govt employees
    grade – 16
    basic pay 53870
    service 31 years
    date of birth 20-03-1961
    date of enrollment 05-02-1986

    Reply
  14. pl inform me urgently my pension and commutation as per following criteria ;
    serving federal govt of pakistan
    current basic pay ; 53870
    date of birth ; 20-03-1961
    current age ; 57 years
    grade ; BPS – 16
    total service ; 31 years
    date of enrolment ; 05-02-1986

    Reply
  15. Dear SIr,

    My father retired on 16.01.1987. Date of birth 09.01.1941, The Gross Pension was 1167, half commuted 538,residual 538, Date of death 31.03.2016. Pension restored on 16.01.2012. Last drawn pension 17,385, now ordinary family pension calculated by the relevant Sub Pension Office is Rs.7888/- (45%) of last drawn pension of the deceased. My question is, whether the said office rightly calculated the pension, 75% Pension as per OM of Finance Division dated 5.07.2010 be calculate on gross pension i.e 1167 or net pension 538, and whether annual increment net pension only or at the rate of Gross Pension

    Kindly help me

    Thanks

    Sadiq Nawaz
    0331-5094639

    Reply
      1. Can you explain the procedure how to calculate the pension of a pensioner who did not opt pay scale of 2001 and the accepted 1994 payscale.

        Reply
  16. Dear Salam … i need help
    My father is in education department sindh
    SO plz tell me commite and pensio n

    Basic pay 82500
    Lenght of service 31 years

    Reply
  17. AOA. I was upgraded from Dispensar bs-6 to pharmacy tech. Bs-12 on 24-11-2011. My pay was refixed as under. Pay on 23-11-2011 in bs-6=13140 pay on 24-11-2011 in bs-12=13500 next increment due on 1-12-2012. My query is wether one premature increment was granted in said refixation or not if not how my pay was to be refixed. Pl guide early as my pension case is in due process.Regards

    Reply
  18. AOA. I was upgraded from Dispensar bs-6 to pharmacy tech. Bs-12 on 24-11-2011. My pay as refixation was as under. Pay on 23-11-2011 in bs-6=13140 pay on 24-11-2011 in bs-12=13500 next increment due on 1-12-2012. My query is wether one premature increment was granted or not according to above refixation if not how should my pay was to be refined. Pl guide early as my pension case is in due process.Regards

    Reply
  19. AoA
    I apply disable pension through medical board
    DOB 11_4_1982
    Date of appointment 10_2_2007
    Bps 7
    Basic pay 12790 (punjab police)
    Kitne pension ho gae or commute kitna mile ga

    Reply
  20. Dear mam,
    What is the difference of
    Net pension without allowances and with allowances
    What are these allowances which are added in net 65% pension to take home pension??

    Reply
  21. Syed abuzer Sherazi · Edit

    Dear Sir,

    My Mother was getting pension of Rs.13,588. then she applied for online pension, now she is getting Rs.10,800 pension per month. i want to ask you please tell me how is this possible? that i person who was getting 13588 but after applying online pension process they reduced her pension and saying, she was getting more pension then actual. Question is ? How? Are they bankers were MAD? how they prepared more pension then actual. please guide me what should i do for getting the same pension as she was getting earlier. i spoke so many times to the Account officer but every time he is not answering in a well manner and with justifications.

    Reply
  22. Naseer Ahmed Abbasi · Edit

    Dear Sir/Madam, Aslamo-Alaikum. Our institution Pension now decided as Federal Govt Rules under Min of CAD. I retired on 04-04-2011, Service : 21 yrs 10 months 29 days. Age : 60 yrs

    BPS-11
    Date of Birth 05-04-1951
    Date of Appointment 15-5-1989
    Date of Retirement 04-4-2011 on completion of 60 years age
    Last basic pay 9,890.00 (excluding others i.e adhoc relief,etc)
    Please tell me about net pension, commutation and arear of pension from 05 April 2011 to to 31 Jan 2017.

    Thank you very much

    Reply
  23. Dear Mamdam! Plz batana k agr koi Federal Govt servant 1st June ko retire ho to us ki B.Pay main aik increment shamil kar k us ki grass pension banaee jay gi jab k us malazim ne last 6 months service main one month E/Leave be avail ki ho.

    Reply
  24. Dear aslam o alikum meri total b pay bashmol increament 2016 Rs 32740 ha mari total service 27 year ha aur meri age 50 year ha main bps 12 se retired hoa hon meri pension aur comu bta den please . Ap ka page buhat regular dekhta hon ap ka buhat mashkor hon ga . DOB 01-01-1967 ha Date of ap 21-08-1989 aur date of retirement 31-08-2016 ha

    Reply
  25. AOA. Dear Madam! your service is very well for the Govt employees….
    My Q. 25 years 06 months service 26 years count ho gi….ya 25 years for the purpose of pension.

    Reply
  26. A.O.A
    can body help me to calculate the in service death
    1.pension case
    2.Commute
    3.All other financial benefit
    Clerk BPS -11
    Basic pay. 25000
    Net pay. 38000
    service 30 years
    Age 54 years..

    Reply
  27. Kindly tell me whether adhoc relief (increase in pension) in case of family pension (federal govt) shall be calculated on gross pension or net pension prior to 1999

    Reply
  28. respected madam,
    mere papa ki death 57 years ki age m 26 oct 2016 ko ho gyi wo canara bank m karyaraat the. kya bank m mujhe unki jagah job mil skta h or meri mummy ko kitni pension milegi plz btayen
    dob- 30-01-1959
    date of appointment-30 july 1984

    Reply
  29. Khurshid Ahmed Khan · Edit

    Dear Shumaila Kamal Sahiba,

    I retired from PAF wef 1-1-1995 on completion of 25 years of service, My date of birth is 1-1-1951.
    Please let me know when I will be due for full pension.

    Shell I be entitled for 50% commuted pension equal-ant to my running pension.

    Thanks and regards,

    Khurshid

    Reply
  30. Sir mera walid 30-11-2016 ko retire ho rah hai aur us ke pension papers countersignture ke liye ajj behjen hain to wo office wale nahi le rhey hain is ke liye koi pension rule hai to ye meri mail p behj dain thanks

    Reply
  31. Madam my father was a pst but he died in service .qualifiying service 30 year and basic pay is about 25000.so much his pension.and if u know the other packages or financial assistance payable to the family so plc guide me

    Reply
  32. I need to know rule/policy as well as how to calculate commutation/pension of :

    – Regular (unconfirmed)
    – BPS-18 (Basic Pay 65490)
    – 15 years of services in public sector organization in Pakistan.
    – Date of Birth (31-08-1956)
    – Date of Joining (01-04-2002)
    – Date of Retirement (30-08-2016)

    Reply
  33. Assalam o alaikum,
    Meri mother BS-16 ki teachr hain 1980 ko apointment hui date of birth 1959 he Basic pay 44000 he Retirment 2016 kitni pension and commute bny gy

    Reply
  34. Salam Sister
    I state that my Father died on 14 june 2005 during service in bps-18 in Education department.My mother is taking pension since then I want to know that is she eligible for the new pension decision 50 to 75% or not.
    Regards
    Hamid

    Reply
  35. Aslam o Alikum. Respected mam,my case is relate to pension. i am govt servant , i am 33 years old , i am divorced . my father during service had been expire . my divorce year is 2009 even my father died in 2011. can i legible for pension ? pls solve my problem , i have need related documents. i will be very thankful to you so much

    Reply
  36. Dear Madam,At present I want to know that Leave encashment on retiring at the age of 60 years, retired official only basic pay and allownces or only basic pay.Leave accont certificate shows that 365 days leave encashmet with full pay in lieu of LPR is admissible.

    Reply
  37. Aslamo-Alaikum.
    My father was a High School Teacher his particulars are:
    BPS 19 (Time scale)
    Date of Birth: 20-08-1954
    Date of Appointment: 10-05-1980
    Date of Retirement: 19-08-2014
    Last Basic Pay: Rs.31000.
    Please tell me about net pension and commutation.Thank You Very Much!

    Reply
  38. Muhammad Shaaban Mangi · Edit

    Let me know whether an any employee can be allowed pensionery dues beyond the services rendered above the 60 years. If not, under what circumstances and grounds. please quote notifications/circulars/guidelines/ orders issued by the provincial government of Sindh, Pakistan. Thanks.

    Reply
  39. Dear Madam.Assalam o Alaikum.phley bhi ap ko send kr chuka hoon mgar jawab nhi mla hey.Merey teacher ney razakarana retirement 12-4-14 notification key lia ak mah phley kase DEO.Faisalabad dftar bheja lekan 19-5-14 ko teacher wafat pa gia.teacher ki bevi ney 27-5-14 ko DEO ko drkhast de ke merey khavnd ki razakarana retirement drkhast ko death retirement men tbdeel kia jai. is drkhast pr DEO ney obituary notification jari kr dia.bad men 27-7-14 ko Headmaster ney earned leave case 37 days(13-4-14 TO18-5-14), pension case DEO dftar bheja to DEO ney obituary notification waps la kr 12-4-14 sey razakarana notification jari kr dia. kia obituary notification bhal ho skta ha.is men mhkma ki ghlti hey ke teacher key fot hona sey phla razakarana notification nhi kia.is lia teacher doran e service fot hooa.please jawab jldi send kren.

    Reply
  40. Hi,

    Could you kindly tell if there was an increase in federal Govt pension from 1995 – 2003 and is % year wise, please.

    1995= ________% increase in pension
    1996=_________%
    1997=__________%
    1998=___________%
    1999=___________%
    2000=____________%
    2001=_____________%
    2002=______________%
    2003=_______________%

    Reply
    1. Dear Ahmad plz email all these details to Mr. Amir Agha. U can see the contact detail of Mr. Amir Agha at this site under heading “Contact Us”.

      Reply
  41. Dear Miss Shumaila,

    My question is, can a person avail Pension commutation after 8 months of retirement..i-e a person retired on 02.02.2012 and he apply for commutation on 12.12.2012..
    is there specific time period under which an employee can avail pension commutation or full pension.plz advise.
    thx

    Reply
  42. As Salaam o Alaikum

    me aap se ye pochna chahta hon ke mere father ki death ho chuki hai unki pension mere mother ko mil rahi thi ab meri mother ki bhi death ho gayi hai.
    ab government rule kya kehta hai pension kis ko milni chahiye hum 5 bhai or 4 behne hain
    or sab shadi shuda hain kindly reply karden tafseel se…

    Reply
  43. madam Shumaila Kamal I m very happy after visiting this website. You are helping in very tough problems, that are normally not explained by our clerical group.
    May Allah bless u always.

    Reply
  44. Dear Sir,

    My father, a retired Federal Govt employee (Pensioner) died in 2003. After his death my mother received 1/4th of the pension of my father. e.g if my father was getting Rs 10,000 / month, my mother started getting Rs 2500 /month . I searched rules and all rules say that the window of a retired govt servant who died after retirement is entitled to 50% of the pension drawn by the deceased.

    Plz advise

    Reply
    1. Dear Ahmad According to my knowledge it is 50% pension. I think they are doing wrong. I suggest you to send all these details to Mr. Amir Agha whose contact details is available at this site under the heading “Contact Us”

      Reply
  45. Salam Sir,

    sir actually i am civil servant and dealing Pension Section..last few days we faced a problem and didnt find any solution or rules regarding that problem..there was a person who applied for Commutation of Pension on his retirement..Due to financial Crunch, our dept was not able to pay his commuted amount..Then he filed a case in Federal Ombusman(Wafaqi e Mohtahsib) claiming that he dont need any Commutation and the Commuted amount should be restored in Pension i-e (after commutation it was Rs. 10,000/- and wihout commutation it was Rs.14000/-)..after that his Surrendered portion was restored ie- Rs.14000/- Now he again submitted an application that his pension should be commuted..

    my question is after all this scenario, Can his Pension is again Commuted,Kindly plz give the reference of Rules..

    Waiting for ur reply..thx so Mch

    Reply
  46. Dear Sister Shumaila,

    I am pleased to see your valuable efforts; may I ask a question regarding formula you mentioned in other related link i.e.

    Gross pension = Basic pay X Service years X70/3000.

    In case of death during service what value will be assumed for SERVICE YEARS

    Details are
    Basic 15000
    date of birth Nov/1967
    died in Sep/2012
    Number of service 25years

    Reply
  47. A.A.when will the Lab/Asstt be upgarded?because all of teachers,clerks and class IV servants have upgraded but only the lab Asstt were left un- upgraded

    Reply
  48. khalid Hussain Qureshi · Edit

    Dear Madam Assalam-o-Alaikum,
    Masha Allah ap k comments perh kar mery ilm men buhat izafa hua aur buhat khushi hui k ap accounts matter men buhat expert hen,
    madam men bhi as accountant cid mirpurkhas sindh reh chuka aur meri koshish hy k phir kahen posting ho dua ki jeay ga
    men ap sy waqt ba waqt guidline k ley rabta karon ga please help kejeay ga

    Reply
  49. Salam Sister,
    Mere abu Sindh Govt ke emloyee the un ki death 1997 me during service hoi thi jis ke bad meri ami ko family pension milti thi 2008 me meri ami ki bhi death hogai to fer wo pension meri chhoti sister ke nam tranfer hoi jo un married he ab ye bat ap se pochni he ke agar meri chhoti sister ki shadi hojaye to wo pension kya mere chote bhai jo 19 years ke he aur unemployee he study ker raha he us ko mil sakti he ya nahi

    Reply
      1. Thanks Sister ke ap ne rply kya ap ne kaha 21 years tak lekin kisi ne bataya tha ke 24 years tak plz agar kisi se confirm ho saky to mehrbani hogi aur dosra ye ke 21 ya 24 years ke age ke bad chhoty bhai ki wo family pension band ho jaye gi?

        Reply
  50. Assalam o alaikum:-) plz calcute the amount of pention and othr fring benift my basic pay is 61000 age 60 yrs retird on 2 nd agst 2014 in grd 19 total srvc 35yers and 10 months and 22 days plz help me i wl thnkful

    Reply
  51. Bashir Ahmed Leghari · Edit

    Dear Sir/Madam,
    AOA. I would like to enclosed herewith my particulars as under;-
    I am in scale 19 and I upgraded by the institute in grade 20 through notification dated 13-08-2014. I am at the last stage of my pay scale .e. Rs. 63000/-. Kindly advised me either I join my duties during this current month of August 2014 or to join my duties on 02-12-2014, in order to avail one annual increment through personal pay scale. Is it possible, kindly communicate the details please.
    Thanks

    Reply
  52. Dear
    my father was Punjab (PAK) govt servant. he died during his service at age of “54”.
    his basic pay is “50000”
    Date of Appointment: 27-01-1985
    Date of Death 08-01-2014
    service period 28 year 11 months 11 days
    can you please calculate pension and graduaty

    Regards, Nasir mehmood

    Reply
  53. AoA

    – if i don’t want to avail my LPR after completion of 59 yrs of service
    – my question is, can i take one year full current pay or current basic otherwise what is rules

    Reply
    1. Dear Khalid, in LPR all pay and allowances except Conveyance Allowance are granted. You can also get the leave encashment if ur service is more than 30 years or 30 years. You will get all the pay and allowances if you continue ur service and after retirement you will get the Leave Encashment that is Basic Pay. Thanks

      Reply
  54. AoA

    – presently, i am working as stenotypist since 5-1-1991 ( now i m in selection grade -14) and my present basic pay is Rs 23860/=. i was passed my FA exam in 1986, i would like to ask about my two qualification increments (as was announced by the Nawaz Sharif Govt in 1998)

    – my question is, can u guess that my two qualification increments as FA base are included or not in my present basic pay as Rs 23860

    Reply
  55. dear

    i am appointed as a lecturer BPS-18 in university in 2014….my pay scale is 20,000-1500-50,000.
    plz tell me, will i get pension bcz someone told me that after the year 2012 the new govt employees will not get pension….

    if it is true than what other benefit we have?

    thanks

    plz mail me on [email protected]

    Reply
      1. ok thanks so what will be my take home salary in govt uni as lecturer BPS18? 48,000 or more…?

        plz also give one more information at time of advertisement pay structure was 20000-1500-50000 but after budget 2014-15 it is 20000-2000-50000…so will it be applicable to me as well

        Reply
        1. Dear Muhammad Ali, The correct amount is 20000-1500-50000. There may be some deductions but me not confirm. However the gross salary will be estimate Rs. 49000/- PM

          Reply
  56. Dear madam,
    Hope you are fine and doing well. I am having a problem in finding the download link for Pension and commutation Calculator. I can’t find the link mentioned above… Please help me in this regards.

    Best

    Ayyaz

    Reply
  57. my basic pay is 19,000, my date of birth is 26.06.1972, designation is stenographer BP-15, date of appointment is 22-08-1996, plz any one can calculate my pension and graduity

    Reply
  58. Aa madam.my father is retired honary captain from army. BASIC PAY.16980 Date o f birth .1-6-1960 DATE OF JOING.5JUNE 1977. Date of retirement.28-9-2009 TOTAL SERVICE.32 YEARS 3 M 23 DAYS AGE at retirement.49 year 3m 28 days. Madam confusion hae.pension and commute bata deen thanks

    Reply
  59. Dear Madam according to notification FD-SR-III-4-72/99 dated.27-7-1999 (25 % pension increase net or gross pension) please clear to me.

    Reply
  60. Dear Brother,
    I also have some confusion, please calculate this BPS 16
    Total Service is : 41 Years & 6 months, No of Leaves used :55 days in whole service
    Joining Date: 1-6-1973
    Retirement Date 3-12-2014
    Gross Salary : 47000
    Basic Salary: 27000 on retirement
    Present Day Basic Salary : 25200
    Please calculate my Encashment of Leave Preparatory to Retirement , Commutation , Graduaity , Pension and other payables to me or any other benefit.

    Reply
      1. dear shumaila need a little favor , can u plz tell me the minimum service limit for pension . in defence forces navy , i shall be very gratefull to u .. my cell no 3142314129.. actually i was dissmissed from service after 17 years due to power leave , i just want to know i eligible for pension or not …

        Reply
  61. BPS:12
    Last basic pay:16000
    D-O-B: 01-07-1967
    Date of appointment:17 may 1989
    Date of retirement:17 may 2014
    Total service:25 years.
    I am servant of Punjab government in education department ( PTC Teacher)
    what will be my monthly pension and my total commute ?
    Please guide me what is the better way to retire, leave encashment or LPR…?
    Dear Shumaila kamal please guide me. i shall be very thankful to you.

    Best Regards,
    M Sajjad nawaz

    Reply
  62. Mohammad Raza Khan · Edit

    Brothers, i got retired on 15th February 2009 on completion of my 60 years age and 32 years service as a Superintendent jail,in PB 18,at present i am getting Rs 37773 per month pension,but i m not satisfied of Bank calculation,it is correct amount, i m getting,please help me in this regard bcs i cant approach A.G office due to some reasons.

    Reply
  63. Dear Madam,
    I have just cleared my test and interview for the of Lecturer Commerce BPS 17 from Sindh Public Service Commission.
    Interview result announced on 7th of May, but I have not received offer Letter so far.
    can you investigate and let me know:
    1) When offer letter will be received?
    2) Total home take of BPS 17?
    3) besides MCOM I did MBA in HR, double masters degree holder get any additional allowance?
    3) My Mphil expected to complete within a year, then what will be the added beneifts/grade updation or allowance?

    Please help me out.

    Reply
  64. Please check my father’s stats:
    Arshad Khan S/o Sharif Khan, Hon Capt. (Retired Pakistan Rangers)

    Date of Birth: 20-04-1949
    Date of Joining: 04-07-1972
    Date of Retirement: 31-03-2003
    Length of Qualifying Service: 28 Years (excluded 3 yearrs gap)
    Age at the time of retirement: 53 y 11 m 11 d

    Gross Pension at the time of retirement: 5458.60
    Commuted portion of pension: 2183.44
    Net Pension: 3275.16

    Current Pension: 16704 p.m

    What will be commuted gratuity?
    How can we receive this gratuity?
    Will there be end of commutation and the monthly pension will increase by 40% i.e Rs. 27840 p.m?

    Please do reply I will be very grateful!

    Reply
  65. Muhammad Aslam Mughal · Edit

    Dear Sir,

    I was retired on 10-12-2001 from wapda in BPS movrover-17.I was not opted the new pay scales issued on 1-12-2001.At that time my was calculated Rs-4165- now I am drawn pention Rs-22850. Because i was not opted new pay scale of 1-12-2001,my pention was in my previous scale-17.Increase in pension from 1st July 2010 was given to me 15% instead of 20%.

    Please guide me;-
    1- can i claim for 20% increase 1nsted of 15% from 1st July 2010 as i was not opted Pay Scale of 1-12-2001,but retired on 10-12-2001.
    2-Please confirm the date& year from which i can draw my full pension. %age of my commute pension.
    3-Please confirm full pension amount from witch date i can draw. year-2013,2014 or 2015.

    Reply
      1. assalamualaikum….meri date of birth 13 feb 1959 hai.date of appointment 26 march 1983 hai.provincial employe hun.scale 15 hai.basic pay 22500 hai.agar main december 2014 main retirement loon tou meri net pension kitni ho ge ar coomute?bata dain

        Reply
  66. Dear ma’m,
    My father’s service is 28 years with basic pay of 36000.
    he joined paksteel at 20-71985 and he got died onduty on 27-4-2014.
    what will we get in pension and grtuity.
    thanks.

    Reply
      1. Thnks mam i’m lil confuse about net pension what will we get in cash i mean to say that how many cash will we get in pension with adding deductions

        Reply
  67. SYED ANSIR ALI SHAH · Edit

    PLEASE CALCULATE PENSION AND GRADUITY
    BASIC PAY 22000
    SERVICE 30 YEARS
    AGE 50
    MY DATE OF APPOINTMENT 1-08-1984
    DATE OF BIRTH 15-06-1964

    Reply
    1. Dear nasir ur pension detail at present time is as under if u r below 16 BPS:
      Commute 1184478.37
      Net Pension 19976.96
      if BPS-16 and above then:
      Commute 1184478.37
      Net Pension 19476.46

      Reply
  68. muhammad abdul qadir · Edit

    Let me my pension and gratuity
    Assistant Private Secretary
    BPS-16
    Date of birth 30.08.1954
    Date of appointment 30.6.1974
    Date of retirement 29.08.2014
    Last basic pay 33600 including special pay (400) due increment also added
    Special pay 400
    Rate of increment 800

    Reply
      1. muhammad abdul qadir · Edit

        let me detail, how did you calculate the pension. Did you mention the medical allowance in it? Furthermore, how many adhoc relief did you mention.

        Reply
  69. muhammad abdul qadir · Edit

    let me my pension and gratuity
    date of birth 30.9.1954
    my basic pay 33600
    date of retirement 29.8.2014
    length of service 40 years

    Reply
  70. slamo-Alaikum.
    BPS 18
    Date of Birth: 25-02-1955
    Date of Appointment: 1-01-1885
    Date of Retirement: 25-2-2015
    Last Basic Pay: Rs.56000
    Usual Increment: Rs. 1500
    Total: Rs.57500
    Please tell me about net pension and commutation.
    Thank You Very Much

    Reply
  71. BAJI…ASSALM U ALIKUM

    MAIN FEDERAL GOVT MAIN 7 SCALE MAIN HOON..KINDLY MARI PENSION KA PATA DAIN .BOHAT MAHRBANI HO GI…

    1) (COMMUTE+ MONTHLY PENSION)
    2) FULL GROSS PENSION WITHOUT COMMUTE

    DATE OF BIRTH 28-09-1964
    DATE OF APPOINT 04-09-1984
    BASIC RS 15400/-
    INCREMENT (2) RS 360X2= RS 720/-

    I WILL THANKFUL TO YOU.

    Reply
    1. Dear Muhammad Tariq if you retire at present stage with 50 years age then the detail is as under:
      Gross Pension 11718.00
      65% Pesnion 7616.70
      35% Pension 4101.30
      Commute 901231.15
      Net Pension 14819.81

      Reply
  72. madam would you please let me know the details of allowances to be included in the monthly pension e.g. if govt servant is going to retire in April, 2014 whether pension increased in earlier i.e. before his retirement will be applicable. Please detail of allowances

    Reply
  73. Merey Father ki service 34 years in Pakistan Steel basic pay 33000 date of appointment 16 01 80 date of birth 25-04 56 what will my pension and commute.Kindly yeh pochna hay pansion monthly base per aur kitnay arsay tak milti hay

    Company: Pak Steel mills

    Basic: 33000

    Joining: 16/01/1980

    date of birth: 25-04 56

    Reply
  74. Merey Father ki service 34 years basic pay 33000 date of appointment 16 01 80 date of birth 25-04 56 what will my pension and commute.Kindly yeh pochna hay pansion monthly base per aur kitnay arsay tak milti hay

    Reply
  75. My date of birth is 20 4 55 and my date of oppointment is 16 01 80 .my basic pay is 40000 and I am getting personal allowence 1200 from last two years .what will my pension and commute.plz tell me .thanks

    Reply
    1. date of birth is 21/2/54 my date of appointment of 5/5/82.my basic pay is 45000 and i what will my pension and commute plz tell me thanks.

      Reply
  76. my baisic pay is 27400 in bps 15.my age is 60 years and service is34 years. what will be my net pension and comute,
    Tell me how much medical allownce for bps 15

    Reply
      1. thanks your informative response, i have another question, if i will go on retirement on age limit (60 yrs) than what will be position of my pension and commutation

        Reply
          1. my basic pay Rs 23860 service 28 yrs and present date of birth is 20-03-1961 tell me pension and commutation on retirement at the age of 60 yrs

  77. Dear Shumaila AOA
    Mera sawal hy ke
    Pension formula ke baqi factor to sumaj ate hain liken ye last me 70/3000 jo hy ye kia hy
    zaroori hy ke 70/3000 hi ho koi or hinsa nai lagta ye akhir hy kiya “70/3000” ?

    Reply
  78. Dear Shumaila AOA
    Mera sawal hy ke
    “Medical Allowance” pension me kis ratio se add karte hain ku ke mujy Medical Allowance running basic ka 50% milta hy. Please inform me

    Reply
  79. Dear Shumaila AOA
    Mare do (2) Sawal hy
    Q1. Ye Commute kiya hota hy please is ki detal dain.
    Q2. Mujy Graduati ka formula chain wo be mujy deain.

    Reply
    1. Dear Zahoor commute wo amount hoti hay jo retirement per Total Pension ka 35% milti hay. Commute aour Pension ko calculate karnay kay formulay main nain apni site per pehlay hi publish kar diay hain.

      Reply
  80. If a Person retires on year 2015 or 2016 whatever,

    kia iss par previous increment apply hoga ?

    e.g : 2011 mein 15% of (Net Pension – Medical Allowance)
    2012 mein 20% do
    2013 mein 15% do
    2014 mein 10% suppose
    2015 mein 15% suppose
    mera question ye hy k ek person 2016 mein retire hoga to kia ye 2011 sa 2015 tak increment la ga?

    Reply
  81. if duration of service is 28 years , 6 month and 5 days

    gross pension = basic pay x 28 x70/300

    my question is , whether we will take qualifying service as 28 year or we consider 6 month too.

    Reply
  82. Dear Madam ,
    I have a question regarding Next year Birthday & Age Rate

    Date of Birth : 14/04/1958
    Date of Appointment: 15/12/1989
    Date of Retirement: 13-04-2018

    Duration of Service : Years: 28 , Months: 04 , Days: 28

    Q1: What will be my Next year Birthday ?
    Q2: What will be the age rate from Age rate Table?

    Reply
  83. Dear Madam Shumaila,
    My sister retired as teacher from Punjab Govt. on medical grounds as cat “A” she just got her normal retiring pension in this month. now I would like to know what other kind of pensions are admissible to her as I have heard that there will be a Medical Pension and Benevolent Pension in addition to Normal Pension and what will be the procedure for claim. your help will be great relief.

    Reply
  84. It means , if my Ordinary Pension is : 19167

    Adhoc Relief 2011 is 15% = 2875.05
    Adhoc Relief 2011 is 20% = 3833.4
    Adhoc Relief 2011 is 15% = 2875.05
    Medical Allowance is 20% = 3833.4

    Above increments are according to KPK increses.

    then my Ordinary/Net Pension will = 32583.9
    am i right? if not then please kindly specify.
    thanks in advance

    Reply
    1. Dear Khurram these allowances except Medical Allowance will not be included in any pension. However increase in pension in these years will be added in the Ordinary Pension. Medical Allowance will also be included in the Ordinary Pension.

      Reply
  85. Respected madam Assalamo alekam,
    during surfing net i came across your web site and found that such a nice people are present in this world who r doing such a high class service for the people of pakistan. I want to know only one thing that i have been retired from Pakistan Air Force on 28-04-2000 as Assistan Warrant Officer. Again I joined a Government Organisation on 01-11-2001.I was authorised 25% increase in pension at the time of retirement. I want to ask only that wheather i am eligible to draw that increase during my re employement period from 01-11-2001 to 01-12-2011 . Now my pension restored but this query is still pending
    Regards
    Mukhtar Haider
    Attock

    Reply
    1. Thanks dear Mukhtar for appreciating mine efforts for the needy employees.
      Plz just click on the “contact us” at this site and there u ll see the email ID of Mr. Amir Agha, I hope he will give you the answer of your question in detail. Thanks

      Reply
  86. my name is muhammad iqbal
    i am computer operator in ghq
    my date of birth is 10-4-1965
    date of joining service is… 26-1-1984
    basic pay is approx 29000
    please calculate my pension with medical allowance, commutation and pls tell what is the best time of retirement for me

    Reply
  87. AOA!

    my last pay will be 95150/-
    date of birth is 24/02/1954
    date of appointment is 19/09/1978.
    date of retirement is 23/02/2014

    pl inform me about net pension and commutation.
    thank you very much.

    Reply
    1. Dear Irfan Ali Khan the detail of your pension and commute is as under:

      Gross Pension = Basic Pay x Service (Maximum 30 years) x 70/3000
      =95150 x 30 x 70/3000
      =66605/-

      Ordinary Pension = Gross Pension x 65 %
      =43293/-
      Note: This is ordinary Pension and Increases in Pension in various yreas are not included in it. Estimated amount after adding increases will be Rs. 60000/- (estimated)

      Commute = 35 % of Gross Pension x 12 x Age Rate
      =19982 x 12 x 12.3719
      =2966584/-

      Reply
  88. i am going to complete more than 35 years service. The gross pension is computed at most 30 years service. Is additional pension rule i.e 2% additional per year still exists. If No it is still present in Part II for gross pension calculation.

    With regards

    Reply
  89. ghullammustafa bhatti · Edit

    A.O.A MADAM I AM ALWAYS SALAMS REGARDING TO YOUR HARD WORK AND HOW YOU TO MANAGE WORK IN THIS REGARD AFTER THE HOUSE WORK AND BEING A RESPONSIBLE HOUSE WIFE . MADAM, I AND WE HAPPY BEACUSE ON I PRESENT HERE IN THE SOCIAL MEDIA TO SOLVE AND HELP THE NEEDY IN THIS REGARD . THE ALLAH PAK GIVE MORE SUCESSES IN FUTUREPL …………I MADAM I AND WE REALLY ASK WHEN DAY COME THE OTHER PEOPLES TO DO THIS PL; 2……..MADAM MY QUESTION IS THAT .THE ……PENSION FORMULA 2001 THE TABLE SAME WIIL BE CHAGNE AND THE SCALE MANY TIMES HAS BEEN REVISED AFTER THE PASSED ABOUT 12 TWELEVE YEARS PLEASE SOME WRITE TO CHAGE MADAM . ANY PLAN TO BE CHANGEIN THIS REGARD BY GOVT;3.PL MADAMA………..4…….I REQUESTED HERE SOME DEPARTMETN OR CORPORATION HAS BEEN NOT COMPLAINCE ORDER/ NOTIFICATION OF STATE PLEASE GAUDE US WHERE WE GO AND SAME TIME NOT TO COMPLIANCE BY THE APEX COURT OF STATE AND LOWER ETC SO MADAM PLESE GIVE GAUDE LINE IN THE NAME OF ALMIGHTY ALLAH PAK . THANKS AN D WAIT FOR REPLY MADAM.

    Reply
  90. Sir my basic pay is Rs.16080 now after annual increment granted on 01-12-2013 my basic pay will be Rs.16460/= I am retiring in Jan-2014 on superannuation. How much commutation is made and how much pension is made. Sir scale is revised in 2011 so in 2012 and 2013 pension is revised. So the above said pension is added in my pension alongwith 25 % medical.kindly reply. Thanks a lot.

    Reply
  91. In case of death of a government servant while on service, which are the rights of the family of deceased employee payable by the Government of Punjab?
    Please list out the claims for submission by the family of deceased.

    Also mention the rates of family pension, commutation or any other.

    If you may tell the procedure of service verification of deceased employee (served on different stations) for release of family pension, I shall be highly grateful in addition of the above.

    Reply
  92. Dear sir,
    i would like to get clarification about the treatment of adhoc allownces i.e. 10% (2010) 10%(,2011),20% (2012), & 10% (2013) while calculating net pension. Kindly guide me which one of the following treatment is correct and why:

    Option-1

    Gross pension x 65%
    5758.66 x 65% = 3743.13

    Net Pension= 3743 + Adhoc relief 15% (2010) + Adhoc relief 15% (2011) + Adhoc relief 20% (2012) + Adhoc relief 10%(2013)
    3743+60% (10%+10%+20%+10%)= 3743+2248= 5991
    Net Pension= 5991
    or
    3743+10%=374
    (3743+374)= 4117+10%=412
    (4117+412)=4529+20%=906
    (4529+906)=5435+10%=543
    3747+374+412+906+543= 5978
    Net Pension= 5978

    Reply
  93. I want to ask two questions..

    1) what are the allowances that should be included in net pensi0n?

    2) what is meant by commutation Rs 12,75,975 ?

    Reply
    1. Dear Muhammad Ahmad there will be the following allowances included in the pension. These allowances means the increase in pension during the past years.
      These are: 2010, 2011, 2012 & 2013. Plz clearly mention the question no. 2. I could not understand.

      Reply
  94. Plz calculate my pension & commutation.

    Date of Birth 06-01-1976
    Date of appointment 24-06-1997
    Basic Salary Rs.15600/-
    Pension ?
    Medical allowance/pension ?
    commutation ?

    I am retiring on medical grounds on 30-07-2013, in “A” category with full benefits.

    Regards

    Reply
  95. Dear Shumaila mam

    AOA. Is there any notification released about calculating of adoc in basic pay for the purposes of pension/commutation. Please reply.

    Reply
  96. Amir Zarif Hussain · Edit

    Dear
    What is the latest on inclusion of adhoc relief allowances of Jul 99 to Jul 2011 in emolument recokonedable toward pension. Have you connected finance Division to know what stand by
    on this subject. Please get information and send me on my email address
    Amir Zarif Hussain

    Reply
  97. AOA, I want know that special Adl Allowance account for emmoluments of pension or not and plz also tell me the list of emmoluments thanks

    Reply
      1. dear shumaila mam aoa mery father 18 sal 3 mah or 29 din ki service k bad 06-07-1987 ko army sy retired hoey en ki basic pay 970 thi.17-05-2002 ko en ki death ho gi pir meri mother ko family pension milni start hoey aj 26 sal bd ham ko pta chala ha k pension restore hoti ha hamara kia baqaya bnta ha govt ki trf

        Reply
  98. Please tell about minimum pensionable service of comissioned officers of armed forces with authentic source and how to calculate pension. A favorable reply will be higly appreciated.

    Reply
    1. Dear Afaq, I m not confirm about the Armed Forces. Howver if these are same as the civilians then u can see the same in the TAG of PENSION at the botom of the site.Thanks

      Reply
      1. I am grateful for your worthy response. However, I need to draw your attention towards the pesion calculator which is not user friendly and I am unable to calculate pension through that.

        Reply
        1. Dear Afaq Thanks u. The pension calculator calculates the commute accurately as i mentioned in the post but there showes errors in pension. I advise you to use the manual formula for the pension purpose. Thanks

          Reply
  99. aoa dear shumaila i must appreciate u for the marvellous work u r doing .i wanna ask u something really important.my father was federal govt employee n he expired on 25th april,2013.He was in service at time of death n ws drawing basic salary of 15400/-pm.nw plz tell me that how much pension ,at home, could we expect to get per month n wt is commutation?n what kind of allowances could we expect beside at home pension?my father had service of29 years.i hope u will give me quick response.may allah bless u.

    Reply
      1. aoa dear here r the particulars. date of birth 10-10-1954 date of death 25-04-2013 .his service length ws 29 years n last gross pay ws 28217/- whereas basic pay ws 15400/-.anxiously waiting for ur rply along wth all deatails thanks.

        Reply
  100. Good Day,

    I need to ask as to whether qualification allowance such as Ph.D allowance is included in the basic pay for calculation of pension. Thanks.

    Tahir

    Reply
  101. Will you please calculate my home taken pension + comutation. Basic pay= 19370 service=29 years age=59 years on next birthday

    Reply
  102. Amir Zarif hussain · Edit

    Dear
    There is some confusion .Govt increase adhoc 15% from 1 Jul 2006 and in another letter 15 incease in pension and also mentioned that those would raw pension will get this 15%.

    Now govt is considering inclusion of adhoc relief of Jul 99, 2003, 2004 and 15% DA in 2006
    On re fixation of pension.either Adho relief 15% and 15% adho those would drawn pension will getthese both Adhoc of 2006 whereas in pension 15% Adhoc as a IP alsready given in pension
    Either this IP will standand A.D 15 given with pay will be also given on re fixation of pension or not and only 15% already being given as I.P will stand.i.e. in2006 only one AD will be stand asIP and AD 2066 will not be counted.Please clarify.

    Very clear is as under
    in 2006 Govt issued two letters one dated 24 Jul and one 30 Jul 2006
    One DA to employees working and one DA to pensioners existed and also those to being retired. Govt given 15% of 2006 in pension as a IP. itesmena that now on newfixation of pension DA of 2006 which was allowed to working employee will be givenor not.

    Request reply on my email addres: [email protected]
    Amir Zarif Hussain
    18 May 2013

    Reply
  103. if any one length of service 26 years and 7 month, then his qualifying service will be 27 or 26.some one told me only saught remain person lenght of service will not be rounded. and other penison any on qualifying service more 6 monts then qualying service will take next year for example 27 year and 9 months then his qualifying service wil be 28 years it is true.pls tell me how calculate qualifying service and when it will rounded

    Reply
  104. A/Salam

    My colleague expired on 09.02.2013. His date of birth is 01.07.1964. Date of appointment 10.07.1983. His basic pay is Rs.15400 and Personal pay is Rs.1210. Please calculate his gratuity and monthly salary.

    Reply
      1. Dear Shumaila. A/Salam

        I have some doubt about Personal pay. How it deal with the personal pay in the formula. Please explain. Thanks.

        Reply
  105. Muhammad Ahmed Butt · Edit

    how to calculate age rate , what is age rate formula,
    and how to calculate service length, for example if there is service length is 36 years, 1 month, 4 days.
    then what should write service length in formula what is exact figure?
    e.g
    according to AGPR
    service length of 36 year 1 month, and 4 days round in to 31.37195122 why?

    Reply
    1. Dear Muhammad Ahmad Butt. Age Rate is given at the bottom of the Post. Service length is taken maximum 30 even if u have the service of 36 years.

      Reply
        1. we were employees of govt nationalised bank which was privatised to agha khan fund but our pension calculation is reduced to 33percent of basic last drawn instead 65 percent under which law the can cut this benefit once given to us so what is the responsibility of finance ministry, state bank , privatisation give us favour so we be able to fight

          Reply
  106. ASALAM O ALEKUM, Shumaila kindly calculate all benefits as my husband was expired during service on 22.12.2012 he was a primary school teacher in grade 14 his basic pay at the time of expiry was 20810 and his length of service was 25 years as his date of birth 23.09.1968 date of apointment was 8.6.1987 kindly tell me what benefits i avail

    Reply
  107. maree basic pay 20200 hay service 25 sal or age 44 me agar retrd hota hoo to mjhay net commutation or penssion monthly kitne milagee.or leave encashment kitnee milaigee

    Reply
          1. thanks a lot but little confusion some body from my office told me if Iam retiring on 25 years of service I will not get the benefits of LPR, although my leave is 300 day due, is it right….?

          2. Dear Khalil, Leave Encashment is the amount that is granted on the leaves in credit at the time of retirement while LPR is premature retirement. In LPR the employee gets the leaves that are in credit at the time of retirement. LPR can be availed after 25 to 60 Years age while leave encashment is availed from 30 to 60 years service.

      1. Dear Shumaila please explain what is 70/3000 ??

        and i want to ask my father retire on 31-12-2012, his last basic pay was 35200/- his total service was more than 30 years.

        please calculate how much he will receive monthly pension and commutation.,thanks

        Reply
  108. muhammad shujaat husain · Edit

    Dear madam, assalam o alaikumplease find the detailshere;- my date of birth is 08.02.1942 I joind federal govt. service on12.04.1960 after 32 years service I got ,on my own request pension . my date of retirement is 01.01.1994. half of the pension i got commuted under the existing rules(at that time). I just want to know i. when my half commuted portion be included in my drawing pension. ii. either the amount surrunder at that time be retuturn or my drawing pension bedoubled. thanks.

    Reply
  109. muhammad shujaat husain · Edit

    I retired from the ministry of Culture andsports Islamabad. I was assistant in BPS 15. what more moderation is required? plase indicate.

    Reply
  110. muhammad shujaat husain · Edit

    Helpfull attitude is liked by Allmighty Allah. You willbe blessed by Alimighty Allah for this hounrable job extended to needy human being.

    Reply
  111. muhammad shujaat husain · Edit

    Dearsir/madam, I got retire ment on 01.01.1994. mydate of birth is 08.02.1942. on my on request.. at that time my half pension was commuted, under the existin rules. when my commuted pension be restored. (ii) I also heared that when pension be restored it will be the double of drawing pesion? is it correct? I shall be highly greatful for your answer. thanks

    Reply
    1. Commutation means Gratuity. It is the payment of the leaves that the employee has in his/her credit at the time of retirement. Federal Govt employee can get the benefit of maximum 365 days leaves in the shape of payment. If an employee has 30 days leaves in credit then he will get one basic salary. It is a simple example.

      Reply
  112. My wife is serving as teacher in Punjab Education Department. She intends to retire. Would you please let me know her monthly pension and commutation. Her particulars are as under :-

    Date of birth : 16.10.1963
    Basic pay Rs. 29200/-
    Pay scale BPS 16
    Length of service 28 years

    Reply
    1. Commute will be Rs. 1467313.45 and calculate pension as Gross Pension = 29200 x 28 x 70/3000
      Then calculate the 65 % of the result. The result of this will be ordinary Pension. Allowances are not included in this result.The allowances will be calculated by the Account Office it self.

      Reply
    2. Dear Ahmed Nawaz

      Your wife will get the following pension & commutation upon retirement.

      Commutation Rs.1,026,699/-

      Net Pension (Take home) Rs.25,631/-

      Note: Errors & ommissions are accepted.

      Reply
  113. Thanks madam for such wonderful work i was searching it for many months.
    i want to say please tell what is age rate and why these are decreasing with more age and also write pension
    ordinary pension= gross pension x 65/100 as many people dont understand it and as 35/100

    Reply
  114. MUHAMMAD SAFDAR JANJUA · Edit

    PLEASE GUIDE:- PENSION CALCULATION FORMULA W.E.F.1-7-2012, HOW IS IT
    W.E.F.1-7-2012, BY A NOTIFICATION OR OTHERWISE?
    PERHAPS PEOPLE IN EDUCATION DEPARTMENT OF PUNJAB GOVT
    ARE NOT APPLYING THIS FORMULA

    YESTERDAY: DEAR MADAM: YOU CALCULATED (FOR MY BROTHER
    I.E.PENSION Per Month 21951.38 AND COMMUTATION WAS AS 718738.11
    AND THIS WAS ALSO ACCORDING TO PENSION CALCULATOR. BUT MY BROTHER
    IS FACING PROBLEM AS THEY (i.e.STAFF WORKING ON PENSION CALCULATION)
    HAVE MADE RS.17122/00 INCLUDING ALL ALLOWANCES.

    THIS IS MY HUMBLE REQUEST : PLEASE GUIDE ME HOW TO CONVINCE THEM TO SAVE A HEAVY LOSS TO MY BROTHER. THANKS.

    Reply
    1. Dear just try to calculate ur brothers pension and commute from any other person rather than the person calculated ur brother’s pension. So that u may satisfy about it. May be there is some difference in Fed and Provincial. Just try to calculate from any other person who is well equintance with pension calculations.

      Reply
  115. MUHAMMAD SAFDAR JANJUA · Edit

    Dear Madam: Almighty Allah bless you with many more successes in life.

    Basic pay of my brother = 22800/-
    Length of Service = 26 Yrs
    Age = 60 yrs
    Retiring on 20 Dec 12

    Reply
  116. MUHAMMAD SAFDAR JANJUA · Edit

    Madam: Is the Pension calculator (formula 1-7-12) is also applicable for Punjab Govt employees? My brother is Arabic Teacher in Govt High School in Punjab. His pension on pension Calculator from 22800/- basic pay; home take pension is shown Rs.21951/38 and commutation Rs.718,738/11 whereas his pension is calculated as Rs.17122/- an commutation is the same as your pension calculator.

    Reply
  117. MUHAMMAD SAFDAR JANJUA · Edit

    My dear sister: please clarify more as all employees are totally unaware of the pension formulas! if this is net pension (i.e showing by the table “EXCELL), why is it more than my basic pay.

    Reply
  118. Wah dear aap ne khob koshish ki hy pension calculator ki par durust nahein laghta apna E-mail address send karein to main aap ko 1 pension calculate karny ka formula send karta hon

    Reply
    1. This formula is 100 % ok. However allowances are not included in this formula. If you want to calculate your pension alongwith allowances then use the pension calculator at this site available. If any one says it is wrong he/she himslef/herself has wrong concept about this formula.
      mine email is present at mine site too.

      Reply
  119. why you divided pension in ordinary and gross.just tell the peoples that if your basic is 20thousand you will take home lumsum 15thousand.and in order to calculate the comute now the ordinary and gross can play a role.i could not understand what i will take home if i am drawing 18000 and service is 30years age is 51 now what i will take home.

    Reply
  120. MUHAMMAD SAFDAR JANJUA · Edit

    برائے مہربانی یہ بتائیں کہ آپ نے ایکسل سافٹ وئیر پر ٹیبل فارمولا بیان کیا ہے۔ اس میں جو ماہوار پینشن آتی ہے کیا وہ
    گراس پینشن ہوتی ہے۔ یا آرڈینری؟

    Reply
  121. can we apply the same pension formula on those who force retierment by the department
    if the employee service 15 years age 35 basic pay 12000 BPS 9 what formula apply on this for pension and commute

    Reply
    1. Dear I have pasted the formula. Plz try urself although i have done it for u

      Your Gross Pension will be = Basic Pay x Service x 70/3000
      = 11102/-

      Ordinary Pension = Gross Pension x 65
      = 7216.3

      Commute = 35 % of Gross Pension x 12.3719 x 12
      = 3885.7 x 12.3719 x 12
      = 576881.90

      If Allowances too added then ur pension will be 17618.87 PM

      Reply
      1. ghullammustafa bhatti · Edit

        A,OA MADAM PLEASE INTIMATE US COULD BE CHAGE THE TABLE OF PENSINON NOW 2001 . WHY NOT CHANGE SINCE THE 12 YEARS AND MANY TIMES HAS BEEN CHANGE THE PAY SCLE BY THE I R O PAKISTAN . IT IS LOSS OF EMPLOYEES AND BASIC RIGHTS AS WELL AS LAKE OF MORAL AUTHORTY OS SUCH .PLEASE THIS TIME IS HEAVY TAX PAID BY THE NATION DIRECT OR IN DIRECT AS WELL AS THE SALARY PEASON.2…………………..MADAM I AND WE ARE HAPPY FROM YOUR GAUDE LINE AND HARD WORK IN THIS REGARD . PLEASE GAUDE US SOME DEPARTMENT HAS BEEN NOT COMPLAINCE BY THE ORDER OF I R P OF PAKISTAN AND APEX COURT PLEASE. WHAT IS THE FINAL DICESSION TAKEN US FOR JUSTICE.PLEASE THANKS AND WAIT FOR REPLY PLEASE .

        Reply
          1. Aslamo-Alaikum.
            BPS 14
            Date of Birth: 07-10-1954
            Date of Appointment: 17-06-1971
            Date of Retirement: 07-10-2014
            Last Basic Pay: Rs.22640
            Usual Increment: Rs. 610
            Total: Rs. 23250

            Please tell me about net pension and commutation.
            Thank You Very Much!

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