Pension Commutation Calculator
Commutation lets you take part of your pension (up to 40%) as a lump sum now. Your monthly pension is cut by that part for 15 years, then restored.
Lump sum you get: ₹15,73,248
Age on your next birthday: 61 · Commutation factor 8.194
| Cut from monthly pension40% | ₹16,000 |
|---|---|
| Basic pension after commutation | ₹24,000 |
The full pension is restored after 15 years.
Commutation factor table
Lump sum = commuted monthly pension × 12 × factor for your age on your next birthday.
| Age next birthday | Factor |
|---|---|
| 40 | 9.09 |
| 41 | 9.075 |
| 42 | 9.059 |
| 43 | 9.04 |
| 44 | 9.019 |
| 45 | 8.996 |
| 46 | 8.971 |
| 47 | 8.943 |
| 48 | 8.913 |
| 49 | 8.881 |
| 50 | 8.846 |
| 51 | 8.808 |
| 52 | 8.768 |
| 53 | 8.724 |
| 54 | 8.678 |
| 55 | 8.627 |
| 56 | 8.572 |
| 57 | 8.512 |
| 58 | 8.446 |
| 59 | 8.371 |
| 60 | 8.287 |
| 61 | 8.194 |
| 62 | 8.093 |
| 63 | 7.982 |
| 64 | 7.862 |
| 65 | 7.731 |
| 66 | 7.591 |
| 67 | 7.431 |
| 68 | 7.262 |
| 69 | 7.083 |
| 70 | 6.897 |
| 71 | 6.703 |
| 72 | 6.502 |
| 73 | 6.296 |
| 74 | 6.085 |
| 75 | 5.872 |
| 76 | 5.657 |
| 77 | 5.443 |
| 78 | 5.229 |
| 79 | 5.018 |
| 80 | 4.812 |
| 81 | 4.611 |