This NPS calculator for government employees is built for Central and State Government staff covered by NPS. It takes your basic pay and current DA (63% from 1 July 2026), adds the 10% employee and 14% Government contributions on Basic + DA, and grows them with your pay to show the corpus, tax-free lumpsum and pension at retirement.
Monthly NPS contribution by 7th CPC pay level
At the entry basic of each level and DA of 63%:
| Pay level (entry basic) | Basic + DA | Your 10% | Govt 14% | Corpus at 60 if you join at 30* |
|---|---|---|---|---|
| Level 1 (Rs. 18,000) | Rs. 29,340 | Rs. 2,934 | Rs. 4,108 | Rs. 2.57 crore |
| Level 4 (Rs. 25,500) | Rs. 41,565 | Rs. 4,157 | Rs. 5,819 | Rs. 3.65 crore |
| Level 6 (Rs. 35,400) | Rs. 57,702 | Rs. 5,770 | Rs. 8,078 | Rs. 5.06 crore |
| Level 7 (Rs. 44,900) | Rs. 73,187 | Rs. 7,319 | Rs. 10,246 | Rs. 6.42 crore |
| Level 10 (Rs. 56,100) | Rs. 91,443 | Rs. 9,144 | Rs. 12,802 | Rs. 8.02 crore |
| Level 11 (Rs. 67,700) | Rs. 1,10,351 | Rs. 11,035 | Rs. 15,449 | Rs. 9.68 crore |
| Level 12 (Rs. 78,800) | Rs. 1,28,444 | Rs. 12,844 | Rs. 17,982 | Rs. 11.27 crore |
*Assumes 6% yearly growth in pay (increments, promotions, pay commissions), 9.5% return. The corpus is in future rupees: it looks large because salaries 30 years from now will be much higher too.
How NPS works for government employees
- Who is covered: Central Government employees joining on or after 1 January 2004 (except armed forces), and employees of states that adopted NPS.
- Contributions: 10% of Basic + DA from you, 14% from the Central Government. Many states also pay 14%; a few still pay 10%.
- Investment: by default, split among SBI, LIC and UTI pension funds. You may choose Scheme G (100% G-secs), LC25 or LC50 instead.
- At retirement: at least 40% of the corpus buys an annuity; up to 60% is a tax-free lumpsum.
- Tax: the Government’s 14% is deductible under 80CCD(2) in both regimes.
NPS or UPS?
Central Government NPS employees could opt for the Unified Pension Scheme, which pays an assured 50% of average basic pay for 25 years of service. The choice involves a trade-off: UPS gives a guaranteed, inflation-linked pension; NPS usually gives a much bigger lumpsum and leaves a corpus. Put your numbers into the UPS vs NPS calculator before deciding anything, and read the UPS guide.
Effect of the DA hike on your NPS
Because contribution is on Basic + DA, every DA hike raises your PRAN credit. The 3% hike to 63% from July 2026 adds 0.3% of basic from you and 0.42% from the Government each month. On a basic of Rs. 45,000 that is Rs. 135 more from you and Rs. 189 more from the Government every month. See the DA calculator.
Frequently asked questions
What is the Government contribution in NPS for central employees?
14% of Basic Pay + DA, credited monthly with your 10%.
How much pension will a government employee get from NPS?
It depends on the annuity bought with at least 40% of the corpus. Run the calculator with your basic pay, age and expected return. For a rough guide, every Rs. 10 lakh of annuity pays about Rs. 5,400 a month at 6.5%.
Is gratuity available to NPS government employees?
Yes. Central Government NPS employees get retirement gratuity and death gratuity, up to Rs. 25 lakh. Use the gratuity calculator.
Can a government employee withdraw NPS before retirement?
Partial withdrawal of up to 25% of own contributions is allowed for specified purposes. Premature exit on resignation requires 80% annuitisation unless the corpus is small.