How Army Pension Is Calculated in India (2025)
The Indian Army pension system for JCOs, ORs and Officers is governed by the Ministry of Defence (MoD) and implemented through PCDA (Pensions). Pension is calculated based on last drawn emoluments, qualifying service, and applicable Pay Commission rules.
Key Components of Pension Calculation
- Qualifying service (minimum 20 years for full pension)
- Last basic pay + MSP (where applicable)
- Dearness Allowance (DA)
- Commutation of pension
Official Sources
Data used in this calculator is based on publicly available documents from:
- Ministry of Defence (MoD)
- PCDA (Pensions)
- 7th Central Pay Commission
This tool provides an estimate only and does not replace official PPOs.