Bank Pensioner DR Calculator

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Enter Details

Step 1 — BPS / Retirement Batch

Step 2 — Cadre

Step 3a — Scale

Step 3b — Last Basic Pay (₹)

Last Basic Pay—

Basic Pension (50%)—

Step 4 — DR Half-Year

Step 5 — Enter New CPI (2016=100)

Month 1

Month 2

Month 3

—

Month 1

—

Month 2

—

Month 3

🔄 Auto-converted to Old CPI (1960=100) · Formula: New × 2.88 × 4.63 × 4.93

CPI Average —

Calculated DR %

DR Rate (from CPI)

—

Enter CPI values above

Step 6 — Existing DR % (editable)

Update each Feb/Aug when IBA announces new DR rate.

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Results Will Appear Here

Select BPS, cadre, basic pay,
enter CPI values and click Calculate.

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✂️

Commutation Results Here

Enter basic pension and commuted amount
to see the impact on monthly pension.

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Family Pension DR

Step 1 — BPS / Batch of Deceased

Step 2 — Family Pension Basic (₹)

Family pension = typically 30% of last basic pay. Enter the actual family pension amount being drawn.

Step 3 — New CPI Values (2016=100)

Month 1

Month 2

Month 3

—

Month 1

—

Month 2

—

Month 3

🔄 Auto-converted to Old CPI (1960=100) · Formula: New × 2.88 × 4.63 × 4.93

CPI Average —

Step 4 — Existing DR % (editable)

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Family Pension Results Here

Enter BPS batch, family pension basic
and CPI values to calculate DR.

Pension Gap — Why Updation Is Needed

Compare same scale & stage across 10th, 11th & 12th BPS to see the pension gap — the core argument for pension updation.

Scale

Stage

DR Rates for Comparison

10th BPS

11th BPS

12th BPS

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⚠ Disclaimer: Educational purposes only. DR based on IBA circular CIR/HR&IR/76/D/2025-26/2911 (Feb 2026) and 10th/11th/12th BPS provisions. Ex-gratia as per 12th BPS Clause 13. June 2026 CPI is estimated. Not official IBA/RBI communication. Verify with your bank HR/pension department.