Punjab Pension Calculator
Estimate your gross pension, gratuity lump sum and net monthly pension as a Punjab government employee.
Uses the standard formula used in Punjab: gross = (emoluments x service capped at 30 years x 7) / 300. Gratuity = commuted monthly amount x 12 x commutation factor. Simplified estimator - medical and ad hoc allowances are excluded. Verify your figures with the Accountant General Punjab or your district accounts office.
Punjab’s civil servants — teachers, health staff, police, district administration — retire under the Punjab Civil Servants Act 1974 and the commutation table issued by the provincial Finance Department. The math matches the standard federal-style formula (last emoluments × qualifying service × 7/300, 70% cap, up to 35% commutation), but Punjab issues its own budget increases, minimum pension floors, and family-pension rules. Our free Punjab pension calculator computes your gross pension, commuted lump sum, and net monthly pension under the Punjab framework.
The Formula
Gross monthly pension = Last monthly emoluments × min(qualifying service, 30) × 7 ÷ 300
- 30 years = 70% of last pay (maximum); each year under 30 costs 7/300
- Commutation up to 35% via the age-next-birthday table factor (e.g. 14.0 around standard retirement ages)
- Punjab’s own pension increases (announced in the provincial budget) apply on the net pension
How to Use
- Enter last drawn monthly emoluments and qualifying service.
- Choose commutation 0–35%.
- Click Calculate — gross, lump sum, and net monthly pension shown.
Notes
- Punjab-specific: minimum pension floors and family-pension percentages follow Punjab Finance Department notifications — the tool computes the core; budget increases layer on top.
- AG Punjab (Accountant General Punjab) finalises papers — your service record and last pay certificate must be correct before retirement paperwork starts.
- Retirement age: generally 60 (with 25+25 rules and provincial variations by service).
Frequently Asked Questions
Is Punjab pension different from federal pension?
The core formula is the same; increases, minimums, and administrative rules come from the Punjab budget and Punjab Finance Department — not Islamabad.
What is family pension in Punjab?
Survivors (widow/widower, then children) draw family pension per Punjab’s rules — percentages and conditions are notified by the Finance Department.
When does commutation restore?
After the period derived from the commutation factor (commonly around 12–15 years), per the table — then the full pension resumes.