Commuted Pension Calculator 2026
Calculate the lump sum from commutation of pension using the official CCS commutation factor table.
Lump Sum CCS Factor Table 15-Yr Restoration
Factor used (age next birthday): 8.194
Commutation Result
Full Monthly Pension
₹50,000
Commuted Portion
₹20,000/mo
Lump Sum Received
₹19,66,560
Commuted × 12 × 8.194
Reduced Pension
₹30,000/mo
✓ Full pension of ₹50,000 restored on 05 Jul 2041 (15 years after commutation).
CCS Commutation Factor Table
| Age (next birthday) | Commutation Factor |
|---|---|
| 20 | 9.188 |
| 21 | 9.187 |
| 22 | 9.186 |
| 23 | 9.185 |
| 24 | 9.184 |
| 25 | 9.183 |
| 26 | 9.182 |
| 27 | 9.180 |
| 28 | 9.178 |
| 29 | 9.176 |
| 30 | 9.173 |
| 31 | 9.169 |
| 32 | 9.164 |
| 33 | 9.159 |
| 34 | 9.152 |
| 35 | 9.145 |
| 36 | 9.136 |
| 37 | 9.126 |
| 38 | 9.116 |
| 39 | 9.103 |
| 40 | 9.090 |
| 41 | 9.075 |
| 42 | 9.059 |
| 43 | 9.040 |
| 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 |