ccapunjab.gov.in : Calculate Pension For Central Government & BSNL Employees Punjab

Name of the Organization : Punjab Controller of Communications Accounts (ccapunjab.gov.in)
Type of Facility : How to Calculate Pension For Central Government & BSNL Employees in Punjab?
Location : Chandigarh

Website : http://cgca.gov.in/ccapb/index

How to calculate pension for central government & BSNL employees?
Pensioner’s Calculator(With 6th Pay Commission) :
Step I : Fill the Service details
Step II : Calculate Average Emoluments
Step III : Calculate Your Pensionary Benefits.

Pension Calculation Sheet(CCA Punjab Circle) :
For Central Govt. Employee’s
Name Of The Pensioner :
Date of Birth :
Date of Joining :
Date of Retirement :
Net Qualifying Years :
Pension :
Residuary Pension :
Family Pension :
Graduity :
Commutation :

Calculate Here : http://cgca.gov.in/ccapb/index

The quantum of pension/family Pension available to the old pensioners/Family Pensioner shall be increased as follows :-
Age of Pensioner/Family Pensioner : Additional quantum of pension/Family Pensioner
From 80 years to less than 85 years : 20% of basic pension
From 85 years to less than 90 years : 30% of basic pension
From 90 years to less than 95 years : 40% of basic pension
From 95 years to less than 100 years : 50% of basic pension
100 years or more : 100% of basic pension

Print Here : http://cgca.gov.in/ccapb/index

Pension and Retirement Benefits :
Consequent on the corporatisation of the service providing arm of the Department of Telecom and the promulgation of Rule 37A of the CCS Pension Rules, as per which the Government has taken the responsibility for payment of pension to the erstwhile government servants absorbed in the PSU, the CCA Office is responsible for budgeting of pension expenditure and authorization and issue of Pension Payment Orders for Telecom pensioners including those retiring from MTNL and BSNL. It liaisons with banks to ensure proper application of rules and regulations and for smooth disbursement of pensions. The CCA Office also carries out post audit/post check of pension payments. The pension cases and other retirement cases are processed by the SSAs of the field units in BSNL and sent directly to the CCA Offices. The CCA Office issues PPOs and the authorities for DCRG, Commutation payment, family pension authority, authority for payment of the accumulation CGEGIS – 1980, CGEGIS – 1977, to those on deemed deputation to the BSNL and also for those who opt to get absorbed in BSNL.

Processing of Pension Benefits in CCA Office :
Pension cases are supposed to be received in the CCA Office at least six months before date of retirement of the employee. The CCA Office checks the pension case to verify whether all the required documents have been submitted by the SSA/Unit in support of the pension case as per Checklist for Complete pension Case.

The CCA Office verifies the Qualifying Service from point of view of continuity and eligibility for pensionary benefits. For this purpose notes recorded by DDO in the Service Book regarding annual Verification of Service are checked. The correctness of pay drawn during last two years is verified by the CCA Office. After the above checks are completed, calculations of Pensionary benefits are made as per procedure given in the section on know your Retirement Benefits. In a situation where the retirement benefit case has reached the CCA Office in the prescribed time frame and all the formalities/ informations are completed the CCA Office is in a position to issue the PPO one month in advance of the Date of Retirement as prescribed by Pension Rules. Similarly the Authority for DCRG and Commuted value of Pension is prepared to be handed over to the pensioner well in time.

Know your Retirement Benefits (BSNL Retirees) :
Pension :
Pension is admissible to permanent employees who retire with a qualifying service of not less than ten years. Temporary employees who retire on superannuation or invalidation after rendering not less than ten years of service or retire voluntarily after 20 years continuous service are also eligible for pension.

Emoluments for Pension :
The emoluments for the purpose of all pensionary benefits (other than gratuity) shall be equal to Basic Pay plus Dearness Pay (whenever applicable).

Amount of Pension :
Amount of pension is related to the length of qualifying service and average of ‘emoluments’ drawn during ten months immediately preceding the date of retirement or Last Pay Drawn, whichever is higher. W.e.f. 2-9-2008, full pension is admissible to an employee with qualifying service of not less than twenty years instead of 33 years. The amount of pension will be 50 % of the average emoluments or Last Pay Drawn, whichever is higher. Employees having lesser qualifying service (but not less than ten years) will get pension proportionate to the amount admissible for qualifying service of twenty years/33 years as the case may be.

Example :
Last Pay Drawn = Rs. 12,975.
Qualifying service = 19 years.
Pension for 20 years of qualifying service :
50% of Last Pay Drawn : Rs. 12,975 = Rs 6,487.50
Pension for 19 years of qualifying service : Rs. 6,487.50 x 19/20 = Rs. 6163.12 = 6164 p.m. (rounded off to the next higher rupee)

Minimum Pension :
The minimum pension shall be 50% of the minimum of the lowest pay scale.

Retirement/Death Gratuity :
(a) Retirement Gratuity is admissible to all employees who retire after completion of 5 years of qualifying service at the rate of ‘one-fourth of emoluments for each completed six monthly period of qualifying service subject to maximum of 16 1/2 times’ the emoluments.

Emoluments for Gratuity :
Emoluments for the purpose of all types of gratuities shall be equal to Basic Pay plus Dearness Pay(wherever applicable) plus IDA (as applicable).

Maximum amount of Gratuity :
W.e.f. 1.1.2006, the maximum amount of gratuity has been raised to 10 lacs from 3.50 lacs.

Example :
Qualifying service = 32 1/2 years or 65 six monthly periods.
Emoluments = Rs. 18150
Gratuity = 18150 x 1/4 x 65 = 294937.50 = Rs. 2,94,938 (rounded off)

(b) Death Gratuity is paid to the family of a Govt. servant who dies while in service, at the rates given below :
Length of qualifying service
Rate of death gratuity

(i) Less than 1 year = 2 times of emoluments.
(ii) One year or more but less than 5 years = 6 times of emoluments.
(iii) 5 years or more but less than 20 years = 12 times of emoluments.
(iv) 20 years or more = Half of emoluments for every completed six-monthly period of qualifying service subject to a maximum of 33 times of emoluments.

Family Pension :
Family pension is payable to the family of an employee/pensioner on his death in service/after retirement.

Normal family pension :
The monthly family pension is based on the Basic Pay plus Dearness Pay(wherever applicable) drawn on the date of death or on the date of retirement, as the case may be, and is admissible at a uniform rate of 30% of pay last drawn.

Enhanced Family Pension :
A higher rate of family pension is admissible if the deceased had rendered not less than seven years’ of service. It is payable from the date following the date of death of the pensioner for a period of seven years or up to the date on which he would have attained the age of 67 years had he survived, whichever is less. In case of death while in service, the enhanced family pension will be admissible for a period of ten years without any upper age limit.

Commutation of Pension :
Every pensioner is eligible to commute a portion of his monthly pension for a lump sum payment which is the commuted value of that portion of pension. An employee or pensioner against whom departmental or judicial proceedings are pending is not eligible to commute a portion of his pension till completion of such proceedings.

Amount admissible :
Not exceeding 40% of monthly pension. Any fraction in the amount offered for commutation will be ignored; e.g. if the monthly pension is Rs. 3500 then the maximum amount admissible for commutation is :

Rs. 3500 x 40/100 = 1400 = Rs. 1400 only. Commutation Amount is calculated w.r.t the Commutation factor taken from Commutation Table as relevant to the age next birthday.

The formula for working out the lump sum payable is as follows :
Amount of pension offered for Commutation x 12 x Commutation factor

Example :
Amount of pension offered for Commutation = Rs. 1400
Age next birthday = 61 years
Commutation Factor = 8.194
Lumpsum Payable = 1400x 12 x 8.194 = 137659.20 = Rs. 137660 (rounded off)

The reduction in the amount of pension on commutation will become operative from the date of receipt of the commuted value by the pensioner, or at the end of three months after the issue of authority for payment, whichever is earlier.

The restoration of the commuted portion of pension will be admissible on completion of 15 years, for which the pensioner should apply to the pension disbursing authority i.e., Post office / Bank in the prescribed Performa.

Encashment of Earned leave :
Lump sum cash equivalent of leave salary admissible for the number of days of earned leave at the credit of the employee on the last day of his service, subject to a maximum of 300 days including the number of days for which encashment was availed along with LTC, is granted by the authority competent to sanction leave. The amount of leave encashment payable is worked out in the following manner.

Pay+IDA admissible on the date of cessation of service x No. of days of EL at credit

Example :
Date of Retirement = 31.8.2009
EL at credit = 300 days
Basic Pay = Rs. 15000
IDA = 71% DA = 21%
Lumpsum admissible = (15000+10650)x300/30 = Rs. 256500

Contact Us :
For Any Complaints/Suggestions please e-mail to : ccapunjab@gmail.com