Pension Comparison Tool

NPS vs APS Calculator

Kerala Government Employees — Pension Projection with Pay Revision Schedule

Your Details

Basic Pay (₹)

Current DA %

Join Year

Join Month

Retire Year

Govt NPS %

Inflation %

APS Monthly Pension

₹64734

32 yrs service · 50% of basic

APS Gratuity (DCRG)

₹1325744

Based on last gross pay

NPS Monthly Pension

₹40233

40% annuity at 6% p.a.

NPS Lump Sum (60%)

₹12069791

Total corpus: ₹2.01Cr

APS gives higher monthly pension

Difference: ₹24,501/month · NPS also gives ₹1.21Cr lump sum at retirement

APS total service: 32 yrs · Last basic: ₹1.29L· Last gross: ₹1.66L

Monthly Pension Comparison

NPS Corpus Breakdown at Retirement

Estimates based on projected pay revisions every 5 years. Actual figures depend on GOK orders. NPS return assumed at 10% p.a. APS pension = 50% of last basic (30+ yrs service).