CCS Pension Rules, 1972 |
CCS Pension Rules, 1972: A brief Introduction |
The CCS Pension Rules, 1972 is a set of rules that were formulated by the Government of India to provide pension benefits to Central Government employees who were appointed before January 1, 2004. CCS stands for Central Civil Services, which includes all the civil services and posts under the Central Government, except for the Armed Forces. The rules cover various aspects related to the pension scheme such as eligibility, computation of pension, gratuity, family pension, commutation of pension, and more. The aim of these rules is to provide financial security and stability to the employees after their retirement from government service. The CCS Pension Rules, 1972 have been amended from time to time to keep up with changing circumstances and to improve the pension benefits for the employees. The latest amendment to these rules was made in 2020, which introduced a new option for pension commutation and revised the guidelines for family pension |
Computation of Pension | |
Computation of Pension: The pension is calculated based on the average emoluments earned by the employee during the last 10 months of their service. The amount of pension is 50% of the average emoluments, subject to a minimum pension of Rs. 9,000 per month and a maximum pension of 50% of the highest pay in the Government of India. Calculation of Commutation Pension:
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Gratuity |
A retiring employee is eligible for a gratuity equivalent to 16.5 times the last drawn emoluments subject to a maximum of Rs. 20 lakhs. |
Family Pension |
Family Pension: In case of the death of an employee, a family pension is payable to their spouse or dependent children. The family pension will be paid at an enhanced rate i.e. 50% of the pay last drawn if the employee died in service for a period of 7 years or until the age of 67 years, whichever is earlier. (Dependent parents are not eligible for enhanced family pension). Thereafter, the family pension shall be paid at the rate of 30% of the pay last drawn. The family pension is payable for life to the dependent spouse. Family pension is payable to the family of : i) A Govt. Employee who dies while in service. ii) A Govt. Pensioner who dies after retirement. Under revised pay structure (7th CPC), Family pension is 30% of basic pay subject to the Minimum Rs. 9,000 and Maximum Rs. 75,000/- Family pension is available under Rule 50 of the CCS(Pension Rules), 2021 but excludes : Dearness Relief |
Commutation of Pension |
The employee can commute a portion of their pension, not exceeding 40% of their pension, into a lump sum payment at the time of retirement. If a government pensioner applies for commutation of his pension after his superannuation, within 1 year, the commuted value of the pension becomes payable on the date of receipt of the application by the Head of Office. The commutation factor is based on the age of the pensioner on the Next birthday. The commutation portion of the pension will be restored on the expiry of 15 years from the date of retirement if the commutation amount is received in the First month of retirement. All pensioners applying for commutation after 1 year from the date of retirement, commuted their pension after Medical Examination. Benefits of Commutation of pension cannot be given to the family members if a pensioner dies before exercising the option. |
Extra Ordinary Pension |
If an employee sustains injuries, diseases or dies due to attributes of government service, he/his family becomes eligible for the grant of an award under the CCS(Extraordinary Pension) Rules, 1939. Compensation payable for death or disability under different circumstances, the cases are categorized in five distinct categories as : Category A, Category B, Category C, Category D & Category E. Constant attendance allowance is granted to pensioners who retire on a disability pension with 100% disability and are completely dependent on somebody for day-to-day function. Constant Attendance allowances is Rs. 6,750 p.m over and above disability pension. |
Some important Pension Rules: | |
Pension Rule | Description |
Rule 9 | Extraordinary Pension |
Rule 11 | Commutation of Pension |
Rule 33 | Leave Salary |
Rule 38 | Disability Pension |
Rule 39 | Pro-rata Pension |
Rule 40 | Retirement on Invalidation |
Rule 48/48-A | Notice tendered by a Government servant for Voluntary Retirement |
Rule 49 | Eligibility of Pension, In calculating the length of qualifying service, fractions of a year equal to three months and above shall be treated as a completed one half-year and reckoned as qualifying service. |
Rule 49(2) | Qualifying Service |
Rule 50 | Computation of Pension |
Rule 50-A | Gratuity |
Rule 52 | Dearness Relief |
Rule 54 | Enhanced Family Pension |
Rule 64 | Provisional Pension |
Rule 69 | Provisional Pension, where departmental of judicial proceedings may be pending |
Additional pension/ additional compassionate allowance:
Age of Pensioner | Additional pension/ additional compassionate allowance |
From 80 years to less than 85 years | 20% of basic pension/ compassionate allowance |
From 85 years to less than 90 years | 30% of basic pension/ compassionate allowance |
From 90 years to less than 95 years | 40% of basic pension/ compassionate allowance |
From 95 years to less than 100 years 100 years or more | 50% of basic pension/ compassionate allowance 100% of basic pension/ compassionate allowance |
