RBI Repo Rate: 6.50% SBI Home Loan: 8.50% HDFC Home Loan: 8.70% SSY Rate: 8.20% (Tax-Free) PPF Rate: 7.10% (EEE)
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Switch Tool: Home Hub Loan EMI SIP & Mutual Fund Sukanya (SSY) PPF (7.1%) Bank FD & RD NPS & Gratuity

NPS Pension, Gratuity (15/26) & Leave Encashment Calculator

Comprehensive retirement settlement planner for Central/State Govt, Armed Forces, PSU, and Corporate employees.

₹
Now
Retire
%
₹
Yrs
Days
Total NPS Retirement Corpus
₹76,56,969
Monthly Pension + Tax-Free Lumpsum
NPS 60% Tax-Free Lumpsum ₹45,94,181
Estimated Monthly Pension (40% Annuity) ₹16,590 / month
Gratuity Payable (15/26 Formula) ₹7,50,000
Leave Encashment Payout ₹5,59,000
Total Lumpsum Cash in Hand (NPS 60% + Gratuity + Leave) ₹59,03,181
60% Tax-Free Lumpsum
40% Pension Annuity

Gratuity (15/26) & Leave Encashment Formulas in India

Gratuity = (15 × Last Drawn Basic + DA × Completed Years of Service) / 26
Leave Encashment = ((Basic Pay + DA) / 30) × Accumulated Earned Leave Days

To deploy your retirement lumpsum efficiently, compare monthly payout options in our Senior Citizen & Bank FD Calculator or systematic wealth compounding in the Mutual Fund SIP Calculator.

Explore All Interlinked HISSABBHARAT Financial Calculators

Every tool is directly linked for seamless cross-comparison between bank loans, mutual fund SIPs, and government schemes.

All Calculators Hub → Compare SBI, HDFC, ICICI, PNB loan rates & search all HISSABBHARAT calculators. Home, Car & Personal Loan EMI → Calculate Home, Car & Personal loan EMI with annual prepayment savings. SIP, Step-Up SIP & Lumpsum → Mutual fund monthly SIP, annual Step-Up SIP & Lumpsum wealth compounding. Sukanya Samriddhi Yojana (8.2%) → Sukanya Samriddhi Yojana 8.20% tax-free maturity & 21-year passbook table. Public Provident Fund (15+ Yrs) → Public Provident Fund 7.10% interest with 15, 20, 25 & 30-year blocks. Fixed & Recurring Deposit → Indian Bank Fixed & Recurring Deposit with Senior Citizen +0.50% & TDS alert. NPS, Gratuity & Leave Encashment (Current Page) NPS pension, 15/26 Gratuity formula & Earned Leave Encashment calculator.