A-Z in Pension 

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  • Absorption
  • General  (Rule 37)

    Pension on Absorption (in a Corporation Company/Body) : Granted on absorption in Corporation/Company/Body wholly owned or Controlled by Govt. carry forward of EL is also allowed from 31-03-1987.

    Permanent  absorption to BSNL by exercising option and getting absorbed on issue of Presidential Order, by the competent authority and covered under Rule 37-A of CCA Pension Rules.

    Rules on the Absorption to BSNL Rule 37-A enables grant of
    (a) Pension/Family Pension to BSNL absorbees
    (b) On Voluntary Retirement from BSNL


  • Last Pay Drawn (LPD)
  • Pay drawn in the regular / promotional post for fixing the quantum of pension.

  • Average Emoluments
  • Average Emoluments will be determined with reference to ‘Emoluments’ drawn by the Government Servant during the last ten months of his service, if found most beneficial than LPD.

  • Retirement Gratuity:
  • As per the table prescribed based on 33 years of qualifying service and limited to a maximum of Rs.10 Lakh

  • BSNL Medical Reimbursement Scheme
  • BSNL MRS is the scheme introduced w.e.f. 15.2.2003 for all BSNL staff and pensioners as per which BSNL staff and pensioners are eligible for a fixed amount, quarterly, as per Rules on the subject.

  • Calculation of commuted value of pension
  • The lump sum payable to an applicant shall be calculated in accordance with the revised Table of the values applicable to him on the date on which the commutation becomes absolute. The amount of commuted value shall be rounded off to the next higher rupee.



    Commutation Table

    Age Next Birthday

    Commutation Factor

    Age Next Birthday

    Commutation Factor

    Age Next Birthday

    Commutation Factor


















































    Calculation: % of pension commuted or amountx 12 x commutation factor.

  • Central Dearness Allowance (CDA)
  • CDA is declared by the Central Govt. w.e.f. 1 st January and 1 st July every year and the revision will be effected to the pensioners by the Pension Disbursing Authority concerned 

    For BSNL pensioners granted at prescribed rates as admissible from time to time. Both CDA and  IDA are calculated on Gross Pension admissible.

  • Claim for Family Pension and Death Gratuity
  • If the family of the deceased Government Servant is eligible for the Family Pension, the widow or widower should prefer a claim in Form 14. of CCS Pension Rules. If the deceased Government Servant is survived by only minor child/children, the guardian of the child/children may prefer the claim. 

  • Compensation Pension
  • Compensation Pension is granted to a government servant who is discharged from public service on account of abolition of his permanent post when a suitable appointment of equal rank cannot be found for him. If a lower post is offered and not accepted by the Government servant, even then compensation pension is admissible.

  • Compulsory Retirement Pension
  • Pension granted on Compulsory retirement of a Government Servant (is one of the major statutory penalties that can be imposed upon the Government Servant under the CCS(CCA) Rules. Imposition of this penalty will be resorted to in cases where in continuance of a government servant in service is considered to be undesirable, but the extreme penalties of removal or dismissal, with the consequent loss of pension, is considered to be too severe.)

  • Commutation of Pension
  • Maximum of 40% of the pension can be commuted.

    without medical examination, in case of superannuation/ Retiring/ Compensation/ Absorption Pensions -- within one year from the date of such event.

    With medical examination in case of invalidation/Compulsory Retirement/ Compassionate Allowance, and in case it is applied for under (a), after one year from date of such event .

    Family Pension not commutable.

  • Death Gratuity
  • Granted to family in case of death while in service.

  • Emoluments
  • Emoluments for purposes of calculating various pensionary benefits other than Service/Retirement/Death Gratuity shall mean ‘basic pay’ as defined in FR 9 (21) (a) (i) ( and includes stagnation increment non-practising allowance, if any) which the Government Servant was receiving immediately before his retirement or on the date of death while in service. Dearness Pay is also construed as Emoluments wherever applicable.

  • Non Employment Certificate
  • A certificate of non-employment should be furnished periodically, in the prescribed format to the Pension Disbursing Authority. For Group-A officers, obtaining prior permission from the competent authority before accepting employment within two years from the date of retirement is obligatory.

  • Enhanced Family Pension (EFP)
  • The higher rate of family pension is payable from the date following the date of death of the Government Servant for a period of seven years or for the period up to the date on which the deceased Government Servant would have attained the age of 65 years (67 years if the Government servant had retired on attaining 60 years of age after 12-5-1998) had he survived, which ever is earlier. In cases of death in harness EFP payable for 10 years w.e.f. 01.01.2006

  • Extra-Ordinary Pension
  • Under the provisions of Central Civil Service (Extraordinary Pension) Rules, 1939, a Government servant, whether temporary or permanent who becomes disabled permanently while in service and if the disablement is due to wound, injury or disease which is attributable to Government service , or existed before or arise during Government Service and has been and remains aggravated thereby may be granted monthly pension. If such Government servant continues in government service, the award under these rules will be made in lump sum and not on monthly pension basis.

  • Family Pension (FP)
  • Family Pension is granted to the family of a Government Servant in the event of his death while in service or after retirement. This was introduced with effect from 1 st January, 1964. Under this scheme, in the event of the death of a Government Servant while in service or after retirement, his family will get family pension

    in the case of death while in service-

    If the government servant completed a minimum period of one year service,


    If the government servant has not completed a minimum period of one year service, the government servant is eligible if medically examined and found fit for appointment under the Government as the case may be

    In the Case of death after retirement

    If the government servant was on the date of death, in receipt of pension or compassionate allowance.

  • Fixed Medical Allowance (FMA)
  • FMA @ Rs.100/- per month w.e.f. 01.12.1997 ispayable to the Pensioners/Family Pensioners residing in an area not covered by CGHS or other Departmental Dispensaries after furnishing a declaration to the effect that the pensioner is not covered by the above schemes BSNL pensioners are not eligible to draw FMA w.e.f. 01.3.2003, on introduction of BSNL MRS.

  • Guardian
  • A guardian (natural guardian or legally appointed guardian) can apply in the prescribed form as per CCS Pension Rules for the pensionary benefits of a government servant, on behalf of eligible minor children of the deceased government servant.

  • Industrial Dearness Allowance (IDA)
  • IDA is declared by the DOT HQ w.e.f. 1 st January, 1 st April, 1 st July and 1 st Oct., every year and the revision will be effected to the BSNL(IDA) pensioners by the Pension Disbursing Authority concerned

  • Invalid Pension
  • Invalid Pension is granted on retirement from the public service to a Government servant who is permanently incapacitated for further service by bodily or mental infirmity. The amount of invalid pension granted to him shall not be less than the amount of ‘ Family Pension’ –admissible under the rules.

  • Last Pay Certificate (LPC)
  • Certificate showing the details of pay and allowances drawn on the last working day.

  • Last Pay Drawn
  • Pay drawn by the Government Servant on the last working day/month.

  • Life Certificate
  • Life Certificate, in the prescribed form, should invariably be obtained by the Pension Disbursing Authority before payment of Pension for the month of November every year.

  • Minor Children
  • Minor Children of government servants, if eligible to receive the pensionary benefits of the government servants, they may do so through a natural guardian or a legal guardian appointed by the competent court of law.

  • Nomination
  • Nomination should be furnished by the Government Servant in the prescribed format all the necessary columns duly filled for Paying the dues to the members of the family for the following items such as

  • Nominee
  • The person nominated by the Government Servant to receive the dues.

  • Non-Qualifying Service (NQS)
  • Periods of Suspension, Overstayal of leave/joining time, EXOL without MC, Dies – Non and Interruptions declared as not qualifying for pension, Apprentice service except SAS Apprenticeship.

  • Pension
  • Pension is an objective and a cherished goal one works up to and looks forward to. It is the culmination of the long journey in one’s service career.

    The Supreme court has held that pension is a valuable right vested in a government servant and that the right to receive pension is property under Article 31(1) of the Constitution and if it is denied to an employee, a writ of mandamus could be issued to the state of properly considering the claim of the pensioner for payment of pension according to law. Pension shall continue to be 50% of LPD or ‘Average Emoluments’ whichever is beneficial.

    Minimum pension with effect from 01.01.1996 is Rs.1275 pm; 01.01.2006 is Rs.3500 pm:
    Maximum pension with effect from 01.01.1996 is Rs.15000 pm; 01.01.2006 is Rs.45,000 pm:

    The full pension is available if the government servant renders 20 years service or more.

  • Pension Disbursing Authority(PDA)
  • Pension Disbursing Authority is either the Post Master of the Post Office or the Branch Manager of the Bank from where a Pensioner is receiving his Pension.

  • Pension Payment Order (PPO)
  • Pension Payment Order in two parts (Pensioner’s Half and Disburser’s Half) are  issued by the Competent Authority and sent to the Pension Disbursing Authority for effecting payment of monthly Pension/Family Pension and other allowances as shown in the Pension Payment Order after handing over the Pensioner’s Half to the Pensioner/Family Pensioner. The Pensioners’ half shall be made over to the pensioner by the PDA on the first payment of pension/family pension.

  • Qualifying Service
  • Re-employed Pensioners
  • Re-employment under Government is possible in two ways

    1) After superannuation or retiring pension.
    2) After compensation gratuity/pension or invalid gratuity/pension.

  • Remarriage Certificate
  • Certificate of non-marriage should be furnished by the family pensioners every month at the time of receiving pension from the Pension Disbursing Authority.

    If the family pensioner furnishes certificate that he/she is married the family pension should be stopped forthwith and the Both Half of PPOs should be returned to the Pension Authorising Authority by the PDA.

  • Restoration of Commuted Portion of Pension
  • Commuted portion of pension shall be restored after completion of fifteen years from the date of retirement if the commutation is simultaneous with retirement. In other cases, the Commuted portion of pension will be restored after 15 years from the date of commutation, i.e. from the date on which reduction in pension on account of commutation became effective. On restoration of commuted portion of pension, the pensioner can draw the amount of original pension. For this purpose, the pensioner should apply to the Pension Disbursing Authority in the prescribed form.  The PDA shall restore the commuted portion from the date(s) already indicated in the PPO / Pension authority.

  • Retirement Gratuity
  • Lump sum at the rate of half a month’s emoluments for each completed six monthly period, in case of retirements before completion of 10 years of qualifying service.

  • Retiring Pension
  • Retiring Pension is granted (i) to a Government Servant who retires voluntarily or is Retired in advance of the age of retirement, in accordance with the Provisions of Rule 48 of CCS (Pension) Rules 1972 or Rule 56 of the Fundamental Rules .i.e.., Voluntary retirement on completion of 20 years of qualifying service is permissible for Central Govt. Staff and for BSNL staff 10 years of qualifying service under Rule 37-A of CCS (Pension) Rules.

  • Revision of Pension
  • Revision of Pension will be done by the Competent Authority, whenever occasion arises either due to revision of pay and allowances of the government servant at service or due to announcements under Pay Commission, etc. The Revision authorities will be issued to the respective Pension Disbursing Authority for effecting necessary arrears, if any due.

  • Scale of Pay
  • Pay band with grade pay / prescribed scale of pay with yearly increment depending on the designation/grade which the government servant holds as per the orders of Government of India / BSNL.

  • Service Gratuity
  • Lumpsum at the rate of half a month’s emoluments for each completed six monthly period, in case of retirements before completion of 10 years of qualifying service.

  • Stepping up of Pension
  • Pension could be stepped upto the Mithe Minimum Pension admissible,. Before commutation, if the pension worked out is less than the Minimum.
    Pension should also be stepped to half of the Minimum of the Pay scale drawn at the time of retirement, if the government servant had put in the prescribed qualifying service.

  • Superannuation Pension
  • Superannuation Pension is granted to a Government Servant who retired on Attaining the age of retirement (Rule 35). Age of Retirement on Superannuation is enhanced from 58 years to 60 years (effective from 13-05-1998).

  • Weightage in Service

    No weightage  on qualifying service is permissible on voluntary retirement.

    As per BSNL Corporate office, New Delhi Memorandum No. 31-04/2004-Pen/BSNL Dated 8/10/2004, after examining the matter in consultation with BSNL Finance and Department of Telecom, it was clarified that after notification of CCS(Pension) Amendment Rules, 2002, Rule 48 and Rule 48A of CCS(Pension) Rules, 1972 are no more applicable to the Government Employees absorbed in BSNL and consequently all Voluntary retirement requests of such employees are now covered under the provisions of Sub Rule 37A(11A) of the same Rules.

    As regards benefit of additional qualifying service as available under Rule 48B of CCS(Pension) Rules, 1972, it was clarified that the same is not available to the employees retiring under sub-rule 37A(11A) of CCS(Pension)Rules.

    In respect of Central Govt. Staff no waightage is permissible w.e.f. 01.01.2006