{
  "_comment": "Sainik Desk — the single rates file. Every calculator reads from here; no page hardcodes a rate. This file is public on purpose, so anyone can check what the site calculates with. Entries with verified:false are to be matched against the governing circular before launch — see LAUNCH-CHECKLIST.md",
  "updated": "2026-08-03",
  "dearness_relief": {
    "percent": 60,
    "effective_from": "2026-01-01",
    "source": "DoP&PW OM No. 42/02/2024-P&PW(D), dated 24 April 2026 — rate raised from 58% to 60%; expressly applicable to Armed Forces Pensioners / Family Pensioners",
    "source_hi": "DoP&PW कार्यालय ज्ञापन सं. 42/02/2024-P&PW(D), 24 अप्रैल 2026 — दर 58% से 60%; Armed Forces Pensioners/Family Pensioners पर साफ़ लागू",
    "verified": true
  },
  "dearness_allowance": {
    "percent": 60,
    "effective_from": "2026-01-01",
    "source": "Union Cabinet/PIB release ID 2253244 dated 18.04.2026 and Department of Expenditure OM dated 22.04.2026: DA for Central Government employees raised from 58% to 60% of basic pay w.e.f. 01.01.2026. Calculator remains user-editable for a different retirement date.",
    "verified": true
  },
  "leave_encashment": {
    "max_days": 300,
    "formula": "(eligible monthly leave salary + applicable DA) / 30 × eligible leave days",
    "source": "Cash equivalent of eligible leave salary at retirement; final admissible balance and salary components are fixed by the service leave account and PAO/CDA. The calculator deliberately asks for the eligible leave-salary figure instead of guessing allowances.",
    "verified": false
  },
  "retirement_gratuity": {
    "ceiling": 2500000,
    "ceiling_effective_from": "2024-01-01",
    "max_six_month_periods": 66,
    "jco_or_weightage_years": 5,
    "source": "Pension Regulations for the Army Part-I (2008, corrected to 2020), Regulation 142: one-fourth of reckonable emoluments for each completed six-month period, maximum 16.5 times; PBOR actual qualifying service plus five years weightage. Ceiling ₹25 lakh w.e.f. 01.01.2024: MoD/DESW implementation of DoP&PW OM No. 28/03/2024-P&PW(B)/Gratuity/9559 dated 30.05.2024, published by DESW 14.05.2025.",
    "verified": true
  },
  "minimum_family_pension": {
    "amount": 9000,
    "source": "PCDA(P) Circular 570, Paras 4.4 and 5 (implementing MoD letter No. 17(01)/2016-D(Pen/Pol), dated 29.10.2016): minimum basic pension/family pension ₹9,000 a month w.e.f. 01.01.2016; anything below is stepped up to ₹9,000 — clause read and matched on 02.08.2026",
    "verified": true
  },
  "family_pension_rates": {
    "ordinary_percent": 30,
    "enhanced_percent": 50,
    "special_percent": 60,
    "special_minimum": 18000,
    "liberalised_percent": 100,
    "source": "MoD/DESW letter No. 17(01)/2017(02)/D(Pen/Pol), dated 05.09.2017 — Para 5.4 (Ordinary FP: normal 30%, enhanced 50%), Para 5.5 (Special FP 60%), Para 5.6 (Liberalised FP equal to emoluments), Note-1 (round up to the next rupee); parent casualty-awards letter No. 1(2)/97/D(Pen-C), dated 31.01.2001, named in Para 5.3 — clauses read and matched on 02.08.2026. SFP's own minimum ₹18,000 w.e.f. 01.01.2016 — Pension Regulations for the Army Part-I (2008, corrected to 2020), Regulation 113 (officers) and Regulation 120 (PBOR), Auth cited there: MoD No. 16(6)/2008(2)/D(Pen/Pol) dt. 05.05.2009 and MoD letter No. 16(3)/2017/D(Pen/Pol) dt. 29.01.2019 — clauses read and matched on 03.08.2026. Enhanced-rate durations — Regulation 64(b): 10 years (death in service), 7 years or until the deceased would have turned 67 (death after retirement), capped at the deceased's own pension; the 7-year continuous-service condition stands deleted w.e.f. 01.10.2019 per MoD letter No. 14(02)/2019/D(Pen/Pol) dt. 05.10.2020 — read and matched on 03.08.2026",
    "verified": true
  },
  "msp": {
    "jco_or": 5200,
    "officer": 15500,
    "source": "Army Officers Pay Rules, 2017 (Gazette notification, 3 May 2017, effective 01.01.2016) — Rule 5(2)(ii): MSP Rs 15,500 a month for officers up to and including Brigadier; Army Pay Rules, 2017 (PBOR, same date) — Rule 5(2)(ii): Rs 5,200 for all JCOs/ORs (and Rs 15,500 for Honorary Commissioned Officers); Rule 5(2)(iii) in both: 'Military Service Pay shall be counted as pay for the purpose of computation of dearness allowance and pension.' Rule text matched verbatim on 03.08.2026 against the gazette PDFs themselves, downloaded from mod.gov.in: S.R.O. 12(E) (officers) and S.R.O. 9(E) (PBOR), Gazette of India Extraordinary Part II-Section 4, published 05.05.2017; local copies archived at research/sources/army-officers-pay-rules-2017-gazette.pdf and army-pay-rules-2017-pbor-gazette.pdf. Note from the PBOR gazette: Rule 5(2)(ii) gives Rs 15,500 for Honorary Commissioned Officers and Rs 5,200 for all other JCOs/ORs",
    "verified": true
  },
  "service_pension": {
    "percent": 50,
    "minimum_amount": 9000,
    "min_qualifying_years": { "jco_or": 15, "officer": 20 },
    "source": "50% of reckonable emoluments — MoD/DESW letter dated 05.09.2017, Para 5.1 (read and matched 02.08.2026); minimum ₹9,000 — PCDA(P) Circular 570, Para 4.4, and Pension Regulations for the Army Part-I Regulation 16; MSP counts in emoluments — same letter, Para 4. Qualifying years — Pension Regulations for the Army Part-I (2008, corrected to 2020): Regulation 47 (service pension, PBOR — 15 years) and Regulation 34 (retiring pension, officers — 20 years; 15 for late entrants) — clauses read and matched on 03.08.2026",
    "verified": true
  },
  "agniveer": {
    "package_monthly": [30000, 33000, 36500, 40000],
    "contribution_percent": 30,
    "source": "AGNIPATH scheme — Cabinet approval 14.06.2022, PIB press release PRID 1833747 (pib.gov.in), annexure table read in full on 03.08.2026 and matched: monthly package 30,000/33,000/36,500/40,000, 30% to the Agniveer Corpus Fund with an equal GoI contribution (5.02 lakh + 5.02 lakh), Seva Nidhi 'Rs 11.71 Lakh' including interest at applicable rates, exempt from income tax; 'no entitlement to gratuity and pensionary benefits'; non-contributory life cover of Rs 48 lakh. One discrepancy in the release itself: its Year-3 'In Hand' cell prints 25,580, though 36,500 minus the 10,950 contribution (and 70% of 36,500) is 25,550 — this site shows the arithmetically consistent 25,550",
    "verified": true
  },
  "agif": {
    "subscription_monthly": { "jco_or": 7500, "officer": 12500 },
    "cover": { "jco_or": 7500000, "officer": 12500000 },
    "disability_cover": { "jco_or": 1250000, "officer": 2500000 },
    "effective_from": "2025-04-01",
    "source": "AGIF letter No. A/56271/R/AG/Ins (Coord) dated 22.04.2025 — 'Change in Rate of Subscription: Army Group Insurance Fund (AGIF)', enhancement approved by the 80th Board of Governors meeting of 04.04.2025, w.e.f. 01.04.2025: Officers ₹12,500/month for ₹125 lakh cover (+₹25 lakh disability cover); JCOs/OR ₹7,500/month for ₹75 lakh cover (+₹12.5 lakh disability cover). Scanned circular published by PCDA(O) Pune (pcdaopune.gov.in, Defence Accounts Department) — read in full on 03.08.2026; local copy archived at research/sources/agif-circular-A-56271-R-AG-Ins-Coord-22apr2025.pdf. Note: AGIF has no working website (agif.in does not resolve); the PCDA(O)-hosted scan is the official online source",
    "verified": true
  },
  "disability": {
    "element_percent_at_100": 30,
    "min_accepted_percent_on_retirement": 20,
    "broadband": [
      { "upto": 49, "band": 50 },
      { "upto": 75, "band": 75 },
      { "upto": 100, "band": 100 }
    ],
    "invalidment_floor": { "trigger_percent": 60, "total_percent": 60, "total_min": 18000 },
    "source": "Pension Regulations for the Army, Part-I (2008, corrected to 2020) — clauses read and matched on 03.08.2026: Regulation 37 (officers) and Regulation 53 (PBOR) — disability element in addition to retiring/service pension where the disability is attributable to or aggravated by service, recorded by the Release Medical Board, and accepted at 20% or more; Regulations 94(b)/98(b) — element for 100% disability is 30% of emoluments last drawn, proportionately reduced below; Regulations 94(c)/98(c) — broad-banding (less than 50 reckoned as 50, 50-75 as 75, 76-100 as 100), applicable to retirement/discharge/voluntary cases too w.e.f. 01.01.2016 (Auth cited there: Para 10.1 of MoD letter No. 17(02)/2016-D(Pen/Pol) dt. 04.09.2017); Regulation 94(b)/98(b) proviso — on invalidment with permanent disability not less than 60%, the disability pension (service element + disability element) shall not be less than 60% of emoluments, minimum Rs 18,000 w.e.f. 01.01.2016. NOT covered by the calculator: war-injury element (its own higher rates), Constant Attendance Allowance, and the element's own 2006-era minimum of Rs 3,510 (always dominated by the 30% rule at realistic emoluments)",
    "verified": true
  },
  "csd_afd": {
    "effective_from": "2024-02-01",
    "matrix": {
      "l3_5": { "cost_cap": 800000, "ev_cost_cap": 1300000, "lifetime_cars": 4, "first_car_after_years_service": 5, "gap_years": 8 },
      "l6_9": { "cost_cap": 1000000, "ev_cost_cap": 1500000, "lifetime_cars": 5, "first_car_after_years_service": 5, "gap_years": 8 },
      "l10_18": { "cost_cap": 2000000, "ev_cost_cap": 2500000, "periodicity_years": 8 }
    },
    "ev_first_purchase_after_years": 6,
    "widow_nok": "against_unused_quota_l3_5_and_l6_9",
    "source": "CS Dte, QMG's Branch, IHQ of MoD (Army) letter No. 95350/Q/DDGCS/Car Policy dated 30.11.2023 — 'Entitlement of Four Wheelers Through CSD', revised entitlement w.e.f. 01.02.2024, superseding the letter of even number dated 30.11.2022 (scan read in full on 03.08.2026; the AFD portal's eligibility page reproduces it line for line): entitlement now rides on pay level and cost cap excluding taxes, with NO engine-capacity limits — Pay Level 3-5: Rs 8 lakh (EV Rs 13 lakh), four cars in a lifetime, first car after five years of service, eight-year gap; Pay Level 6-9: Rs 10 lakh (EV Rs 15 lakh), five cars in a lifetime, same five-year/eight-year rules; Pay Level 10-18: Rs 20 lakh (EV Rs 25 lakh), once in eight years. Para 3: EVs may cost up to Rs 5 lakh more than the Para 2 limits; a first-time EV may be bought after six years of the previous four-wheeler purchase, but any next purchase only after the eight-year gap. Pensioner Widows/NoK expressly listed in the L3-5 and L6-9 rows — purchase against the quota not availed by the individual, same eight-year gap. Confirmed against the live official matrix at afd.csdindia.gov.in/eligibility-criteria/ (read 03.08.2026). Rank-to-pay-level mapping is not stated by the portal — the checker asks for the pay level itself. The earlier basis here (DDGCS letter No. 96410/Q/DDGCS, Jul 2015: cc-based matrix) stands superseded — recorded on /sudhar/. The 2015 letter's depot document list and its 'no CSD handling/logistic charges to the dealer' rule are retained as dated guidance, current list per depot",
    "verified": true
  },
  "commutation": {
    "max_percent": 50,
    "restoration_years": 15,
    "table_effective_from": "2008-09-02",
    "factors": {
      "20": 9.188, "21": 9.187, "22": 9.186, "23": 9.185, "24": 9.184,
      "25": 9.183, "26": 9.182, "27": 9.180, "28": 9.178, "29": 9.176,
      "30": 9.173, "31": 9.169, "32": 9.164, "33": 9.159, "34": 9.152,
      "35": 9.145, "36": 9.136, "37": 9.126, "38": 9.116, "39": 9.103,
      "40": 9.090, "41": 9.075, "42": 9.059, "43": 9.040, "44": 9.019,
      "45": 8.996, "46": 8.971, "47": 8.943, "48": 8.913, "49": 8.881,
      "50": 8.846, "51": 8.808, "52": 8.768, "53": 8.724, "54": 8.678,
      "55": 8.627, "56": 8.572, "57": 8.512, "58": 8.446, "59": 8.371,
      "60": 8.287, "61": 8.194, "62": 8.093, "63": 7.982, "64": 7.862,
      "65": 7.731, "66": 7.591, "67": 7.431, "68": 7.262, "69": 7.083,
      "70": 6.897, "71": 6.703, "72": 6.502, "73": 6.296, "74": 6.085,
      "75": 5.872, "76": 5.657, "77": 5.443, "78": 5.229, "79": 5.018,
      "80": 4.812, "81": 4.611
    },
    "source": "Pension Regulations for the Army, Part-I (2008, corrected to 2020), commutation chapter — clauses read and matched on 03.08.2026: Regulation 153 (maximum 50% w.e.f. 01.01.2006, Auth cited there: Para 9.1 of MoD letter No. 17(4)/2008(2)/D(Pen/Pol) dt. 12.11.2008; Note 1: a fraction of a rupee in the commuted portion is ignored), Regulation 158 (commuted value = portion x 12 x purchase value at age next birthday; table at Appendix X), Regulation 163 (restoration after 15 years from the date the reduction takes effect), Regulations 155-156 (no Commutation Medical Board within one year of release; Board required after). Factor table matched digit-for-digit against Appendix X AND against PCDA(P)'s published table (effective 02.09.2008, LIC 94-96 Ultimate Tables at 8% interest)",
    "verified": true
  }
}