CCS (Pension) Rules, 1972

N V RAMANA RAO
Senior Accounts officer (Retired)
%PAO, CGST & CUSTOMS, HYDERABAD
 GENERAL PROVISIONS
✓ These rules may be called the Central Civil Services (Pension)
Rules, 1972.
✓ They shall come into force on the 1st June, 1972.
✓ The age prescribed for retirement on superannuation is 60 years for
all Government servants.
✓ Retirement is effective from the afternoon of the last day of the
month in which age of superannuation is attained.
✓ An employee whose birth date is the first of the month shall retire on
the afternoon of the last day of the preceding month.
✓ The day of retirement on superannuation and premature/voluntary
retirement will be deemed as working day.
✓ The day of death in service will also be deemed as working day.
✓ These rules shall apply to Government servants appointed on or
before the 31st December, 2003.
 Retirement Benefits

• Employees enters in service on or before 31-12-

2004
❖Pension
❖Commutation of Pension
❖Death-cum-retirement Gratuity
❖General Provident Fund
❖Leave Encashment
❖Central Government Employees Group Insurance
Scheme (CGEGIS)
❖TA for settlement at a station after Retirement
• Employees enters in service on or after 01-
01-2004
❖Death-cum-retirement Gratuity
❖Leave Encashment
❖Central Government Employees Group
Insurance Scheme (CGEGIS)
❖TA for settlement at a station after Retirement
❖ Benefits of New Pension Scheme (Tier-I and
Tier-II)
 Classes of Pension
• Superannuation Pension (Rule-35)
• Retiring Pension (Rule-36)
• Invalid Pension (Rule-38)
• Compulsory Retirement Pension (Rule-40)
• Family Pension (Rule-54)
 Superannuation Pension (Rule-35)
• A superannuation pension shall be granted to a Government servant who is retired on his attaining the age
of superannuation.
Retiring Pension (Rule-36)
• A retiring pension shall be granted to a Government servant who retires, or is retired before attaining the
age of Superannuation or to a Government servant who, on being declared surplus opts, for voluntary
retirement.
• Any Government servant can apply for voluntary retirement, three months in advance, only after the
completion of twenty years of his qualifying service, provided there is no vigilance or Departmental
Enquiry pending /initiated against him/her.
Invalid Pension (Rule-38)
• Invalid Pension may be granted if a Government servant applies for retirement from the service on account
of any bodily or mental infirmity which permanently incapacitates him/her for the service. The request for
invalid pension has to be supported by medical report from the competent medical board.
 Compulsory Retirement Pension
(Rule-40)
• A Government servant compulsorily retired from
service as a penalty may be granted, by the authority
competent to impose such penalty, pension or gratuity,
or both at a rate not less than two-thirds and not more
than full compensation pension or gratuity, or both
admissible to him on the date of his compulsory
retirement. The pension granted or allowed shall not be
less than Rs. 9,000/- p.m.
 Family Pension (Rule-54)

• Family pension is granted to the widow / widower and where there

is no widow / widower to the children of a Government servant who
entered in service in a pensionable establishment on or after
01/01/1964 but on or before 31.12.2003 or having entered service
prior to that date came to be governed by the provisions of the
Family Pension Scheme for Central Government Employees, 1964
if such a Government servant-
• dies while in service on or after 01/01/1964 or
• retires on or after 01/01/1964
 Pension subject to future good
conduct (Rule-8)
Future good conduct is an implied condition of every grant of pension
and its continuance.
➢ If the pensioner is convicted of a serious crime or is found guilty of
grave misconduct, the whole or part of the pensions may be
withdrawn or withheld by a written order of the appointing
Authority, whether permanently or for a specified period.
➢ If a part of the pension is withheld or withdrawn, the amount of
such pension shall not be reduced below the amount of minimum
pension of Rupees 9000/- per month.
• “Serious crime” includes a crime involving an offence under
the Officials Secrets Act, 1923.
• “Grave misconduct” prescribes that communication or
disclosure of any secret official code or password or any sketch,
plan, model, article, note, documents or information as mentioned in
Section 5 of the Officials Secrets Act, 1923.
 Power to withhold or withdraw
Pension
• The President reserves to himself the right of withholding a
pension or gratuity, or both, either in full or in part, or
withdrawing a pension in full or in part, whether permanently or
for a specified period, and of ordering recovery from a pension or
gratuity of the whole or part of any pecuniary loss caused to the
Government, if, in any departmental or judicial proceedings, the
pensioner is found guilty of grave misconduct or negligence
during the period of service, including service rendered upon re-
employment after retirement
• Provided that the Union Public Service Commission shall be
consulted before any final orders are passed
• Provided further that where a part of pension is withheld or
withdrawn the amount of such pension shall not be reduced
below the amount of minimum pension under rule 44.
 Qualifying Service
• The service reckoned for pensionary purpose is known as Qualifying Service.
Commencement of qualifying service (Rule-13)
• The qualifying service of a Government servant shall commences from
the date he takes charge of the post to which he is first appointed in a
permanent capacity.
• Provided that Temporary Service followed by confirmation without
interruption will also qualify.
Conditions subject to which service qualifies (Rule-14)
➢ The service of a Government servant shall not qualify, unless his duties and
pay are regulated by the Central Government.
• The expression "Service" means service under the
Government and paid by that Government from the
Consolidated Fund of India or a Local Fund administered
by that Government but does not include service in a non-
pensionable establishment unless such service is treated as
qualifying service by that Government.

• If a Government servant belonging to a State Government,

who is permanently transferred to a service or post to which
these rules apply, the continuous service rendered under the
State Government will qualify.
 Periods counting as qualifying
service
The following periods of service count as qualifying service-
▪ Duty and periods treated as ‘duty’ and Joining time.
▪ All kinds of leave with leave salary (Rule-21)
▪ EOL with medical certificate.
▪ EOL without medical certificate granted due to inability of the employee to
join/rejoin duty on account of civil commotion or for prosecuting higher technical
and scientific studies.
▪ Service on training before appointment or on probation followed by confirmation.
▪ Suspension followed by minor penalty.
▪ Suspension followed by major penalty, if the reinstating authority orders that
suspension period shall count for pension purposes.
 Periods not counting as qualifying
service
The following periods of service not count as qualifying
service-
▪ Unauthorised absence treated as ‘Dies-non’.
▪ Overstayal of leave/joining time not regularised as leave.
▪ EOL without medical certificate.
▪ Suspension followed by major penalty, if the reinstating
authority does not order that suspension period shall count
for pension purposes.
 Service rendered in temporary status
by casual labour
Fifty percent of the service rendered in
‘temporary status ‘ by a government servant , who
was conferred temporary status on or before 31st
December, 2003 and was subsequently regularised
in Government service, in accordance with the
"Casual Labour(Grant of Temporary Status and
Regularisation) Scheme of Government of India,
1993 notified by Ministry of Personnel, Public
Grievances and Pensions (Department of Personnel
and Training), shall count as qualifying service for
the purpose of these rules.
 Verification of qualifying service
(Rule-32)
• When a Government servant completing 18
years of service and on his being left with five
years of service before the date of retirement,
whichever is earlier, the Head of Office in
consultation with the Accounts Officer shall, in
accordance with the rules for the time being in
force, verify the service rendered by such a
Government servant, determine the qualifying
service and communicate to him, in Form 24, the
period of qualifying service so determined.
 Average Emoluments
• Average emoluments shall be determined with
reference to the emoluments drawn by a Government
servant during the last ten months of his service.
• In case during the last ten months of his service a
Government servant had been absent from duty on
leave for which leave salary is payable or on
Extraordinary leave on medical certificate or having
been suspended had been reinstated without
forfeiture of service, the emoluments which he would
have drawn had he not been absent from duty or
suspended shall be taken into account for determining
the average emoluments
 Preparation of Pension Papers

❖Every HoD shall have a list prepared in every three months

of all Government servants who are due to retire within the
next 12 months to 15 months of that date and forward the
same to the Accounts Officer responsible for issue of PPO.
❖Pension papers will be forwarded in one year advance of the
date on which Government servant is due to attain the age of
superannuation.
❖Indication of Aadhaar number is mandatory while
forwarding the pension papers to the PAO.
❖Processing of pension cases is mandatorily through
BHAVISHYA (online pension sanction and Payment
Tracking System) w.e.f. 01.01.2017.
 Retirement on completion of 30
years' qualifying service (Rule-48)
An employee has the right to retire,
➢ After attaining the age of 50 years for Group A and B officers who had entered
service before attaining the age of 35 years
➢ All Group C employees after attaining the age of 55 years
➢ All employees on completion of 30 years qualifying service.

At any time after a Government servant has completed thirty years' qualifying service -
(a) He may retire from service, or
(b) He may be required by the appointing authority to retire in the public interest, and
in the case of such retirement the Government servant shall be entitled to a
retiring pension.
Provided that -
(a) A Government servant shall give a notice in writing to the appointing authority
at least three months before the date on which he wishes to retire; and
(b) The appointing authority may also give a notice in writing to a Government
servant at least three months before the date on which he is required to retire in
the public interest or three months' pay and allowances in lieu of such notice.
 Retirement on completion of 20
years' qualifying service (Rule-48 A)
• At any time after a Government servant has completed
twenty years' qualifying service, he may, by giving
notice of not less than three months in writing to the
appointing authority, retire from service
The notice of voluntary retirement given shall require
acceptance by the appointing authority :
• Provided that where the appointing authority does
not refuse to grant the permission for retirement before
the expiry of the period specified in the said notice, the
retirement shall become effective from the date of
expiry of the said period.
 Amount of Pension (Rule-49)
• In the case of a Government servant retiring in accordance with the provisions of
these rules before completing qualifying service of ten years, the amount of service
gratuity shall be calculated at the rate of half month's emoluments for every
completed six monthly period of qualifying service.

The dearness allowance admissible on the date of retirement shall also be treated
as emoluments.
• In the case of a Government servant retiring in accordance with the
provisions of these rules after completing qualifying service of not less than 10
years, the amount of pension shall be calculated at 50 per cent of emoluments or
average emoluments, whichever is more beneficial to him, subject to a minimum
pension of Rs 9000 per month and maximum pension of Rs 125000 per month
(w.e.f. 01-01-2016).
Additional Pension to the old pensioners
from 01-01-2006 (Rule-49(2 A))
The quantum of additional pension/family pension to the
old pensioners shall continue to be as follows: -
➢ 80years to less than 85 years 20% of basic pension
➢ 85 years to less than 90 years 30% of basic pension
➢ 90 years to less than 95 years 40% of basic pension
➢ 95 years to less than 100 years 50% of basic pension
➢ 100 years or more 100% of basic pension
 Retirement Gratuity and Death
Gratuity (Rule-50)
• The‘Death-cum-RetirementGratuity’
admissible to a permanent government servant
on his retirement or payable to his family in
the event of his death while in service under
Rule 50 has with effect from 01-01-1986, been
assigned separate new titles, viz,
(1)Retirement Gratuity which payable on his
retirement from service.
(2)Death Gratuity which is payable to his family
in the event of his death while in service.
 Retirement Gratuity
• admissible to a Government Servant who
retires from service after completion of
qualifying service of 5 years and has become
eligible service gratuity or pension under rules,
shall on his retirement be granted (retirement
gratuity) equal to 1/4th of his emoluments for
each completing six monthly period of
qualifying service, subject to a maximum of
16.5 times the emoluments
Family pension
 Death Gratuity
If a Government servant dies while in service, the death gratuity shall be paid to his
family in the manner indicated below: -
(i) Less than 1 year 2 times of emoluments.
(ii) 1 to 5 years 6 times of emoluments.
(iii) 5 to 11 years 12 times of emoluments
(iv) 11 to 20 years 20 times of emoluments.
(v) 20 years or more Half of the emoluments for every completed six monthly
• period of qualifying service subject to a maximum of 33 times
of emoluments.
• The maximum of retirement or death gratuity shall not exceed Rs 20 lakhs in
any case.
• The ceiling of Gratuity may increase by 25% whenever DA raises by 50%
 Nominations (Rule-53)

• A Government servant shall, on his initial confirmation in a service or post,

make a nomination in Form 1 or 2, as may be, as appropriate in the
circumstances of the case, conferring on one or more persons the right to
receive the retirement gratuity/death gratuity payable under rules.
Provided that if at the time of making the nomination -
• (i) the Government servant has a family, the nomination shall not be in
favour of any person or persons other than the members of his family.
• (ii) the Government servant has no family, the nomination may be made in
favour of a person or persons, or a body of individuals, whether
incorporated or not.
• If a Government servant nominates more than one person, he shall specify
in the nomination the amount of share payable to each of the nominees, in
such manner as to cover the entire amount of gratuity.
 Commutation of Pension
• This covered under the Central Civil Services
(Commutation of Pension) Rules, 1981 and shall come
into force w.e.f. 01 July, 1981.

• A Central Government servant has an option to

commute a portion of pension, not exceeding 40% of it,
into a lump sum payment. No medical examination is
required if the option is exercised within one year of
retirement. If the option is exercised after expiry of one
year, he/she will have to under-go medical examination
by the specified competent authority.
• Lump sum payable is calculated with reference to the Commutation
Table. The monthly pension will stand reduced by the portion
commuted and the commuted portion will be restored on the expiry
of 15 years from the date of receipt of the commuted value of
pension. Dearness Relief, however, will continue to be calculated on
the basis of the original pension (i.e. without reduction of commuted
portion).
•
The formula for arriving for commuted value of Pension (CVP) is
CVP = 40 % (X) Commutation factor* (X)12
* The commutation factor will be with reference to age next birthday
on the date on which commutation becomes absolute as per the New
Table annexed to the CCS (Commutation of Pension) Rules, 1981.
 LEAVE ENCASHMENT
➢Encashment of leave is a benefit granted
under the CCS (Leave) Rules
➢Encashment of Earned Leave/Half Pay Leave
standing at the credit of the retiring
Government servant is admissible on the
date of retirement
➢subject to a maximum of 300 days.
➢Pay and DA on the day of retirement
 ‘Family’ for this purpose means-

Wife or wives/husband including judicially separated

wife/wives or husband.
(ii) Son(s) including stepson(s) and adopted son(s).
(iii) Unmarried daughter(s) including stepdaughters and
adopted daughters.
(iv) Widowed daughter(s) including stepdaughters and
adopted daughters.
(v) Father (vi) Mother (vii) brother(s) below the age of 18
years including stepbrother(s).
(viii) Unmarried sister(s) and widowed sister(s) including
stepsister(s).
(ix) Married daughters (x) Children of pre-deceased son.
 Family Pension (Rule-54)

• Family pension is payable to the children (except

widow/divorced/unmarried daughter up to 25 years of their age, or
marriage or till they start earning) whichever is earlier, a monthly income
exceeding Rs.9,000/- + DA admissible from time to time p.m.
• Widow daughter/divorced daughter/unmarried daughter of deceased
Government servant is also entitled for the family pension till her
remarriage or up to life time or starts earning a monthly income exceeding
Rs.9,000/- + DA admissible from time to time p.m. whichever is earlier.
• Family pension is payable to wholly dependent parents of the
deceased Government servants w.e.f. 01/01/98, when he/she is not survived
by a widow or eligible child. The family pension will be payable to mother
first , failing which to the father.
• If the son or daughter, of a Government servant is suffering from any
disorder or disability of mind or is physically crippled or disabled so as to
render him or her unable to earn a living even after attaining the age of 25
years, the family pension can continue to be paid for life time subject
to conditions.
Central Government Employees Group
Insurance Scheme
Savings & Insurance fund 70:30
Group to which Before After Amount of
The employee enrolment as a enrolment as a Insurance
belongs member member cover

A 40 120 1,20,000
B 20 60 60,000
C 10 30 30,000
D 5 15 15,000
Savings fund
• I
 GPF & DLIS
➢General Provident Fund and Incentives
➢Deposit Linked Insurance Scheme
➢The additional amount payable under DLIS
shall not exceed Rs. 60,000/-.
 About “Bhavishya”
• The system provides for on-line tracking of pension
sanction and payment process by the individual as well
as the administrative authorities.
• The system captures the pensioners personal and
service particulars.
• The forms for processing of pension can be submitted
online.
• It keeps retiring employees informed of the progress of
pension sanction process through SMS/E-Mail.
• The system obviates delays in payment of pension by
ensuring complete transparency
Salient Features
Salient Features
Salient Features
Salient Features
Stakeholders
Stakeholders
How to Access “Bhavishya”
Pension Process Map and Time Frame
DOCUMENTS KEEP READY BY RETIRING EMPLOYEE
(Before filling forms in Bhavishya)
1. SINGLE PHOTOGRAPH
2. JOINT PHOTOGRAPH
3. BANK A/C (JOINT ACCOUNT)
4. PAN CARD - BOTH
5. AADHAR CARD - BOTH
6. DETAILS OF FAMILY MEMBERS INCL
DATE OF BIRTH CERTIFICATE
7. SCANNED COPY OF SPECIMEN
SIGNATURES INCLUDING SPOUSE
8. VERIFY NAME IN BANK ACCOUNT
TALLIES WITH PAN & BHAVISHYA
 Dash Board: Information to be filled by the retiree

The individual has to fill the following details:

 Personal Details
 Commutation option
 CGHS/Fixed Medical Allowance option
 Family Details
 Nominations
 Bank Account Details
 INDIVIDUAL (RETIREE)
• Retiree can login in Bhavishya portal once the
DDO has verified the details.
• User id: PAN card no.
• Password: Date of Birth (8 digit)
• First time login: Date of retirement (8 digit) is
to be given along with the password.
• Password has to be changed after logging in
the first time.
 Role & Responsibility of CPPC
➢CPAO will send Docs PPO etc to CPPC
➢CPPC in turn will forward to PAHB
➢Pension Calculations will be done by CPPC and
credited to Pension Accounts electronically
➢No Bill required to be submitted by Pensioner
➢CPPC responsible for deduction of TDS
➢CPPC take action for transfer of Pension Bank
Accounts
 ROLE OF PAHB
➢PENSION ACCOUNT HOLDING BRANCH
➢Responsible for collecting Requisite
Certificates like Life / Income / Non-Marriage
➢Pensioner not required to visit bank to
activate first payment of pension
➢Bank will verify PPO & Docs attached with KYC
➢Pensioner account to any branch of same bank
can be transferred
Jeevan Pramaan Patra
Thank You