NIFTY 50₹22,500▲125.30(0.56%)•
SENSEX₹74,200▲412.50(0.56%)•
BANK NIFTY₹48,300▼210.40(0.43%)•
TATA MOTORS₹780.00▲12.45(1.62%)•
INFOSYS₹1,520.00▼18.20(1.18%)•
WIPRO₹475.00▲5.60(1.19%)•
RELIANCE₹2,890.00▲34.50(1.21%)•
TCS₹3,650.00▼28.10(0.76%)•
HDFC BANK₹1,580.00▲15.20(0.97%)•
ICICI BANK₹1,120.00▲8.90(0.80%)•
SBI₹820.00▼5.30(0.64%)•
BHARTI AIRTEL₹1,650.00▲22.80(1.40%)•
HUL₹2,380.00▼12.40(0.52%)•
ITC₹445.00▲3.20(0.72%)•
KOTAK BANK₹1,780.00▲14.60(0.83%)•
LT₹3,420.00▼45.20(1.30%)•
AXIS BANK₹1,080.00▲9.50(0.89%)•
BAJAJ FINANCE₹7,200.00▲85.40(1.20%)•
MARUTI₹12,400▼150.00(1.19%)•
ASIAN PAINTS₹2,850.00▲18.90(0.67%)•
HCLTECH₹1,420.00▼16.30(1.14%)•
TITAN₹3,250.00▲42.60(1.33%)•
ADANI PORTS₹1,380.00▼22.40(1.60%)•
POWER GRID₹310.00▲4.80(1.57%)•
NTPC₹365.00▲6.20(1.73%)•
SUNPHARMA₹1,680.00▼8.50(0.50%)•
NIFTY 50₹22,500▲125.30(0.56%)•
SENSEX₹74,200▲412.50(0.56%)•
BANK NIFTY₹48,300▼210.40(0.43%)•
TATA MOTORS₹780.00▲12.45(1.62%)•
INFOSYS₹1,520.00▼18.20(1.18%)•
WIPRO₹475.00▲5.60(1.19%)•
RELIANCE₹2,890.00▲34.50(1.21%)•
TCS₹3,650.00▼28.10(0.76%)•
HDFC BANK₹1,580.00▲15.20(0.97%)•
ICICI BANK₹1,120.00▲8.90(0.80%)•
SBI₹820.00▼5.30(0.64%)•
BHARTI AIRTEL₹1,650.00▲22.80(1.40%)•
HUL₹2,380.00▼12.40(0.52%)•
ITC₹445.00▲3.20(0.72%)•
KOTAK BANK₹1,780.00▲14.60(0.83%)•
LT₹3,420.00▼45.20(1.30%)•
AXIS BANK₹1,080.00▲9.50(0.89%)•
BAJAJ FINANCE₹7,200.00▲85.40(1.20%)•
MARUTI₹12,400▼150.00(1.19%)•
ASIAN PAINTS₹2,850.00▲18.90(0.67%)•
HCLTECH₹1,420.00▼16.30(1.14%)•
TITAN₹3,250.00▲42.60(1.33%)•
ADANI PORTS₹1,380.00▼22.40(1.60%)•
POWER GRID₹310.00▲4.80(1.57%)•
NTPC₹365.00▲6.20(1.73%)•
SUNPHARMA₹1,680.00▼8.50(0.50%)•
NIFTY 50₹22,500▲125.30(0.56%)•
SENSEX₹74,200▲412.50(0.56%)•
BANK NIFTY₹48,300▼210.40(0.43%)•
TATA MOTORS₹780.00▲12.45(1.62%)•
INFOSYS₹1,520.00▼18.20(1.18%)•
WIPRO₹475.00▲5.60(1.19%)•
RELIANCE₹2,890.00▲34.50(1.21%)•
TCS₹3,650.00▼28.10(0.76%)•
HDFC BANK₹1,580.00▲15.20(0.97%)•
ICICI BANK₹1,120.00▲8.90(0.80%)•
SBI₹820.00▼5.30(0.64%)•
BHARTI AIRTEL₹1,650.00▲22.80(1.40%)•
HUL₹2,380.00▼12.40(0.52%)•
ITC₹445.00▲3.20(0.72%)•
KOTAK BANK₹1,780.00▲14.60(0.83%)•
LT₹3,420.00▼45.20(1.30%)•
AXIS BANK₹1,080.00▲9.50(0.89%)•
BAJAJ FINANCE₹7,200.00▲85.40(1.20%)•
MARUTI₹12,400▼150.00(1.19%)•
ASIAN PAINTS₹2,850.00▲18.90(0.67%)•
HCLTECH₹1,420.00▼16.30(1.14%)•
TITAN₹3,250.00▲42.60(1.33%)•
ADANI PORTS₹1,380.00▼22.40(1.60%)•
POWER GRID₹310.00▲4.80(1.57%)•
NTPC₹365.00▲6.20(1.73%)•
SUNPHARMA₹1,680.00▼8.50(0.50%)•
NIFTY 50₹22,500▲125.30(0.56%)•
SENSEX₹74,200▲412.50(0.56%)•
BANK NIFTY₹48,300▼210.40(0.43%)•
TATA MOTORS₹780.00▲12.45(1.62%)•
INFOSYS₹1,520.00▼18.20(1.18%)•
WIPRO₹475.00▲5.60(1.19%)•
RELIANCE₹2,890.00▲34.50(1.21%)•
TCS₹3,650.00▼28.10(0.76%)•
HDFC BANK₹1,580.00▲15.20(0.97%)•
ICICI BANK₹1,120.00▲8.90(0.80%)•
SBI₹820.00▼5.30(0.64%)•
BHARTI AIRTEL₹1,650.00▲22.80(1.40%)•
HUL₹2,380.00▼12.40(0.52%)•
ITC₹445.00▲3.20(0.72%)•
KOTAK BANK₹1,780.00▲14.60(0.83%)•
LT₹3,420.00▼45.20(1.30%)•
AXIS BANK₹1,080.00▲9.50(0.89%)•
BAJAJ FINANCE₹7,200.00▲85.40(1.20%)•
MARUTI₹12,400▼150.00(1.19%)•
ASIAN PAINTS₹2,850.00▲18.90(0.67%)•
HCLTECH₹1,420.00▼16.30(1.14%)•
TITAN₹3,250.00▲42.60(1.33%)•
ADANI PORTS₹1,380.00▼22.40(1.60%)•
POWER GRID₹310.00▲4.80(1.57%)•
NTPC₹365.00▲6.20(1.73%)•
SUNPHARMA₹1,680.00▼8.50(0.50%)•
Trustner
All Calculators

For PSU, Government & Corporate Employees

PSU Retirement Benefits Planner

Project your total retirement corpus across PF, VPF, Gratuity, Leave Encashment, Pension, and more — specifically designed for PSU, Government, and Large Corporate employees.

Your Benefits Profile

Personal & Service Details
years
55 years70 years

PSU default is 60; some roles extend up to 65-70

₹
₹10,000₹50,00,000

Drives gratuity, leave encashment & PF contributions

% of Basic
0 % of Basic200 % of Basic

PSU/Govt: typically 40-55% in 2026. DA counts toward PF, gratuity & leave encashment.

Current PF-eligible wage (Basic + DA): ₹90,000
% p.a.
0 % p.a.15 % p.a.
years
0 years40 years
Total service at retirement: 30 years
₹
₹0₹5,00,00,000
12% of basic
Statutory
% of basic
0 % of basic12 % of basic

Default 3.67% (the rest goes to EPS)

% p.a.
6 % p.a.10 % p.a.

EPFO has declared 8.25% for FY25 — matches historical 5-yr average

Last drawn Basic + DA (projected)₹3.25 L
Total service years30
Formula ((Basic+DA) × 15 × yrs / 26)₹56.33 L
Gratuity (uncapped)₹56.33 L
Fully tax-free under Section 10(10)(i) — no ceiling for Government / Central PSU / State PSU / PSU Bank employees.
Retirement Journey
20 years to retire
Age 40 → 60 · Central PSU

Your PSU Retirement Projection

Based on Central PSU · retiring at 60

Your Retirement Corpus
₹2.50 Cr
Total lump sum at age 60 (in 20 years)
Tax-Free Portion
₹2.50 Cr
PF + NPS 60% + Gratuity + Leave + Commuted Pension
Taxable Portion
₹0
Insurance maturity, excess over caps, other

Benefits Breakdown

Contribution of each stream to your total corpus

Corpus Build-Up Over Time

Year-wise growth of PF, VPF & NPS (ex-terminal benefits)

Monthly Cashflow After Retirement

Estimated monthly income from all streams (at age 60)

NPS Annuity
₹0
NPS not enabled
Pension Income
₹0
Pension not applicable
Conservative SWP @ 6%
₹1.25 L
From ₹2.50 Cr lump sum
Total Monthly Income (Nominal)
₹1.25 L
Real Purchasing Power (today's rupees, 6% inflation)
At age 60
₹39,020
/month
At age 65
₹29,158
/month
At age 70
₹21,789
/month

Personalised Insights

Moderate corpus of ₹2.50 Cr — consider top-up SIPs in equity mutual funds to bridge the gap between corpus income and lifestyle expectations.
You are relying only on statutory EPF. Even a small VPF or NPS allocation of 5-10% of basic can materially lift your retirement corpus.
Your projected gratuity is ₹56.33 L — fully tax-free under Sec 10(10)(i) for Government / PSU employees (no ceiling). This is a significant lump sum; deploy it into a disciplined mutual fund mix via your Relationship Manager to preserve purchasing power.
Post-retirement monthly income projection: ₹1.25 L (nominal). Real purchasing power at age 70 erodes to ₹21,789 in today's terms at 6% inflation — build an inflation-beating allocation via mutual funds.

Year-wise Contribution Schedule

Detailed year-by-year view of salary, contributions and corpus build-up

YearAgeBasic (mo)PF CorpusVPF CorpusNPS CorpusRunning Total
Yr 141₹60,000₹7.10 L₹0₹0₹7.10 L
Yr 242₹64,200₹9.50 L₹0₹0₹9.50 L
Yr 343₹68,694₹12.22 L₹0₹0₹12.22 L
Yr 444₹73,503₹15.30 L₹0₹0₹15.30 L
Yr 545₹78,648₹18.79 L₹0₹0₹18.79 L
Yr 646₹84,153₹22.71 L₹0₹0₹22.71 L
Yr 747₹90,044₹27.12 L₹0₹0₹27.12 L
Yr 848₹96,347₹32.08 L₹0₹0₹32.08 L
Yr 949₹1.03 L₹37.63 L₹0₹0₹37.63 L
Yr 1050₹1.10 L₹43.85 L₹0₹0₹43.85 L
Yr 1151₹1.18 L₹50.79 L₹0₹0₹50.79 L
Yr 1252₹1.26 L₹58.55 L₹0₹0₹58.55 L
Yr 1353₹1.35 L₹67.19 L₹0₹0₹67.19 L
Yr 1454₹1.45 L₹76.81 L₹0₹0₹76.81 L
Yr 1555₹1.55 L₹87.51 L₹0₹0₹87.51 L
Yr 1656₹1.66 L₹99.40 L₹0₹0₹99.40 L
Yr 1757₹1.77 L₹1.13 Cr₹0₹0₹1.13 Cr
Yr 1858₹1.90 L₹1.27 Cr₹0₹0₹1.27 Cr
Yr 1959₹2.03 L₹1.43 Cr₹0₹0₹1.43 Cr
Yr 2060₹2.17 L₹1.61 Cr₹0₹0₹1.61 Cr

Supplement With a Mutual Fund SIP

Bridge the gap between your projected corpus and a truly comfortable retirement income. Enter what you'd like to spend per month in today's terms — we'll work out the top-up SIP needed at 12% expected returns.

₹
₹10,000₹5,00,000

Will be inflated @6% p.a. and funded for 25 years post-retirement

Desired Corpus
₹7.70 Cr
₹2.57 L/mo × 12 × 25 yrs
PSU Corpus (this calc)
₹2.50 Cr
Lump-sum benefits only
Shortfall
₹5.19 Cr
Need to bridge
Required Mutual Fund SIP (Growth Option, @12% expected)
₹51,987 / month
For 20 years until retirement. Consider a diversified equity + hybrid mutual fund portfolio via your Relationship Manager.
Talk to Your Relationship Manager

Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.

Next Step

Turn These Numbers Into Your Real Wealth

Get a personalized investment roadmap on WhatsApp in 30 seconds — our team will map these calculations to actual funds and a goal-based SIP plan, completely free.

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