Pension Age Checker – Know When You Qualify for Pension
Planning your future finances? This Pension Age Checker helps you find the minimum age and eligibility to receive pension benefits based on your employment sector and retirement date.
Whether you’re in central govt, state service, PSU, military, or private sector, this tool makes it easy to know when you qualify.
Pension Age Checker
How the Pension Eligibility Checker Works
- Enter your Date of Birth
- Select your Job Type / Sector
- (Optional) Enter Date of Joining if applicable
- Click Check Pension Age
You’ll get:
- 📅 Your pension eligibility date
- 🧮 Your age at qualification
- 📋 Any waiting period (e.g., post-retirement vesting)
Standard Pension Eligibility by Sector (India)
| Sector | Pension Age / Rule |
|---|---|
| Central Govt (Old Pension Scheme) | 60 years (post-retirement) |
| Central Govt (NPS) | 60 years to start withdrawals |
| State Government (OPS/NPS) | 58–60 years depending on state |
| PSU / Bank Employees | 60 years or post-20 years of service |
| Armed Forces (Pensionable Ranks) | After 15–20 years service |
| Private Sector (EPFO) | Pension at 58 (withdrawals at 50+) |
| EPF/ESIC (Employees) | Superannuation at 58 |
🔎 Note: Early withdrawal may affect pension amount.
Example Calculation
DOB: 1 Jan 1970
Sector: PSU (Pensionable)
✅ Eligible for pension on 1 Jan 2030
✅ Age at pension start: 60 years
Key Pension Eligibility Criteria
- ✅ Minimum years of service (e.g., 10–20 years in govt)
- 📅 Minimum age (58 or 60 depending on sector)
- 🔐 Enrollment in pension scheme (OPS, NPS, EPFO, etc.)
- ⚠️ Early exit may reduce or disqualify benefits
Who Can Use This Tool?
- 👨💼 Central & state government employees
- 🧾 Pension-eligible PSU or bank workers
- 👵 Retirees planning post-60 finances
- 📋 Legal/HR professionals handling retirement cases
- 📈 NPS/EPFO members tracking milestones