Pension · Sindh · Finance Department
Sindh Pension Calculator
Gross pension, the commutation lump sum and the year it restores, then Sindh's own increase history — including the 2022 order that cancelled eight years of increases for anyone retiring after 30 June 2022 and replaced them with a single 63.5%.
Sindh cancelled eight increases in 2022. Anyone retiring on or after 1 July 2022 gets a single 63.5% of net pension instead of the 2011 to 2021 increases. Retire a day earlier and you keep all eight, plus 5%. The table below shows which side of the line you fall on.
These are the federal percentages, not a Sindh notification. Every row they produce is labelled an assumption — replace any figure you can verify.
Other pay and allowances
Year by year
How the annual increases build your pension
| Increase | Rate | Amount | Running pension | Note |
|---|
Each increase compounds on the total before it, and one you retired after does not apply to you at all — which is why two people on identical pay and service can draw very different pensions.
Sindh is not a relabelled federal chain and must never be treated as one. Its 2017, 2019 and 2020 percentages differ from the federal ones, and in 2022 it did something no other jurisdiction here did: for anyone retiring on or after 1 July 2022 it CANCELLED all eight earlier increases and replaced them with a single 63.5% of net pension. Someone who retired on 30 June 2022 therefore carries a completely different history from someone who retired the next day.
The 2011 to 2022 percentages below are taken verbatim from the 13 July 2022 notification, which lists all eight prior increases by year. No Sindh notification for 2023 onwards could be found on finance.gos.pk — the 2024, 2025 and 2026 Finance Department memoranda published there deal with adhoc relief and pay scales and carry no pension increase. Those years are therefore left for you to enter rather than assumed.
Step by step
How the pension is worked out
Qualifying service
Years between appointment and retirement, rounded up if the remainder passes five months, capped at 30.
Gross pension
Emoluments multiplied by service, times seven over three hundred. Thirty years earns 70% of pay.
Commutation
The share you commute is converted to a lump sum using an age factor, and returns to your monthly pension at restoration.
Increases and allowances
Each increase compounds on the one before it, and one you retired after does not apply at all. Sindh’s 2022 order goes further and cancels the earlier ones outright for later retirees. The medical allowance is added last.
Reading the result
Your retirement date changes the whole chain
Sindh does not simply mirror the federal increase history, and one order matters more than the rest: retirees from 1 July 2022 onward have eight separate earlier increases replaced by a single consolidated percentage, rather than accumulating them one by one.
The practical effect is large. Two people with identical service and identical last pay, retiring on either side of that date, can arrive at materially different monthly pensions. Neither figure is an error — they are governed by different orders.
Commutation is a trade, not a bonus
The lump sum is not extra money. You are selling part of your monthly pension for a number of years in exchange for cash now, and the monthly figure stays reduced until the commuted portion restores.
Whether that is a good trade depends on things a calculator cannot weigh: whether you have an immediate use for the capital that earns more than the pension you gave up, your health and family history, and whether you would actually invest the lump sum or spend it. Someone clearing a debt at a high rate is in a different position from someone who will leave it in a savings account.
Check the order, not the percentage
Because Sindh has diverged from the federal chain in several years, a figure someone quotes from a federal calculator will not match. When a number is disputed, the document that resolves it is the specific Finance Department notification for that year, not a comparison with a colleague in another province.
Where this stops
This applies the Sindh chain as recorded. The Accountant General Sindh holds your service record, and the Pension Payment Order issued from it governs.
FAQs
Sindh Pension Calculator FAQs
What did the 2022 Sindh notification actually do?
Office Memorandum No.FD(SR-III)3-230/2022 of 13 July 2022 split Sindh pensioners in two. Anyone who had retired on or before 30 June 2022 kept all eight earlier increases and got a further 5% from 1 July 2022. Anyone retiring on or after 1 July 2022 lost all eight — the memorandum says they "shall cease to exist" — and got a single increase of 63.5% of net pension instead.
Which eight increases were cancelled?
The memorandum lists them: 15% of 2011, 10% of 2015, 10% of 2016, 15% of 2017, 10% of 2018, 15% of 2019, 10% of 2020 and 10% of 2021. They still apply in full to anyone who retired by 30 June 2022.
Is 63.5% better or worse than the eight increases it replaced?
Worse, and by a wide margin. Compounded in order, the eight increases multiply a pension by roughly 2.2 times; 63.5% multiplies it by 1.635. That is why the retirement date matters so much in Sindh — one day either side of 1 July 2022 changes the pension permanently. Put both dates into this calculator and compare.
Does Sindh use the same percentages as the federal government?
No, and assuming so would be wrong. Sindh gave 15% in 2017 where the federal chain gave 10%, 15% in 2019 where the federal gave 10%, and 10% in 2020 where the federal government granted nothing at all. Those differences compound.
What does "net pension" mean in the notification?
Paragraph 3 of the memorandum defines it as the pension being drawn. The increase applies to what is actually in payment, not to the gross pension before commutation.
Does the increase apply to a family pension?
Yes. Paragraph 4 extends it to family pension under the Pension-cum-Gratuity Scheme 1954 and the Liberalized Pension Rules 1977, to pension under the Central Civil Services (Extra Ordinary Pension) Rules, and to the compassionate allowance under CSR-353.
Why does this calculator stop at 2022?
Because that is as far as a published Sindh notification could be verified. The Finance Department memoranda on finance.gos.pk for 2024, 2025 and 2026 deal with adhoc relief allowance and the revision of basic pay scales, and none of them carries a pension increase. Rather than assume Sindh followed the federal rate for 2023 onwards, those years are left blank for you to fill in.
Can I load the federal percentages for the missing years?
Yes, and every row they produce is labelled an assumption rather than a Sindh notification. Use it to get a working estimate, then replace any year you can verify from your own department order.
Is the medical allowance right for Sindh?
It is applied on the federal treatment — 25% of the post-2010 total below BPS 16, 20% at BPS 16 and above, plus a further 25% on the allowance. No separate Sindh notification confirming those percentages was found, so treat that line as indicative and check your PPO.
Is this the figure I will be paid?
It is an estimate. The Pension Payment Order issued by your Accountant General office governs, and it will account for anything this page cannot see — a break in service, leave without pay, a departmental penalty, or a later notification.
Related tools
Retired from the Federal government instead?
AGPR works from the average of your last 24 months' basic pay, and its increase history differs from Sindh's at 2017, 2019 and 2020.
Open that calculator