ஓய்வூதியம் மற்றும் பிற ஓய்வுக்கால பலன்கள்

Pension and Other Retirement Benefits is Demand No.50, carrying Rs.47,239.75 crore for 2026-27.

Three regimes by date of appointment: before 01-04-2003 the Defined Benefit Pension Scheme; 01-04-2003 to 31-12-2025 the Contributory Pension Scheme; from 01-01-2026 the Tamil Nadu Assured Pension Scheme.

6,98,040 pensioners and family pensioners were drawing benefits under the Defined Benefit Pension Scheme as on 31-07-2026.

Only 1,67,350 serving employees remain under the Defined Benefit Scheme - the pre-2003 cohort is nearly exhausted.

Rs.47,239.75 crore is allocated under Demand No.50 for 2026-27 - the single largest committed liability in the State budget after salaries.

Pension expenditure has risen from Rs.26,260.37 crore in 2021-22 to Rs.44,814.37 crore in 2025-26 (RE), and from 12.66% to 14.47% of total revenue receipts.

10 completed years of qualifying service for a pension at all; 30 years for full pension, calculated at 50% of last pay drawn.

Minimum pension - and minimum family pension - is Rs.7,850 a month from 01-10-2017. Staff of aided educational institutions get the same.

Additional pension begins on completing 80, 85, 90, 95 and 100 years - that is, on commencement of the 81st, 86th, 91st, 96th and 101st year - at 20%, 30%, 40%, 50% and 100%.

1,07,016 pensioners and family pensioners draw additional pension; 110 of them are aged 100 or more and draw double.

Service pensioners: 3,77,795 State civil pensioners, 63,051 retired teachers and college professors of aided institutions and 2,986 others.

Family pensioners: 2,24,977 State civil, 25,185 from aided institutions and 4,046 others.

Service Gratuity is for those with less than 10 years of qualifying service - the floor below which pension itself is not admissible.

Death Gratuity: half a month's emoluments for every completed six months, capped at 33 times monthly emoluments, under the Tamil Nadu Pension Rules 1978.

Retirement Gratuity needs 5 years of qualifying service; for those retiring on or after 01-04-1998 it is computed on basic pay plus dearness allowance.

The gratuity ceiling - death and retirement alike - is Rs.25 lakh from 01-01-2024.

Family pension is not less than 30% of the minimum of the pay in the level from which the pensioner retired, subject to the Rs.7,850 floor.

Ex-gratia relief of Rs.645 a month with 458% dearness allowance goes to families of CPF and non-pensionable beneficiaries and former District Board employees who retired or died before 01-01-1986.

Up to one-third of pension may be commuted for a lump sum, including on voluntary retirement, but dearness allowance is still paid on the original uncommuted pension.

Medical allowance of Rs.300 a month from 01-10-2017, on top of dearness allowance paid at par with serving employees.

Pongal Prize of Rs.1,000 to Group C and D pensioners and to all family pensioners irrespective of group, from 01-01-2026. Festival advance is Rs.6,000, recovered in ten instalments.

Pension is credited directly through the RBI's e-Kuber system; the Accountant General sends authorisations electronically into IFHRMS, which auto-generates the bills.

Life certificates can be given four ways: a digital certificate on the Jeevan Pramaan portal, by post, by physical appearance, or through the Kalanjiyam mobile app.

India Post Payments Bank offers doorstep life-certificate service; 40,054 pensioners used it.