Central 8th Pay Commission

Should You Commute 40% of Your Pension? A Mathematical Analysis of Loss vs Wealth Creation

Pension, NPS & Retirement Benefits

Feb 14, 2026

Should You Commute 40% of Your Pension? A Mathematical Analysis of Loss vs Wealth Creation

The definitive guide to Pension Commutation (2026). Analyze the 15-year repayment loss vs investment gain. Understand the 'Mortality Shield' (Rule 10A), tax benefits, and why...

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Commutation of Pension: Will Restoration Period Reduce from 15 to 12 Years? (8th CPC Update)

Pension, NPS & Retirement Benefits

Jan 31, 2026

Commutation of Pension: Will Restoration Period Reduce from 15 to 12 Years? (8th CPC Update)

Will the 8th Pay Commission reduce the pension commutation restoration period to 12 years? Analyze the recovery math, interest rates, and the 11-year breakeven point.

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