Which pay slab sets your benevolent and insurance deductions
Federal employees have two small deductions with large benefits: the Benevolent Fund, which pays the family a monthly grant, and Group Insurance, which pays a sum assured on death in service. Both are set by pay slabs in schedules to the 1972 rules. This calculator finds your slabs, shows the monthly deductions and the benefits linked to them, and also covers the Punjab Benevolent Fund's 3% contribution.
For federal employees, the Seventh Schedule to the 1972 rules, in force from 1 July 2013, sets the monthly benevolent deduction and the matching monthly family grant by pay slab, from Rs 120 and Rs 4,000 up to Rs 960 and Rs 10,100 for pay above Rs 39,000. The Eighth Schedule, from 1 December 2013, sets the group insurance premium and sum assured, from Rs 381 and Rs 350,000 up to Rs 1,090 and Rs 1,000,000 for pay above Rs 65,000. The Ninth Schedule fixes a lump sum on invalid retirement by BPS. The Punjab Fund states a contribution of 3% of basic pay and a monthly grant by scale band.
The highlighted slab row shows where your pay sits in the official schedule, next to the deduction and the family benefit it buys.
What the fund, pensionable pay, BPS and status each decide
Pay decides the federal slabs and the Punjab contribution. BPS and status matter only for the invalid-retirement lump sum, the premium exemption and the Punjab grant band.
- Fund
- The two schemes use different methods. The federal fund charges fixed amounts by pay slab plus a group insurance premium, while the Punjab option takes 3% of basic pay and includes no insurance. The same Rs 95,240 gives Rs 2,050 a month under the federal fund and Rs 2,857 under Punjab's.
- Monthly pay that counts for pension
- For the federal fund, enter basic pay plus special, technical, personal and other pensionable pay, not gross salary; for Punjab, enter basic pay. Above Rs 39,000 the federal benevolent deduction stays at Rs 960, and above Rs 65,000 the premium stays at Rs 1,090, so at Rs 150,000 the total is still Rs 2,050.
- Basic pay scale
- BPS does not change the federal deductions. It selects the invalid-retirement lump sum, from Rs 150,000 for BPS 1–10 to Rs 390,000 for BPS 20–22, and the Punjab grant band. Moving from BS-17 to BS-18 raises the Punjab monthly family grant from Rs 6,500 to Rs 11,500 on the same contribution.
- Gazetted or non-gazetted
- Status matters only for the federal group insurance premium. For a non-gazetted employee in BS 1–15 the government pays it, so at Rs 38,000 pay in BS-14 the employee's deduction is Rs 912 rather than Rs 1,675. Non-gazetted BS-16 is charged the premium but flagged, because the Fund's FAQ and the rules footnote disagree.
Steps
- Choose the federal or Punjab fund.
- Enter your monthly pay and your basic pay scale; for the federal fund, choose gazetted or non-gazetted.
- Calculate to see the slab, the monthly deduction and the linked benefits.
Reading tip: Compare the result with the deductions on your pay slip. Under the 2026 pay scales, BS-1's minimum basic pay is Rs 16,280, so many federal employees are in the top benevolent slab of Rs 960.
Payslip and family-benefit checks by pay slab
Read your pay slip
Match the benevolent and group insurance deductions on your slip with the official slabs.
Know family benefits
See the monthly grant and insurance sum your family would receive on death in service.
Invalid retirement
Look up the lump sum fixed for your BPS on retirement because of full incapacity.
Compare federal and Punjab
See how a 3% Punjab contribution compares with the fixed federal slabs.
How the calculation works
- slab
- The pay range in the schedule that contains your monthly pay, for example Rs 39,001 and above.
- grant
- Monthly amount paid to the family from the Benevolent Fund after the employee's death or full incapacity.
- premium
- Monthly group insurance contribution for the sum assured paid on death in service.
- BPS
- Basic pay scale, used for the invalid-retirement lump sum and the premium exemption.
The schedules are dated 2013; confirm current amounts with the Fund before relying on them.
What every part means
- slab
- The pay range in the schedule that contains your monthly pay, for example Rs 39,001 and above.
- grant
- Monthly amount paid to the family from the Benevolent Fund after the employee's death or full incapacity.
- premium
- Monthly group insurance contribution for the sum assured paid on death in service.
- BPS
- Basic pay scale, used for the invalid-retirement lump sum and the premium exemption.
Calculate it step by step
The highest row, for pay of Rs 39,001 and above, is Rs 960 and Rs 10,100.
The sum assured is paid only on death in service.
For the Punjab Fund, the contribution is 3% of basic pay, rounded to the nearest rupee.
Slabs are copied from the Seventh, Eighth and Ninth Schedules in the Federal Employees Benevolent and Group Insurance Funds manual (2023 edition) and its benevolent grant schedules; FEB&GIF's notifications list shows no later amendment to the Seventh or Eighth Schedule. Section 2(7) of the 1969 Act says pay includes emoluments that reckon for pension, and FEB&GIF's FAQ Q-2.8 says the slab uses basic pay plus special, technical and personal pay and other pensionable emoluments. Punjab figures are from the Punjab Benevolent Fund's website, which does not give an effective date.
See how Calculation Guide tests examples and handles calculation limits.
See it in practice
- Fund
- Federal employees (Benevolent Fund and Group Insurance)
- Monthly pay that counts for pension
- 95240 Rs
- Basic pay scale (BPS)
- 17 1 to 22
- Status
- Gazetted officer
Pay Rs 95,240: benevolent Rs 960 (grant Rs 10,100) + premium Rs 1,090 (sum assured Rs 1,000,000) = Rs 2,050 a month, Rs 24,600 a year.
- Benevolent Fund deductionRs 960
- Group insurance premiumRs 1,090
Interpretation & limitations
How to read your result
Example: a BS-17 gazetted officer with monthly pay of Rs 95,240 is in the top benevolent slab, paying Rs 960 a month for a family grant of Rs 10,100 a month. The group insurance premium is Rs 1,090 for a sum assured of Rs 1,000,000. Together the officer pays Rs 2,050 a month, or Rs 24,600 a year. The invalid-retirement lump sum for BPS 17 to 19 is Rs 270,000.
Where this estimate stops
The calculator does not decide eligibility or claims. It leaves out grants for marriage, burial, education and farewell, the additional grant for security-related deaths, and any change made after the Fund's 2023 schedules. The Punjab table may have been revised without a date on the website. Confirm with the Fund or your accounts office before relying on a figure.
Frequently asked questions
01Who pays the group insurance premium?
For non-gazetted federal employees the government pays it. The manual's footnote, citing an Establishment Division decision of 12 April 1969, says BS 1 to 15, while FEB&GIF's current FAQ says BS 1 to 16. Other employees pay it from their pay.
02How long is the benevolent grant paid to the family?
Under section 13(3) of the 1969 Act as amended in 2015, the monthly grant is paid to the spouse for life. If there is no spouse, other eligible family members receive it for 15 years.
03When is the group insurance sum assured paid?
Only on the employee's death while in service, under section 15 of the 1969 Act. It is not paid on retirement.
04What is the lump sum on invalid retirement?
The Ninth Schedule sets Rs 150,000 for BPS 1–10, Rs 210,000 for BPS 11–16, Rs 270,000 for BPS 17–19 and Rs 390,000 for BPS 20–22.
05Why does the Fund's FAQ show 2% of pay?
That FAQ is out of date. The Seventh Schedule from 1 July 2013 replaced percentage deductions with fixed amounts by slab.
06Does the Punjab Fund have group insurance?
Group insurance for Punjab employees is a separate scheme not covered here. This page shows only the Punjab Benevolent Fund contribution and monthly grant.