Plain-English explanations of 7th CPC salary rules, DA, HRA, NPS, and the 8th Pay Commission — written by a Central Govt PSU employee with 16 years of experience.
Step-by-step leave encashment formula under CCS (Leave) Rules — with a fully worked example at Level 10 pay, EL encashment rules at retirement vs. during service, and tax exemption under Section 10(10AA). Includes 300-day cap explained and DA impact on your payout.
Current GPF interest rate is 7.1% p.a. for FY 2025-26. Complete guide covering the full rate history since 2016, exact calculation method using minimum balance rule, and a worked example for a Level 7 employee.
Understand every component of your 7th Pay Commission salary — Basic Pay, DA 60%, HRA, TA, NPS deductions. Worked example for Level 7 Y-class city employee.
Complete guide to 8th Pay Commission salary projections. Fitment factor scenarios from 1.92x to 2.57x with level-wise projected Basic Pay for all grades.
Understand exactly how Dearness Allowance is calculated from the AICPI index. July 2026 DA expected at 63-64%. Calculate your revised salary and arrears.
Complete guide to HRA exemption under Section 10(13A) for Central Govt employees. Three-rule comparison with real examples for X, Y, Z class cities.
Data-driven comparison of NPS and GPF for Central Govt employees. Corpus projections, pension estimates, and honest assessment of which retirement system wins.
Which tax regime saves more for Central Govt employees in FY 2025-26? Real examples with HRA exemption, NPS deductions, and break-even analysis.