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Last 5 years Basic + DA average = 150000

Pension per month= 21429


% return on corpus surrender for pension= 6
2500000
surrender value to get % pension of corpus( asummed )= 1750000
Investing same corpus in mf or fd having % or CAGR of= 6
pensionable years after retirement total value before SWP payment
1 1855000
2 1693729
3 1522781
4 1341576
5 1149499
6 945898
7 730080
8 501314
9 258821
10 1779
11 -270686
12 -559498
13 -865640
14 -1190149
15 -1534130
16 -1898749
17 -2285245
18 -2694931
19 -3129199
20 -3589522
21 -4077465
22 -4594684
23 -5142937
24 -5724084
25 -6340101
26 -6993078
27 -7685234
28 -8418920
29 -9196626
30 -10020995
31 -10894827
32 -11821088
33 -12802924
34 -13843671
35 -14946863
36 -16116246
37 -17355792
38 -18669711
39 -20062465
40 -21538785
41 -23103683
42 -24762476
43 -26520796
44 -28384615
45 -30360263
46 -32454450
47 -34674289
48 -37027318
49 -39521528
50 -42165391
Years of service= 10

257143

total value after SWP


1597857
1436586
1265638
1084433
892357
688755
472938
244171
1678
-255364
-527828
-816641
-1122782
-1447292
-1791273
-2155892
-2542388
-2952074
-3386342
-3846665
-4334608
-4851827
-5400079
-5981227
-6597244
-7250221
-7942377
-8676063
-9453769
-10278138
-11151969
-12078231
-13060067
-14100814
-15204006
-16373389
-17612935
-18926854
-20319608
-21795928
-23360826
-25019619
-26777939
-28641758
-30617406
-32711593
-34931432
-37284460
-39778671
-42422534

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