How your date of retirement is worked out
For government employees, the date of retirement is the last day of the month in which you reach the retirement age. Fundamental Rule 56 sets this for central government service: you retire in the afternoon of that day, so a birthday on the 15th of the month still means a full month's salary. The one exception is a birthday on the 1st, where retirement moves to the last day of the month before.
Two people, both retiring at 60
- Born 15 Mar 1966Turns 60 on 15 Mar 2026
- Retires31 Mar 2026, the last day of that month
- Born 1 Mar 1966Counted as completing 60 on 28 Feb 2026
- Retires28 Feb 2026, the last day of the month before
- Born 15 Mar 1966Turns 60 on 15 Mar 2026
- Retires31 Mar 2026, the last day of that month
- Born 1 Mar 1966Counted as completing 60 on 28 Feb 2026
- Retires28 Feb 2026, the last day of the month before
The private sector has no single rule
No central law fixes a private-sector retirement date. Your company's policy, standing orders or appointment letter decides it, and many retire you on the birthday itself or at the end of that month. Use the birthday option above if your policy is silent on month-end.
Your retirement date is not your pension date
The day your salary stops and the day your pensions start are set by different systems. The EPS pension normally begins at 58, NPS income at exit, and your own savings whenever they can carry you. The retirement age in India guide sets out each one, and the retirement calculator shows the chance your savings last from the date above.