Many veterans and disabled soldiers are intimating me amount of 7^{th} CPC arrears their banks remitted and ask me whether the arrears received is correct or not. I do the calculations with a simple formula to arrive at their arrears.

With this simple formula you can calculate your own 7^{th} CPC arrears and you need not approach me or anyone else to know correctness of your arrears. I will illustrate with my own case

** 7^{th} CPC Arrears : Jan to Jun 2016**.

You are paid pension from Jul 2014 to Dec 2015 depending upon your rank, length of service (excluding rank weightage and Group (for JCOs & OR).OROP pension without DR is given in Table 1 of Circular 555 for Officers and Table 7 for JCOs & OR.

Thereafter from January to Nov 2016 with your pension in 7^{th} CPC got enhanced by 2.57 times of OROP Basic Pension. This is what you should have got. But orders to the banks were given only on 29 Sep 2016 vide Circular 570 to implement by 29 Dec 2016. Therefore you were continued to be paid your pension at OROP x 2.25 (pension +125% of DR) from Jan to Nov 2016.

You received your arrears of 7^{th} CPC (from Jan to Nov 2016) and pension of December with 2% DR by end of Dec 2016. SBI Telangana paid me my 7th CPC arrears on 28 Dec 2016.

You know arrears = What you should have been paid – What you were actually paid.

From the above you can make out your arrears are dependent upon your **OROP Basic Pension (without DR)**

__What You should have been Paid __

** Jan to Jun 2016.** You should have got your enhanced pension = OROP x 2.57 with DR @ 0% (DR for first six months in any CPC period is 0 %)

** Jul to Nov 2016.** Govt of India sanctioned DR @ 2% for this period. Your enhanced pension in this period of five months is = 2.57 x 1.02 x OROP. (1.02 is because of 2% DR)

Arrears **Jan to Nov 16** = 2.57 x OROP x 6 months (Jan to Jun 16) + 2.57 x 1.02 x 5 months (Jul to Nov 16)

= 2.57 x OROP (6+1.02 x 5)

= 28.5270 x OROP

__What Your Bank has Paid : Jan to Nov 2016?__

Govt of India announced DR for the period Jul to Nov 2016 sometime in Oct 2016. Therefore your bank paid at 125% of OROP for 11 months (Jan to Nov 2016).

= OROP x 2.25 x 11

= 24.75 x OROP

Arrears = (28.5270 – 27.75) x OROP

= **3.777 x OROP**

What is my 7^{th} CPC arrears as Brig with 32 years’ service?

= 3.777 x 37280 (Table 1 of Circular 555)

= Rs 1,40,807

So you just multiply your OROP Basic Pension (without DR as given in Table 1 or 7 of Circular 555) with **3.777** to get your 7^{th} CPC arrears.

__Disabled Soldiers__

Govt of India based on the representation of three service HQs have referred the disability element of pension to the Anomaly committee. So your disability element is frozen with rates as in Dec 2015. You will get your arrears depending upon the recommendation of the Anomaly Committee and after the recommendations are approved by Govt of India. Banks erroneously paid you Disability element at 125% where as it should have been at 119% as prevailing in Dec 2015. Therefore banks have recovered excess paid to you i.e. 6% of DR from your 7^{th} CPC arrears.

__ For 100% disability the disability element is 30% of Last Pay Drawn__.

Last Pay Drawn = 2 x Pension

Disability Element for 100% Disability = 2 x Pension x 0.30 = 0.60 x OROP per month

Excess DR Paid (125-119 =6%) from Jan to Nov 2016 (11 months) for 100% Disability = 0.6 x 11 x 0.06 x OROP

Recovery Made by Banks for 100% Disability = OROP x 0.6 x 11(months) x 0.06 (excess DR paid)

= **OROP x 0.3960**

Most of you were granted disability element at the rate of 20%.

The recovery made by your bank for 20% disability = 11 x 0.06 (Excess DR) x 0.30(30% of last pay drawn for 100 % disability) x 0.20 ( your20% disability) = OROP x 0.3960 x 20/100

If I were disabled with 20% then recover would have been = 0.0396 x 37280 x 0.20 = Rs 2,953

So depending upon your disability per centage the recovery effected by your bank

= **OROP x 0.3960 x Your Disability Percentage /100**** **

**What Can you do if 7th CPC Arrears Not yet Remitted **

If banks delayed payment then you are entitled to claim 8% penal interest from the banks. I am told Bank of India has still not remitted your 7th CPC arrears. Firstly give a warning to CPPC, Bank of India and then send a complaint to RBI Ombudsman of your State. You will get arrears with penal interest.

**PS:** But if your PPO does not contain any one data out of your (a) rank, (b) length of service and (c) Group X or Y (for JCOs and OR) then banks are not at fault. It is you who have failed to get your PPO corrected.