How to use it
- Pick your 7th CPC pay level and your basic pay (the cell on your pay slip). DA starts at the current 60%.
- Choose your city class for HRA and your transport allowance place.
- Choose a fitment factor, or tap one of the figures discussed publicly, and compare today's gross pay with the estimate.
How it's worked out
Today: DA = basic × 60%, HRA = basic × 30/20/10% (at least ₹5,400/₹3,600/₹1,800), transport allowance from the 2017 slabs plus DA on it. Estimate: new basic = basic × fitment factor, then DA, HRA and transport allowance with the rates you set for the new pay. The 7th CPC fixed pay the same way, with a factor of 2.57.
Worked example
Level 6, first cell (₹35,400 basic) in an X city with the higher transport allowance: today 35,400 + DA 21,240 + HRA 10,620 + transport 3,600 + DA on transport 2,160 = ₹73,020 a month. At a fitment factor of 2.57, with DA back to 0% and HRA at 24%, the basic becomes ₹90,978 and the gross about ₹1,16,413, ₹43,393 (59.4%) more.
Fitment factors discussed publicly (none official)
| Factor | Where it comes from | Level 1 basic (₹18,000) becomes |
|---|---|---|
| 1.83 | Lower end of Ambit Capital's range (July 2025) | ₹32,940 |
| 1.92 | Former finance secretary Subhash Chandra Garg (January 2025) | ₹34,560 |
| 2.08 | Upper end of Garg's estimate | ₹37,440 |
| 2.46 | Upper end of Ambit Capital's range | ₹44,280 |
| 2.57 | The 7th Pay Commission's actual factor (2016) | ₹46,260 |
| 2.86 | Staff side of the National Council (JCM), reported | ₹51,480 |
Current rates used (checked 7 October 2026)
- Pay matrix: CCS (Revised Pay) Rules, 2016, as amended in 2017 (Level 13 as modified on 28 September 2017).
- DA: 60% of basic pay from 1 January 2026 (Department of Expenditure OM of 22 April 2026). The July 2026 rate hadn't been announced.
- HRA: 30%, 20% and 10% for X, Y and Z cities once DA passed 50% (DoE OM of 7 July 2017), minimum ₹5,400, ₹3,600 and ₹1,800.
- Transport allowance (DoE OM of 7 July 2017): Level 9 and above ₹7,200 in higher-TPTA cities and ₹3,600 elsewhere; Levels 3–8 ₹3,600 and ₹1,800; Levels 1–2 ₹1,350 and ₹900 (₹3,600 and ₹1,800 from ₹24,200 pay), plus DA. Higher-TPTA cities: Hyderabad, Patna, Delhi, Ahmedabad, Surat, Bengaluru, Kochi, Kozhikode, Indore, Greater Mumbai, Nagpur, Pune, Jaipur, Chennai, Coimbatore, Ghaziabad, Kanpur, Lucknow and Kolkata.
- 8th Pay Commission: Resolution of 3 November 2025 (Gazette of India), report due within 18 months.
An estimate for planning, not an official pay figure or advice. Ministries such as Railways and Defence issue their own HRA and allowance orders.