8th Pay Commission Salary Calculator Level 5 – UDC / Senior Clerk
Level 5 corresponds to Grade Pay ₹2,800 under the Pay Matrix. Popular recruitment channels include SSC CGL for CAG Auditors and CGA Accountants, alongside senior railway clerks and Army Havildars. Explore detailed 8th CPC projections across 9 fitment factor scenarios (1.92 to 3.83), estimated HRA, TA, DA, NPS deductions, monthly/annual increase, and arrears calculations.
⚡ 7th CPC Basic: ₹29,200
Grade Pay: ₹2800
PB-1 (5200-20200)
Group C
🔮 Expected 8th Basic: ₹66,600
7th CPC Basic Pay
₹29,200
Entry Step 1 Baseline
8th CPC Projected Basic (2.28x)
₹66,600
+₹37,400 Monthly Hike
Estimated In-Hand Pay (Class X)
₹82,750
After 10% NPS Deduction
Estimated Arrears (20 Months)
₹7,48,000
Lump-sum 20-Mo Payout
🔮 8th Pay Commission Fitment Factor Matrix for Level 5
Complete overview of projected starting basic pay across all 9 fitment factor scenarios (1.92 to 3.83):
1.92 Fitment
₹56,100
+₹26,900
2.00 Fitment
₹58,400
+₹29,200
2.15 Fitment
₹62,800
+₹33,600
2.28 Fitment
₹66,600
+₹37,400
2.57 Fitment
₹75,000
+₹45,800
2.86 Fitment
₹83,500
+₹54,300
3.00 Fitment
₹87,600
+₹58,400
3.68 Fitment
₹1,07,500
+₹78,300
3.83 Fitment
₹1,11,800
+₹82,600
🧮 Interactive 8th Pay Commission Level 5 Calculator
Select your current 7th CPC stage, fitment factor scenario, and city class to calculate your exact revised basic, allowances, deductions, net in-hand salary, and arrears.
1. Calculator Inputs
2. Calculated Salary & Arrears Breakdown
📊 Level 5 Salary & Arrears Comparison: 1.92 to 3.83 Fitment Factors
Comprehensive comparison table for Entry Level 5 Basic Pay (₹29,200) illustrating projected basic pay, estimated HRA, TA, DA, gross salary, NPS deductions, estimated in-hand salary, monthly/annual increase, and 20-month arrears payout across all 9 fitment factors:
| Fitment | 8th CPC Projected Basic | Estimated HRA | Estimated TA | Estimated DA | Gross Salary | Deductions (NPS) | Estimated In-Hand | Monthly Increase | Annual Increase | Arrears |
|---|---|---|---|---|---|---|---|---|---|---|
| 1.92x | ₹56,100 | ₹16,830 | ₹3,600 | ₹0 (0%) | ₹76,530 | ₹5,610 | ₹70,150 | +₹14,352 | +₹1,72,224 | ₹5,38,000 |
| 2.00x | ₹58,400 | ₹17,520 | ₹3,600 | ₹0 (0%) | ₹79,520 | ₹5,840 | ₹72,910 | +₹17,112 | +₹2,05,344 | ₹5,84,000 |
| 2.15x | ₹62,800 | ₹18,840 | ₹3,600 | ₹0 (0%) | ₹85,240 | ₹6,280 | ₹78,190 | +₹22,392 | +₹2,68,704 | ₹6,72,000 |
| 2.28x Expected | ₹66,600 | ₹19,980 | ₹3,600 | ₹0 (0%) | ₹90,180 | ₹6,660 | ₹82,750 | +₹26,952 | +₹3,23,424 | ₹7,48,000 |
| 2.57x | ₹75,000 | ₹22,500 | ₹3,600 | ₹0 (0%) | ₹1,01,100 | ₹7,500 | ₹92,830 | +₹37,032 | +₹4,44,384 | ₹9,16,000 |
| 2.86x | ₹83,500 | ₹25,050 | ₹3,600 | ₹0 (0%) | ₹1,12,150 | ₹8,350 | ₹1,03,030 | +₹47,232 | +₹5,66,784 | ₹10,86,000 |
| 3.00x | ₹87,600 | ₹26,280 | ₹3,600 | ₹0 (0%) | ₹1,17,480 | ₹8,760 | ₹1,07,950 | +₹52,152 | +₹6,25,824 | ₹11,68,000 |
| 3.68x | ₹1,07,500 | ₹32,250 | ₹3,600 | ₹0 (0%) | ₹1,43,350 | ₹10,750 | ₹1,31,830 | +₹76,032 | +₹9,12,384 | ₹15,66,000 |
| 3.83x | ₹1,11,800 | ₹33,540 | ₹3,600 | ₹0 (0%) | ₹1,48,940 | ₹11,180 | ₹1,36,990 | +₹81,192 | +₹9,74,304 | ₹16,52,000 |
🏛️ Eligible Posts & Designations in Level 5
Central Government departments, key designations, and exams covered under Pay Matrix Level 5:
🏛️
Auditor (CAG / CGDA / CGA)
🏛️
Accountant / Junior Accountant
🏛️
Havildar (Indian Army Level 5)
🏛️
Senior Commercial Clerk (Railways)
🏛️
Assistant Sub-Inspector (ASI)
Cadre Specifications
| Pay Level | Level 5 |
| Pay Band | PB-1 (5200-20200) |
| Grade Pay Equivalent | Grade Pay ₹2800 |
| Group Classification | Group C |
| Primary Recruitment Exam | SSC CGL (Auditor / Accountant) / RRB NTPC Senior Clerk |
| Next Promotion Stage | Level 6 (Station Master / Inspector / Subedar) |
| Annual Increment Rate | 3% (Rounded to nearest ₹100) |
📖 How 8th Pay Commission Salary & Arrears are Calculated
The formula for fixing pay in the 8th Central Pay Commission relies on the Fitment Factor applied to the current 7th CPC basic pay:
8th CPC Basic Pay = 7th CPC Basic Pay × Fitment Factor (Rounded to nearest ₹100)
Key elements governing your monthly take-home salary:
- Dearness Allowance (DA): When a new pay commission is notified, existing DA (e.g. 60%) is merged into the revised basic, resetting the new DA counter to 0%.
- House Rent Allowance (HRA): Under standard government norms, HRA starts at 30% for Class X (Metropolitan), 20% for Class Y, and 10% for Class Z cities.
- Transport Allowance (TA): Transport allowance is paid according to pay level and location classification.
- Deductions (NPS / GPF): 10% of (Basic Pay + DA) is mandatorily deducted for National Pension System (NPS) along with CGHS and CGEGIS.
- Arrears Formula: If the 8th CPC takes effect from January 1, 2026 and gets implemented in August/September 2027, employees receive retroactive arrears equal to the monthly basic difference multiplied by the arrears period (approx 20 months).
📊 Complete Level 5 Step-by-Step 7th vs 8th CPC Progression Table
All annual increment stages under Level 5 showing current 7th CPC salary alongside projected 8th CPC baseline pay (2.28 Fitment Factor) and 20-month arrears calculation:
| Stage / Step | 7th CPC Basic | DA (60%) | HRA (30%) | Est. 7th Gross | 7th Net Pay | 8th CPC Basic (2.28x) | 20-Mo Arrears |
|---|---|---|---|---|---|---|---|
| Step 1 | ₹29,200 | ₹17,520 | ₹8,760 | ₹61,240 | ₹56,268 | ₹66,600 | ₹7,48,000 |
| Step 2 | ₹30,100 | ₹18,060 | ₹9,030 | ₹62,950 | ₹57,834 | ₹68,600 | ₹7,70,000 |
| Step 3 | ₹31,000 | ₹18,600 | ₹9,300 | ₹64,660 | ₹59,400 | ₹70,700 | ₹7,94,000 |
| Step 4 | ₹31,900 | ₹19,140 | ₹9,570 | ₹66,370 | ₹60,966 | ₹72,700 | ₹8,16,000 |
| Step 5 | ₹32,900 | ₹19,740 | ₹9,870 | ₹68,270 | ₹62,706 | ₹75,000 | ₹8,42,000 |
| Step 6 | ₹33,900 | ₹20,340 | ₹10,170 | ₹70,170 | ₹64,446 | ₹77,300 | ₹8,68,000 |
| Step 7 | ₹34,900 | ₹20,940 | ₹10,470 | ₹72,070 | ₹66,186 | ₹79,600 | ₹8,94,000 |
| Step 8 | ₹35,900 | ₹21,540 | ₹10,770 | ₹73,970 | ₹67,926 | ₹81,900 | ₹9,20,000 |
| Step 9 | ₹37,000 | ₹22,200 | ₹11,100 | ₹76,060 | ₹69,840 | ₹84,400 | ₹9,48,000 |
| Step 10 | ₹38,100 | ₹22,860 | ₹11,430 | ₹78,150 | ₹71,754 | ₹86,900 | ₹9,76,000 |
| Step 11 | ₹39,200 | ₹23,520 | ₹11,760 | ₹80,240 | ₹73,668 | ₹89,400 | ₹10,04,000 |
| Step 12 | ₹40,400 | ₹24,240 | ₹12,120 | ₹82,520 | ₹75,756 | ₹92,100 | ₹10,34,000 |
| Step 13 | ₹41,600 | ₹24,960 | ₹12,480 | ₹84,800 | ₹77,844 | ₹94,800 | ₹10,64,000 |
| Step 14 | ₹42,900 | ₹25,740 | ₹12,870 | ₹87,270 | ₹80,106 | ₹97,800 | ₹10,98,000 |
| Step 15 | ₹44,200 | ₹26,520 | ₹13,260 | ₹89,740 | ₹82,368 | ₹1,00,800 | ₹11,32,000 |
| Step 16 | ₹45,500 | ₹27,300 | ₹13,650 | ₹92,210 | ₹84,630 | ₹1,03,700 | ₹11,64,000 |
| Step 17 | ₹46,900 | ₹28,140 | ₹14,070 | ₹94,870 | ₹87,066 | ₹1,06,900 | ₹12,00,000 |
| Step 18 | ₹48,300 | ₹28,980 | ₹14,490 | ₹97,530 | ₹89,502 | ₹1,10,100 | ₹12,36,000 |
| Step 19 | ₹49,700 | ₹29,820 | ₹14,910 | ₹1,00,190 | ₹91,938 | ₹1,13,300 | ₹12,72,000 |
| Step 20 | ₹51,200 | ₹30,720 | ₹15,360 | ₹1,03,040 | ₹94,548 | ₹1,16,700 | ₹13,10,000 |
| Step 21 | ₹52,700 | ₹31,620 | ₹15,810 | ₹1,05,890 | ₹97,158 | ₹1,20,200 | ₹13,50,000 |
| Step 22 | ₹54,300 | ₹32,580 | ₹16,290 | ₹1,08,930 | ₹99,942 | ₹1,23,800 | ₹13,90,000 |
| Step 23 | ₹55,900 | ₹33,540 | ₹16,770 | ₹1,11,970 | ₹1,02,726 | ₹1,27,500 | ₹14,32,000 |
| Step 24 | ₹57,600 | ₹34,560 | ₹17,280 | ₹1,15,200 | ₹1,05,684 | ₹1,31,300 | ₹14,74,000 |
| Step 25 | ₹59,300 | ₹35,580 | ₹17,790 | ₹1,18,430 | ₹1,08,642 | ₹1,35,200 | ₹15,18,000 |
| Step 26 | ₹61,100 | ₹36,660 | ₹18,330 | ₹1,21,850 | ₹1,11,774 | ₹1,39,300 | ₹15,64,000 |
| Step 27 | ₹62,900 | ₹37,740 | ₹18,870 | ₹1,25,270 | ₹1,14,906 | ₹1,43,400 | ₹16,10,000 |
| Step 28 | ₹64,800 | ₹38,880 | ₹19,440 | ₹1,28,880 | ₹1,18,212 | ₹1,47,700 | ₹16,58,000 |
| Step 29 | ₹66,700 | ₹40,020 | ₹20,010 | ₹1,32,490 | ₹1,21,518 | ₹1,52,100 | ₹17,08,000 |
| Step 30 | ₹68,700 | ₹41,220 | ₹20,610 | ₹1,36,290 | ₹1,24,998 | ₹1,56,600 | ₹17,58,000 |
| Step 31 | ₹70,800 | ₹42,480 | ₹21,240 | ₹1,40,280 | ₹1,28,652 | ₹1,61,400 | ₹18,12,000 |
| Step 32 | ₹72,900 | ₹43,740 | ₹21,870 | ₹1,44,270 | ₹1,32,306 | ₹1,66,200 | ₹18,66,000 |
| Step 33 | ₹75,100 | ₹45,060 | ₹22,530 | ₹1,48,450 | ₹1,36,134 | ₹1,71,200 | ₹19,22,000 |
| Step 34 | ₹77,400 | ₹46,440 | ₹23,220 | ₹1,52,820 | ₹1,40,136 | ₹1,76,500 | ₹19,82,000 |
| Step 35 | ₹79,700 | ₹47,820 | ₹23,910 | ₹1,57,190 | ₹1,44,138 | ₹1,81,700 | ₹20,40,000 |
| Step 36 | ₹82,100 | ₹49,260 | ₹24,630 | ₹1,61,750 | ₹1,48,314 | ₹1,87,200 | ₹21,02,000 |
| Step 37 | ₹84,600 | ₹50,760 | ₹25,380 | ₹1,66,500 | ₹1,52,664 | ₹1,92,900 | ₹21,66,000 |
| Step 38 | ₹87,100 | ₹52,260 | ₹26,130 | ₹1,71,250 | ₹1,57,014 | ₹1,98,600 | ₹22,30,000 |
| Step 39 | ₹89,700 | ₹53,820 | ₹26,910 | ₹1,76,190 | ₹1,61,538 | ₹2,04,500 | ₹22,96,000 |
| Step 40 | ₹92,300 | ₹55,380 | ₹27,690 | ₹1,81,130 | ₹1,66,062 | ₹2,10,400 | ₹23,62,000 |
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