The AICPIN – IW (All-India Consumer Price Index Number – Industrial Workers) for November 2025 has been released on 31.12.2025, by Labour Bureau, under Ministry of Labour and Employment.
Based on the AICPIN of October, November and December 2025, Dearness Relief (DR) hike from February’26 to July’26 will be calculated. IBA will also declare the DR hike circular of Bank Pensioners in the first week of February’26.
हिंदी में पढ़े: 1 फरवरी 2026 से महंगाई राहत (DR) बैंक पेंशनरों के लिए
Major Contents in the Post: (Jump to the Section)
- Expected DR payable to Bank Pensioners from February’26 to July’26
- DR payable to Bank Pensioners for period August’25 to January’26
- Slab Calculation or formula of DR payable to Bank Pensioners
- DR for Bank Pensioners retired after 01.11.2022
- DR for Bank Pensioners retired between 01.11.2017 to 31.10.2022
- DR for Bank Pensioners retired between 01.11.2012 to 31.10.2017
- DR for Bank Pensioners retired between 01.11.2007 to 31.10.2012
- DR for Bank Pensioners retired between 01.11.2002 to 31.10.2007
- DR for Bank Pensioners retired between 01.04.1998 to 31.10.2002
- DR for Bank Pensioners retired between 01.11.1992 / 01.07.1993 to 31.03.1998
- DR for Bank Pensioners retired between 01.01.1986 to 31.10.1992 / 30.06.1993
- DR for Bank Pensioners, who has survived pre-01.01.1986 retirees of banks
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Expected Dearness Relief hike of Bank Pensioners for duration from February’26 to July’26:
DR slab and rate of Dearness Relief for Bank Pensioners are shown below for all kinds of retirement date range, for the period from February’26 to July’26. Based on the AICPIN-IW of October, November and December 2025, the slab and DR are calculated.
DR hike from 1st February 2026 to 31st July 2026 for bank pensioners:
Bank pensioners’ DR rate hike payable from August’25 to January’26 by IBA – Declared
- DR rate for the period August’25 to January’26 of bank pensioners will decrease to 21.13%, decrease of 0.07%, who retired on or after 01.11.2022.
- DR rate for the period August’25 to January’26 of bank pensioners will remain same at 54.74%, who retired on or after 01.11.2017.
- DR rate for the period August’25 to January’26 of bank pensioners will remain same at 126.0%, who retired on or after 01.11.2012.
- DR rate for the period August’25 to January’26 of bank pensioners will remain same at 249.15%, who retired on or after 01.11.2007.
- DR rate for the period August’25 to January’26 of bank pensioners will remain same at 323.64%, who retired on or after 01.11.2002.
- DR rate for the period August’25 to January’26 of bank pensioners will remain same at 467.76%, who retired on or after 01.11.1998.
- DR rate for the period August’25 to January’26 of bank pensioners will remain same at 729.05%, who retired on or after 01.11.1992 / 01.07.1993.
- DR rate for the period August’25 to January’26 of bank pensioners will remain same at 1487.40%, who retired between 01.01.1986 to 31.10.1992 / 30.06.1993.
Dearness Relief, DR of Bank Pensioners for period August’25 to January’26 by IBA:
Government of India had released average AICPIN for April, May and June 2025. With these ‘All India Average Consumer Price Index Number for Industrial Workers’ (AICPIN-IW), the Dearness Relief for Bank Pensioners has been declared for the period from August’25 to January’26 by Indian Banks Association (IBA) in addition to DA for bank’s working employees.
The Rate of Dearness Relief (DR) on pension has been declared 21.13% for Bank Pensioners, who retired on or after 01.11.2022. This increase in Dearness Relief (DR) are payable to pensioners of IBA’s member banks under regulation 37 of Bank Employees’ Pension Regulations.
IBA has also advised banks to pay on ad hoc basis the DR to the pensioners for period August’25 to January’26, due to pending amendments in Pension Regulations.
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IBA order regarding DR of Bank Pensioners for period August’25 to January’26 : (IBA website)
DR for Bank Pensioners from August’25 to January’26, retired on or after 01.11.2022 (Part – VIII):
DR for Bank Pensioners during period August’25 to January’26:
- Average Quarterly AICPIN Index : 144.16,
- No. of Points = (144.16 – 123.03) = 21.13,
- DR Rate = 0.01 % of ‘No. of Points’ = 21.13 x 1 = 21.13%
| Rate of Dearness Relief (DR) on pension payable to Bank Pensioners for the months August’25 to January’26 | 21.13% of Basic Pension |
Dearness Relief (DR) for Bank Pensioners, who retired on or after 01.11.2017 (Part – VII):
DR for Bank Pensioners during period August’25 to January’26:
- Average Quarterly AICPIN Index : 9480,
- No. of Slabs = (9480-6352)/4 = 782,
- DR Rate per slab = 0.07 % of Slab = 782 x 0.07 % = 54.74%
| Rate of Dearness Relief (DR) on pension payable to Bank Pensioners for the months August’25 to January’26 | 54.74% of Basic Pension |
Dearness Relief (DR) for Bank Pensioners, who retired on or after 01.11.2012 (Part – VI):
DR for Bank Pensioners during period August’25 to January’26:
- Average Quarterly AICPIN Index : 9480,
- No. of Slabs = (9480-4440)/4 = 1260,
- DR Rate per slab = 0.1 % of Slab = 1260 x 0.1 % = 126.0%
| Rate of Dearness Relief (DR) on pension payable to Bank Pensioners for the months August’25 to January’26 | 126.0% of Basic Pension |
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Dearness Relief (DR) for Bank Pensioners, who retired on or after 01.11.2007 (Part – V):
DR for Bank Pensioners during period August’25 to January’26:
- Average Quarterly AICPIN Index : 9480,
- No. of Slabs = (9480-2836)/4 = 1661,
- DR Rate per slab = 0.15 % of Slab = 1661 x 0.15 % = 249.15%
| Rate of Dearness Relief (DR) on pension payable to Bank Pensioners for the months August’25 to January’26 | 249.15% of Basic Pension |
Dearness Relief (DR) for Bank Pensioners, who retired on or after 01.11.2002 (Part – IV):
DR for Bank Pensioners during period August’25 to January’26:
- Average Quarterly AICPIN Index : 9480,
- No. of Slabs = (9480-2288)/4 = 1798,
- DR Rate per slab = 0.18 % of Slab = 1798 x 0.18 % = 323.64%
| Rate of Dearness Relief (DR) on pension payable to Bank Pensioners for the months August’25 to January’26 | 323.64% of Basic Pension |
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Dearness Relief (DR) for Bank Pensioners, who retired on or after 01.04.1998 (Part – III):
DR for Bank Pensioners during period August’25 to January’26:
- Average Quarterly AICPIN Index : 9480,
- No. of Slabs = (9480-1685)/4 = 1949
- DR Rate per slab = 0.24 % of Slab = 1949 x 0.24 % = 467.76%
| Rate of Dearness Relief (DR) on pension payable to Bank Pensioners for the months August’25 to January’26 | 467.76% of Basic Pension |
Dearness Relief (DR) for Bank Pensioners, who retired on or after 01.11.1992 / 01.07.1993 (Part – II):
DR for Bank Pensioners during period August’25 to January’26:
- Average Quarterly AICPIN Index : 9480,
- No. of Slabs = (9480-1148) / 4 = 2083,
- DR Rate per slab = 0.35 % of Slab = 2083 x 0.35 % = 729.05%
| Rate of Dearness Relief (DR) on pension payable to Bank Pensioners for the months August’25 to January’26 | 729.05% of Basic Pension |
Dearness Relief (DR) for Bank Pensioners, who retired on or after 01.01.1986 and up to 31.10.1992 / 30.06.1993 (Part-I):
DR for Bank Pensioners during period August’25 to January’26:
- Average Quarterly AICPIN Index : 9480,
- No. of Slabs = (9480-600)/4 = 2220,
- DR Rate per slab = 0.67 % of Slab = 2220 x 0.67 % = 1487.40%
| Rate of Dearness Relief (DR) on pension payable to Bank Pensioners for the months August’25 to January’26 | 1487.40% of Basic Pension |
Dearness Relief payable to bank Pensioners for the period August’25 to January’26 (where DR Neuralization is not implemented):
Dearness Relief payable to bank Pensioners for the period August’25 to January’26 (where DR Neuralization is not implemented)Download
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Dearness Relief (DR) for Bank Pensioner, who has survived pre-01.01.1986 retirees of banks and surviving spouses of pre-01.01.1986 retirees:
- Surviving pre-01.01.1986 retirees of banks
- Surviving spouses of pre-01.01.1986 retirees who are in receipt of Ex-gratia.
| Pensioners | Amount of Ex-gratia per month (A) | Rate of Dearness Relief | Amount of Dearness Relief per month (B) | Total Ex-gratia amount including Dearness Relief per month (A+B) |
| pre-01.01.1986 retirees | ₹ 350 | 1487.40% | ₹ 5205.90 | ₹ 5555.90 |
| Surviving spouses of pre-01.01.1986 retirees | ₹ 175 | 1487.40% | ₹ 2602.95 | ₹ 2777.95 |
Dearness Relief payable to Bank Pensioners for the period August 2025 to January 2026 to surviving pre 1.1.1986 retireesDownload
DR hike history of bank pensioners:
| Period of DR hike | Bankers Retired after 01.11.2022 | Bankers Retired after 01.11.2017 | Bankers Retired after 01.11.12 | Bankers Retired after 01.11.07 | Bankers Retired after 01.11.02 |
| Feb’26 to July’26 | |||||
| Aug’25 to Jan’26 | 21.13 (-0.07%) | 54.74 (+0%) | 126.00 (+0%) | 249.15 (+0%) | 323.64 (+0%) |
| Feb’25 to July’25 | 21.20 (+4.00%) | 54.74 (+4.62%) | 126.00 (+6.60%) | 249.15 (+9.90%) | 323.64 (+11.88%) |
| Aug’24 to Jan’25 | 17.20 (+1.47%) | 50.12 (+1.61%) | 119.40 (+2.30%) | 239.25 (+3.45%) | 311.76 (+4.14%) |
| Feb’24 to July’24 | 15.73 (-0.04%) | 48.51 (+4.27%) | 117.1 (+6.10%) | 235.8 (+9.15%) | 307.62 (+10.98%) |
| Aug’23 to Jan’24 | 44.24 (+3.08%) | 111.0 (+4.40%) | 226.65 (+6.60%) | 296.64 (+7.92%) | |
| Feb’23 to July’23 | 41.16 (+4.34%) | 106.6 (+6.20%) | 220.05 (+9.3%) | 288.72 (+11.16%) | |
| Aug’22 to Jan’23 | 36.82 (+3.85%) | 100.4 (+5.50%) | 210.75 (+8.25%) | 277.56 (+9.9%) | |
| Feb’22 to Jul’22 | 32.97 (+5.18%) | 94.90 (+7.40%) | 202.50 (+11.10%) | 267.66 (+13.32%) | |
| Aug’21 to Jan’22 | 27.79 (+1.61%) | 87.50 (+2.30%) | 191.40 (+3.45%) | 254.34 (+4.14%) | |
| Feb’21 to Jul’21 | 26.18 (+5.39%) | 85.20 (+7.70%) | 187.95 (+11.55%) | 250.20 (+13.86%) | |
| Aug’20 to Jan’21 | 20.79 | 77.5 | 176.4 | 236.34 |
How to calculate DR of bank pensioners? What is the formula of DR calculation of bank pensioners? Example:
Slab and rate calculation for DR of bank pensioners from August’25 to January’265:
- April 2025 AICPIN – 143.5
- May 2025 AICPIN – 144
- June 2025 AICPIN – 145
For those pensioners, who retired after 01.11.2022, DA rate was fixed at 0.01 % per DA slab. So, the calculation of Bank DR is:
- Average of the quarter (April, May, June) = 144.16
- Number of DA slabs = (144.16 – 123.03) = 21.13 slabs
- DA, DR rate effective from 01.08.2025 = 21.13 % (0.01 % of 21.13), formula applicable for those pensioners, who retired on or after 01.11.2022.
Disclaimer: Kindly refer dpe.gov.in for any inconsistencies in rules, understandings and clarification.
Suppose an employee retired under 9th Bi-partite settlement and suddenly expired under 11th Bipartite Settlement and his family’s pension started from that period ;under 11th Bipartite settlement.
Her DA should have been calculated under 9th Bipartite settlement.in order to ascertain her new basic by merging 100% DA on 8088 points Had her husband still alive, he would get the facility of merger of DA under 9th Bipartite settlement even when the family’s basic pension has been fixed up on the basis of her husband’s basic pension of 9th bipartite Settlement
In case of revision of pension of bank retirees ,retired prior to First Nov,2022, by merging 100 % D A with the basic on 8088 points price index, please forget the previous slab system and apply the new process of calculation Example:- Suppose a retirees pension at the date of retirement was Rs. 12885 and commutation value was Rs, 4295/=under 9th Bipartite Settlement . Now calculate DA on 8088 points = (8088/4=2022 slabs.) Since the ex-employee retired under 9th BPS. His DA per slab will be 0.15 percent ; 2022 multiplied 0.15=303.30%. DA on basic will be merged . 12885*303.30%=39080.20 rupees will be merged with Rs. 12885 and ultimately it stands at the fogure( Rs.12885+Rs 39080.20)=Rs.Rs.51965 .20 . Now add ex-gratia Rs 2000/= the figure stands Rs (51965.20+2000) = Rs. 53965.20. This amount will be his Gross Pension . Now deduct commuted amount of Rs. 4295/= , it stands Rs ( 53965.20-4295) =Rs.49, 670.20 will be net pension. Those whohave retired under 10 th Bipartite , the above slab will be multiplied by 0.10 persent per slab
Very nice and lucid presention. Regards. 6.9.21
Nice & detailed calculations understandable easily.
What about family pensioner’s DA
DA updated now for all types of retirees and pensioners