Travel
LTC (Leave Travel Concession) for Central Government Employees
Fare reimbursement for you and your family to travel home or anywhere in India, once in each block of years.
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Latest for government employees
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The 8th Pay Commission completes one year (constituted 3 November 2025)
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Department of Expenditure issues the DA orders effective 1 July 2026
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Cabinet approves DA and DR at 63% from 1 July 2026
Government perks: central, State, PSU, banks, defence, railways, postal. Private-sector perks: IT, BFSI, FMCG and more.
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HRA (House Rent Allowance) Tax Exemption
Reduce your taxable income if you pay rent and HRA is part of your salary.
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Tax Benefits
Employer NPS Contribution Tax Benefit (Section 124, formerly 80CCD(2))
Your employer's NPS contribution is deductible, even under the new tax regime.
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Insurance & Medical
CGHS (Central Government Health Scheme) Medical Cover
Free consultation and cashless treatment at CGHS wellness centres and empanelled hospitals for you and your family.
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Insurance & Medical
Employer Group Health Insurance (Private Sector)
Most private employers provide group mediclaim — check your cover, add parents and know the limits.
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Tax Benefits
Leave Encashment for Central Government Employees
Convert unused earned leave into cash — up to 10 days along with LTC, and at retirement. Learn the formula, limits and tax treatment.
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Credit card & travel
Travel on PointsReal trips paid with card rewards and loyalty points, and what each point is really worth.
Travel on Points
How to Stay at a 5-Star Hotel for Free with Points (India, 2026)
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Travel on PointsHow to Fly to Bali on Points from India: 3 Routes That Cost Almost Nothing
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Travel on PointsWhat Your Points Are Worth in Rupees (November 2026)
3 min read · checked 13 November 2026
Find your salary by level
Pick your 7th CPC pay level to see every pay cell at three 8th Pay Commission scenarios. These are scenarios for planning: nothing has been announced.
- Level 1from ₹18,000
- Level 2from ₹19,900
- Level 3from ₹21,700
- Level 4from ₹25,500
- Level 5from ₹29,200
- Level 6from ₹35,400
- Level 7from ₹44,900
- Level 8from ₹47,600
- Level 9from ₹53,100
- Level 10from ₹56,100
- Level 11from ₹67,700
- Level 12from ₹78,800
- Level 13from ₹1,23,100
- Level 14from ₹1,44,200
- Level 15from ₹1,82,200
- Level 16from ₹2,05,400
- Level 17from ₹2,25,000
- Level 18from ₹2,50,000
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Pension scenarios: Level 1, Level 2, Level 3, Level 4, Level 5, Level 6, Level 7, Level 8, Level 9, Level 10, Level 11, Level 12, Level 13, Level 14, Level 15, Level 16, Level 17, Level 18. Full 7th CPC pay matrix.
Calculators
HRA Exemption Calculator
How much of your HRA (House Rent Allowance) is tax-free.
LTC Fare Entitlement Calculator
Estimate your LTC (Leave Travel Concession) reimbursement.
Gratuity Calculator
Gratuity payable after five or more years of service.
Leave Encashment Calculator
Cash value of your unused earned leave.
DA Arrears Calculator
Arrears when Dearness Allowance (DA) is raised with delay.
Old vs New Tax Regime Calculator
See which regime leaves more in your pocket.
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PerkNavigate is a free, independent guide that helps Indian government and private-sector employees discover the perks and benefits they are entitled to, understand them in plain English and claim them.
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How often is the information updated?
Each perk page shows whether a named reviewer has verified it, and key figures carry status badges. Tax and allowance pages are re-checked after every Union Budget and Dearness Allowance revision, and other perks at least every six months.
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