7th CPC Pay Matrix Table

Complete 7th Pay Commission Pay Matrix for Central Government employees — all 18 levels, 40 increment cells, gross salary calculator with DA 60%, HRA, TA, and net in-hand pay breakdown.

18 LevelsLevel 1 to 18
40 CellsAnnual Increments
3% IncrementEvery 1st July
DA 60%Jan 2026 Rate

7th CPC Gross Salary Calculator 2026

Select your Pay Level and Cell — get complete salary breakdown with DA, HRA, TA and net in-hand

Pay Level
— Select Level —Level 1 (GP 1800) – MTS, SafaiwalaLevel 2 (GP 1900) – MTS, PeonLevel 3 (GP 2000) – LDC, PostmanLevel 4 (GP 2400) – UDC, ClerkLevel 5 (GP 2800) – Head Clerk, StenoLevel 6 (GP 4200) – Inspector, ASOLevel 7 (GP 4600) – Asst. Section OfficerLevel 8 (GP 4800) – Sr. Section OfficerLevel 9 (GP 5400) – Under Secretary equiv.Level 10 (GP 5400) – Group A EntryLevel 11 (GP 6600) – Section Officer (Gr A)Level 12 (GP 7600) – Under SecretaryLevel 13 (GP 8700) – Deputy SecretaryLevel 13A (GP 8900) – Brigadier equiv.Level 14 (GP 10000) – DirectorLevel 15 – Joint Secretary (HAG)Level 16 – Addl. Secretary (HAG+)Level 17 – Secretary (Apex Scale)Level 18 – Cabinet Secretary
Pay Cell (Increment Stage)
— Select Level First —
Cell 1 = Entry Pay. Move +1 cell every July 1 (annual increment).
Basic Pay (₹/month) — Auto-filled from Matrix

Auto-filled when you select Level + Cell above. You may also enter manually.
DA Rate (%)

Jan 2026: 60% | Jul 2025: 58%
City / HRA Category
X Class City (27% HRA)Y Class City (18% HRA)Z Class / Other (9% HRA)Govt. Quarters (HRA Nil)
Transport Allowance (₹/month)
₹7,200/month (Level 9+ in X/Y city)₹3,600/month (Level 1–8 in X/Y city)₹1,800/month (Z class city)₹900/month (Z class, lower levels)
Pension Scheme
NPS (Joined on/after 1 Jan 2004)Old Pension / GPF
CGHS Contribution (₹/month)
Group A – ₹500/monthGroup B – ₹350/monthGroup C – ₹250/monthNot applicable
⚡ Calculate In-Hand Salary

📊 Salary Breakdown — Level —, Cell —
Basic Pay—
DA Amount—
HRA—
Gross Salary—
Basic Pay—
Dearness Allowance (DA @ 60%)—
House Rent Allowance (HRA @ 18%)—
Transport Allowance (TA)—
💰 Gross Monthly Salary
—
NPS Contribution (Employee: 10% of Basic+DA)—
CGEGIS (Group-wise)—
CGHS Contribution—
Employer NPS (14% — credited to your NPS Tier-I)—
🏠 Estimated Net Take-Home (Pre-Tax)
—

📈 Your Pay Progression (Next 5 Increments)

Complete 7th CPC Pay Matrix — All Levels

All 18 pay levels with complete annual increment progression. Each row = 1 year of service (Cell 1 = entry, Cell 40 = maximum).

📋 Levels 1 to 5 — Group C Posts

Pay Band PB-1 (5200–20200) | MTS, LDC, UDC, Clerk, Steno, Head Clerk
GP 1800
GP 1900
GP 2000
GP 2400
GP 2800

📋 Levels 6 to 9 — Group B Posts

Pay Band PB-2 (9300–34800) | Inspector, Section Officer, ASO, Under Secretary equiv.
GP 4200
GP 4600
GP 4800
GP 5400

📋 Levels 10 to 12 — Group A Posts

Pay Band PB-3 (15600–39100) | IAS/IPS/IRS/IFS Entry, Asst. Comm., Section Officer, Under Secretary
GP 5400
GP 6600
GP 7600

📋 Levels 13, 13A & 14 — Senior Group A

Pay Band PB-4 (37400–67000) | Deputy Secretary, Director, Brigadier/Major General equiv.
GP 8700
GP 8900
GP 10000

📋 Levels 15 to 18 — HAG / Apex Scale

HAG (67000–79000) | Joint Secretary, Addl. Secretary, Secretary, Cabinet Secretary
HAG
HAG+
Apex
Cabinet Sec

📊 Pay Level → Post & Grade Pay Reference (All 18 Levels)

🧮 How the 7th CPC Pay Matrix Works

1

Entry at Cell 1: When you join government service (or are promoted to a level), you are placed at Cell 1 of your designated Pay Level. This is the minimum basic pay for that level — e.g., Level 6 entry = ₹35,400/month.

2

Annual Increment (3%): On every 1st July, you move one cell higher within the same level (Cell 1 → Cell 2 → … → Cell 40). The increment is 3% of your current basic pay, rounded to the next multiple of ₹100. If you joined before 1 January, you get the July increment; if after, you get it next July.

3

Promotion (Vertical Move): On promotion to a higher level, you get a notional increment in your current level first (move one cell up), then cross over to the new level at a cell equal to or just above your notional pay. This ensures at least one increment benefit on promotion.

4

MACP Upgradation: If you complete 10, 20, or 30 years of service without a regular promotion, you are granted Modified Assured Career Progression (MACP) — a financial upgrade to the next higher pay level in the hierarchy. This is a pay-only benefit, not a promotion.

5

Stagnation: On reaching Cell 40 (maximum of the level), you receive up to 2 stagnation increments beyond the maximum. After that, no more increments until promotion or MACP.

6

Gross Salary = Basic + DA + HRA + TA: Basic Pay from the matrix + Dearness Allowance (60% from Jan 2026) + HRA (27%/18%/9%) + Transport Allowance (₹3,600–₹7,200). Use the Gross Salary Calculator above for your exact in-hand figure.

💸 Key Allowances at a Glance (7th CPC, 2026)

DA

Dearness Allowance

60% of Basic Pay (Jan 2026). Revised every Jan & Jul. Applied only on Basic Pay. Fully taxable.

HRA

House Rent Allowance

X City: 27% | Y City: 18% | Z City: 9% of Basic Pay. Nil if in govt. quarters. Partially tax-exempt u/s 10(13A).

TA

Transport Allowance

Level 9+ (X/Y): ₹7,200/month | Others (X/Y): ₹3,600/month | Z class: ₹1,800/month. Not DA-linked under 7th CPC. Exempt up to ₹1,600/month.

NPS

NPS Contribution

Employee: 10% of Basic+DA | Employer (Govt): 14% credited to NPS Tier-I. For pre-2004 joiners: GPF at min 6%.

CGHS

CGHS Medical Contribution

Group A: ₹500/month | Group B: ₹350/month | Group C: ₹250/month. Covers self + family for outpatient & inpatient treatment.

CGEGIS

Group Insurance (CGEGIS)

Group A: ₹120/month | Group B: ₹60/month | Group C: ₹30/month. Provides life insurance cover to Govt. employees.

⚡ 8th Pay Commission — What Changes?

The 8th Central Pay Commission (8th CPC) is expected to be effective from 1 January 2026. A new Pay Matrix with a fitment factor of ~1.92x will replace the current 7th CPC matrix. The current Level 1 entry pay of ₹18,000 is expected to become approximately ₹34,560. Level 10 entry of ₹56,100 → approximately ₹1,07,712. DA will reset to 0% from the new basic pay.

Note: 8th CPC figures are projections based on expected fitment factor of 1.92x. Official pay matrix will be released after Cabinet approval. DA at 60% will be merged into new basic pay at implementation.

🔗 Related Pay Matrix Tools & Guides

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Pay Matrix Calculator

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7th CPC Pay Fixation Calculator

Check promotion, MACP and initial fixation in the matrix.

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6th to 7th CPC Conversion

Convert old Grade Pay and Pay Band into the correct 7th CPC Level.

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Grade Pay Conversion Table

See how 6th CPC Grade Pay maps to 7th CPC Levels.

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7th CPC Salary Calculator

Estimate DA, HRA, TA and gross salary from basic pay.

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MACP Calculator

Estimate Level movement after financial upgradation.

📘 How to Read the 7th CPC Pay Matrix Correctly

The Pay Matrix is easiest to understand as a combination of two directions. The vertical direction represents Levels, which broadly reflect the hierarchy of posts and responsibilities. The horizontal or cell progression within a Level represents growth in basic pay over time. An employee therefore needs to know both the correct Level and the current cell. Looking only at a rupee amount is not enough because the same or similar pay can sometimes appear in more than one Level.

When an employee joins a post, receives a promotion, gets MACP or is converted from an older Pay Commission structure, the correct Level is identified first. After that, the applicable cell is selected according to the fixation rule. This distinction is crucial for promotion and historical conversion because the Level comes from the post or old Grade Pay mapping, while the cell comes from the employee’s pay stage. The Grade Pay Conversion Table is especially useful when checking older 6th CPC records.

Annual progression normally means moving to the next cell within the same Level. Promotion or MACP can move the employee to a higher Level. This is why the matrix is more than a salary table: it is also a map of career progression. If you want to test a movement from one Level to another, the 7th CPC Pay Fixation Calculator is better suited than a simple salary calculator.

For salary calculation, the matrix provides only the basic pay. DA, HRA, Transport Allowance and deductions are added or subtracted later. The page’s salary calculator performs that second step. Keeping the matrix basic separate from allowances makes it easier to verify whether the Level and cell are correct before estimating gross or take-home salary.

📈 Annual Increment and Cell Progression

The annual increment path is already built into the matrix. Instead of calculating a fresh percentage from scratch every year, an employee normally advances from the current cell to the next prescribed cell in the same Level. The matrix values already reflect the increment pattern and rounding convention, so the next official cell is more important than a raw multiplication result.

This matters because a simple 3% multiplication may not exactly match the next matrix cell after rounding. For example, a calculated amount can fall between two prescribed values. The matrix remains the reference point for the basic pay actually used. This is why the calculator on this page shows cell-by-cell progression rather than only a percentage growth estimate.

Long-term projections should still be treated as illustrative. Promotion, MACP, changes in rules or a future Pay Commission can interrupt the normal cell path. The current matrix is therefore best used to understand progression under the existing 7th CPC structure, not as a guarantee that an employee will remain in the same Level for decades.

If you need to project only basic pay, use the Pay Matrix Calculator. If you need to understand how an increment changes salary with DA and HRA, use the salary calculator after selecting the new cell.

🏅 Promotion and MACP Movement in the Matrix

Promotion and MACP both involve movement in the Pay Matrix, but they are not identical career events. A promotion changes the employee’s post and normally carries movement to a higher Level. MACP is a financial upgradation intended to provide career progression when regular promotion has not occurred within the applicable service period. In both cases, the current basic and target Level are important for fixation.

The usual fixation logic involves granting the prescribed increment benefit in the existing Level where applicable and then locating the equal or next higher cell in the target Level. The employee is not simply placed at the entry cell of the new Level unless that cell is the correct fixation point. This protects accumulated pay progression and prevents an arbitrary reset.

A prior MACP can affect a later promotion because the employee may already have received financial progression to a higher Level. In such cases, double benefit may not apply in the same way as a first movement. Service history therefore matters. The matrix itself shows the cells, but the correct fixation rule must be applied using the employee’s actual promotion and MACP record.

For a dedicated calculation, use the MACP Calculator or the Pay Fixation Calculator. The matrix table on this page is most useful for checking the resulting Level and cell after the fixation logic has been applied.

💰 From Basic Pay to Gross and Take-Home Salary

Basic pay is only the first layer of a Central Government salary. Dearness Allowance is calculated as a percentage of basic pay, HRA depends on city category and current rules, and Transport Allowance depends on the applicable category. Retirement contributions, CGHS and other deductions then reduce the amount that reaches the employee’s bank account.

This means two employees with the same basic pay can still have different take-home salaries. City classification can change HRA, Transport Allowance can differ, and the pension scheme or other deductions can vary. For this reason, the matrix should not be read as a complete salary table. It is a basic-pay framework from which the rest of the salary is calculated.

When using the calculator, select the correct Level and cell first. Then review the basic pay before entering DA, HRA category and other settings. If the basic pay is wrong, every downstream salary figure will also be wrong. The HRA Calculator and DA Calculation Guide can help verify individual allowance components.

Take-home figures should be treated as estimates because income tax, personal deductions, recovery items and department-specific deductions can vary. The most reliable use of the page is to calculate basic, DA, HRA and major standard deductions consistently from the selected matrix cell.

⚠️ Common Pay Matrix Mistakes to Avoid

The most common mistake is selecting a Level based only on the closest salary amount. A Level represents hierarchy and old Grade Pay mapping, so the employee should first identify the correct Level from the post or service record. Only then should the current cell be found. Choosing the wrong Level can produce a plausible-looking salary while still being structurally incorrect.

Another mistake is assuming every Level has the same number of usable cells or that progression is unlimited. Some higher Levels and fixed scales do not behave exactly like the lower matrix Levels. Level 17 and Level 18, for example, are effectively fixed-pay positions rather than ordinary long cell ladders. Users should therefore read the table structure carefully instead of applying lower-Level assumptions everywhere.

A third mistake is mixing basic pay with gross salary. The value shown in a matrix cell is basic pay only. DA, HRA and TA are additional components. When comparing a matrix figure with a payslip, first compare basic to basic, then compare allowances separately. This avoids the common error of thinking the matrix underestimates salary because the payslip includes several extra components.

Finally, users sometimes treat old Grade Pay as an ongoing 7th CPC salary component. Grade Pay is now mainly a historical mapping reference. Under the 7th CPC, the Level carries the structural role that Grade Pay once played. For a simpler explanation, see Grade Pay vs Pay Level.

Frequently Asked Questions

Common questions about 7th CPC Pay Matrix, increments, promotion pay fixation and MACP

What is the minimum and maximum pay under 7th CPC?▾
The minimum basic pay under 7th CPC is ₹18,000/month (Level 1, Cell 1 — for MTS/Group C entry level). The maximum basic pay is ₹2,50,000/month (Level 18 — Cabinet Secretary). For active serving personnel at Level 17 (Secretary-rank), the apex fixed pay is ₹2,25,000/month. With DA at 60%, the minimum gross pay for Level 1 becomes approximately ₹46,000–₹48,000/month (including HRA and TA in a Y-class city). The minimum pension under 7th CPC is ₹9,000/month (50% of minimum pay of ₹18,000).
How is annual increment calculated in the 7th CPC Pay Matrix?▾
The annual increment under 7th CPC is 3% of your current basic pay, rounded to the next higher multiple of ₹100. It is granted on 1st July each year, provided you have completed at least 6 months of service in your current pay cell by 30 June. Example: If your basic pay is ₹44,900 (Level 7, Cell 1), increment = ₹44,900 × 3% = ₹1,347 → rounded up = ₹1,400 → new basic = ₹46,300 (but the matrix shows ₹46,200 as the pre-computed figure). The matrix already incorporates the rounding, so simply move to the next cell on 1 July each year.
What happens to my pay on promotion under 7th CPC?▾
On promotion to a higher Pay Level, the process is: Step 1 — Notional Increment: You first receive a notional increment in your current level (e.g., move from Cell 8 to Cell 9 of Level 6). Step 2 — Pay Fixation in New Level: You are then fixed in the new level at the cell that equals or just exceeds your notional pay. Example: Level 6, Cell 8 = ₹43,600 → Notional increment → ₹44,900 → In Level 7, Cell 1 is also ₹44,900 → Fixed at Level 7, Cell 1 (₹44,900). If Level 7, Cell 1 is higher, you get that. This ensures at least one increment benefit on promotion.
What is MACP and when is it granted?▾
MACP (Modified Assured Career Progression) is a financial upgradation granted when an employee has not received a regular promotion. Under 7th CPC, MACP is granted on completion of 10, 20, and 30 years of service (3 upgradations maximum during entire career). On MACP, the employee is placed in the next higher Pay Level in the Pay Matrix hierarchy — e.g., from Level 6 to Level 7, or Level 7 to Level 8. Pay is fixed in the new level at the cell equal to or just above their current pay. MACP does not give designation change — only a financial (pay) upgrade. Employees who receive regular promotions do not get MACP for those years.
What is the difference between Level 9 and Level 10 — both have GP 5400?▾
Both Level 9 and Level 10 correspond to the old Grade Pay of ₹5400, but they were in different Pay Bands under 6th CPC. Level 9 = GP 5400 in PB-2 (9300–34800), typically for Group B Gazetted officers (e.g., Income Tax Officer, Central Excise Officer). Level 10 = GP 5400 in PB-3 (15600–39100), for Group A entry-level officers (IAS, IPS, IFS, IRTS recruits at induction). Level 10 starts at ₹56,100 vs Level 9’s ₹53,100. They are treated as distinct levels in the 7th CPC matrix despite the same GP, because the PB-3 / Group A status carries different service rules, promotion cadre, and pension calculations.
Will the 7th CPC Pay Matrix be replaced by the 8th CPC?▾
Yes. The 8th Pay Commission (8th CPC) is being constituted to review and revise pay for the period from January 2026. A new Pay Matrix will be published after the 8th CPC submits its report. The new matrix will apply a fitment factor (expected ~1.92x) to the current 7th CPC basic pays to generate revised basic pays. All DA (accumulated to 60% by Jan 2026) will be merged into the new basic pay, and DA/DR will reset to 0%. The 7th CPC matrix remains valid and operative until the 8th CPC matrix is officially notified via gazette notification. Employees currently in the 7th CPC matrix will be seamlessly transitioned to the 8th CPC matrix using a pay fixation method similar to how 6th CPC employees were moved to 7th CPC in 2016.