Identify your qualifying service period under UPS
Find your last drawn basic pay plus applicable dearness allowance if used in the scheme
Check the pension formula specified by the UPS rules for your category
Multiply the pensionable salary by the applicable pension percentage
Add any eligible dearness relief as per current rules
Apply any service-length factor if the scheme uses one
Deduct any applicable commutation amount if you have opted for commutation
Subtract any penalties for early retirement, if applicable
Include any additional qualifying service benefits, if allowed
Verify the final amount against the official UPS pension statement or calculator