One retirement, two real benefits
A central government employee retiring with ₹1,00,000 last drawn basic+DA and a full 33 years of qualifying service receives a real one-time retirement gratuity of ₹16,50,000, and a real monthly pension of ₹50,000 for life — both computed from the identical last-drawn salary and service length, but structured completely differently.
Why one is a lump sum and the other is recurring
Gratuity's formula (1/4 × Basic+DA per six-monthly period) produces a single number representing accumulated service credit, paid once at retirement. Pension's formula (50% of Basic+DA at full service) produces a recurring monthly rate meant to replace income for the rest of the retiree's life — the same underlying career, valued two entirely different ways.
Why both use the same two inputs
Last-drawn Basic+DA and qualifying service years are the two facts that most directly summarize a government career's length and final pay grade — both benefit formulas draw on exactly those two facts, which is why the identical retirement scenario can be run through both calculators without needing separate figures for each.
Why a retiring employee needs both numbers, not just one
The lump-sum gratuity and the recurring pension serve different financial purposes — the gratuity is available immediately for one-time needs (clearing debt, a large purchase), while the pension provides ongoing income. Planning retirement finances requires knowing both real figures, not treating one as a stand-in for the other.