i am a retired Bank official who has recently opted for the pension with commutation.It is said that since i have availed commutation the full pension will be restored only after 15 years from the date of commutation.My question is what is the calculation /rationale for restoring full pension after 15 years.The commutation is based on the age of the employee.If a peson retired at the age of 60 he will get commutation for 117.72 months only i.e.9.81 years.While restoration will be only after completion of 15 years.