Basic retirement of a civil servant: what difference between full and maximum rates?
Verified 26 November 2025 - Public Service / Directorate of Legal and Administrative Information (Prime Minister)
Additional cases ?
Suspension of pension reform
During his policy speech to the National Assembly, the Prime Minister announced a suspension of the pension reform.
Since 1er In January 2024, the minimum retirement age and the insurance period required to qualify for a full pension are gradually being raised to 64 years and 172 quarters respectively.
The proposed suspension is to change the timetable for gradually raising these two parameters.
If this proposal is voted by the National Assembly and published in the Official Journal, this page will be updated accordingly.
Full-rate and maximum-rate pensions: you've heard about them, but don't know exactly what they are? We explain the difference.
As official, when you retire, you will receive a basic retirement from SRE: titleContent, if you are a public official, or CNRACL: titleContent, if you are a territorial or hospital official, and supplementary pension of the Additional Public Service Retirement (PSR).
We're talking about full rate and maximum rate for basic retirement.
The RAFP supplementary pension is a point pension, i.e. your pension contributions are converted into pension points.
And when you retire, your retirement points, accumulated during your career, are converted into a retirement pension.
For the RAFP, we are not talking about full-rate retirement or maximum-rate retirement.
But your RAFP supplementary pension is increased according to the number of years between the statutory minimum retirement age and the effective retirement age.
If you are a contractor, you receive a basic retirement Social Security Retirement Insurance, as a private sector employee, and a supplementary pension of theSupplementary pension institution for non-permanent civil servants (Ircantec).
The conditions for granting a basic pension from the full rate Social Security Pension Insurance are the same as for a private sector employee.
Ircantec is also a point retirement.
If you retire before the age of 67 without a full basic pension from the Pension Insurance, the amount of your Ircantec supplementary pension is reduced.
A basic full-rate pension is a pension granted without haircut.
Your basic pension is granted by the SRE or CNRACL at full rate (without discount), in particular in the following 2 cases :
- You're retiring with one determined number of quarters of pension insurance all plans combined
- Or you retire at an age called age of cancelation of discount, regardless of the number of quarters you have in your pension insurance.
If you retire before the age of cancelation of the discount without having the number of quarters required to qualify for a full rate pension, the amount of your pension is reduced according to the number of quarters you are missing. This reduction is called the discount.
The number of quarters of pension insurance required to qualify for a full rate pension and the age at which the discount is canceled vary depending on whether you are a public servant or a active category or sedentary and according to your year of birth.
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You are a sedentary public servant
You were born: | You can retire from: | Number of quarters required to have the full rate | Automatic Full Rate Age |
|---|---|---|---|
Between 1er January 1958 and December 31, 1960 | 62 years | 167 (41 years 9 months) | 67 years |
Between 1er January 1961 and August 31, 1961 | 62 years | 168 (42 years old) | 67 years |
Between 1er September 1961 and December 31, 1961 | 62 years and 3 months | 169 (42 years 3 months) | 67 years |
1962 | 62 years and 6 months | 169 (42 years 3 months) | 67 years |
1963 | 62 years and 9 months | 170 (42 years 6 months) | 67 years |
1964 | 63 years | 171 (42 years 9 months) | 67 years |
1965 | 63 years and 3 months | 172 (43 years) | 67 years |
1966 | 63 years and 6 months | 172 (43 years) | 67 years |
1967 | 63 years and 9 months | 172 (43 years) | 67 years |
From 1er January 1968 | 64 years | 172 (43 years) | 67 years |
You are an active category public servant
The conditions for a full basic pension vary depending on your active category job:
General case
You were born: | You can retire from: | Number of quarters required to have the full rate | Automatic Full Rate Age |
|---|---|---|---|
In 1963 | 57 years | 167 (41 years 9 months) | 62 years |
Between 1er January 1964 and August 31, 1966 | 57 years | 168 (42 years old) | 62 years |
Between 1er September 1966 and December 31, 1967 | 57 years and 3 months | 169 (42 years 3 months) | 62 years |
In 1968 | 57 years and 9 months | 170 (42 years 6 months) | 62 years |
In 1969 | 58 years | 171 (42 years 9 months) | 62 years |
In 1970 | 58 years and 3 months | 172 (43 years) | 62 years |
In 1971 | 58 years and 6 months | 172 (43 years) | 62 years |
In 1972 | 58 years and 9 months | 172 (43 years) | 62 years |
From 1er January 1973 | 59 years | 172 (43 years) | 62 years |
Reminder
To qualify for retirement as an active category civil servant, you must have completed at least 17 years in one or more active category jobs.
From 1er January 2024, services performed as a contractor in an active category job during the 10 years preceding your tenure are recognized as active services for the acquisition of early departure entitlement.
Identifier of the Institute of Forensic Medicine of the Police Prefecture of Paris, sewer
You were born: | You can retire from: | Number of quarters required to have the full rate | Automatic Full Rate Age |
|---|---|---|---|
Before 1er January 1969 | 52 years | 167 (41 years 9 months) | 62 years |
Between 1er January 1969 and August 31, 1971 | 52 years | 168 (42 years old) | 62 years |
Between 1er September 1971 and December 31, 1971 | 52 years and 3 months | 169 (42 years 3 months) | 62 years |
In 1972 | 52 years 6 months | 169 (42 years 3 months) | 62 years |
In 1973 | 52 years and 9 months | 170 (42 years 6 months) | 62 years |
In 1974 | 53 years | 171 (42 years 9 months) | 62 years |
In 1975 | 53 years and 3 months | 172 (43 years) | 62 years |
In 1976 | 53 years and 6 months | 172 (43 years) | 62 years |
In 1977 | 53 years and 9 months | 172 (43 years) | 62 years |
From 1er January 1978 | 54 years | 172 (43 years) | 62 years |
Reminder
To qualify for retirement as an active category civil servant, you must meet the following conditions:
- Have completed at least 12 years in one or more super-active category jobs, half of which consecutively
- Have completed 32 years of effective service.
From 1er January 2024, services performed as a contractor in an active category job during the 10 years preceding your tenure are recognized as active services for the acquisition of early departure entitlement.
Supervisory staff of the Prison Service, active staff of the National Police
You were born: | You can retire from: | Number of quarters required to have the full rate | Automatic Full Rate Age |
|---|---|---|---|
In 1968 | 52 years | 167 (41 years 9 months) | 57 years |
Between 1er January 1969 and August 31, 1971 | 52 years | 168 (42 years old) | 57 years |
Between 1er September 1971 and December 31, 1972 | 52 years and 3 months | 169 (42 years 3 months) | 57 years |
In 1973 | 52 years and 9 months | 170 (42 years 6 months) | 57 years |
In 1974 | 53 years | 171 (42 years 9 months) | 57 years |
In 1975 | 53 years and 3 months | 172 (43 years) | 57 years |
In 1976 | 53 years and 6 months | 172 (43 years) | 57 years |
In 1977 | 53 years and 9 months | 172 (43 years) | 57 years |
From 1er January 1978 | 54 years | 172 (43 years) | 57 years |
Reminder
To qualify for retirement as an active category civil servant, you must have completed at least 27 years (including possibly the duration of compulsory military service) in one or more super-active category jobs.
From 1er January 2024, services performed as a contractor in an active category job during the 10 years preceding your tenure are recognized as active services for the acquisition of early departure entitlement.
Air traffic controller
You were born: | You can retire from: | Number of quarters required to have the full rate | Automatic Full Rate Age |
|---|---|---|---|
In 1967 | 52 years | 167 (41 years 9 months) | 58 years 9 months |
In 1968 | 52 years | 167 (41 years 9 months) | 59 years |
Between 1 January 1969 and 31 August 1971 | 52 years | 168 (42 years old) | 59 years |
Between 1er September 1971 and December 31, 1972 | 52 years and 3 months | 169 (42 years 3 months) | 59 years |
In 1973 | 52 years and 9 months | 170 (42 years 6 months) | 59 years |
In 1974 | 53 years | 171 (42 years 9 months) | 59 years |
In 1975 | 53 years and 3 months | 172 (43 years) | 59 years |
In 1976 | 53 years and 6 months | 172 (43 years) | 59 years |
In 1977 | 53 years and 9 months | 172 (43 years) | 59 years |
From 1er January 1978 | 54 years | 172 (43 years) | 59 years |
Reminder
To qualify for retirement as an active category civil servant, you must have completed at least 17 years in one or more active category jobs.
From 1er January 2024, services performed as a contractor in an active category job during the 10 years preceding your tenure are recognized as active services for the acquisition of early departure entitlement.
If you retire before the age of cancelation of the discount without having the number of quarters of pension insurance required to qualify for a full rate pension, the amount of your pension is reduced according to the number of quarters you are missing. This reduction is called the haircut.
FYI
If you have the necessary number of quarters but are divided into different basic plans, your basic retirement pension from the SRE or CNRACL is calculated based on the number of quarters you have in that plan. So are your other pensions, but you don't have a discount.
You can have a basic pension at full rate and still not have a pension at the maximum possible rate.
The amount of your basic SRE or CNRACL pension depends on your last gross index salary held for at least 6 months
But it also depends on the number of quarters of your pension insurance validated by the SRE or CNRACL and taken into account for the calculation of your pension.
The quarters used to calculate your pension are called liquidatable quarters.
For example, part-time quarters are fully taken into account for the calculation of the duration of insurance but for the calculation of the pension they are taken into account for their actual duration.
5 years completed at 80% count 5 years (20 quarters) for the calculation of your insurance term but 4 years (16 liquidable quarters) for the calculation of your pension.
Your full pension is calculated as follows:
Last gross index treatment x 75% x Your number of quarters eligible for the SRE or CNRACL / The number of quarters of pension insurance required to have a full rate pension
If your number of liquidatable quarters is less than your number of insurance quarters, the amount of your pension will not be the maximum possible.
Example :
If you are a sedentary public servant, born in 1963, to have a full pension, you must either have 170 quarters (42 years 6 months) all plans combined, or wait until you are 67.
If you retire before age 67 with 170 quarters of SRE or CNRACL pension insurance, your full pension is equal to:
Last gross index treatment x 75% x 169 / 169
You have the maximum possible rate.
If you retire at age 67 with only 165 quarters, your retirement is equal to:
Last gross index treatment x 75% x 165 / 169
Your retirement is a full-rate retirement without discount but you don't get the maximum amount you can.
You can log in to your retirement account on the official public website Retirement Info.
Whatever your situation and career path, you have an account on the Info Retraite website and you can log in and access it at any time.
On your retirement account, the service My Retirement Estimate allows you to simulate the amount of your retirement at different starting ages.
Info Retirement - My retirement account
This service offers 2 ways to get a simulation of your retirement amount. You can:
- Either consult an estimate generated automatically from the information known to your pension funds (quick estimate)
- Either make a personalized estimate by changing your starting age, adding missing periods and future changes (children, new status, expatriation, progressive retirement, job-retirement accumulation, etc.).
The results indicate, for each starting age, the number of quarters and the possible monthly retirement amount.
The amounts shown are gross, but it is possible to consult the net amounts before tax.
For each proposed retirement age, you can obtain the composition of your pension amount: for example, the amount of your basic pension and the amount of your supplementary pension.
You can simulate different starting ages than those offered.
If you choose to make a personalized estimate, once the results are displayed, you can change elements of your past situation (for example, periods to be completed) or future situation (for example, the evolution of your index treatment or a change in your activity rate).
Who can help me?
Find who can answer your questions in your region
If you are a public official
State Pension Service (SRE)If you are a territorial or hospital official
National Pension Fund for Local Government Employees (CNRACL)
Breakdown and value of liquidatable annuities
Enjoyment of the pension
Entitlement to pension
Entitlement opening, liquidation and calculation of retirement pensions
Rate and amount of pension