Retirement benefits or pension schemes for NABARD Grade B officers are designed to provide financial security and stability after their retirement. These benefits include a pension, gratuity, and other post-retirement benefits.

Pension:
- NABARD Grade B officers are eligible for a pension, which is a fixed monthly payment received after retirement.
- The pension amount is calculated based on the average emoluments earned during the last 10 months of service.
- The maximum pension amount is limited to 50% of the officer's average emoluments.
- The pension is subject to periodic revisions based on government regulations.

Gratuity:
- NABARD Grade B officers are also entitled to receive gratuity, which is a lump sum payment made by the employer as a token of appreciation for the officer's service.
- The gratuity amount is calculated based on the officer's last drawn salary and the number of years of service.
- As per the Payment of Gratuity Act, 1972, the maximum gratuity payable is capped at Rs. 20 lakhs.

Provident Fund:
- NABARD Grade B officers are required to contribute a portion of their salary towards the Employee Provident Fund (EPF).
- The EPF is a retirement savings scheme where both the employee and employer make contributions.
- The employee's contribution is deducted from their salary, and the employer contributes an equal amount.
- The EPF provides a lump sum amount at the time of retirement, which can be withdrawn or transferred to another account.

Other Post-Retirement Benefits:
- NABARD Grade B officers may also be eligible for other post-retirement benefits such as medical insurance, housing loan facilities, and travel allowances.
- These benefits vary based on the officer's length of service and the organization's policies.

Overall, NABARD Grade B officers are provided with a comprehensive retirement benefits package that includes a pension, gratuity, and other post-retirement benefits. These benefits aim to ensure a financially secure and comfortable retirement for the officers.