Plz read my last page's post, there is a fundamental reason for that, by the time one civilian civil officer retires at the age of 60, by that time, scores of armed forces officers and ORs retire as their service is up.
Armed forces retiring system is based on service, not age.
Lets suppose there are two friends at age 20, one gets into civil service, another one goes to armed forces, the civilian one no matter what grade achieved will retire at reaching age 60, while his friend in the armed forces after achieving the rank of a major will retire at age 45-46, thus one will start getting pension at age 45-36, while the other would be still 14-15 years away from getting his first pension, so if you see this phenomenon, armed forces retire more officers/ORs compared to civilian setup, even in police the retiring age is 60 years, so this is the basic reason for armed forces having more pensioners.
So this is not the fault of the armed forces, its the fault of the retirement system, which has many ways to get corrected.