Unified Pension Scheme
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Your definitive, up-to-date resource for the UPS Pension Scheme. Understand your Eligibility, explore your Benefits, and use our tools to calculate your future with confidence. The Unified Pension Scheme (UPS) is a revolutionary pension scheme introduced on August 24, 2024 by the Indian government for central government employees. Approved by the Union Cabinet under the leadership of Prime Minister Shri Narendra Modi, UPS provides enhanced security and stability compared to the previous National Pension System (NPS).
Are you a permanent Central or State employee? Want to know Eligibility & Benefits ?
Check NowGovernment Approved
Effective from April 1, 2025
Enhanced Security & Stability
Latest Updates: Rules updated as of Aug 2024.
UPS Eligibility & Implementation
Eligibility
- Existing Central Government Employees: Covered under NPS as of April 1, 2025.
- Newly Recruited Employees: Joining service on or after April 1, 2025.
- Past Retirees: Retired on or before March 31, 2025, and covered under NPS.
Important Dates
- Cut-off date to opt for UPS: September 30, 2025.
- Scheme operational from: April 1, 2025 for all eligible employees.
State Government Implementation
- State governments can adopt and implement the UPS scheme.
- Maharashtra was the first state to implement UPS for its employees.
Most Popular Pension Scheme ?
UPS explained in 12 points
1. Retirees with a minimum of 25 years of service will receive a pension equal to 50% of their average basic pay during the last 12 months of their employment.
2. For those with less than 25 years of service, the pension will be calculated proportionally based on their service period, with a minimum of 10 years required.
3. The Government is increasing its contribution from 14% to 18.5%. Employee contribution will not increase. …
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What Public Have to Say
While both options have their advantages, I encourage employees to make their decision based on their individual financial goals and risk tolerance. By selecting the NPS, they can invest in Indian equities and directly contribute to India’s economic growth, with a high probability of substantial returns over the long term.
