Last Date to Apply in UPS: Central government employees currently under NPS and want to opt for UPS must apply by June 30, 2025. The central government has launched the Unified Pension Scheme (UPS) for its employees on April 1, 2025. This scheme provides a fixed pension
Last Date to Apply in UPS: Central government employees currently under NPS and wish to opt for UPS must apply by June 30, 2025. The central government launched the Unified Pension Scheme (UPS) for its employees on April 1, 2025. This scheme provides a fixed pension. The UPS pension scheme is different from the National Pension System (NPS). Employees eligible under UPS will receive 50% of their average basic salary of the last 12 months as pension at the time of retirement, provided they have completed at least 25 years of service.
Last date to apply for UPS – June 30, 2025
If central government employees do not apply by June 30, 2025, they will be placed under NPS by default, which is based on the investment of pension amount.
Eligibility for UPS
Central government employees currently covered under NPS.
Who have completed at least 25 years of service.
Employees who wish to opt for UPS will have to fill the prescribed form and submit it to the concerned department.
What if the last date is missed?
If an employee does not apply for UPS by June 30, 2025, he will continue to remain under NPS. Once he opts for UPS, he will not be allowed to return to NPS.
NPS vs UPS
NPS: The pension amount is based on investment and the amount of pension received is not fixed in advance.
UPS: The pension amount is already fixed. It is 50% of the average basic salary of the last 12 months.
Employees are advised to compare the benefits of UPS and NPS and make the right decision for themselves. For this, the Pension Fund Regulatory and Development Authority (PFRDA) has also launched a UPS calculator, which helps employees to calculate the pension benefits fixed under both the schemes. If you want to avail UPS, do not forget to apply before June 30, 2025.
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