Rules change from 1 October: Some changes are made in the rules on the first date of every month. In this sequence, some rules are going to change in the first date of October. Today, we are going to give this information about this through this news.

People associated with non-government sector benefit more

First of all, the Pension Fund Regulatory and Development Authority (PFRDA) has announced a major improvement in the National Pension System (NPS), which will be applicable from October 1, 2025. This new rule, made in the name of multiple scheme framework, will be more beneficial for subscribers associated with non-government sector.

Actually, PFRDA released a draft on 16 September 2025, which mentioned the changes related to NPS. Its purpose is to make NPS especially more flexible and convenient for people associated with non-government sector. These include corporate professionals and gig workers.

Change in charge of pension schemes

PFRDA has changed the fees charged by Central RecordCipping Agencies for pension schemes like National Pension System (NPS), Atal Pension Yojana (APY), Unified Pension Scheme (UPS) and NPS Light. Under this, on opening PRAN (Permanent Retirement Account Number), government employees will now have to pay Rs 18 for E-PRAN kit and Rs 40 for offline PRAN card. No fee will be charged from the zero amount account nor any additional fees will be charged on the transaction.

Investment in multiple scheme from a pan

Another rule has been changed to make NPS more simplified. Where the first NPS was allowed to invest in only one scheme from a PAN number. At the same time, now under the Multiple Scheme Framework (MSF), you will be able to invest money in many different schemes.

With this, NPS subscribers will be able to earn more profits in their pension funds by investing in different schemes according to their need and their needs. If your capacity to take risks is high, then you can invest in high risk schemes. In this, you will be given an option to invest in equity up to 100 percent. If you want to take low risk, then you will be able to invest in medium risk scheme. In every scheme you will be given two options so that you can choose them according to your choice and ability.

Entry-exit limit

The regulator has also proposed extensive amendments in the exit rules under NPS. These include redefining the word “exhaust” to include landscapes such as NPS Vatsalya and citizenship renunciation, increase age limit for entry and exit, and end the need for prior notice to postpone annuity or lump sum.

The definition of Exit will also be changed under the change in rules. Provisions of separate exit will be fixed for NPS Vatsalya and Non-Government Pension Scheme. The age limit for entry and exit will be increased, the limit of Lumpmas withdrawal will be increased and automatic continuination will also be available.

Online gaming rules will be effective from October 1

Union Information and Technology Minister Ashwini Vaishnav said on Thursday that new rules related to online gaming will be applicable from October 1. He said, “We have been associated with this industry for almost three years. After the law was enacted, we have started dialogue with all the stakeholders including gaming companies, banks and other related institutions.

He informed that a final round will be discussed with all the stakeholders associated with the industry before the law is implemented. He said, “If the industry feels that they need more time, then we are ready to consider it. Our government practically believes in a high counseling process for every work.” Let us know that the online gaming act was approved by President Draupadi Murmu on 22 August 2025.

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Switch from ups to nps: The government has introduced one-time, one-way switch facility for those employees of the central government, who want to return to the National Pension System (NPS) from Unified Pension Scheme (UPS). The Finance Ministry has said in a statement that people who have retired under eligible employees and NPS can join NPS from UPS by 30 September 2025. This facility will be available once and after that it will not be possible to return back to UPS again.

Ministry has laid some conditions

The ministry also said that employees who choose to remain in NPS cannot choose the option of UPS after September 30, 2025. The Ministry has laid down some conditions to switch to NPS from UPS. These are the conditions- eligible employees can switch to NPS only once and do not switch back to UPS. The employee will have to choose this option at least one year before retirement or at least three months before voluntary retirement (VRS). Apart from this, employees against whom disciplinary action is going on will not be able to avail this facility.

What is Unified Pension Scheme (UPS)?

The Unified Pension Scheme (UPS) is an option for central government employees under the National Pension System (NPS) so that they can get a sure payment after retirement. The UPS has come into force from 1 April 2025.

Who are eligible for UPS?

Central government employees under NPS are eligible to apply for UPS before the time limit. The deadline for choosing UPS is September 30, 2025 for eligible employees and former retired people under NPS.

When can you switch to NPS from UPS?

Employees who initially opted for UPS are now being given an opportunity to switch back to NPS, but only when they fulfill certain conditions.

What is the minimum sure payment under UPS?

The monthly minimum pension under this scheme is Rs 10,000. Under the scheme, the employee will be given pension based on the duration of his service. If an employee completes the service of 3 years or more, then he will get 50 percent of the average basic salary of the last 12 months as a pension. At the same time, the pension amount for those serving for 10 to 25 years will be fixed in the ratio of years of service.

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While doing the job, everyone has a plan to retire. In this way, he will run his life after retirement. If you are also employed and are doing retirement planning. So you must have heard about options like NPS and UPS. In the year 2004, the National Pension System i.e. NPS started in the country.

So this year, the Unified Pension System i.e. UPS has been started by the government. Many people think that it is difficult to change after selecting an option. But it is not like that you also get a chance to change it. Let us tell you how many times you can get the facility that changes NPS from UPS.

How many times can you change NPS from UPS?

Employees are being provided with the government to make changes in the National Pension System i.e. NPS from Unified Pension System i.e. UPS. But this discount will not be received again and again. The government has made it clear that the opportunity to use this decision will be given only once. This means that you have to take a decision keeping in mind the needs of the future and in mind the needs of the future.

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Once switching from UPS to NPS, you will not be allowed to return to the old system. So if you want to change. So check the benefits and losses and only then take the decision. Because after retirement, your pension will be fixed. So first understand thinking and then switch.

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Will get a chance till this date

According to the data given by the government, till July 20, about 31555 central employees in the country have selected the UPS option. Under UPS, there are many benefits with guaranteed pension. But still these employees have a chance to go back to NPS. This window is open to these employees by 30 September 2025.

These employees can go back to NPS instead of UPS. After this, they will not get this opportunity. Apart from this, let us tell you if a normal employee did not choose the option of NPS till 1 year before his retirement or 3 months before volunteer retirement. Then he will get pension through UPS only by default.

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