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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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The central government employees are going to bring happiness tomorrow i.e. on the morning of April 1. Actually, Unified Pension Scheme – UPS is going to be implemented from 1 April 2025. This new scheme has been brought to meet the years -old demand of employees who were demanding to bring back the guaranteed pension before the National Pension System (NPS).

What is the difference between NPS and UPS?

The NPS does not have a guaranteed pension, but the investment made in it gets returns on the basis of stock market performance. In the long term, NPS is expected to have good returns, but there is no fixed pension. At the same time, under the UPS, government employees will be given a guaranteed pension of up to 50 percent of their last 12 months average basic salary. However, this facility will not be available to all employees, but some conditions have to be fulfilled to get it.

Under what circumstances will guaranteed pension be given?

The employee has to fulfill several conditions to get a guaranteed pension.

Retirement after completing minimum 10 years of government service.

Forcibly retirement by the government under FR 56 rules.

In the case of voluntary retirement, if the employee has completed at least 25 years of service.

If an employee takes voluntary retirement after 25 years of service, he will get pension from the age on which he receives general retirement.

50 percent pension conditions

The UPS is designed in such a way that the eligible government employees can get up to 50 % of their last 12 months average basic salary as pension. But not all employees will get this facility. According to the notification of 24 January 2025 issued by the government, if the employee has completed the qualification service of at least 25 years, then he will get the entire 50 percent basic salary as pension.

At the same time, if the service period of the employee is less than 25 years, then the pension amount will be given proportionately. A minimum pension guarantee of Rs 10,000 per month will be given to employees who have completed 10 years or more service.

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Last year, the Department of Pension and Pensioners Welfare (DOPPW) increased the maximum limit of gratuity for central government employees to Rs 25 lakh. This change came into effect from January 1, 2024, when dearness allowance (DA) reached 50 percent. However, it is not necessary that every government employee gets this full amount.

How is the calculation of gratuity?

The calculation of gratuity is done on the basis of a particular formula. According to the rule, the employee gets 16.5 times or 25 lakh rupees of his last salary (basic pay + dearness allowance), whatever is low, in the form of gratuity. This means that not every employee will get 25 lakh rupees, but gratuity will be fixed on the basis of their service period and salary.

Gratuity types

Government employees get two types of gratuity – retirement gratuity and death gratuity.

Retirement gratuity

A quarter of basic pay + dearness allowance is added for every 6 months of service.

A maximum of 16.5 times salary or 25 lakh rupees, whichever is less, will be given.

At least 5 years of service is mandatory to get gratuity.

Decath gratuity

If the employee dies during service, then his family will get gratuity according to this formula-

Service less than 1 year: 2 times the salary

1 to 5 years: 6 times the salary

5 to 11 years: 12 times the salary

11 to 20 years: 20 times the salary

More than 20 years: half salary for every 6 months

Will there be gratuity under Unified Pension Scheme (UPS)?

The central government is going to launch a new pension scheme, ‘Unified Pension Scheme (UPS)’ from April 1, 2025. The scheme combines the characteristics of Old Pension Scheme (OPS) and National Pension System (NPS). In this, a minimum pension of Rs 10,000 will be given to employees with at least 10 years and a fixed pension will be given to those who complete the entire service period.

Recently, the government was asked in Parliament whether gratuity would be received under Unified Pension Scheme (UPS), as is found in Old Pension Scheme (OPS) and New Pension Scheme (NPS). The Finance Ministry replied that there is an option under UPS, NPS, and “Gratuity will be given as per Central Civil Services (Payment of Gratuity under the National Pension System) Rules, 2021.”

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Unified pension scheme: The Central Government has issued a notification of the Integrated Pension Scheme (UPS) to give guarantee pension to the central employees. UPS rules will be implemented from April 1, 2025. After its implementation, the employees who come in government service will get the benefit of the integrated pension scheme, while this new pension scheme will also be able to choose the old employees, who will be in the service on April 1, 2025.

About 23 lakh central employees will get the benefit of Integrated Pension Scheme (UPS). The central government has also issued its rules and regulations. Under this, if an employee wants to get the benefit of pension under UPS, then they will have to fill the claim form by selecting the option of UPS on the portal. Under this scheme, employees will give a 10 % contribution for their pension. At the same time, the government’s control will be 18.5 percent of the total amount of basic pay and dearness allowance. The new pension scheme guarantees minimum pension to central employees. However, there are some conditions for this. Let us know that to get pension in UPS, central employees will have to work for at least how many years.

So much pension will be available on 25 years of service

Let me tell you, under the rules set under the Integrated Pension Scheme, the employee will have to work for 25 years. Employees who have completed 25 years of service will get a pension equal to 50 percent of the average basic salary of 12 months just before retiring. Suppose an employee’s average monthly salary of 12 months is 60 thousand rupees, then such an employee will get a pension of 30 thousand rupees after retirement.

You will have to do jobs at least so many years

The new pension scheme Integrated Pension Scheme (UPS) guarantees minimum pension to central employees. If an employee has completed at least 10 years of service, then he will be given a minimum pension of Rs 10,000 every month on retirement. In easy language, to get a minimum pension under UPS, the employee will have to work at least 10 years. Only then can he avail pension.

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Unified pension scheme: Unified Pension Scheme (UPS) is going to start from April 1, 2025 to give guarantee pension to central employees. Employees working in central government can apply for this on or after 1 April 2025. The Pension Fund Regulatory and Development Authority (PFRDA) has issued its notification under the National Pension System (NPS).

Registration for Unified Pension Scheme is going to start from April 1. For this, you can either apply online through Protean Cra portal (https://npscra.nsdl.co.in) or if you want, you can fill the form and submit it yourself. The minimum pension amount under UPS is Rs 10,000.

What is Unified Pension Scheme?

Registration for Unified Pension Scheme is going to start from April 1. For this, you can either apply online through Protean Cra portal (https://npscra.nsdl.co.in) or if you want, you can fill the form and submit the form through your department’s head office or Drawing and Discursing Officer (DDO). However, the benefit of this scheme will be available only to those government employees who have completed the service of at least 25 years. In the event of the employee’s death, there is a provision to give 60 percent of the pension amount as a pension.

Who can apply for UPS?

• The current center government employees who are in jobs till April 1, 2025 will also come under NPS.
• New employees recruited in the service of the central government will also come under NPS.
• Retired employees who were covered under NPS and have either retired by 31 March 2025, have taken voluntary retirement, or have retired under Fundamental Rule 56 (J), are eligible for UPS.
• If the employee dies before choosing the option of UPS after retiring, then the legally married wife/husband can join the scheme.

Different forms to be filled for registration of UPS

• If you are still doing a government job, then you have to fill the Form A2.
• If you are recently engaged in government jobs, then Form A1 will have to be filled for this.
• Retired government employees will have to fill Form B2.
• After the death of an employee who gets pension, his wife will have to fill Form B6.

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