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Now NPS Employees Can Opt For Unified Pension Scheme 2025

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Alankar Mishra

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Updated: 14-08-2025 at 3:30 PM

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In a bid to improve the benefits retirees receive after serving in the government, the central government has put into effect the Unified Pension Scheme 2025 (UPS), which now replaces the National Pension System (NPS), for it is meant specifically for government employees. The key objective of this scheme is to offer a sustained pension income, mitigate post-retirement financial risks, and enhance self-management of resources.

The Pension Fund Regulatory and Development Authority (PFRDA) has constructed a simple move process that enables more than 23 lakh government employees to shift from NPS to UPS easily and without complications.

Read More: A Complete Guide On Unified Pension Scheme (UPS)

Overview

The table below summarises some important points about the Unified pension scheme that one should know.

Name of the pension schemeUnified Pension Scheme
UnderPension Fund Regulatory and Development Authority (PFRDA)
Launched inUnified Pension Scheme india April 2025​
ObjectiveTo fill the gaps between the Old and National pension schemes and make the pension system efficient and smoother.

What Is Unified Pension Scheme?

The objective of UPS’s introduction is simply to fill the gaps between the Old and National pension schemes and make the pension system efficient and smoother. UPS will include provisions for family pension and a minimum amount of fixed pension for all govt employees.

What Are Some Unified Pension Scheme Benefits​?

One of the most important Unified Pension Scheme details​ is its benefits. Some of its key Unified Pension Scheme benefits​ are as follows:

  • Employees under UPS are allowed to get 50% of their average basic pay after 25 years of service, with a minimum Unified pension withdrawal of Rs. 10,000.
  • UPS provides several tax benefits to its employees as well.
  • One of the Unified Pension Scheme benefits is that individuals can use the Unified Pension Scheme calculator​ to calculate the pension amount.

Who is Eligible to Join The Unified Pension 2025?

The Unified Pension Scheme 2025 (UPS) is primarily aimed at Central Government employees, providing a more predictable and secure post-retirement benefit structure. Here's a clear breakdown of who can opt in:

  • Current Central Government Employees enrolled in NPS as of April 1, 2025

  • Recruits joining central government services on or after April 1, 2025

  • Retired employees who were covered under NPS and retired before March 31, 2025

Note: State government employees are not currently eligible. Each state will independently decide on implementing UPS for its staff.

How To Switch From NPS To UPS?

Moving from NPS to the Unified Pension Scheme India, April 2025,​ is now a streamlined process that can be done both online and offline. Whether you are tech-savvy and prefer clicking buttons or like dealing with people face-to-face, here’s how you can make the switch:

Online Application:

Step 1: Visit the official NPS CRA website: https://npscra.nsdl.co.in

Step 2: Navigate to the UPS Migration section.

Step 3: Log in with your credentials.

Step 4: Choose UPS as your new pension scheme.

Step 5: Fill out the application form and submit the required documents.

Step 6: Submit and keep acknowledgement for future reference.

Offline Application:

Step 1: Collect the UPS Migration Form from your department or designated government office.

Step 2: Fill in all required details.

Step 3: Attach necessary documents.

Step 4: Submit the form to the concerned HR or pension office.

What Happens After Migration?

Shifting from the NPS (National Pension System) to the Unified Pension Scheme (UPS) is a significant change in the way your retirement benefits are structured. Here is what you should expect after the migration:

  • Your corpus, which you accumulated under NPS, will be shifted to an account managed under UPS.

  • Pension benefits will be adjusted based on the length of service and contributions made.

  • In the UPS model, monthly disbursements will be paid after retirement.

Conclusion

The implementation of the Unified Pension Scheme 2025 is an improvement that enhances predictability and stability in the retirement planning of all government employees. It considerably augments social security for millions of central government employees with assured pensions and other improved family benefits. If you qualify, remember to go over the conditions thoroughly so that you do not miss the deadline.

Join the conversation and stay informed! Visit the Jaagruk Bharat community page and be part of an active, engaged community as we work day and night to bring information to your fingertips.

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Disclaimer: Jaagruk Bharat is a private organization offering support for documentation and government scheme access. We are not affiliated with any government body. Official services are available on respective government portals. Our goal is to make processes easier and more accessible for citizens.

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