- Central government employees under NPS can switch to Unified Pension Scheme (UPS) by September 30, 2025.
- UPS offers a guaranteed minimum pension of Rs 10,000 per month after 10 years of service, unlike market-linked NPS returns.
- Switching can be done online via the eNPS portal or offline through form submission, with family pension benefits included.
In a major announcement for central government employees, the government has introduced the option to shift from the existing National Pension System (NPS) to the newly launched Unified Pension Scheme (UPS). The scheme, which comes into effect from April 1, 2025, promises assured pension payouts to ensure financial security after retirement.
Employees who wish to make the switch must complete the process before the deadline of September 30, 2025. Officials have advised subscribers to carefully review the eligibility criteria, benefits, and step-by-step process before opting for the change, as this move could significantly impact their post-retirement income.
Eligibility and Benefits of Switching to Unified Pension Scheme (UPS)
The Unified Pension Scheme (UPS) is made just for central government employees currently registered under the National Pension System (NPS). To be eligible, you must be a serving central government employee as of April 1, 2025, and want the assured pension benefits offered by UPS.
UPS guarantees a minimum pension of Rs 10,000 per month after completing 10 years of service, no matter how the market performs. This assured payout gives you more financial stability compared to the changing returns under NPS.
Key Differences Between UPS and NPS
While NPS returns depend on market performance and can change, UPS offers a low-risk pension with guaranteed payouts. This means you get a fixed minimum pension amount, giving you peace of mind about your retirement income. The assured pension under UPS is a big advantage for those looking for stability over market-linked returns.
Who Can Opt for UPS?
Only central government employees who are currently enrolled in NPS and serving as of April 1, 2025, can switch to UPS. If you meet these criteria and prefer a guaranteed pension, UPS is the right choice for you.
Step-by-Step Guide to Switch from NPS to UPS Online
Switching from NPS to UPS is a simple process that you can complete online before the September 30, 2025 deadline. Follow these steps carefully to make sure your migration is successful.
- Visit the official eNPS Portal. Look for the “NPS to UPS Migration” option under the Unified Pension Scheme section and select it to start your application.
- Enter your Permanent Retirement Account Number (PRAN) and date of birth correctly. Complete the captcha and click “Verify PRAN.” An OTP will be sent to your registered mobile number or email. Enter this OTP to proceed securely.
- A declaration window will appear. Tick the acceptance box to confirm your choice. Click “Proceed to e-Sign” and enter your Aadhaar number or Virtual ID (VID). You will get an OTP on your Aadhaar-linked mobile number. Enter this OTP to verify and complete the e-sign process. Remember, once submitted, this choice is final and cannot be changed.
- After successful submission, you will get a confirmation along with an Acknowledgement Number. Download and save the e-signed migration form for your records. This serves as proof of your switch to UPS.
Offline Application Process for UPS
If you prefer applying offline, download Form A2 from the NSDL UPS Portal. Fill the form and get it verified by your Head of Office. Submit it through your Drawing and Disbursing Officer (DDO) to the Pay and Accounts Office (PAO) or Central Drawing and Disbursing Officer (CDDO), which will forward it to the Central Recordkeeping Agency (CRA).
The CRA will generate your PRAN, and your first contribution must be credited within 20 days of application or joining date.
Family Pension Benefits Under UPS
UPS also provides family pension benefits. If the pension holder passes away after retirement, the legally wedded spouse will receive a family pension equal to 60% of the pension amount the holder was receiving before their death. This benefit applies to spouses legally married at the time of retirement, whether by superannuation, voluntary retirement, or retirement under FR 56(j).
| Feature | Details |
|---|---|
| Scheme Name | Unified Pension Scheme (UPS) |
| Eligibility | Central government employees enrolled in NPS as of April 1, 2025 |
| Minimum Pension | Rs 10,000 per month after 10 years of service |
| Switch Deadline | September 30, 2025 |
| Application Mode | Online via eNPS portal or Offline through NSDL UPS forms |
| Family Pension | 60% of pension amount to legally wedded spouse after pension holder’s death |
| Official Websites | https://enps.nsdl.com, https://www.npscra.nsdl.co.in |
Make sure to complete your switch before the deadline to enjoy the benefits of UPS. This scheme offers a safer and more predictable pension plan for your retirement years. For more details, visit the official eNPS portal or the NSDL UPS website.