Central Govt Employees Can Now Shift from NPS to UPS: Here’s How to Migrate and What to Expect Tezzbuzz  |  10/05/2025 17:24:25

New Delhi: Starting April 1, 2025central government employees have the option to migrate from the market-linked National Pension System (NPS) to the newly launched Unified Pension Scheme (UPS). Unlike NPS, UPS offers a guaranteed monthly pensionremoving the uncertainties of market-based returns.

The Ministry of Finance has opened both online and offline channels to make the migration process smooth and accessible.

🔁 Key Differences Between NPS and UPS

Feature NPS UPS
Return Type Market-linked (stocks, bonds) Guaranteed fixed monthly pension
Risk Level High (depends on market) Low
Pension Amount Based on investment and market performance Minimum ₹10,000/month (after 10 years)
Government Contribution Up to 14% 10% + additional 8.5% = 18.5%
Switching Flexibility Can’t return to NPS after opting for UPS One-time migration only
Pension Calculation Varies 50% of average basic salary (last 12 months)

✅ How to Migrate from NPS to UPS

Online Method

  1. Visit the official NSDL NPS website:

  2. Click on the ‘UPS Migration’ page.

  3. Select ‘Switch to UPS’ option.

  4. Fill in the required details: Employee ID, Basic Salary, DA, NPS PRAN etc.

  5. Submit the form.

  6. Receive confirmation via email or SMS once the request is processed.

Offline Method

  1. Obtain the UPS Migration Form from your office or HR department.

  2. Fill in all the required details correctly.

  3. Attach necessary documents (ID proof, service record, salary details).

  4. Submit the form to the concerned government department or pension officer.

  5. A confirmation receipt will be provided.

📊 UPS Pension Structure & Eligibility

  • Full pension (50% of average basic salary before retirement) is applicable after 25 years of service.

  • Proportionate pension for employees with 10–25 years of service, with a minimum ₹10,000/month guarantee.

  • Pension after VRS begins only from normal retirement age.

  • Employee Contribution: 10% of Basic Salary + DA

  • Government Contribution: 10% + 8.5% additional = 18.5% total

🛑 Important Notes

  • Migration to UPS is irreversible—you cannot switch back to NPS once opted.

  • UPS aims to offer stability post-retirementespecially for employees nearing the end of service.

  • Keep a copy of the migration confirmation for future reference.

Read more
Why South Asian Families Prefer Multi-Generational Homes in Canada – Obnews
Tezzbuzz
Jemima Goldsmith Appeals to Elon Musk Over Grok’s Information on X:
Tezzbuzz
A shock to the cinema industry; 30-year-old actor who won state govt award dies, body found in house
Tezzbuzz
Aanand L Rai’s confession: I couldn’t understand Shahrukh Khan’s image, that’s why I drowned.
Tezzbuzz
From ‘Soulmate’ to ‘Greenland 2’, Hollywood’s blast at the beginning of the new year
Tezzbuzz
Salary PF: According to the new labor code, more PF deduction will decrease the salary? The government allayed fears; Worry away
Tezzbuzz
Naman In-Store India Shares See Significant Drop, Ashish Kacholia’s Investment Now Below 65:
Tezzbuzz
Money not received in Ladli Brahmin Yojana? Account is empty despite e-KYC, know the real reason
Tezzbuzz
Mexico Imposes 50% Tariff On Indian Exports: List Of Products To Be Impacted
Tezzbuzz
Electric Two-Wheeler Sales November 2025: TVS wins, leads the market due to strong demand of iQube
Tezzbuzz