Central Govt launches Unified Pension Scheme 2025 for NPS employees—offering guaranteed pension, higher contributions, and a one-time switch. Know benefits, rules, and salary deductions.
Unified Pension Scheme 2025: Govt’s Big Move for Secure Retirement
Guaranteed Pension, Govt Contribution & One-Time NPS Switch Explained
The Indian Government has brought in a major decision to reform the retirement system for central government employees on record, with the Unified Pension Scheme (UPS) officially going live w.e.f. April 1, 2025. Central employees in the National Pensions System (NPS) only are the target beneficiaries for this scheme which is a perfect marriage of guaranteed pension and stable investment.
How Much Will Be Deducted From Salary?
Monthly monthly Employees will contribute 10% of their basic pay as well as DA under UPS. The government, on the flip side will contribute another 10 % for this double nut. What differentiates UPS is the 8.5% more the government put into a shared pension fund, building up a strong corpus for future pension disbursals.
A One-Time Golden Chance for NPS Subscribers
Central government employees in service on or before 1st April 2025 and already covered by NPS are eligible for voluntary enrolment in UPS as on date. However, while switching is possible before you log in to UPS you will be banned from NPS. That is why it is dubbed as the pure “golden but last choice” for the government employee.
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Your PRAN Account, Still Safe
If you opt to flip, the whole NPS of yours will be transferred back to your ongoing existing PRAN (Permanent Retirement Account Number). From this point up, UPS will virtually own the pension and control your pension with or without you (but don’t lose your past contributions or gains).
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Know Your Pension Corpus Game
This new model, each and every employees will have Individual Corpus displaying the exact amount of their PRAN. Also serve as a point of comparison will be the Benchmark Corpuse (defined by the Central Recordkeeping Agency (CRA))that measures the quality of your pension in NAVs anchored in fixed instruments. .
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Conclusion: A Shift Towards Pension Certainty
Unified Pension Scheme with the structure mixing government backing and assured returns — huge step towards pension certainty in India. This financial decision could be the one most conducive to employees’ stable income in post retirement for the next decade.