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Central Govt Employees Can Now Shift from NPS to UPS: Here’s How to Migrate and What to Expect
Sandy Verma | May 10, 2025 5:24 PM CST

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.

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