NPS to UPS Deadline: If you are a central government employee, this news may be very important for you. The central government had set November 30, 2025, as the deadline for employees to exit the NPS and adopt the Unified Pension Scheme. The government’s deadline has expired. There has been no official indication of an extension. This makes it clear that employees who do not opt ​​for UPS in time will no longer be able to avail of this secure pension scheme.

UPS was implemented in April

For information, UPS was implemented in April 2025. UPS had a significant impact on employees. The biggest highlight of this scheme was that it would not provide market-dependent returns. It promised stable returns. Millions of employees who waited until the last minute are now disappointed, as there is no possibility of any relief at this time.

Read Here: Flipkart Buy Buy Sale– Get OnePlus 13 for Less Than Rs 50,000 With exchange offer!

Why UPS is considered special

UPS is special for employees who want a fixed income after retirement. Under this scheme, employees are required to contribute 10% of their basic salary and DA. The government also contributes an equal 10% contribution.

In addition, the government deposits an additional 98.5% of the contribution into the Pool Corpus Fund. This fund is designed to ensure pension payments after tax. Public employees who have not opted for UPS within the stipulated time will now be considered under NPS by default. Once the deadline is over, there will be no option to exit NPS.

Read Here: POCO X8 Pro Spotted On BIS, Expected To Launch Soon In India – Check Expected Price & Specs

Simple Pension Calculation Formula

The process for determining pension under UPS is very clear and simple. Full pension will be paid for 25 years or more of service. The pension is 50% of the average basic salary of the last 12 months before retirement. For less than 25 years of service, the pension will be paid proportionately. Those with 10 years of service or more will be guaranteed a minimum monthly pension of ₹10,000. This benefit will be available only if contributions are regular and no partial withdrawals have been made.