Government Revises UPS Rules: These Employees Eligible for Pension After Just 20 Years of Service

After a job, the biggest concern for employees is retirement planning and pension. In India, there are two options for this: NPS and UPS. The Unified Pension Scheme (UPS) was started in the country on 1 April 2025. Now, the government has made a big decision about UPS. The Ministry of Personnel, Public Grievances, and Pensions has changed the rules for UPS.

Now, if an employee completes 20 years of regular service, he or she will get the full pension. Employees had been asking for this change for a long time, and now it has been done. This change will benefit lakhs of central government employees. Let us tell you which employees will get this benefit.

Earlier, the Limit Was Higher

Earlier, the rules for getting a pension were a little strict. In the Unified Pension Scheme (UPS), an employee could get full pension only after completing 25 years of service. This means that even if someone worked for 24 years, they did not get the full benefit.

For a long time, employee organizations asked the government to reduce this limit. They said it is not easy for everyone to work continuously for 25 years. Now, the government has accepted their demand and reduced the limit to 20 years. This will give great relief to employees.

Who Will Benefit

This decision will directly help government employees under the Unified Pension Scheme. Earlier, 25 years of service was needed to get full pension. Now, employees will get the full benefit after working for 20 years.

This will mostly help those who could not complete 25 years due to health problems, family responsibilities, or early retirement. Now, they will also get full pension after retirement. This is a big gift for lakhs of central employees before Diwali.

Other Benefits

Employees under UPS will get other benefits along with the pension. If an employee becomes disabled during service, they will get a pension. If an employee dies while working, their family will get a secure pension.

The family can choose either the CCS Pension Rules or UPS rules. This means that not only after retirement but even in case of any unexpected event during the job, the employee and their family will get financial security.