New Pension Scheme for Central Govt Employees: Rs 10,000 Minimum Pension, Family Pension & More

New Delhi: There are many schemes for central employees that give wings to their future and family dreams. You must have heard about the facility of family pension, which guarantees 60 percent pension to the family even after the death of the employee. Under the scheme, a lump sum payment is also made on retirement in addition to gratuity.

The government started the new scheme on April 1, 2025. Under this scheme, a minimum pension facility of Rs 10,000 is provided. There will be some necessary conditions and rules to get this amount. First you can understand some important things in the article below.

Know about the scheme.

Under the welfare scheme of the government, there is a provision to give 50 percent of the average basic salary received in the 12 months before retirement as a guaranteed pension. For a minimum qualifying service of 25 years, 50 percent of the average basic salary received in the last 12 months before retirement is given as pension.

This salary will be proportional to the minimum service period of 20 years. The most important thing is that the employees also have a family pension facility. If the employee dies, 60 per cent of the pension benefit is given to the family. At the same time, under this scheme, a lump sum payment is made on retirement in addition to gratuity.

Know for which employees.s

The government has made these rules to enable the enrollment og employees included in NPS who are in service till April 1, 2025 and employees recruited in Central Government services on or after April 2025. The nomination and claim form for all these categories of central government employees is available online on the website of Protein CRA from April 1, 2025. Along with this, employees also have the option to physically submit the form.

What is the difference between OPS and UPS?

For information, let us tell you that before January 2004, the government’s OPS scheme was effective. Under this, there was a provision for the employees to get 50 percent (half) pension of the basic salary. Unlike OPS, UPS is of contributory nature. In this, the employees must contribute 10 per cent of the basicpayy and dearness allowance. Apart from this, the employer’s contribution will be 18.5 per cent.