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Govt Pension Shift: Deadline Nears!
25 Nov, 2025
Summary
- NPS subscribers must submit Unified Pension Scheme requests by November 30, 2025.
- The new scheme offers a guaranteed, inflation-adjusted pension based on average pay.
- Employees can switch to the optional Unified Pension Scheme or remain in NPS.
The Ministry of Finance has reminded Central Government employees and National Pension System (NPS) subscribers to submit their applications for the Unified Pension Scheme (UPS) by the November 30, 2025 deadline. This optional, defined-benefit plan guarantees a predictable, inflation-adjusted pension, contrasting with the market-dependent NPS.
The UPS ensures a pension equivalent to 50% of the average basic pay over the last 12 months for those with 25 years of service. It also includes gratuity and family pension benefits, offering greater certainty in retirement income. Employees can transition to UPS or remain in NPS, with the flexibility to revert to NPS later.
Applications can be filed online via the CRA system or physically at Nodal Offices. The Finance Ministry has emphasized strict adherence to processing procedures. This final application window presents a crucial opportunity for government personnel to align their retirement benefits with their long-term financial preferences.
