The central government has extended the last date to join the Unified Pension Scheme (UPS) from July 31, 2025, to September 30, 2025. This extension comes as a big relief for central government employees, former pensioners, and valid spouses of deceased pensioners who couldn’t enroll in UPS earlier.
🔍 What is the Unified Pension Scheme (UPS)?Launched on April 1, 2025, the Unified Pension Scheme (UPS) is a government-backed retirement plan that promises a fixed monthly pension to eligible individuals. Though it comes under the broader umbrella of the National Pension System (NPS), it differs significantly—UPS guarantees a minimum pension, whereas NPS returns depend on market performance.
✅ Key Benefits of UPS-
Guaranteed Pension: Unlike NPS, where payouts vary, UPS assures a minimum pension of ₹10,000/month for employees who have served at least 10 years.
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Low Risk: Since it's not market-linked, UPS offers stable and predictable returns.
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Post-Retirement Security: Especially useful for retirees and families who prefer consistent monthly income.
You are eligible to shift to UPS if you fall under any of the following categories:
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Currently a central government employee enrolled in NPS and in service as of April 1, 2025
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A retired government employee
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A valid spouse of a deceased government employee
The government has made the switch from NPS to UPS simple and digital:
Visit the eNPS website
Navigate to the "NPS to UPS Migration" section
Login using your PRAN number, date of birth, and OTP
Fill out the form and e-Sign to complete the submission
For those not comfortable with the online process:
Download Form A2
Fill and submit it to your nodal office
The nodal office will process your application through the CRA portal
⚠️ Important Note: Once you shift to UPS, you cannot go back to NPS. Make an informed decision after reviewing your long-term financial goals.
🆚 UPS vs NPS: Key Differences| Type | Defined Benefit | Defined Contribution |
| Pension Guarantee | Yes (min ₹10,000/month) | No (Market-based returns) |
| Risk Level | Low | Moderate to High (Market Linked) |
| Return Predictability | High | Variable |
| Eligibility | Govt employees in service before 1 April 2025 | Open to all citizens |
With the deadline extended to September 30, 2025, this is a great opportunity for eligible individuals to switch to a safer and more predictable pension scheme. Whether you're nearing retirement or managing post-retirement finances, UPS offers stability and financial peace of mind. Just ensure you weigh the pros and cons—especially the irreversibility of the decision—before making the shift.
Disclaimer: Always consult a certified financial advisor or pension consultant before making significant retirement-related decisions.
