UPS vs NPS Deadline: Big news for central employees! Government extended the deadline to choose UPS, check the new deadline
Unified Pension Scheme: The government has extended the deadline to choose UPS. Now central employees will get additional time to switch from NPS to UPS. Know what is its complete process.
Unified Pension Scheme: The Finance Ministry has extended the last date for choosing between Unified Pension Scheme (UPS) and National Pension System (NPS) to 30 September 2025. Earlier this deadline was fixed as 30 June 2025. This decision has been taken after the stakeholders demanded to extend the deadline.
The press release issued by the government said, “In view of the requests received from the stakeholders, the last date for choosing the UPS option has been extended by three months to 30 September 2025. This deadline will apply to current employees, former retired employees and duly married wives of deceased retired personnel.”
Who got the benefit?
This decision will give central government employees an additional three months to decide whether to opt for UPS or continue with NPS. This will enable them to make an informed choice of their pension option.
UPS is an optional pension scheme, which came into effect from 1 April 2025 and guarantees fixed pension payments and a lump sum on retirement. Recently, gratuity benefits have also been provided to employees opting for UPS, which were earlier available only to OPS beneficiaries.
Who is eligible for UPS?
Central government employees who are in service as on 1 April 2025 or have retired by 31 March 2025 are eligible to switch from NPS to UPS, provided they have completed at least 10 years of service and retired under Fundamental Rules 56(j), when this retirement is not treated as a penalty under CCS (CCA) Rules.
Further, duly married spouses of eligible deceased retired employees of UPS are also eligible for this option.
How to choose UPS? Know the online process
The government has started an online facility for changing to Unified Pension Scheme (UPS), so that eligible employees can switch themselves. For this, you have to go to the e-NPS portal and follow the steps given below:
- Open the e-NPS portal and go to the Unified Pension Scheme section.
- Enter your PRAN number and date of birth, then fill the captcha.
- Verify with OTP sent to mobile or email.
- Fill the online declaration form considering UPS as the last option.
- E-sign the form with the help of Aadhaar or VID.
- Download the Acknowledgment after the process is completed.
If you want to follow the offline process, then download Form A2 and submit it to the nodal office of your department.
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