Ministry of Finance (Department of Financial Services)
Unified Pension Scheme (UPS)
Assured pension of 50% of average basic pay of the last 12 months of service (for 25+ years of service), a minimum ₹10,000/month pension for 10+ years of service, and 60% family pension on the employee's death
Monthly pension after retirement
An assured-pension option under the National Pension System for central government employees, introduced by the Ministry of Finance as an alternative to the market-linked NPS. It guarantees a minimum pension linked to an employee's last-drawn basic pay instead of leaving retirement income entirely to market returns.
Am I Eligible?
Quick check — answer 3 questions
Is your age between 18 and 100 years?
Is your annual family income under ₹1 Cr?
Do you live in India?
Benefit Details
Assured pension of 50% of average basic pay of the last 12 months of service (for 25+ years of service), a minimum ₹10,000/month pension for 10+ years of service, and 60% family pension on the employee's death
Provided by Central Government
Monthly pension after retirement
Eligibility Criteria
Central government employees covered under the National Pension System (NPS) who opt in; requires a minimum of 10 years of service for a proportional pension and 25 years for the full assured pension
18 to 100 years
Up to ₹1 Cr / year
Rural & Urban (Both)
Required Documents
💡 Tip: Keep original documents and 2 photocopies ready. Self-attest all photocopies.
How to Apply
Check eligibility
offlineConfirm you are a central government employee enrolled under NPS
Submit UPS option form
offlineGet the UPS opt-in form from your department's DDO (Drawing and Disbursing Officer)
Verify service record
offlineYour department verifies years of service and last-drawn basic pay
Confirm switch
offlineOnce approved, your NPS corpus is adjusted and UPS becomes your pension scheme (largely irreversible switch)
Receive assured pension
offlineOn retirement, receive the assured monthly pension via PFRDA/CRA processing
Frequently Asked Questions
Quick Summary
Related Schemes
Pradhan Mantri Shram Yogi Maandhan (PM-SYM)
Guaranteed monthly pension of ₹3,000 after age 60; government matches your monthly contribution rupee for rupee
Atal Pension Yojana (APY)
Guaranteed monthly pension of ₹1,000–₹5,000 per month after age 60; spouse receives same pension after subscriber's death; nominee receives lump sum return of corpus on death of both subscriber and spouse
Varishtha Pension Bima Yojana (VPBY)
Guaranteed pension income at 9.3% p.a. — a ₹15 lakh purchase gives approximately ₹11,625/month; purchase price fully returned to nominee on death; no market risk; government-backed; pension continues for entire lifetime
National Pension System (NPS)
Tax deduction up to ₹1.5 lakh under 80CCD(1) + additional ₹50,000 under 80CCD(1B) — total ₹2 lakh tax saving per year; 60% tax-free withdrawal at retirement; remaining 40% invested in annuity for monthly pension; low-cost, professionally managed market-linked growth over long term
⚠️ Disclaimer: Information is compiled from official government sources for guidance purposes. Eligibility and benefits may vary. Always verify with the official portal or nearest government office before applying.
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