NPS To UPS Switch Deadline: The last date to switch from National Pension System (NPS) to Unified Pension Scheme (UPS) was November 30, 2025 and no new announcement has been made by the government so far regarding extending this deadline.
NPS To UPS Switch Deadline: The last date to switch from National Pension System (NPS) to Unified Pension Scheme (UPS) was 30 November 2025 and till now no new announcement has been made by the government regarding extension of this deadline. This means that the employees who did not opt for UPS within the given time limit will not be able to join this new scheme. After the deadline was over, the question was rising among the central government employees whether there would be any extension, but at present there is nothing like that. UPS was implemented from 1 April 2025 this year and it was much talked about due to its promise of giving more stable and assured pension as compared to NPS.
What are the details?
UPS was specifically designed for government employees who wanted a guaranteed monthly pension instead of the market-based return system of NPS. Under this new scheme, employees contribute 10% of their basic pay and DA, and the government contributes an equal amount. Additionally, the government contributes approximately 8.5% to a ‘pool corpus’ fund to ensure smooth pension payments in the future. However, employees who do not switch to UPS within the stipulated time will now be considered under NPS by default and will not be able to exit the old scheme.
Pension Calculation in UPS
Pension calculation under UPS is quite simple. The full pension benefit is available only if the employee has served for at least 25 years. In such cases, the pension will be 50% of the employee’s average basic salary (12 months) before superannuation. Employees with shorter service periods will receive a proportionate pension. Furthermore, it has been ensured that employees with 10 years of service or more receive a guaranteed pension of at least ₹10,000 per month—provided timely contributions are made and no partial withdrawals are made. Those taking voluntary retirement (VRS) will also receive their pension from the same age at which they would normally retire.
UPS and NPS are tax-sensitive.
UPS is tax-sensitive and similar to NPS. Employee contributions are tax-deductible under Section 80CCD(1) of the Income Tax Act, with up to 10% of basic and personal income tax (DA) eligible for tax deduction. The government touts this scheme as more transparent and employee-friendly, but the failure to extend the deadline has angered many employees who were unable to make a decision or submit their option in the final days. Currently, there has been no indication from the government about opening a new window or extending the UPS. Therefore, it is clear that only those employees who opted for this option before November 30, 2025, will be able to avail the benefits of UPS.
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The post NPS Switch Deadline Extendead: Last date for switching from NPS to UPS has been extended; check the new date. first appeared on informalnewz.
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