Salient Features of Unified Pension Scheme, UPS

Features of Unified Pension Scheme (UPS)

1. Contribution/ month 

Employee: 10% of Basic + DA

Employer: 10% of Basic + DA

2. Individual corpus means

Combined contribution of Employee +  Employer

3. Withdrawal limit in UPS: Up to 60% of  Individual corpus can be withdrawn at the time of retirement. 

(Ref: Page 129 of Gazette notification dated 19.03.2025)

4. UPS offers assured pension. Government is keeping 8.5% of Pooled corpus (PC) for this.  

5. Already accumulated corpus in NPS shall be transferred to UPS account of the employee. 

Reference

Department of financial services

NSDL FAQ

Gazette notification 

Unified Pension Scheme, UPS Calculator