People start planning their pension options while working and choose from different pension plans to become self-supporting after retirement. The Government of India plans to implement the Unified Pension Scheme (UPS), which will benefit workers under the National Pension System (NPS). NPS subscribers will soon have access to the benefits of the Unified Pension Scheme (UPS). This pension system will take effect for all staff members joining the central government after April 1, 2025, as reported by ABP News.

The Pension Fund Regulatory and Development Authority has established guidelines for operating UPS, which will commence on April 1, 2025. All central government employees under NPS will receive a pension equal to 50% of their average monthly earnings from the previous 12 months if they have completed 25 years of service. The minimum guaranteed pension amount is set at Rs 10,000 per month, available to those who have completed at least ten years of service.

The UPS application requirements depend on the applicant’s employment status, as different forms must be submitted. Current government employees should submit Form A2, while newly appointed staff members need to fill out Form A1. Retired government employees must submit Form B2 to apply for the program. In case of a pensioner’s passing, their spouse should complete Form B6.

Starting April 1, 2025, central government employees can access and download the UPS scheme notification from the Protean CRA website at https://npscra.nsdl.co.in. The application process allows employees to choose between online submission or offline submission through their department’s head office or the Drawing and Disbursing Officer. UPS scheme applications must be submitted to the department within three months from April 1, 2025. New staff members must indicate their choice regarding UPS within the first 30 days of employment.

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