Unified Pension Scheme vs OPS vs NPS: How is UPS different from National Pension Scheme, Old Pension Scheme?

The Modi government has introduced the Unified Pension Scheme (UPS) effective April 1, 2025, for central employees who joined post-January 1, 2004. It guarantees a 50% of basic salary pension. Employees can choose between UPS and NPS, the latter being market-linked.

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