The UPS calculator is for Central Government employees under the Unified Pension Scheme, in force from 1 April 2025. It projects your basic pay to retirement and shows the assured payout, Dearness Relief, the lumpsum at superannuation, the family pension, and how withdrawing from your individual corpus reduces the payout.
UPS pension formula
Assured payout = 50% x average basic pay of last 12 months (25+ years service)
= 50% x avg basic x (service in years / 25) (10 to 25 years)
Minimum = Rs. 10,000 a month (10+ years service)
Plus Dearness Relief on the payout, revised like DA
Lumpsum at superannuation = 1/10 x (monthly basic + DA) x completed six-month periods of service
Family pension = 60% of the payout admissible just before deathUPS payout examples (25+ years of service)
| Average basic, last 12 months | Assured payout | With DR at 30% | Family pension (60%) |
|---|---|---|---|
| Rs. 60,000 | Rs. 30,000 | Rs. 39,000 | Rs. 23,400 |
| Rs. 1,00,000 | Rs. 50,000 | Rs. 65,000 | Rs. 39,000 |
| Rs. 1,50,000 | Rs. 75,000 | Rs. 97,500 | Rs. 58,500 |
| Rs. 2,00,000 | Rs. 1,00,000 | Rs. 1,30,000 | Rs. 78,000 |
Lumpsum example: with basic + DA of Rs. 1,30,000 at retirement and 30 years of service (60 completed six-month periods), the lumpsum is Rs. 1,30,000 / 10 x 60 = Rs. 7.8 lakh. This lumpsum does not reduce your payout.
Contributions under UPS
At superannuation you may withdraw up to 60% of your individual corpus, but the assured payout is then reduced in the same proportion. Most employees who want maximum lifelong income leave the corpus untouched.
Key UPS rules
- Voluntary retirement after 25 years: payout starts from the date you would have superannuated.
- Dismissal or removal from service, or resignation: no assured payout.
- A one-time switch from UPS back to NPS is allowed, up to one year before superannuation or three months before voluntary retirement. You cannot come back to UPS after switching.
- Contribution during suspension is optional; during probation it is mandatory (DoPPW OM, 27 October 2026). Read our report.
- UPS pensioners must submit a life certificate every year by 30 November; the new UPS Jeewan Setu app allows Aadhaar face authentication. Details.
Compare both schemes on your own numbers in the UPS vs NPS calculator.
Frequently asked questions
How much pension will I get in UPS?
50% of your average basic pay over the last 12 months if you have 25 or more years of qualifying service, plus Dearness Relief. Between 10 and 25 years it is proportionate, with a minimum of Rs. 10,000 a month.
Is DA added to UPS pension?
Yes. Dearness Relief is paid on the assured payout and on family pension, revised in the same way as DA for serving employees.
What is the UPS lumpsum?
One-tenth of monthly emoluments (basic + DA) at superannuation for every completed six months of qualifying service, in addition to gratuity.
Can I switch from UPS to NPS?
Yes, once. The switch must be made at least one year before superannuation, or three months before voluntary retirement.
Is UPS applicable to state government employees?
UPS was notified for Central Government employees. States may adopt it for their own staff; some, such as Maharashtra and Manipur, have announced or approved versions of it.
Sources
- Notification on UPS under NPS, 24 January 2025; PFRDA (Operationalisation of UPS under NPS) Regulations, 2025
- CCS (Implementation of Unified Pension Scheme under NPS) Rules, 2025, DoPPW