Has the deadline for switching from NPS to UPS been extended? Can you make the switch now or is the time over?

This is important news for millions of government employees. The biggest question right now is whether the deadline for switching from NPS to UPS has been extended or if the opportunity has been completely lost. Many people were hoping in late November that the date might be extended, but even after the November 30, 2025, deadline, there has been no new announcement from the government.

This is why many employees are wondering whether they can still choose UPS or whether this option is now closed. If you are also confused, then this news is for you. UPS is the government's new pension system, which is based on NPS but offers the benefit of a guaranteed pension. Therefore, everyone wants to know what will happen to those who did not opt ​​for the option on time.

Has the UPS deadline been extended?
There has been no announcement from the government yet that the UPS deadline will be extended. This means that the November 30, 2025, deadline has now completely passed.

Can I switch from NPS to UPS now?
After the deadline has passed, no one can switch from NPS to UPS. Those who failed to opt for UPS on time will now be considered NPS.

What is UPS?
UPS, or Unified Pension Scheme, is the government's new pension system, which came into effect on April 1, 2025. It is based on the National Pension System, but its major advantage is that a fixed pension is received after retirement, whereas NPS is completely market-dependent. This is why many employees consider UPS a better option.

What happens if you don't opt ​​for UPS on time?

According to the rules, those who do not opt ​​for UPS by November 30, 2025, will be considered directly in NPS. This means they will neither receive UPS nor will they have the opportunity to switch later.

How much contribution is required for UPS?
Under the Unified Pension Scheme, employees are required to contribute 10% of their basic salary + dearness allowance every month, and the government contributes an equal 10%. Additionally, approximately 8.5% is added to the pool corpus by the central government, ensuring employees receive a fixed pension in the future.

How is pension determined in UPS?
The UPS pension formula is clear: Full pension = 50% of the average basic pay for the 12 months preceding retirement. However, this is only available if the employee has worked for at least 25 years. If the service period is shorter, the pension will be determined accordingly.

A minimum monthly pension of ₹10,000 is also guaranteed, provided contributions are deposited on time, and no withdrawals are made.

What are the tax benefits in UPS?

The amount deposited by an employee in UPS (up to 10%) is eligible for tax exemption under Section 80CCD(1). This means that UPS offers tax benefits similar to NPS.

If you wanted to join UPS but couldn't opt ​​in on time, that opportunity is now over. The government has not announced any extensions. For now, employees should assume they will remain in NPS.

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