The Department of Pension and Pensioners’ Welfare has notified in the official Gazette on 02.09.2025 the Central Civil Services (Implementation of the Unified Pension Scheme under the National Pension System) Rules, 2025 for regulating the service matters relating to benefits under the Unified Pension Scheme in respect of Central Government employees opting for UPS as an option under the NPS.

Under these rules provisions for one-time switch option from UPS to NPS have also been provided for those who had opted for UPS in the stipulated time lines i.e. 30.09.2025. UPS subscriber shall have following options:

(i) Eligible employees under UPS can switch to NPS only once, and cannot switch back to UPS.

(ii) The switch can be exercised at least one year before superannuation or three months before VRS.

(iii) The switch facility will not be allowed in case of removal, dismissal or compulsory retirement as a penalty or for cases where disciplinary proceedings are ongoing or contemplated.

(iv) Those who do not opt for the switch within the stipulated time will continue under UPS.

(v) Subscriber on opting NPS will get NPS benefits and differential 4% contribution amount.

(vi) This switch option would provide more flexibility to subscriber in opting UPS and also provide them informed choice in planning their post-retirement financial security.

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NKR/PSM

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