Last chance for government employees to switch pension schemes
Big update for government employees: you can now move from the Unified Pension Scheme (UPS) to the National Pension System (NPS), thanks to new rules announced this month.
The deadline for opting for UPS is September 30, 2025, and the switch from UPS to NPS can be exercised at least one year before superannuation or three months before VRS, so there's a clear window to make your choice.
Key features of the new rules
If you're under UPS, you get a one-time chance to switch—but once you do, there's no going back.
You need to decide at least a year before retiring or three months before taking voluntary retirement.
If you're facing disciplinary action or forced retirement, this option isn't for you.
Those who switch will enjoy NPS benefits plus an extra 4% contribution from the government.
There are also safeguards if registration gets delayed and coverage for different retirement scenarios—all meant to give employees more flexibility and peace of mind about their future.