https://indianmasterminds.com

ADVERTISEMENT
ADVERTISEMENT

Unified Pension Scheme Rules: Employees Can Return to NPS Before Retirement – Learn Everything Inside

Centre issues rules allowing employees under UPS to switch back to NPS with safeguards and clear retirement benefits.
Indian Masterminds Stories

New Delhi: The Centre has issued new rules allowing employees who opt for the Unified Pension Scheme (UPS) to switch back to the National Pension System (NPS) under specific conditions. The option will be available one year before retirement or three months prior to voluntary retirement.

Union Minister of State for Personnel, Public Grievances and Pensions Dr. Jitendra Singh released the CCS (Implementation of UPS under NPS) Rules, 2025 on Wednesday. The rules give Central government employees the flexibility to choose between the UPS and NPS.

Flexibility for Government Employees

Dr. Singh highlighted that the new rules clearly explain how employees can enrol under UPS and exercise their choices. The announcement was made during the 14th Pension Adalat at Vigyan Bhawan, where he also unveiled a short film addressing frequently asked questions on the scheme.

Employees will get a two-week window to exercise their option between NPS and UPS. Officials said the rules were notified on 2 September 2025 and cover multiple aspects of pension entitlements.

Switching Back to NPS

A key provision ensures that employees opting for UPS are not locked in permanently. They can switch back to NPS one year before retirement or three months before voluntary retirement.

The rules also clarify how contributions from both employees and the government will be handled to maintain transparency. If authorities delay registration or crediting contributions under UPS, the employee will receive compensation to avoid any financial loss.

Protection for Employees and Families

The framework provides safeguards in unexpected circumstances. If an employee dies in service or becomes disabled, the family may choose between benefits under traditional CCS (Pension) Rules or UPS provisions, whichever is more advantageous.

The rules detail benefits across different retirement scenarios, including normal, voluntary, premature, or health-related retirement, as well as resignation or absorption into PSUs and autonomous bodies.

Ensuring Awareness and Clarity

The Department of Pension and Pensioners’ Welfare (DoPPW) has planned an outreach drive to raise awareness. Officials said the detailed rules remove ambiguity and allow employees to make informed choices.

Welcoming the move, All India NPS Employees Federation President Manjeet Singh Patel said the FAQs would help resolve employee concerns and improve confidence in the system.

Also Read: Govt Notifies Unified Pension Scheme Rules for Central Civil Services Under NPS


Indian Masterminds Stories
ADVERTISEMENT
ADVERTISEMENT
Related Stories
ADVERTISEMENT
ADVERTISEMENT
NEWS
Anukriti Sharma IPS resized
IPS Anukriti Sharma Lights Up Lives: Sambhal Police’s Heartwarming Diwali Mission Wins the Internet
PESB
PESB Opens Applications for Director Posts in NHPC and CONCOR; Apply by November 11
CBI
2 IPS Officers Appointed as SPs in CBI on 5-Year Central Deputation – Know Their Profiles
WhatsApp Image 2025-10-21 at 2.07
Govardhan Puja: CM Mohan Yadav Performs Puja at Tilkeshwar Temple, Reiterates Commitment to Farmers & Cow Welfare
Pushkar Singh Dhami Cow
Govardhan Puja in Uttarakhand: CM Pushkar Singh Dhami Highlights Cow Conservation as Key to Culture and Self-Reliance
Gujarat News
From Temple to Policy: Gujarat CM’s New Year Message Blends Tradition with Self-Reliant Growth
Vishnu Deo Sai CM
Chhattisgarh Lights Up with Development: CM Vishnu Deo Sai Celebrates Diwali at Gurudham, Announces Rs. 1.58 Crore Revamp Plan
Lucknow parks development
Lucknow’s Green Makeover: LDA to Revamp 50 Parks with Rs. 150 Crore Urban Eco-Development Plan
ADVERTISEMENT
ADVERTISEMENT
Videos
WhatsApp Image 2025-10-19 at 12.23
UPSC Journey Should Be Enjoyable, Not Cumbersome
WhatsApp Image 2025-10-16 at 15.16
The Many Facets of Former IRS Officer and Author, Giselle Mehta | Video Interview
IDES Saquib Alam
Beyond IAS and IPS: The Inspiring Work of an IDES officer | Video Interview 
ADVERTISEMENT
UPSC Stories
IAS Rupal Rana UPSC
How Rupal Rana Cracked UPSC CSE 2023 with AIR 26 After Four Attempts
UPSC Topper Rupal Rana secured AIR 26 in 2023 after four attempts. Learn her preparation strategy, booklist,...
Ankita Parashar RAS 2023
4 Attempts, 1 Dream, 0 Excuses: Meet RAS Topper Ankita Parashar, Who Fulfilled a Daughter’s Promise & Secured Rank 2 | Exclusive Interview
Ankita Parashar, a teacher-turned-officer from Pushkar, fulfilled her late father’s dream by securing...
Kushal Chaudhary RAS
From Lab Assistant’s Grit to Rajasthan Topper: How Kushal Chaudhary Topped RAS 2023 with Self-Study | Preparation, Strategy & Interview
Kushal Chaudhary, a farmer’s son and lab assistant from Ajmer, topped RAS 2023 through self-study, overcoming...
Social Media
IFS Parveen Kaswan
Heartbreak by the River: 15-Day-Old Elephant Calf Rejected by Mother, Rescued by IFS Parveen Kaswan and His Team
Jaldapra, West Bengal: In a moving incident that tugs at the heart, a 15-day-old elephant calf was rescued...
Ashwini Bhide IAS and Anand Mahindra
Who Is IAS Ashwini Bhide, Hailed as a Role Model for Mumbai Metro Transformation by Anand Mahindra?
From heritage to high-tech: Bhide’s leadership in Metro Line 3 earns public praise and admiration
World Rhino Day India
On World Rhino Day, IFS Officer Parveen Kaswan Shares Rare Insights - India Now Hosts 80% of the World’s One-Horned Rhinos
September 22 Marks Global Call for Rhino Conservation; India Holds 80% of World’s Greater One-Horned...
ADVERTISEMENT
ADVERTISEMENT
ADVERTISEMENT
Latest
Anukriti Sharma IPS resized
IPS Anukriti Sharma Lights Up Lives: Sambhal Police’s Heartwarming Diwali Mission Wins the Internet
PESB
PESB Opens Applications for Director Posts in NHPC and CONCOR; Apply by November 11
ADVERTISEMENT
ADVERTISEMENT
ADVERTISEMENT
ADVERTISEMENT
ADVERTISEMENT
ADVERTISEMENT
ADVERTISEMENT
Videos
WhatsApp Image 2025-10-19 at 12.23
WhatsApp Image 2025-10-16 at 15.16
IDES Saquib Alam
ADVERTISEMENT
ADVERTISEMENT