Unified Pension Scheme — Quick Overview
| Scheme Name | Unified Pension Scheme (UPS) 2025 — 50% Assured Pension for Central Govt Employees |
| Launched By | Government of India |
| Launch Year | 2025 |
| Benefit | 50% of last 12-month average basic pay as assured monthly pension (after 25 years); minimum ₹10,000/month (after 10 years) |
| Category | Finance |
| Last Verified | 1 May 2026 |
| Official Portal | https://pfrda.org.in |
What is Unified Pension Scheme?
The Unified Pension Scheme (UPS) is a central government pension reform approved by Cabinet in August 2024 and implemented from April 1, 2025. It offers central government employees currently under NPS (National Pension System) an assured pension of 50% of the average basic pay drawn over the last 12 months before superannuation, after completing 25 years of service. A minimum pension of ₹10,000/month is guaranteed for those with 10+ years of service. The family pension is 60% of the employee's pension amount. Pension is indexed to inflation through Dearness Allowance.
Under this scheme, eligible beneficiaries receive 50% of last 12-month average basic pay as assured monthly pension (after 25 years); minimum ₹10,000/month (after 10 years). The scheme was launched in 2025 and is implemented by the Government of India.
Benefits of Unified Pension Scheme
50% of last 12-month average basic pay as assured monthly pension (after 25 years); minimum ₹10,000/month (after 10 years)
Who is Eligible for Unified Pension Scheme?
- ✓Central government employee who joined service on or after January 1, 2004 (covered under NPS)
- ✓In service as on April 1, 2025
- ✓Must opt-in to UPS (one-time irrevocable choice)
- ✓Minimum 10 years of service for minimum ₹10,000 pension
- ✓25 years of service for full 50% assured pension
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Documents Required for Unified Pension Scheme
How to Apply for Unified Pension Scheme Online?
- 1Visit the official portal at https://pfrda.org.in
- 2Click on Apply Now or Register button on the homepage
- 3Enter your Aadhaar-linked mobile number and verify OTP
- 4Fill in the online application form with required details
- 5Upload the required documents including Aadhaar and bank passbook
- 6Review all details and submit the application
- 7Note down the application reference number for future tracking
- 8Wait for verification and approval from the concerned authority
Official Government Portal
Apply directly on the official government website. This is the only authorised portal — never pay anyone to apply on your behalf.
🔗Apply on pfrda.org.inFrequently Asked Questions — Unified Pension Scheme
Common Questions About Finance Schemes
What is covered under PMSBY?+
Death or total permanent disability due to accident gets ₹2 lakh. Partial permanent disability gets ₹1 lakh.
How to enroll in PM Suraksha Bima Yojana?+
Contact your bank branch or enroll through internet banking/mobile app to activate this insurance with just ₹20/year deducted automatically.
What are the four categories under PM Mudra Yojana in 2026?+
Shishu: up to ₹50,000 for new startups; Kishore: ₹50,001 to ₹5 lakh for growing businesses; Tarun: ₹5 lakh to ₹10 lakh for established businesses; Tarun Plus (launched 2024 Union Budget): ₹10 lakh to ₹20 lakh for those who successfully repaid a Tarun loan.
Which banks offer Mudra loans?+
All PSU banks (SBI, PNB, BOB, etc.), private banks, Regional Rural Banks (RRBs), Microfinance Institutions (MFIs), and NBFCs are registered Mudra lenders. Apply at any branch or online at udyamimitra.in.
How much pension will I get under APY?+
Depending on the pension plan (Rs.1K to Rs.5K/month) and your age at enrollment, your monthly contribution varies. Example: For Rs.5,000/month pension — if you join at age 18, contribute Rs.210/month; at age 30, contribute Rs.577/month; at age 40, contribute Rs.1,454/month.
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