New Delhi: In a significant move for central government employees, the Ministry of Finance has extended the deadline to opt for the Unified Pension Scheme (UPS) till September 30, 2025. Earlier, employees had until June 30 to complete their applications. This extension comes as a big relief, especially for those who were unable to apply due to incomplete documentation or delays in the application process.
The decision was announced via an official press release issued by the Finance Ministry, which stated that the extension follows numerous appeals from government staff requesting more time to make the transition from National Pension System (NPS) to UPS.
What is the UPS Scheme?
The Unified Pension Scheme (UPS) was launched on April 1, 2025, as an alternative to the NPS. It caters specifically to central government employees who prefer a guaranteed pension structure, similar to the Old Pension Scheme (OPS).
The key advantage of UPS over NPS is assured post-retirement income. While the NPS offers market-linked returns and no guaranteed pension, UPS provides a fixed pension along with gratuity benefits. This is particularly beneficial for employees seeking financial security and predictability after retirement.
How to Apply for UPS?
Central government employees can apply for UPS through a simple online process:
Visit the official Protean CRA website: https://npscra.nsdl.co.in
Fill out the online application form.
Submit necessary documents digitally.
The online portal has been live since April 1, 2025, making it easier for employees to make the switch without the need for physical paperwork or office visits.
What Happens If You Don’t Apply?
According to the official FAQ document released by the Finance Ministry, any eligible employee who does not apply for UPS within the extended timeline will be deemed to have chosen to remain under NPS. Therefore, employees who want to switch to the more stable and predictable UPS must act before September 30.
Why the Deadline Was Extended
The extension was made after several central government employees cited delays due to missing documents or administrative hurdles. By allowing more time, the government aims to ensure that all eligible employees can make an informed decision without being rushed or excluded.
Final Thoughts
The UPS scheme is being seen as a significant policy shift, offering more control and stability over retirement planning. With the deadline now extended, government employees have the opportunity to evaluate their long-term financial goals and make the switch to a system that offers guaranteed pension benefits.
If you’re a central government employee or know someone who is, make sure this opportunity doesn’t go unnoticed.
Author Profile
- My name is Kuldeep Singh Chundawat. I am an experienced content writer with several years of expertise in the field. Currently, I contribute to Daily Kiran, creating engaging and informative content across a variety of categories including technology, health, travel, education, and automobiles. My goal is to deliver accurate, insightful, and captivating information through my words to help readers stay informed and empowered.
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