Unified Pension Scheme – Starting April 1, 2025, the Unified Pension Scheme (UPS) is officially live. It promises a guaranteed monthly pension of 10,000 rupees for central government employees, retirees under NPS, and even their eligible spouses. Whether you’re still working, just got recruited, or already retired, this guide will help you understand how to claim your pension under this new scheme in the simplest way possible.
Here’s a detailed step-by-step guide that feels less like a government manual and more like real advice from someone who’s been through it.
What Is The Unified Pension Scheme?
The Unified Pension Scheme (UPS) is a new initiative by the central government to offer a fixed pension after retirement. While the older National Pension System (NPS) depends on market returns, UPS guarantees at least 10,000 rupees per month. It’s designed to provide more financial security in your retirement years. Think of it as a safety net – your basic monthly needs are covered, no matter what the market does.
Who Can Apply?
Not everyone is eligible, but if you fall into one of these categories, you’re good to go:
- Central Government Employees – If you’re working as of April 1, 2025.
- New Joinees – Anyone who joins central services after April 1, 2025.
- Retired NPS Subscribers – Those who retired before April 1, 2025, with at least 10 years of qualifying service.
- Spouses of Deceased Employees – Only legally wedded spouses who haven’t claimed earlier can apply.
Quick Overview of the Scheme
| Feature | Details |
|---|---|
| Scheme Name | Unified Pension Scheme |
| Minimum Monthly Pension | Rs 10,000 |
| Effective Date | April 1, 2025 |
| Forms Required | A1, A2, B2, B6 |
| Where to Apply | Protean CRA Website |
| Application Timeline | 3 months for employees/retirees, 30 days for new recruits |
Step-by-Step Guide to Claim Your 10,000 Rupees Pension
Step 1: Download the Right Form
Visit the official Protean CRA website. Depending on your category, choose the correct form:
- Form A1 – For new joinees after April 1, 2025.
- Form A2 – For those already working on April 1, 2025.
- Form B2 – For retirees who retired before April 1, 2025.
- Form B6 – For spouses of deceased eligible employees.
Step 2: Fill the Form Carefully
Use block letters. Be neat and make sure the information you provide matches your official records. Some basic documents you’ll need:
Also Read:
Toll Tax New Rule: No Toll for These Cars – Gadkari’s Big Announcement After Driving Mahindra
- Aadhaar Card
- PAN Card
- Service Certificate
- Retirement Order (if retired)
- NPS Account Details
- Death Certificate (if spouse applying)
Step 3: Submit the Form
You can choose either online or offline method:
Online Method
- Scan your documents
- Upload everything on the Protean CRA Portal
- Submit digitally
Offline Method
- Print the form
- Attach photocopies of your documents
- Submit it to your Drawing and Disbursing Officer (DDO) or Head of Office
Step 4: Follow the Deadline
- If you’re an existing employee or retired before April 1, 2025 – apply by June 30, 2025.
- If you’re a new recruit – apply within 30 days of joining.
If you miss the deadline, you’ll automatically stay under the NPS. So don’t delay.
Important Things You Should Know
1. You Can’t Switch Back
Once you opt for UPS, you cannot return to NPS. So, think about your long-term goals before making this choice.
2. 10-Year Service Required
You must complete at least 10 years of qualifying service. Also, you shouldn’t have made early withdrawals from your NPS account. If you don’t meet these conditions, you won’t get the guaranteed 10,000 rupees monthly pension.
3. Stay Updated
Government may revise deadlines or tweak eligibility rules. Regularly check updates from the Ministry of Finance or visit the official UPS FAQ section.
Why This Scheme Is a Big Deal
Let’s say you’re a central government employee who retires in 2035. Under NPS, your pension would depend on market conditions – some months could be high, others low. But if you switch to UPS and fulfill all eligibility, you’re guaranteed 10,000 rupees every month, for life. That’s 1.2 lakh rupees a year – consistent and predictable.
For retirees and even the families of those who passed away in service, this scheme offers peace of mind. No more worrying about how the markets are doing or if your pension is enough to pay the bills.
The Unified Pension Scheme is a thoughtful initiative by the government to take care of its employees after retirement. If you’re eligible, take the time to go through the process properly. It’s not complex, but it does require attention to detail and timely action.
Don’t wait for the last week to apply. If you qualify, go ahead and claim what you’ve earned with years of service. A secure, regular pension can make all the difference in your later years.
