UPS Calculator — Unified Pension Scheme (India, FY 2026-27)
Estimate your assured pension, lumpsum, and family pension under the Unified Pension Scheme (UPS) for Central Government employees. Based on 50%-of-last-12-months-basic formula notified in August 2024 and operational from 1 April 2025.
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Service & pay
Your UPS projection
- Assured pension (monthly, pre-DR)
- ₹50,000
- Family pension (on death of employee)
- ₹30,000/mo
- Lumpsum at retirement
- ₹7,50,000
- Service ≥ 25 years → full assured pension at 50% of avg basic pay.
- Lumpsum = (basic + DA) / 10 × 50 completed 6-month periods.
- Family pension = 60% of assured pension, payable on death of employee.
How we computed this
Unified Pension Scheme — FAQ
What is the Unified Pension Scheme (UPS)?
UPS is a pension scheme for Central Government employees notified on 24 August 2024 and operational from 1 April 2025. It offers an assured pension of 50% of the average of last 12 months' basic pay (for service of 25 years or more), a minimum ₹10,000/month pension (for 10+ years), family pension at 60%, and a lumpsum payout. Employees can opt for UPS or the existing NPS — the choice is one-time.
Who is eligible for UPS?
All Central Government employees covered under NPS as of 1 April 2025, and all new recruits joining from that date. Recipients must complete at least 10 years of qualifying service for any assured pension. State Government employees may be covered if the respective State adopts UPS — several States have announced they will.
How is the UPS assured pension calculated?
For service of 25 years or more: 50% of the average of basic pay drawn during the last 12 months before retirement. For service of 10-25 years: the 50% amount is linearly pro-rated (e.g., 15/25 × 50% = 30% for 15 years). A floor of ₹10,000/month applies for any qualifying service of 10+ years.
What contribution do UPS employees make?
Employee contributes 10% of (basic + DA) — same as NPS. The Central Government contributes 18.5% (10% matching + 8.5% to the pool fund that backs the assured-pension guarantee). Both employee and employer contributions track the Pay Commission DA revisions.
UPS vs NPS — which is better?
UPS trades upside for certainty: you get a guaranteed 50% pension regardless of market performance, but you cannot choose equity-heavy funds to chase higher returns like NPS allows. NPS historically delivered 10-11% CAGR on aggressive allocations — over a 25-year career, that usually produces a higher corpus than the UPS assured payout. UPS is better for risk-averse employees or those close to retirement; NPS is better for younger employees with long horizons.
What happens if I die while in service under UPS?
Family pension is 60% of the assured pension that the employee would have received, calculated as if the employee had completed qualifying service. The spouse receives this for life; children may receive a share until majority. Actual rules are being finalised by PFRDA and the Department of Expenditure as of FY 2026-27.