Archive · 2 Jun 2025
NPS Trust Launches UPS Calculator for Pension Comparison
Imagine you work for the central government and are planning for retirement.
The government has a new pension plan called UPS.
To help you decide between the old plan (NPS) and the new one, the NPS Trust has created an online calculator.
This tool lets you compare how much pension you might get from each plan.
With UPS, you and the government both contribute money, and you get a guaranteed pension each month when you retire, plus some money upfront.
The amount of pension depends on how long you've worked.
If something happens to you, your spouse gets a portion of your pension.
The calculator makes it easier to understand and choose the best plan for your future.
NPS Trust launched a UPS calculator for central government employees.
The calculator allows employees to compare pension options under NPS and UPS.
UPS is a new pension option offering a guaranteed monthly pension and lump sum.
Employees contribute 10% of their salary, matched by the government.
The calculator helps employees choose the best plan for retirement needs.
- Who
- The NPS Trust launched the calculator for central government employees.
- What
- NPS Trust launched a UPS calculator for central government employees.
- When
- Recently, the UPS was introduced by the Government of India.
- Where
- The online tool is available for central government employees.
- Why
- To help central government employees compare pension options and make informed decisions.
- Calculator Purpose
- Compares pension options under NPS and UPS.
- UPS Availability
- Available to central government employees.
- Employee Contribution (UPS)
- 10% of basic salary + DA
- Government Contribution (UPS)
- Equal to employee's contribution
- Minimum Guaranteed Pension (UPS)
- ₹10,000 per month after 10 years of service.
- Pension after death (UPS)
- 60% of pension to spouse.
- UPS Investment
- Default schemes or private pension fund managers (PFMs).