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Here is a simple step-by-step guide to help Central Government employees shift from NPS to UPS (Unified Pension Scheme) online, based on the official SOP document.
UPS Deadline Extended By Sept 30.
UPS Deadline: The Government of India has extended the deadline to opt into the Unified Pension Scheme (UPS) under NPS to 30th September 2025. It was earlier scheduled to end on July 31, 2025. Eligible subscribers – existing central government employees under NPS, past retirees, and legally wedded spouse of deceased retirees – now have 3 months to opt for UPS.
What Is UPS?
The Indian government has introduced an option for the central government employees to choose the Unified Pension Scheme (UPS) under the National Pension System (NPS). UPS allows them to receive an assured payout after their retirement. The UPS has become operational from April 01, 2025.
Basically, UPS is a fund-based payout system which relies on the regular and timely accumulation and investment of applicable contributions (from both the employee and the employer (the Central Government) for grant of monthly payout to the retiree.
How Does UPS Different From NPS?
While NPS is market-linked with returns depending on equity and debt performance, UPS offers assured pension payout based on last drawn salary.
NPS is subject to market fluctuations, while UPS has low-risk, as pension is guaranteed.
NPS’s amount will depend on corpus accumulated through investments. UPS, on the other hand, minimum assured pension of Rs 10,000 per month after 10 years of service.
Here is a simple step-by-step guide to help Central Government employees shift from NPS to UPS (Unified Pension Scheme) online, based on the official SOP document:
Step-by-Step Guide: How to Shift from NPS to UPS (Online Method)
Who Can Apply?
Central Government employees in service as of April 1, 2025
Must be currently enrolled under NPS
Must want to shift to the new UPS scheme offering assured pension payouts
Step 1: Visit the eNPS Portal
Go to: https://enps.nsdl.com/eNPS/NationalPensionSystem.html
Click on “NPS to UPS Migration” under the Unified Pension Scheme section
Step 2: Enter Your Details
Enter your PRAN (Permanent Retirement Account Number)
Enter your Date of Birth
Solve the Captcha
Click on “Verify PRAN”
Step 3: OTP Verification
You will receive an OTP on your registered mobile number or email ID
Enter the OTP to proceed
Step 4: Read and Accept the Declaration
A declaration window will appear
Read carefully and tick the box to accept
Click on “Proceed to e-Sign”
Note: Once submitted, this choice is final and cannot be changed
Step 5: e-Sign Using Aadhaar
Enter your VID (Virtual ID) or Aadhaar number
Click “Send OTP”
You’ll receive an OTP on your Aadhaar-linked mobile number
Enter the OTP and click “Verify OTP”
Step 6: Confirmation
If successful, your shifting request will be submitted
An Acknowledgement Number will be generated
You can download the e-Signed migration form for your records
Optional: Offline Method
You can also apply offline by:
Downloading Form A2 from: https://www.npscra.nsdl.co.in/ups.php
Submitting it to your nodal office, who will process it on the CRA portal
Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian Inst…Read More
Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian Inst… Read More
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