Unified Pension Scheme: 1.22 Lakh Employees Opt In, Govt Reveals Key Benefits & Rules

• Over 1.22 lakh central government employees opted for the Unified Pension Scheme (UPS) by November 30, 2025.
• UPS, implemented April 1, 2025, allows a one-time, one-way switch back to NPS under specific conditions.
• Employees with 25 years of service receive 50% of average basic pay as pension; pro-rata for less service.
• The scheme guarantees a minimum pension of ₹10,000 per month for those with 10+ years of service.
• Family pension rules state 60% of admissible pension for the spouse upon the pensioner's death.

Why It Matters: Over 1.22 lakh central govt employees chose UPS, offering flexible pension options and benefits.