Unified Pension Scheme: Retired Govt Employees With Over 10 Years' Service To Get Additional Benefits

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The government announces that central government NPS retirees by March 31, 2025, with at least 10 years of service, can claim extra benefits under the UPS.
In a major relief for retired central government employees, the central government has said that the central government NPS (National Pension System) subscribers who retired on or before March 31, 2025, with a minimum of 10 years of qualifying service, are now eligible to claim additional benefits under the Unified Pension Scheme (UPS) — over and above the regular NPS benefits they may have already availed.
This benefit can also be claimed by the legally wedded spouse of the eligible retiree.
'The Central government NPS subscribers who retired on or before 31/03/2025 with minimum 10 years of qualifying service or their legally wedded spouse can claim the following additional benefits under Unified Pension Scheme (UPS), over and above the NPS benefits already claimed," the finance ministry said in a statement on Friday, May 30, 2025.
What Are the Additional Benefits?
Eligible retirees will receive a lump sum amount equivalent to one-tenth of their last drawn basic pay plus applicable dearness allowance (DA) for every completed six months of qualifying service.
Monthly Top-Up Pension
A monthly top-up will be calculated based on the UPS payout combined with dearness relief (DR), after deducting the representative annuity amount already received under NPS.
How to Claim the Benefits?
Physical Mode:
Form B2 for the subscriber
Form B4/B6 for the legally wedded spouse
Forms can be downloaded from: www.npscra.nsdl.co.in/ups.php
Online Mode:
Visit the same website and fill out the online form for quick processing.
Important Deadline
The last date to claim the UPS benefits is June 30, 2025. Applicants are advised to apply well before the deadline to avoid last-minute issues.
Need Help?
For more information, join the official webinar hosted by PFRDA at:
https://www.pfrda.org.in/index.cshtml
Or call the UPS Help Desk (Toll-Free) at 1800 571 2930.
The Cabinet in August 2024 approved the Unified Pension Scheme (UPS), for an assured pension post-retirement. The UPS has been implemented from April 1, 2025. The move comes after the long-pending demand of the central government employees to reform the new pension scheme (NPS).
It is the latest pension scheme for government employees. Under the UPS, there will be a provision of a fixed assured pension, unlike the New Pension Scheme (NPS) which does not promise a fixed pension amount.
Under the Unified Pension Scheme, the assured payout will be calculated based on the last 12-month salary, months of qualified service, and retirement corpus.
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