Central Govt NPS Retirees Get Extra Benefits Under Unified Pension Scheme

Retired central government officials who are registered in the National Pension System (NPS) can now take advantage of the Unified Pension Scheme (UPS) in order to improve their retirement income. The UPS provides significant relief for retired ex-central government officials who have attained a minimum period of qualifying service of ten years and are suffering from the gap between their pensions under the current pension post retirement rates compared to traditional pension rates.
Retired central government officials who satisfy the eligibility criteria may apply for a pension top up which guarantees a minimum monthly pension of ₹10,000 rupees or 50% of their average basic pay, whichever is greater. The UPS is important to NPS retirees who experience a deficit in their pension income under NPS. The UPS may, at least, afford NPS retirees some measure of comfort in maintaining their post-retirement lifestyle.

Additionally, the Unified Pension Scheme provides a lump sum benefit and even interest on arrears at the PPF rate, making it a financially sound option. Spouses are also covered, offering pension eligibility for families in case of the pensioner's demise.

The government has established June 30, 2025, as the deadline for the submission of UPS Forms B2, B4, and B6 through the Drawing and Disbursing Official (DDO). The applicant may utilize either an online or offline submission method they wish to prioritize.

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