By Sheetal Kumari | March 3, 2025
Moneycontrol PF Team| July 29, 2025
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Govt extends NPS-to-UPS switch deadline to 30 Sept 2025 for eligible employees & retirees.
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UPS offers a guaranteed monthly pension and lump sum benefits—unlike NPS, which is market-linked.
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In-service govt staff as of 1 April 2025, eligible retirees, and legally wedded spouses of deceased retirees.
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UPS guarantees fixed pension based on salary & service, while NPS returns depend on market performance.
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Failing to opt by 30 Sept 2025 means you’ll automatically continue with NPS—no second chances!
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Once you opt for UPS, the decision is final and irreversible—so decide wisely!
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Your existing NPS funds will be shifted to a UPS-tagged PRAN account—no money lost, just transferred.
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Choosing UPS is optional—stick with NPS if you prefer market-based growth over fixed returns.
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Employees joining after April 1, 2025 have 30 days from joining to make the UPS switch.
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Apply online via eNPS portal or submit an offline request through your nodal office
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