Unified Pension Scheme will start from April 2025: A Big news is coming out for the central employees. The central government has finally passed a proposal to implement the new pension scheme after a long debate.  An integrated pension scheme is going to be implemented across the country from 1 April 2025 which is called a Unified pension scheme. This UPS scheme is being launched as an alternative to the new pension system of the national pension system. That is, all the employees who are beneficiaries of the National Pension Scheme can now opt for this Unified Pension Scheme.

As we all know, the central government provides pension facilities to employees. This pension facility meets their economic needs after the retirement of employees. In such a situation, the central government conducts this pension scheme only to provide financial security to each employee after retirement and a new Unified Pension Scheme is going to be launched from 1 April 2025 under this pension scheme.  The main objective of the Unified Pension Scheme is to provide an economic facility to government employees so that they can live a worry -free life after retirement.

Unified Pension Scheme will start from April 2025

 Tell me that the main objective of the Unified Pension Scheme is to provide guaranteed pension to employees. Under this UPS pension scheme, employees are provided a certain monthly income after retirement, which protects their future.

All the employees who were still getting the benefit of the pension scheme under the National Pension Scheme will now be able to choose the Unified Pension Scheme as an alternative.

 Under this pension scheme, employees are going to get many benefits to see which the government has already given assurance.

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Benefits from Unified Pension Scheme

• Central government employees will also be allowed to make additional payments under the Unified Pension Scheme under the Unified Pension Scheme.
• That is, now employees will be able to contribute 10% of dearness allowance along with their basic salary to this pension scheme.
• At the same time, the contribution of the government will now be 18.5% instead of 14%.
• Along with this, this pension will be calculated based on the average salary of 12 months before retirement.
•  12 months before retirement, 50% of the average salary of employees will be given as pension.
• Also, if the employee dies due to any reason in this pension scheme, then pension will be provided to the family of the deceased.

Unified Pension Yojana Eligibility 2025

To avail unified pension, the employee must ensure the following Unified Pension Yojana eligibility criteria:

• Only central employees will be included in this pension scheme.
•  This pension scheme will include employees who have taken advantage of the national pension system.
•  The employees who want to take advantage of this UPS under the national pension system will be included in this scheme, that is, there is no pressure on the employees.
• At the same time, 50% of the average salary will be given as pension to employees who have completed 25 years or more of services under this scheme.
• At the same time, employees who have served in the department for 10 years to 25 years will be given pension benefits as per the service years.

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Other essentials of the unified pension system

• Under the Unified Pension System, retired employees who were already under NPS will be paid the arrears with PPF interest rates.
• If the employees attending this scheme die due to any reason, then their family will be paid a 60% pension amount.
• Under this scheme, if employees retire after 10 years of service, then the minimum pension of the employee will be ₹ 10000 per month.
•  If an employee selects this pension scheme, he will not have the right to change the scheme.
•  Due to this pension scheme, more than 23 lakh central government employees are expected to benefit.
•  Currently, this pension scheme is being implemented only for central employees.
•  If the state government implements this pension scheme, then more than 90 lakh government employees across the country will get the benefit of this pension scheme.

Conclusion

Overall, all the central government employees who had been concerned about pension schemes for a long time, now they are going to get rid of their concerns because the central government is now going to implement a unified pension scheme under the new pension scheme, which will definitely benefit the central employees.