On 2-9-2025, the Ministry of Personnel, Public Grievances and Pensions notified the Central Civil Services (Implementation of the Unified Pension Scheme under the National Pension System) Rules, 2025 to regulate the methods of implementation of Unified Pension Scheme as an option under the National Pension System for the employees of the Central Government who are covered under the National Pension System. The provision came into force on 2-9-2025.
All you need to know:
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Who can apply:
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Central Government employees in service as of 1-4-2025;
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Retired employees (before 31-3-2025) with at least 10 years of service, who were not retire because of penalty and the legally wedded spouse if the employees are deceased.
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Enrolment under the Unified Pension Scheme under the National Pension Scheme:
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Existing employees as on 1-4-2025 will have to submit the application to the Head Office concerned in Form A-2 of the Pension Fund Regulatory and Development Authority (Operationalization of Unified Pension Scheme under National Pension System) Regulations, 2025 by 30-6-2025.
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New recruits can apply within 30 days from the date of joining in Form A-1.
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The retired personnel or their spouses can apply in Form B-2/ B-6.
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Contribution by the subscriber (employee) to the Unified Pension Scheme:
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Contribution to be made- 10% into individual corpus every month or such other percentage as may be notified from time to time.
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Contribution to be made during the period of suspension–
✓ This will be determined based on the emoluments which the subscriber becomes entitled to for the period of suspension.
✓ The difference of the amount of contribution to be deposited and the amount of contribution already deposited during the period of suspension, will be credited to the individual corpus of the subscriber valued on the net asset value of the default pattern and corresponding units on last working day of the month in which contributions have to be adjusted.
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In case of absence from duty, no contribution has to be made.
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In the case of transfer on deputation to a department/ organization of the Central/ State Government, the subscriber is liable to contribute.
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Contributions in respect of any arrears of salary received by the subscriber due to retrospective increase will be treated as the contributions for the month in which the payments are made.
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In case of probation, the subscriber will continue to contribute.
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Contribution by the Government:
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Contribution to be made- 10% or such other percentage as may be notified from time to time.
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Government will also not make any contribution for the time when the subscriber is not required to make contributions.
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In case of suspension of the subscriber, the Government will make contributions on the basis of the emoluments determined by taking into account the subsistence allowance paid to the subscriber during the period of such suspension.
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The Government will make contributions to the individual corpus during foreign service in India or outside India including deputation to:
✓ United Nations’ Secretariat or other United Nations’ bodies;
✓ International Monetary Fund;
✓ International Bank of Reconstruction and Development;
✓ Asian Development Bank;
✓ Commonwealth Secretariat;
✓ or any other international organization.
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Switch Facility:
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Employee who has opted Unified Pension Scheme will have a onetime switch facility option for reverting to the National Pension System:
✓ Within 12 months prior to the date of superannuation;
✓ 3 months prior to the deemed date of voluntary retirement;
✓ At the time of resignation/ compulsory retirement which is not treated as penalty.
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No switch facility to National Pension System will be available in the cases of removal/ dismissal/ compulsory retirement from service as a penalty.
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In case the employee does not opt for the switch facility then the employee will be governed under the provisions of Unified Pension Scheme.
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Under the National Pension scheme, the government will contribute 14%.
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