Rules, Rights & Rites -10 - One-Time Switch Option from UPS to NPS
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One-Time Switch Option from UPS to NPS
• The Department of Pension and Pensioners' Welfare has notified the Central Civil Services (Implementation of Unified Pension Scheme under the National Pension System) Rules, 2025.
• These rules govern the service-related matters of Central Government civil employees covered under the Unified Pension Scheme (UPS).
• Rule 11 of the 2025 Rules provides for a one-time and one-way switch facility to Central Government employees covered under the National Pension System (NPS) who had opted for the Unified Pension Scheme (UPS).
• A subscriber who enrolled under the UPS shall have a one-time switch facility option for reverting to the National Pension System.
• This switch can be exercised at any time during the service of the subscriber, but not later than:
• Twelve months prior to the date of superannuation.
• Three months prior to the deemed date of voluntary retirement.
• At the time of resignation or compulsory retirement under Fundamental Rule 56(j), which is not a penalty.
• The switch facility cannot be exercised in cases where departmental or judicial proceedings are pending or contemplated against the subscriber.
• No switch facility to NPS shall be available in cases of removal or dismissal or compulsory retirement from service as a penalty.
• If no option is exercised by the subscriber for switching over to the NPS within the stipulated time, the subscriber shall continue to be governed under the provisions of the UPS.
• The subscriber shall be eligible for the Central Government contribution at the rate of fourteen per cent, as available under the NPS.
• The additional four per cent contribution (for the period during which the subscriber was under UPS before the switch facility becomes effective) shall be computed on the default investment pattern, as notified by the Authority, and credited to the NPS Account of the subscriber.
• Future contributions of the Central Government, after the switch facility becomes effective, will be credited to the NPS account of the subscriber at the rate of fourteen per cent, as per the provisions of the CCS (Implementation of NPS) Rules, 2021, in the following month in which the switch facility has been exercised.
• The subscriber may also exercise investment choices for such future contributions.
• Provisions of the PFRDA (Exits and Withdrawals under the National Pension Regulations, 2015, shall apply. Such subscribers will not be eligible for assured payout and other benefits under the Unified Pension Scheme.
• All Ministries/Departments are requested to bring the above provisions to the notice of the personnel dealing with UPS/NPS matters of employees in the Ministry/Department and attached/subordinate offices thereunder, for strict implementation.
(DOP & PW OM No. 57/03/2022-P&PW(B)/8361(1) dated 29.10.2025)
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