Rules, Rights & Rites -101
I usually post all important items related to official rulings, union news, and other general matters on my YouTube channels: Yourskayveeyes (English) and Anbudan Kayveeyes (Tamil).
However, due to the recent spate of orders and the high volume of information being received, I have not been able to convert every item into a video. Therefore, I am introducing these new slots to post current matters and updates that have not yet been published on YouTube. This ensures you stay informed on every detail, even if a video hasn't been made yet …………….Kayveeyes
Central Civil Service (Implementation of the Unified Pension Scheme under National Pension System) Rules, 2025
• The Central Civil Service (Implementation of the Unified Pension Scheme under National Pension System) Rules, 2025 came into force on the date of their publication in the official gazette.
• A government servant in service on April 1, 2025, who is covered by the National Pension System (NPS), must apply to the Head of Office for enrolment in the UPS within three months from that date.
• A government servant who joins service on or after April 1, 2025, has the option to enroll directly in the UPS from the date of joining. The application must be submitted within three working days of taking charge.
• The application is processed through the Head of Office, Drawing and Disbursing Officer (DDO), and Pay and Accounts Officer (PAO) before being forwarded to the Central Recordkeeping Agency (CRA).
• If a government servant fails to exercise the option within the prescribed time, it will be assumed that they have opted to be covered under the National Pension System without the UPS option.
• The option, once chosen, is final.
• The UPS is a defined contribution scheme.
• Subscribers must contribute 10% of their emoluments or another percentage notified by the Authority.
• The Government will also contribute 10% of the government servant's emoluments or another notified percentage each month.
• Emoluments for mandatory contributions include basic pay, non-practice allowance for medical officers, and dearness allowance.
• Contributions are rounded up to the nearest rupee.
• The DDO is responsible for deducting the contribution and sending the bill to the PAO or CDDO by the 20th of each month.
• The PAO or CDDO must remit the contributions to the Trustee Bank through the Accredited Bank by the last working day of each month.
• In cases of delayed contributions not caused by the subscriber, the amount will be credited to their individual corpus as if it had been deposited on time.
• If the delay is due to an administrative lapse, the defaulting officer(s) will be liable to pay the government for any financial loss incurred.
• A subscriber who retires on superannuation is entitled to benefits as per the Pension Fund Regulatory and Development Authority (Operationalisation of Unified Pension Scheme under National Pension System) Regulations, 2025.
• A subscriber who has completed twenty years of regular service may retire by giving three months' notice.
• A government servant who has opted for the Unified Pension Scheme and has completed ten years of qualifying service will be entitled to an assured payout at the time of retirement.
• The assured payout is calculated based on the notional emoluments from the last ten months of service.
• The subscriber can opt to commute a portion of their assured payout up to 40%.
• If the individual corpus of the subscriber is equal to or less than 5 lakh rupees, they are entitled to a lump-sum payment of the entire corpus in lieu of an assured payout.
• Every government servant covered by the UPS must, within thirty days of joining service, use Form 1 to choose whether to receive benefits under the UPS, the Central Civil Services (Pension) Rules, 2021, or the Central Civil Services (Extraordinary Pension) Rules, 2023, in the event of death, invalidation, or disablement.
• If a subscriber dies while in service, their family will receive benefits in accordance with the option exercised under rule 10.
• If benefits are payable under the Central Civil Services (Extraordinary Pension) Rules, 2023, or the Central Civil Services (Pension) Rules, 2021, the government's contribution and returns will be transferred to a government account.
• If a government servant dies in service after completing one year of qualifying service, their family will be eligible for a family payout.
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