UPS vs NPS Calculator
Central government employees in NPS can opt for the Unified Pension Scheme, which assures a pension linked to pay. This sets the UPS pension against an NPS projection for the same pay and service.
How to use this calculator
- Enter your basic pay — basic only, not DA — and the years to retirement.
- Enter the qualifying service you will have at retirement, and how fast you expect your basic to rise.
- Leave DA blank for the rate in force, or enter one.
- Enter the NPS return and annuity rate you want to assume, and calculate.
How it is calculated
The UPS pension is half of the average basic pay of your last twelve months at 25 years of qualifying service, reduced in proportion for shorter service, with a minimum pension once the minimum service is met. Basic pay is projected to your last year at the rise you give, because today’s pay is not what the pension is worked on.
UPS also pays a lump sum at retirement: a tenth of monthly pay plus DA for every completed six months of service.
The NPS figure projects contributions on basic plus DA, rising with pay, at the return you assume, and converts the annuity share into a pension.
A table shows the NPS return at which the two pensions are equal. Dearness relief on the UPS pension is not projected, and the choice between them is final.
Worked example
A basic of ₹44,900 rising 3% a year, 25 years to retirement and 25 years of service, with NPS at 9% and an annuity at 6%: the result compares the two pensions, gives the UPS lump sum, and shows the NPS return at which they cross.
Run this worked exampleRelated calculators
- NPS CalculatorYour NPS corpus at retirement with pay rising year by year, the lump sum you may withdraw, and the pension the rest buys.
- Old Pension Scheme CalculatorMonthly pension under the old defined-benefit scheme, pro-rated below full qualifying service.
- Qualifying Service Calculator for Pension and GratuityLength of service for pension and gratuity, in the six-monthly periods those rules count in.
- Pension Commutation CalculatorThe lump sum for commuting part of your pension, what it costs monthly, and when it is restored.
Where the jobs are
Indicative only. The official order or notification governs, and every figure should be checked against it before you act on it.