Despite the sweetening of the guaranteed Unified Penson Scheme (UPS) and two extensions to the central government staff to switch from the market-linked National Pension System ( NPS ), only a little over 1,00,000 or 4% of the 2.5 million central government staff have exercised the UPS option so far.

This reflects the challenges to convince the staff about the scheme, which was launched with much expectations and demand from some sections for guaranteed pension.

The UPS option was made available to the government staff from April 1, 2025, with a June 30 deadline for adoption, which was later extended to September 30 and November 30.

According to the breakdown of UPS enrolment available till October 14, 2025, 38,569 civil employees have opted for UPS, followed by railways (23,529), Pos

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