New Delhi: November’s almost over, and the clock’s ticking for a bunch of important deadlines if you’re a central government employee, pensioner, or taxpayer. One big one: the Finance Ministry has pushed the deadline to opt into the Unified Pension Scheme (UPS) all the way to November 30, 2025. That gives employees a lot more time to switch from the old National Pension System (NPS) into the UPS, which is supposed to be more structured. Here’s how it works: you put in 10 percent of your basic pay and dearness allowance, and the government chips in 18.5 percent.

It’s a big shift from the old pension scheme, which just gave you half your last drawn basic pay—no contributions needed. Even though there’s an extension, don’t sit on it. Choosing the right pension plan really shapes your financ

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