CCS (Implementation of Unified Pension Scheme under NPS) Rules, 2025
The Government of India has published the Central Civil Services (Implementation of Unified Pension Scheme under the National Pension System) Rules, 2025. These rules provide Central Government employees covered under NPS the option to adopt the Unified Pension Scheme (UPS). Below is a plain-language summary and the official download link.
Key Highlights
- Applicability: Applies to Central Government employees (including civilian Defence staff) appointed substantively on or after 1 January 2004 and covered under NPS. Exclusions include Railway servants, casual/daily-rated staff, contractual employees, members of All India Services, and others listed in the rules.
- Option to Enrol: Employees in service as on 1 April 2025 could opt for UPS by submitting the prescribed form within three months (or within any extended timeline permitted by the government).
- Contributions: The UPS is on a defined-contribution basis:
- Subscriber contribution: 10% of emoluments (basic pay + DA + applicable NPA).
- Government contribution: 10% of emoluments per month.
- Provisions exist for contributions during probation, deputation, foreign service, and certain leave conditions.
- Benefits: Benefits such as assured payouts at retirement, family payouts, and disability/invalidity provisions are governed by PFRDA regulations (Operationalisation of UPS under NPS Regulations, 2025).
- Switch Facility: A one-time switch back to NPS is allowed under specified conditions (e.g., not later than 12 months before superannuation). If switched back, the government contribution rate under NPS (14%) applies for future contributions.
- Retirement & Exit: - Full assured payout on superannuation; pro-rata assured payout for voluntary retirement before 25 years but after 20 years; lump-sum settlements on resignation or absorption depending on qualifying service.
- Safeguards & Administrative Rules: Rules provide timelines and procedures for enrolment, PRAN issuance, contribution remittance, and compensation for delayed credits. Disciplinary/judicial proceedings may affect the availability of assured payouts, though accumulated corpus rules apply.
Why this matters
The Unified Pension Scheme aims to combine the advantages of a stable, assured payout with the investment-linked structure of NPS. It offers eligible Central Government employees clearer options and mechanisms for post-retirement income stability while keeping modern recordkeeping (PRAN) and fund management in place.
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