UPS vs NPS vs OPS Retirement, Gratuity & Leave Encashment Suite
Compare Unified Pension Scheme (50% assured pension), NPS market corpus, Gratuity (₹25L limit) & 300-day EL Encashment
+ Dearness Relief (DR) twice a year
Est. @ 6.5% annuity on 40% corpus (9.5% CAGR)
Gratuity + 300-Day EL Encashment Total
MACP / Promotion Pay Fixation Calculator (FR 22(I)(a)(1))
UPS vs NPS vs OPS: pension, gratuity and leave encashment
Central government employees who joined on or after 1 January 2004 are covered by the National Pension System (NPS), and from 1 April 2025 can opt for the Unified Pension Scheme (UPS), which offers an assured pension of 50% of the average basic pay of the last 12 months after 25 years of qualifying service. Employees who joined earlier remain under the Old Pension Scheme (OPS).
Enter your qualifying service, earned leave balance and pay basis (7th or projected 8th CPC) to compare your estimated monthly pension under UPS and NPS, along with retirement gratuity, leave encashment (up to 300 days) and OPS commutation.
The MACP / promotion pay fixation calculator applies FR 22(I)(a)(1): one notional increment in your current level, then placement in the next-higher cell of the new level.
Frequently asked questions
What is the Unified Pension Scheme (UPS)?
UPS is an option for central government employees under NPS, available from 1 April 2025. After 25 years of qualifying service it gives an assured pension of 50% of the average basic pay of the last 12 months, proportionately less for 10 to 25 years, with a minimum of ₹10,000 a month.
Which is better, UPS or NPS?
UPS gives a guaranteed pension linked to your last pay; NPS pension depends on market returns on your corpus. Use the comparison above with your own service and pay to see the estimated difference.
What is the maximum gratuity for central government employees?
Retirement gratuity is one-quarter of basic pay plus DA for each completed six-monthly period of service, up to 16.5 times emoluments, subject to the ceiling of ₹25 lakh.