UPS vs NPS vs OPS Pension Calculator (Unified Pension Scheme 2026 Comparison)
Compare guaranteed monthly pension and retirement corpus across UPS (Unified Pension Scheme 50% assured), NPS (Market-linked), and OPS (Old Pension Scheme) for govt employees.
Pension Schemes & Service Length Benchmarks
Click any pension scheme or service period to compare monthly assured payouts, DR indexing, and lump-sum exits.
Unified Pension Scheme (UPS)
Guaranteed 50% pension after 25 years service + 18.5% Govt share
Old Pension Scheme (OPS)
Zero employee deduction + GPF savings + Assured half-pay pension
National Pension System (NPS)
Market-linked returns with 10% employee + 14% govt contribution
Full 25 Years Service Benchmark
Standard qualifying benchmark for full 50% assured pension
Minimum 10 Years Service Prorated
Guaranteed minimum pension for early voluntary retirement
Frequently Asked Questions on UPS vs NPS vs OPS
1. How is the guaranteed monthly pension calculated under UPS (Unified Pension Scheme)?
Under UPS, employees with a minimum of 25 years of qualifying service are assured 50% of the average basic pay drawn during the last 12 months before retirement, indexed to Dearness Relief (DR).
2. What is the primary difference between UPS, NPS, and OPS?
OPS offers a guaranteed 50% pension with zero employee deductions. NPS is market-linked (10% employee + 14% govt). UPS combines both: a 10% employee contribution with an 18.5% govt share while guaranteeing a fixed 50% pension + DR.
3. What is the minimum pension guaranteed under UPS for shorter service periods?
For service between 10 and 25 years, proportionate pension is provided with a guaranteed minimum floor of ₹10,000 per month.
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