Central & State Govt UPS, NPS vs OPS Pension Calculator 2026

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.

UPS 50% ASSURED PENSION ELIGIBLE
UPS Assured Monthly Pension (Basic + DR)
₹ 49,725 / mo
Basic Pension: ₹32,500 + DR (53%): ₹17,225
1. UPS (Unified Pension Scheme): ₹ 49,725 / mo (Guaranteed)
2. OPS (Old Pension Scheme): ₹ 49,725 / mo + Zero deduction
3. NPS (Estimated Annuity): ~₹ 36,000 / mo + 60% Corpus
UPS Additional Lump Sum on Exit: ₹ 5,56,920 (1/10th Pay per 6m)
🏛️ Official 2025/2026 Union Cabinet UPS Notification formula applied.

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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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