Section 13 of The Unified Pension Scheme
13. Eligibility to receive Benefits. – (1) Subject to the conditions specified, UPS benefits shall be available only in the
following cases:
(a)In case of an employee superannuating after qualifying service of ten years, from the date of superannuation.
(b)In case of Central Government retiring an employee under the provisions of Fundamental Rule 56 (j) (which is not a
penalty under Central Civil Services (Classification, Control and Appeal) Rules, 1965) from the date of such retirement.
(c)In case of voluntary retirement after a minimum qualifying service period of twenty-five years, from the date such
employee would have superannuated, if the service period had continued to superannuation.
(2) Notwithstanding enrolment of an employee in the UPS option under NPS, such option shall cease to apply in case of
a UPS Subscriber who has been removed or dismissed from service or who has resigned his services.
Explanation: For the purpose of benefits under these regulations, qualifying service shall be the completed months for
which UPS subscriber has rendered regular services under the Central Government, to be determined by the Head of
Office, where such subscriber was employed at the time of superannuation or retirement, as the case may be, taking into
account the following:
(i) (a) In respect of a Central Government employee covered under clause (i) and clause (iii) of sub-regulation (1) of
regulation 3, qualifying service shall commence on such date from which such person was eligible to be enrolled under
NPS in Central Government;
(b) In respect of new recruits covered under clause (ii) of sub-regulation (1) of regulation 3, qualifying service shall
commence on such date from which such person is eligible to be enrolled under UPS.
(ii) The end date of qualifying service in respect of persons covered under sub-clause(a) and (b) of clause(i) of this
explanation shall be the date of superannuation or retirement, as the case may be.
(iii) In case of unauthorised absence from service, the qualifying service shall not include the entire past period of service
including the period of such unauthorised absence, if the same is not condoned by the competent authority.
Provided that where any unauthorised absence is condoned by the competent authority, entire past period of service shall
be counted towards qualifying service except the period of such unauthorised absence which shall not be counted. Provided further that where any unauthorised absence is regularised by the competent authority through leave due and
admissible to such employee, the entire past period and such regularised leave period shall be counted.
(iv) The qualifying service shall not include any period spent by an employee on deputation or foreign service for which
applicable contribution has not been received under the individual corpus and the pool corpus. The applicable contribution
share shall be calculated in such manner as may be determined by the Authority in consultation with Central Government.
(v) The qualifying service shall include the time passed by a Government employee under suspension pending inquiry
into his conduct where, on conclusion of such inquiry, he has been fully exonerated or only a minor penalty is imposed
and the suspension is held to be wholly unjustified. In cases not covered above, the period of suspension shall not count
unless the authority competent to pass orders under the service rules governing such cases expressly declares at the time
that it shall count to such extent as the competent authority may declare. In all cases of suspension, the competent authority
shall pass an order specifying the extent to which, if any, the period of suspension shall count as qualifying service and a
definite entry shall be made in the service book of the Government employee in this regard.
(vi) In case of extraordinary leave other than extraordinary leave granted on medical certificate, the appointing authority
may, at the time of granting such leave, allow the period of that leave to count as qualifying service if such leave is granted
to a Government employee – (i) due to his inability to join or re-join duty on account of civil commotion; or (ii) for
prosecuting higher scientific and technical studies.
Provided that in the case of extraordinary leave other than extraordinary leave granted on medical certificate and
extraordinary leave allowed to be counted as qualifying service under clause (v) above, at the time of grant of such leave,
a definite entry shall be made in the service book of the Government employee to the effect that the period of extraordinary
leave shall not be treated as qualifying service and such an entry in the service book, if not made at the time of grant of
extraordinary leave, can be made subsequently but not later than six months before the date of retirement of the
Government employee on superannuation and if no such entry is made in the service book, the period of extraordinary
leave shall be treated as qualifying service.
The illustrative examples on computation of qualifying service are provided under Schedule IV.
Section 14 of The Unified Pension Scheme
14. Lumpsum Payment. -(1) A UPS Subscriber shall be entitled to lumpsum payment equivalent to one-tenth of last
drawn basic pay(including non-practising allowance, if applicable) and dearness allowance thereon, as on the date of
superannuation or voluntary retirement or retirement under Fundamental Rules 56(j) (which is not treated as penalty under
Central Civil Services (Classification, Control and Appeal) Rules, 1965), as may be applicable, for each completed six
months of qualifying service as certified by Head of Office.
(2) The lumpsum amount shall be calculated based on the following formula:
Lumpsum Payment = (E/10) x L
Where;
Emoluments (E) = {Basic Pay (including non-practising allowance, if applicable) + Dearness Allowance} on
the date of superannuation or voluntary retirement or retirement under Fundamental Rules 56(j) (which is not
treated as penalty under Central Civil Services (Classification, Control and Appeal) Rules, 1965), as may be
applicable
Length of service (L) = number of completed six months of qualifying service as certified by Head of Office
Explanation: For the purpose of calculation of every completed six months of qualifying service, any period less than six
months shall not be taken into account.
(3) This Lumpsum Payment shall be in addition to the assured payout payable to the UPS subscriber and shall not affect
the quantum of assured payout and shall be payable upon superannuation or voluntary retirement or retirement under
Fundamental Rules 56(j) (which is not treated as penalty under Central Civil Services (Classification, Control and Appeal)
Rules, 1965), as may be applicable.
Section 15 of The Unified Pension Scheme
15. Payout under UPS. -(1) Payout shall be computed and payable as applicable, in the following manner:
(i) Assured payout: Assured payout shall be payable at fifty-percent. of the average of the last twelve months Basic Pay
(as certified by Head of Office) immediately prior to the date of superannuation or voluntary retirement or retirement
under Fundamental Rules 56(j) (which is not treated as penalty under Central Civil Services (Classification, Control and
Appeal) Rules, 1965), as may be applicable, subject to completion of minimum twenty-five years of qualifying services
by a UPS subscriber, computed as per regulation 13.The formula for calculating assured payout is as under:
Assured Payout (A) = (½ of P) x (Q/300)
Where:
P = average of Basic Pay for last twelve months, as certified by the Head of Office, from the date of superannuation
or voluntary retirement or retirement under Fundamental Rules 56(j) (which is not treated as penalty
under Central Civil Services (Classification, Control and Appeal) Rules, 1965), as may be applicable
Q = months of qualifying service as certified by the Head of Office
(Provided where Q is –
Less than 120, UPS shall not be applicable
More than 300, then Q shall be taken as 300)
(ii) Minimum Guaranteed Payout: The minimum guaranteed payout under UPS shall be Rupees Ten Thousand per
month subject to completion of minimum ten years of qualifying services by a UPS subscriber. The formula for calculation
of Minimum guaranteed payout:
If (½ of P) x (Q/300) < 10,000, and:
Q is more than or equal to 120
Then Minimum guaranteed payout shall be Rs. 10,000/-
(iii) Proportionate Payout: In case of Qualifying service period of ten years or more, but less than twenty-five years,
proportionate payout shall be payable.
(iv) Admissible Payout: Assured payout shall be proportionately reduced in any or both of the following cases –
(a) Individual corpus is less than the benchmark corpus as on the date of superannuation or voluntary retirement or
retirement under Fundamental Rules 56(j) (which is not treated as penalty under Central Civil Services (Classification,
Control and Appeal) Rules, 1965), as may be applicable;
(b) Final withdrawal not exceeding sixty percent. of the individual corpus, as opted by a subscriber.
The assured payout so proportionately reduced shall be payable as admissible payout. The formula for calculating
admissible payout is as under:
Admissible Payout = Assured Payout x IC/BC x (1-FW%)
Where,
IC= value of Individual Corpus
BC= value of Benchmark Corpus
with condition of IC ≤ BC
FW= Final withdrawal in percentage points (maximum upto sixty percent of Individual Corpus or Benchmark Corpus,
whichever is lower). Provided that if the individual corpus is less than benchmark corpus, UPS Subscriber shall have a choice to replenish the
shortfall at any point of time before or on superannuation or voluntary retirement or retirement under Fundamental Rules
56(j) (which is not treated as penalty under Central Civil Services (Classification, Control and Appeal) Rules, 1965), as
may be applicable.
Illustrative examples as to working of admissible payout under different scenarios are provided under Schedule V. (2) Final Withdrawal Percentage:(i) UPS Subscriber or the legally wedded spouse, as the case may be, shall also have
an option to withdraw an amount not exceeding sixty percent. of the individual corpus or benchmark corpus, whichever
is lower, available in the PRAN tagged to UPS as on the date of superannuation or voluntary retirement or retirement
under Fundamental Rules 56(j) (which is not treated as penalty under Central Civil Services (Classification, Control and
Appeal) Rules, 1965), as may be applicable, subject to proportionate reduction in the assured payout payable to such UPS
Subscriber.
Provided that in case the individual corpus is more than the benchmark corpus as on the date of superannuation or
voluntary retirement or retirement under Fundamental Rules 56(j) (which is not treated as penalty under Central Civil
Services (Classification, Control and Appeal) Rules, 1965), as may be applicable, the final withdrawal amount shall be
calculated on the benchmark Corpus and the excess amount in the individual corpus shall be credited to the designated
bank account of the UPS Subscriber.
(ii) Such final withdrawal shall be admissible on the date of superannuation or voluntary retirement or retirement under
Fundamental Rules 56(j) (which is not treated as penalty under Central Civil Services (Classification, Control and Appeal)
Rules, 1965), as may be applicable.
Section 16 of The Unified Pension Scheme
16. Family Payout. – (1) Upon demise of a UPS Subscriber who was receiving admissible payout, as the case may be,
the legally wedded spouse of such deceased subscriber shall receive for life, family pay out of sixty percent. of the amount
of the admissible payout drawn by the subscriber immediately prior to the demise.
(2) In case of a deceased Central Government employee under NPS who has superannuated or retired on or before 31st
March 2025, and was eligible to receive benefits under UPS, the legally wedded spouse, upon submission of claim and
authorisation thereof, shall receive the difference of sixty percent. of the admissible payout payable to such UPS
Subscriber and sixty percent. of representative annuity amount, as family payout after the date of demise, besides
following benefits that shall become vested in the deceased employee, on the date of superannuation or retirement under
Fundamental Rules 56(j) (which is not treated as penalty under Central Civil Services (Classification, Control and Appeal)
Rules, 1965), as may be applicable, until the date of demise and be payable to the legally wedded spouse:
(i) lumpsum payment payable to such deceased employee;
(ii) monthly top-up amount payable to such deceased employee after the date of superannuation or retirement, until the
date of demise;
(iii) applicable dearness relief; and
(iv) simple interest as per applicable Public Provident Fund rates on arrears with respect to above benefits for the past
period, which interest shall become due from the following month after superannuation or retirement up to the month
preceding the submission of claim Forms.
Provided that no interest shall be payable where the UPS option form is submitted beyond the stipulated time period, for
the period of such delay.
Section 17 of The Unified Pension Scheme
17. Dearness Relief. – Dearness Relief as declared by the Central Government from time to time, shall be payable on the
admissible payout and family payout, as the case may be. Dearness Relief shall be payable only when admissible payout
commences.