UPS vs NPS vs Old Pension: What Each One Actually Pays You

UPS pays an assured 50% of last 12 months' average basic pay after 25 years of service

NPS pays nothing fixed — your pension depends on market returns and annuity rates at 60

OPS is closed for central recruits since 2004; only a few states still offer it

Govt puts 18.5% into UPS vs 14% into NPS; both take 10% from your salary

From 1 April 2026, UPS gets the same 60% tax-free lump sum as NPS

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