Hurry! 4 Days Left to Deadline to Switch from NPS to UPS

The Government of India has introduced a one-time, one-way migration facility for central government employees who had previously opted for the Unified Pension Scheme (UPS), allowing them to switch back to the National Pension System (NPS).

In an official notification, the Ministry of Finance announced that the last date for eligible employees and retired personnel currently under UPS to opt for NPS is September 30, 2025. After this deadline, employees who decide to remain under NPS will not be allowed to migrate to UPS under any circumstances.

Key Guidelines for Switching from UPS to NPS

The Finance Ministry has outlined specific conditions for availing the switch:

• Eligible employees are allowed to exercise this option only once. Once moved to NPS, they cannot revert to UPS.
• The switch must be made at least one year prior to the date of superannuation, or at least three months before the date of voluntary retirement, whichever is earlier.
• The switch facility is not available to employees who are facing disciplinary action or have such proceedings pending or contemplated. Have been removed, dismissed, or compulsorily retired as a penalty.
• Employees who do not opt for the switch by the deadline will continue under UPS by default.

How to Apply Online for Switching from UPS to NPS?

Eligible subscribers can apply through the online portal by following these steps:

• Visit the eNPS website.
• Click on the “NPS to UPS Migration under the Unified Pension Scheme” option.
• Enter your PRAN (Permanent Retirement Account Number) and Date of Birth, solve the captcha, and click Verify PRAN.
• An OTP (One-Time Password) will be sent to your registered mobile number or email ID (as per CRA records).
• Enter the OTP in the designated field to proceed.
• Declaration & e-Sign through Aadhar OTP
• Once verified successfully, your request will be recorded, and an acknowledgement number will be generated for future reference.

Also Read: Last 7 Days to Switch from NPS to UPS: Check Key FAQs from Eligibility to Important Deadline

Employees are advised to initiate their switch well in advance and ensure that their contact details (mobile number/email) are updated in the Central Recordkeeping Agency (CRA) system.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.