Implementation of Unified Pension Scheme (UPS) in Department of Posts

Government of India

Ministry of Communications

Department of Posts

Dak Bhawan, New Delhi – 110001

File No.: 8-1/PA-UPS/Implementation-2025/Part file – 6707 – 6863

Date: [Not explicitly mentioned, but referenced as per PFRDA notification dated 19th March 2025]

Office Memorandum (OM)

Subject: Implementation of Unified Pension Scheme (UPS) in Department of Posts-Reg.

Key Highlights:

Introduction of UPS:

• UPS is introduced as an optional scheme under NPS for Central Government employees.
• Notified by Ministry of Finance (F. No. FX-1/3/2024-PR dated 24/01/2025) and operationalized by PFRDA Regulations (19/03/2025).

Eligibility:

• Existing NPS employees (in service as on 01/04/2025).
• New recruits (joining on or after 01/04/2025).
• Retired employees (superannuated/retired before 31/03/2025) or their spouses.

Option Timelines:

• CategoryDeadlineExisting employees Within 3 months from 01/04/2025
• New recruits Within 30 days of joining
• Retired employees To be specified

Enrollment Process:

• Forms available online at Protean CRA from 01/04/2025.
• Physical submission also permitted.

Roles & Responsibilities:

• DDOs: Verify applications, deduct contributions (10% of basic pay + DA), and submit details to PAO by 20th of each month.
• PAOs: Upload Subscriber Contribution File (SCF) by 25th of each month; remit funds by month-end.

Fund Structure:

Individual Corpus:

• Employee contributes 10% of basic pay + DA.
• Matching contribution by Central Government.

Pool Corpus:

• Additional 8.5% of basic pay + DA from Central Government.
• Managed by pension funds as per PFRDA guidelines.

Critical Deadlines:

• March contributions must be remitted by first working day of April.
• New recruits’ first contribution within 20 days of joining or month-end (whichever is later).

Compliance & Monitoring:

• Strict adherence to timelines for fund transfers.
• SOP for migration available at NPS CRA UPS Portal.

Queries to be directed to Protean CRA:

Email: sunny@proteantech.in / shanksys@proteantech.in.

Distribution List:

Primary Addressees:

• All Chief Postmasters General (CPMsG).
• General Managers (PA&F), Directors of Accounts (Postal).

Copies to:

1. Senior officials (Secretary, DGPS, Members of Postal Board).
2. CGM (PLI/Parcel/CEPT), Sr. DDG (Vigilance), Director RAKNPA.
3. CEPT Mysuru for uploading on India Post website.

Authority:

(Issued with approval of Competent Authority)

Note:

• UPS is irrevocable once opted.
• Non-compliance may affect pension payouts.

Reference Documents:

PFRDA Regulations: Link.

SOP: Link.

Keywords:

Unified Pension Scheme (UPS)

NPS for Central Government employees

PFRDA Regulations 2025

Pension contribution guidelines

Download Order from CEPT