Check whether UPS or NPS is better for your retirement. Calculate your pension and lumpsum instantly with our completely free UPS & NPS Calculator. Fill the values below and the pension values and comparison will be automatically updated. Your basic salary at retirement would be ₹1,93,484. Compare the features, benefits, and drawbacks of the Unified Pension Scheme (UPS), National Pension System (NPS), and Old Pension Scheme (OPS) in India. Learn how UPS offers assured payouts, NPS offers market-linked returns, and OPS offers fixed pensions. The Unified Pension Scheme is the new retirement scheme effective April 1, 2025. It is for central government employees. If you're currently under NPS, you’ll have the option to shift to this new plan. Compare NPS vs UPS to understand which retirement plan offers better benefits in 2025. Explore key differences, eligibility, and advantages to make an informed decision for your future.
