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UPS vs NPS vs OPS - Find out which is better for you, which pension scheme to choose to receive retirement benefits from, and which scheme provides a better pension amount. 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. NPS vs UPS: What you need to know about these pension schemes in India Learn how to apply for the pension schemes in India, especially the NPS and UPS. Understand what they are and how to secure ... UPS is for Central Government employees only. Opting into UPS, by stopping NPS, is a choice for the employee from 1st April 2025 onwards. An employee can choose to remain in NPS if they prefer. The last point, since UPS is opt-in while NPS is mandatory, requires some calculation to determine if UPS is better than NPS.
