Terms of the offer
UPS vs NPS: Government employees now have until September 30 to choose between the New Pension System (NPS) and the Unified Pension Scheme (UPS), with clarification that both offer similar tax ... UPS vs NPS: The UPS is a mix of the salient features of the OPS and the NPS. It’s a mix of a defined benefit and a defined contribution scheme, but unlike the OPS, the UPS is contributory... 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. Guaranteed Pension OPS > UPS > NPS OPS offers fixed pension; UPS has a minimum guarantee. Higher Returns NPS (if markets perform well) Market-linked returns can be higher than fixed pensions. Low Risk OPS > UPS > NPS OPS is fully government-backed; UPS has partial assurance. Tax Benefits NPS Additional tax deductions under Section 80CCD (1B).
