FAQs related to Contributions under UPS – Monthly Contribution, migration from NPS to UPS etc.
(CGA, DoE, MoF O.M. No. TA-3-07001/3/2025-TA-CGA/e-19475/341 dated 17.09.2025)
FAQs related to Contributions under UPS
23. How much is monthly contribution under UPS?
The monthly contribution of 10% of (basic pay + DA) by the employee along with a matching contribution by the employer, shall be credited to each employee’s PRAN through the concerned nodal office.
Further, an estimated 8.5% contribution towards Pool Corpus shall be paid by Central Government, on aggregate basis.
24. What will happen to my existing corpus on migration from NPS to UPS?
On migration from NPS to UPS, the corpus of the subscriber will get transferred to the PRAN tagged to UPS.
25. On migration from NPS to UPS, whether new PRAN will be issued?
On migration from NPS to UPS, the subscriber shall be identified by the erstwhile PRAN tagged to UPS.
26. What is Individual Corpus and Benchmark Corpus?
Individual Corpus means the value of corpus available in the PRAN of a subscriber under UPS.
Benchmark Corpus is a notional value computed by CRA for comparison with individual corpus. It is based on NAV of the default investment. (For more details, Regulation 12 and Illustrations in Schedules to the Regulations, may be referred).
27. What are the timelines to be followed by the govt nodal offices for processing and remittance of contributions under UPS?
| Particulars | TATs |
|---|---|
| DDO shall deduct the contribution from the salary of the Central Government employee and send the bill to the PAO or Cheque Drawing and Disbursing Officer (CDDO) as the case maybe along with the details of contribution deducted in respect of each UPS Subscriber | on or before the twentieth (20th) day of each month. |
| The PAO or the CDDO as the case may be shall prepare and upload a Subscriber Contribution File (SCF) and generate transaction ID in the system of the CRA | on or before the twenty fifth (25th) day of each month. |
| The PAO or the CDDO as the case may be, shall remit the employee contribution and matching co-contribution by the Central Government to the trustee bank through the accredited bank | by the last working day of each month.
for the month of March, shall be remitted on the first (1st) working day of the month of April. |
| First contribution of a newly recruited Central Government employee shall be credited to the individual PRAN | within twenty (20) days from the date of submission of application or by the last date of the month in which the Central Government employee joined whichever is later. |
28. What is Pool Corpus under UPS?
The government contributes an estimated 8.5% towards a Pool Corpus based on aggregate employee data.
The Pool Corpus shall comprise of: –
-
- additional Central Government contribution at an estimated eight and half percent of Basic Pay (including non-practicing allowance, wherever applicable) plus Dearness Allowance, on aggregate basis of all employees who have chosen the UPS option;
- transfer of balance from the individual corpus of a subscriber as per regulation 19 (3); and
- any other contribution defined by the Central Government.
29. How is the Pool Corpus managed?
The Pool Corpus shall be allocated to such pension fund(s) as determined by the Central Government, who shall invest the funds in accordance with the investment pattern and related aspects thereto, as approved by the Central Government.
Other FAQs
- Frequently Asked Questions (FAQs) – Unified Pension Scheme (UPS)
- FAQs related to Investment of Contributions
- FAQs related to Benefits under UPS
- FAQs related to Benefits under UPS in case of death or invalidation or disability of subscriber during service / Resignation from the service
- FAQs on Effect of Disciplinary or Judicial Proceedings on Benefits under UPS
- FAQs related to operational issues on Payment of Benefits under UPS
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