Old Pension Vs New Pension Vs Unified Pension scheme comparison

Old Pension Vs New Pension Vs Unified Pension scheme comparison chart

	Old Pension Scheme (OPS)	National Pension Scheme (NPS)	Unified Pension Scheme (UPS)
Guaranteed pension	Yes	No	Yes
Pension amount	50% of last drawn basic pay + DA	Market-linked, depends on fund performance	50% of average basic pay over the last 12 months
Government contribution	Not applicable	14% of basic pay + DA	18.5% of basic pay + DA
Employee contribution	Not applicable	10% of basic pay + DA	10% of basic pay + DA
Inflation protection	Yes	No	Yes
Lump sum payment	No	No	1/10th of the monthly pay (basic + DA) for every 6 months of service completed
Minimum pension*	₹9,000	No	10,000