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 |
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