Haryana Unified Pension Scheme (UPS): Complete Guide and Calculator

Every clause of the 2 July 2025 UPS notification for Haryana NPS employees in plain words: who can opt, the assured payout, family payout, lump sum, corpus rules and the Annexure-I examples, with a payout calculator.

If you joined Haryana Government service on or after 1 January 2006, you are under the National Pension System, not the old pension. In July 2025 the Finance Department gave you one more choice on top of NPS: the Unified Pension Scheme. This page explains every clause of the notification in plain words, with the formula, the lump sum table and the worked examples, and the calculator below lets you test your own numbers.

UPS payout calculator

The eight example buttons fill in the figures from Annexure-I of the notification and give exactly the payouts printed there: Rs 22,500, 13,500, 10,000, 8,800, 20,250, 18,000, 22,500 and 21,375. The calculator is an estimate. The benchmark corpus is fixed by PFRDA, not by you.

What was notified, and when

• Notification No. 1/23/2024-1Pension(FD) dated 2 July 2025, issued under the proviso to article 309 of the Constitution and published in the Haryana Government e-Gazette on 8 July 2025.
• Covering memo with the same number, dated 23 July 2025, sent by the Additional Chief Secretary, Finance Department, to all Heads of Department, Commissioners, Deputy Commissioners and SDOs (Civil).
• Effective date: 1 August 2025. This is the date the option became available. It is not the date any pension starts, because UPS pays only when you retire.

It covers Government of Haryana employees who are under NPS under the earlier notifications of 28 October 2005 and 18 August 2008, and who choose UPS. The memo says the decision for Boards, Corporations, PSUs and State Universities will be taken later, so for now treat the scheme as applying to Government departments only.

UPS does not replace your NPS account. You keep your PRAN and the contributions keep going into a fund. What changes is the promise at the end: instead of whatever the market gives you, you get an assured monthly payout worked out from your pay and your service. To pay for that promise the scheme keeps two pots, an individual corpus and a pool corpus, explained below. Para 15 says the fund is run under regulations made by PFRDA, the pension regulator, and many details such as the benchmark corpus and the default investment pattern are left to it.

Who can opt for UPS

Two questions decide whether UPS is open to you: whether you are under NPS, and how your service will end.

Which employees can choose it (para 2 and 3)

Existing NPS employees, those in service on 1 August 2025, and future NPS employees who join after that date. Either group can pick one of two paths: take UPS under NPS, or stay on NPS without UPS. If you do nothing, you stay on plain NPS.

When the assured payout is available (para 2(i))

• Superannuation after 10 years of qualifying service. You retire at the normal age and have at least ten years of qualifying service. The payout starts from the date of superannuation.
• Retirement under rule 144 of the Haryana Civil Services (General) Rules, 2016, the rule under which the Government can retire an employee, for example in the public interest. The payout starts from the date of that retirement.

The ten-year condition is spelled out for superannuation. For rule 144 retirement the notification speaks only of the retirement itself, while the lump sum note says UPS does not apply below 10 years. If your case is near this line, ask your DDO how it is being read.

When UPS is not available (para 2(ii))

The assured payout is not available if you are removed, dismissed or resign. The notification says in those cases the UPS option shall not apply. It does not say what happens instead, so your NPS account would be handled under the NPS rules for that kind of exit.

The assured payout: 50%, 25 years and Rs 10,000

Para 2(iii) gives three rules, and Annexure-I gives the formula that ties them together.

• Full payout. 50% of the average basic pay of the twelve months before superannuation, paid in full after at least 25 years (300 months) of qualifying service. With an average basic of Rs 45,000, half is Rs 22,500.
• Shorter service. A proportionate payout: service in months divided by 300. With 15 years (180 months) you get 180/300, or 60% of the full amount.
• Minimum. If you retire after ten years or more, you are assured of at least Rs 10,000 a month.

The formula

Assured payout = (P / 2) x (Q / 300) x (IC / BC)

• P is the average basic pay of the last 12 months.
• Q is qualifying service in months.
• IC is the value of your individual corpus at retirement.
• BC is your benchmark corpus.

Two conditions apply. If Q is more than 300, take it as 300, so service beyond 25 years does not raise the monthly payout. And if (P / 2) x (Q / 300) comes out below Rs 10,000, take it as Rs 10,000. The IC / BC part only bites when your corpus is smaller than the benchmark and you do not make up the gap. When the corpus is equal or higher, the ratio counts as 1.

The pay figure is an average of twelve months, not the last month's pay, so an increment or promotion in your final year moves it only partly. For medical officers, basic pay includes non-practising allowance.

Family payout and dearness relief

If you die after retirement while receiving the assured payout, your spouse gets a family payout of 60% of the payout you were getting immediately before your death. With Rs 22,500, that is Rs 13,500 a month plus dearness relief.

The spouse must be the legally wedded husband or wife on the date of your superannuation, or on the date of your rule 144 retirement. A person you marry after retiring does not qualify under this clause, so keep your marriage proof and service record updated. The text covers death after retirement only. What happens to the family if the employee dies in service is not dealt with in this notification, so ask your DDO how that case is handled for NPS employees.

Dearness relief (DR) is available on both the assured payout and the family payout, and it is worked out the same way as dearness allowance for serving employees: when the Government raises DA, DR follows. It is payable only once the payout has started. Every figure in the annexure is written as "Rs X plus applicable Dearness Relief".

Lump sum on retirement

On retirement you get a one-time payment of 10% of your monthly emoluments (basic pay plus dearness allowance) for every completed six months of qualifying service. The notification says it does not affect the quantum of the assured payout, so taking it does not cut your monthly amount.

Lump sum = (1/10 x monthly emoluments) x L, where L is the number of completed six-month periods. Only completed blocks count: with 19 years and 5 months you have 38 full blocks and the leftover five months do not count.

The annexure takes basic pay Rs 45,000 and DA at 53% (Rs 23,850), so emoluments are Rs 68,850 and one-tenth is Rs 6,885.

Notice that the lump sum keeps rising after 25 years, unlike the monthly payout, which stops at 300 months. The note under the table says no lump sum is payable if service is under 10 years (under 120 months of contribution), because UPS does not apply in that case. The DA rate on your retirement date matters, since emoluments include DA.

Individual corpus and pool corpus

Under UPS your pension money sits in two separate pots (para 2(vii)).

• Individual corpus is your own pot. It holds your contribution and the matching Government contribution. Both are 10% of (basic pay + DA): the employee pays 10% and the Government adds a matching 10% to the same account. With basic plus DA of Rs 60,000 a month, Rs 6,000 comes from your pay and Rs 6,000 from the Government.
• Pool corpus is a common pot built by an additional Government contribution, estimated at 8.5% of (basic pay + DA) of all employees who chose UPS. It is paid in "on an aggregate basis", one total for the group and not a figure credited to each person, and it exists to pay the assured payouts. The word "estimated" matters: 8.5% is a working estimate, not a permanent rate.

Para 10 calls UPS a fund-based pension system. The promise of an assured payout is only as good as the fund behind it, so it relies on regular and timely accumulation and investment of contributions from both sides. If contributions are missed or late, the benchmark and the payout both feel it. Check your pay slip that the 10% recovery is on basic pay plus DA, that the Government's 10% is deposited every month, and that you receive the periodic statement of your corpus.

Investment choice and the default pattern

You can choose how money is invested only in the individual corpus, within the options set by PFRDA (para 2(x)). PFRDA may define a "default pattern" from time to time, and if you make no choice, the default applies automatically. Most employees will end up on the default simply by not touching the setting.

The pool corpus is different: investment decisions rest solely with the Government of Haryana (para 2(xi)). Your choice in the individual corpus does not change it.

The default matters even if you choose differently, because the benchmark corpus is worked out as if your contributions had been invested in the default pattern. If you stay on the default, your corpus and the benchmark move together. If you choose something else, they can drift apart: do better than the default and your corpus ends up above the benchmark, do worse and it ends up below. Para 6 says you will be told the value of your individual corpus and of your benchmark corpus periodically. Keep both statements, because the gap between them is the figure that can cut your payout or give you extra money. This is an explanation of the rule, not investment advice.

Benchmark corpus and the transfer at retirement

The benchmark corpus (para 5) is a yardstick PFRDA works out for each UPS employee. It answers the question: what would this employee's corpus be if everything had gone by the book? It assumes regular receipt of both contributions for every month of qualifying service, an appropriate value for any missing contributions, and investment in the default pattern.

At retirement (para 8) you authorise a transfer from your individual corpus to the pool corpus equal to the benchmark corpus. Three outcomes:

If you do not make up a gap, para 9 says the payout is proportionate. That is the IC / BC factor in the formula. Partial withdrawals matter too: the benchmark is worked out as if no withdrawal had been made, so a withdrawal you never put back shows up as a shortfall and lowers the payout. The rules for withdrawal sit with NPS and PFRDA and are not listed in this notification. The Rs 10,000 minimum protects you only when the full benchmark has been moved to the pool.

Qualifying service and basic pay

At superannuation or retirement, the Head of Office where you work determines your qualifying service under UPS (para 7). It is not worked out by the NPS system on its own. The annexures count it in months. Full payout needs 300 months, the minimum needs 120 months, and the lump sum counts only completed six-month blocks, so a few months can move the figures: 299 months gives 299/300 of the full payout, and 119 months leaves you outside UPS altogether. Check your date of joining and any breaks in service in the service book well before retirement.

For basic pay: the assured payout uses the average basic pay of the last twelve months; the lump sum uses monthly emoluments, which is basic pay plus DA; the 10% contributions are on basic pay plus DA. The notification adds an explanation that basic pay includes non-practising allowance for medical officers. Other allowances such as HRA or conveyance allowance are not part of basic pay.

How to opt: the Annexure-II form

You opt by submitting the UPS Subscriber Migration Form (Annexure-II), written for a Government sector employee already on NPS. Your part is a short declaration: your name, your parent's name, your PRAN and the date you became a subscriber, that you have read and understood the notification, that you exercise the option, that the option is final and irrevocable, and that you authorise the CRA, the NPS Trust or any body connected with UPS to collect and share the data needed for the scheme. You sign, or give a thumb impression (left thumb for men, right thumb for women).

The DDO fills and certifies a box based on service records: employee code, date of commencement of qualifying service, current month basic pay, NPA if applicable, and the scheduled date of the next increment. The DDO and then the PAO sign with their registration numbers. The signed copy stays in your service record and a copy is given to you. The DDO enters the verified data in the Central Record Keeping System and the PAO approves your option there.

Once you exercise the option, your outstanding NPS corpus in your PRAN is transferred to your individual corpus under UPS (para 4). You do not start from zero, and your 10% plus the Government's 10% carry on from there.

The option is final

Para 3 says that if you choose UPS, all its stipulations and conditions are deemed opted for and the option, once exercised, shall be final. The form repeats it in your own words. The notification does not say you can go back to plain NPS later. It does say that if you do not choose UPS you stay on NPS, so declining needs no form.

Para 11 adds, for the sake of clarity, that an employee who has chosen UPS cannot claim any other policy concession, policy change, financial benefit or parity with subsequent retirees, later or after retirement. If the Government improves terms for another group, you cannot ask for the same on the strength of having chosen UPS earlier.

Questions to answer before you sign: How many months of qualifying service will I have, and is it close to the 120 or 300 month lines? Will I retire by superannuation or rule 144 retirement? Do my NPS statements show complete credits? Will I choose my own investments or stay on the default? Who depends on my pension, and is my present spouse the one who would receive the 60% family payout? Is there any disciplinary matter pending? This page explains the clauses, it does not tell you which scheme is better, because that depends on your service length, pay, family and how things turn out.

Past retirees and disciplinary cases

UPS applies, with the changes needed, to NPS employees who retired before 1 August 2025 (paras 2(xii) and 12). They are to be paid arrears for the past period with interest at Public Provident Fund rates, and a monthly top-up that PFRDA will determine, after adjusting the withdrawals they made from their NPS corpus and the annuities already paid to them. The exact mechanism is not in the notification.

For employees facing disciplinary proceedings at the time of superannuation, or where proceedings are contemplated after retirement, para 13 says the provisions will be separately notified. So today there is no rule on whether the payout is withheld or reduced while a case is pending. If you are in this position, ask the Finance Department through your DDO for the latest instruction. Employees removed or dismissed are not covered by para 13: para 2(ii) says UPS does not apply to them.

UPS and NPS side by side

This table uses only what the Haryana notification says. Where it is silent about NPS, the cell says so. It is a reading aid, not advice on which to choose.

What is fixed by the notification: the 50% rule, the 25-year and 10-year lines, the Rs 10,000 floor, the 60% family share, the lump sum formula and the DR treatment. What still depends on the fund: your payout is multiplied by IC / BC. What is decided later: the benchmark method, the default investment pattern, the past retirees' top-up and the disciplinary case rules, all left to PFRDA or future notifications.

The Annexure-I worked examples

Common assumptions: P is Rs 45,000, so P / 2 is Rs 22,500. Unless stated, contributions were credited regularly, the employee used the default pattern and made no partial withdrawal. DR is added on top of every figure.

What the pattern shows: the monthly payout never goes above the full assured payout, a bigger corpus is returned to you rather than added to the payout, a shorter corpus lowers the payout in proportion unless you top it up, and the Rs 10,000 floor helps only when the corpus is complete. Scenario 3 gives Rs 10,000 because the full benchmark moved to the pool, while scenario 3(a), with the same service but a short corpus, gives Rs 8,800.

This page explains the gazette notification and is not an official source. Check anything you rely on against the notification on finhry.gov.in and your DDO's instructions. Related: Haryana DA rate list and calculator, medical reimbursement, transfer policy 2026.

Frequently asked questions

Last reviewed 24 October 2026. An independent guide, not an official Government of Haryana website. Always rely on the latest official notification.