95% Sarkari Employees Ne Guaranteed Pension Kyun Thukrayi? NPS vs UPS

The central government gave 23 lakh employees a guaranteed pension option (UPS). By the deadline, only 1,22,123 took it: about 5 in 100. Why did the other 95 say no? Do they know something you don't, or did they never choose at all? If you are preparing for a sarkari job, you will face this choice within 30 days of joining. This video explains OPS, NPS and UPS in simple numbers, the 4 reasons people said no, the joining rules (choose nothing = NPS), and 3 questions to decide for your own age and service. Chapters 0:00 Only 5 in 100 chose UPS 1:02 From OPS to NPS: how NPS pension works 2:06 What UPS gives you 3:47 Why 95 said no: 4 reasons 5:04 Two courses (links in the pinned comment) 5:32 Joining day: the 30-day rule 6:14 How to decide: 3 questions 7:18 The twist 7:59 Start on selection day These are central government rules. States have their own: some brought back the old pension, some are on NPS. If you are in a state job, check your state's rule. Sources - UPS approved, 23 lakh central employees, 50% / 60% / ₹10,000 (PIB, Cabinet decision, 24 Aug 2024): https://www.pib.gov.in/PressReleaseIframePage.aspx?PRID=2048607 - PFRDA (Operationalisation of UPS under NPS) Regulations, 2025, in force 1 Apr 2025: https://www.pib.gov.in/PressReleaseIframePage.aspx?PRID=2113486 - PFRDA UPS page and FAQs (contributions, lump sum, new joiners): https://pfrda.org.in/schemes/national-pension-system/unified-pension-scheme - One-time, one-way switch from UPS to NPS (CCS UPS Rules, 2025): https://www.pib.gov.in/PressReleasePage.aspx?PRID=2163760 - NPS tax benefits apply to UPS: https://www.pib.gov.in/PressReleasePage.aspx?PRID=2142136 - 1,22,123 employees opted for UPS as of 30 Nov 2025 (Finance Ministry reply in Parliament): https://www.freepressjournal.in/business/122-lakh-central-government-employees-elect-unified-pension-scheme-one-time-switch-back-to-nps-allowed - Govt NPS contribution raised from 10% to 14% from 1 Apr 2019 (Ministry of Finance): https://www.npscra.nsdl.co.in/download/ministry/NPS%20Changes_10122018.pdf The ₹1 crore NPS example and the ₹2.5 lakh UPS example are illustrations, not quotes. Annuity rates change. SIMPLE SARKARI: 7 videos, Hindi. Motivation nahi, decision. Plan A aur Plan B, 3-Attempt Rule, aur switch kab karna hai. Lifetime access. 👉 https://anuragpanda.graphy.com/courses/Sarkari-Blueprint-6a896b411e2581541f8081e1 SIMPLE Fitness: 4 days a week, built around a sarkari job. 👉 https://anuragpanda.graphy.com/courses/simple-by-anurag-6a52647aa168eddb399882c6 Music: Epidemic Sound (Question Mark, Pattern View, Liminal, Leave and Return) #NPS #UPS #SarkariNaukri