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CATEGORY 04 · PENSION

Unified Pension Scheme (UPS)

Assured pension, family payout, contribution structure and lump-sum benefit

  1. The PDF refers to the Railway Services (Implementation of the Unified Pension Scheme) Rules, 2026 and RBE No. 75/2026.
  2. It states an assured monthly pension of 50% of the average Basic Pay drawn during the final 12 months, subject to 25 years of qualifying service.
  3. For 20–25 years of service, it states a pro-rata assured pension. It also states a minimum pension of ₹10,000 per month for at least 10 years of regular service.
  4. It states family payout of 60% of the employee's admissible pension to the surviving spouse, with Dearness Relief indexation.
  5. It describes employee contribution as 10% of emoluments (Basic + DA) and Government allocation as 18.5%: 10% to the individual corpus and 8.5% to a central pool corpus.
  6. It states a lump-sum benefit at superannuation or approved VRS of 1/10th of monthly pay (Basic + DA) for every 6 completed months of qualifying service, independent of the assured pension.

Source: Railway_Master_Pension_Guide_OPS_NPS_UPS.pdf, pages 1–2. This reflects the uploaded PDF and is not an independent verification of current rules.