Unified Pension Scheme (UPS) Calculator | fdcalculator.co.in
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Unified Pension Scheme (UPS) Calculator

Calculate your pension benefits under India's newly launched UPS

Government of India Scheme
Minimum ₹15,000 as per UPS rules
10-20% of basic salary
10-14% as per UPS rules
Conservative estimate: 7-9%

Your UPS Pension Projection

Estimated Monthly Pension

₹15,750

Total Contributions

₹10,80,000

Lump Sum Amount

₹5,40,000

Years of Contribution

30 Years

Estimated Corpus

₹32,15,000

Key Features of Unified Pension Scheme

For Employees
  • 10-20% of basic salary contribution
  • Guaranteed minimum pension
  • Tax benefits under Section 80C
  • Portable across jobs
For Employers
  • 10-14% matching contribution
  • Tax deductible expense
  • Auto-enrollment facility
  • Centralized administration

UPS vs NPS vs EPS

Feature Unified Pension Scheme NPS EPS
Contribution 10-20% (Employee) + 10-14% (Employer) 10% (Employee) + 10% (Employer) 12% (Employer only)
Pension Amount 50% of last drawn salary Market-linked Fixed formula
Withdrawal 60% lump sum, 40% annuity 60% lump sum, 40% annuity No lump sum
Taxation EET (Exempt-Exempt-Taxed) EET EEE

How to Use This Calculator

  1. Select your category (Employee/Employer)
  2. Enter your basic salary and age
  3. Adjust contribution percentage if needed
  4. View your projected pension amounts
  5. Compare with other pension schemes
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