IAS Officers in Madhya Pradesh Choose Between NPS and UPFS Pension Schemes

In Madhya Pradesh, a clear division is emerging among Indian Administrative Service (IAS) officers regarding pension schemes. After the government set the final deadline of 30th November 2025 for choosing a scheme, 256 officers opted for the National Pension System (NPS), while 103 officers chose the Unified Pension Fund Scheme (UPFS). The government also clarified that officers who do not select an option by the deadline will automatically be enrolled in NPS.

Special DG Anil Kumar noted that officers choosing UPFS will receive 50% of their final salary as pension. Officers with less than 33 years of service and longer life expectancy mostly chose UPFS, while those with more than 33 years of service found NPS more suitable. In cases where both spouses are IAS officers, many couples opted for one in NPS and the other in UPFS.

Difference Between NPS and UPFS

NPS (National Pension System)

• Employee contributes 10% and government contributes 14%.
• For an officer with ₹50,000 salary, approximately ₹12,000 is deposited each month.
• After 33 years of service, the fund can reach around ₹3 crore.
• Full pension is not guaranteed at retirement—only based on annuity.
• Less clarity on pension payout after death.

UPFS (Unified Pension Fund Scheme)

• Both employee and government contribute 10% each.
• Interest of 8.5% directly goes to the pension pool.
• After retirement, 50% of final salary is received as permanent pension.
• No ambiguity in case of death; dependents receive full benefits.