Under the Unified Pension Scheme (UP

The Unified Pension Scheme (UPS) was notified for central government employees as an option under NPS and came into effect on 1 April 2025. An employee with at least 25 years of qualifying service gets an assured pension of 50% of the average basic pay drawn over the last 12 months before superannuation. For service between 10 and 25 years, the payout is proportionate, and there is a minimum assured pension of ₹10,000 per month for at least 10 years of service. Option (a) is a trap because the calculation uses the 12-month average, not the last drawn pay. Option (d) is also a trap because ₹10,000 is only the minimum payout.