UPS vs NPS calculator
Enter your basic pay, service and years to retirement. See UPS's assured payout and lump sum next to what NPS could give.
- PFRDA rules
- Payout and lump sum
- Free, no sign-up
The tax side of your choice
UPS and NPS payouts are taxed differently at retirement. Our experts help you see the full picture.
Questions people often ask
Is the UPS monthly payout taxable?
Yes, as income, like a pension.
Is NPS's 60% lump sum tax-free?
Yes, up to 60% of the corpus at exit.
Two kinds of pension
Assured or market-linked.
- UPS: 50% of average basic pay, plus a lump sum.
- NPS: a corpus, with 60% as a lump sum and 40% for a pension.
- Compare the payouts and lump sums.
Last reviewed 9 October 2026. The rules in this calculator come from these official sources.
- Unified Pension Scheme Pension Fund Regulatory and Development Authority
Common questions
What does UPS pay?
An assured payout of 50% of your average basic pay over the last 12 months, after at least 25 years of service; proportionately less for 10 to 25 years; at least ₹10,000 a month after 10 years.
Is there a lump sum under UPS?
Yes: one-tenth of your monthly basic pay plus DA for every completed six months of service, paid at retirement.
What does NPS pay?
Your corpus at retirement: up to 60% as a tax-free lump sum, and at least 40% buys an annuity that pays a monthly pension.
Which is better?
UPS gives a predictable payout that rises with dearness relief; NPS can give a larger lump sum if markets do well. It depends on your service, pay and how much certainty you want.
Can I switch back?
No. Choosing UPS is final.
