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Pension & Retirement Advisory Desk

Pension & Retirement Advisory Desk is a specialized editorial research unit at GST Munshi comprising Chartered Accountants, tax litigators, commercial bankers, and policy analysts dedicated to verifying Indian statutory circulars (CBIC, CBDT, RBI, IRDAI, and Ministry Gazettes) into actionable guides.

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Unified Pension Scheme (UPS) vs OPS vs NPS: Formula & Comparison Guide — Government Schemes & Welfare

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Government Schemes & Welfare•Pension Framework

Unified Pension Scheme (UPS) vs OPS vs NPS: Formula & Comparison Guide

Pension & Retirement Advisory Desk-Sep 19, 2026•15 min read•22.5K views

Comprehensive comparison of the Unified Pension Scheme (UPS), Old Pension Scheme (OPS), and National Pension System (NPS). Understand the 50% assured pension formula, 25-year service benchmark, 60% family pension, employee 10% vs Govt 18.5% contribution, and Dearness Relief (DR) indexation.

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