Before the introduction of the NPS in 2004, all government employees were covered under the Old Pension Scheme ( OPS ). The OPS provided a guaranteed pension amount for government employees with at least ten years of service based on the last basic salary they received and the years of service. Old Pension Scheme ( OPS ): The Old Pension Scheme ( OPS ), which has been in place for decades, provides a guaranteed pension based on the final salary and years of service. While it offers stability, it is increasingly seen as unsustainable due to the financial burden it places on government resources. Compare UPS, NPS, and OPS schemes in India for 2025. Get insights on benefits, eligibility, returns, and which pension plan suits your long-term financial goals. Pension schemes are integral to the financial security of central government employees after retirement. Over the years, there has been a significant shift in the pension system, transitioning from the Old Pension Scheme ( OPS ) to the New Pension Scheme (NPS).
