There has been a big change since 1 May 2025 for millions of pension in India. The government has implemented new rules in many major pension schemes, which will directly benefit the elderly, widows, disabled and government employees.
The main objective of these changes is to increase the economic security of pensioners, to give relief from the impact of inflation and make the pension process transparent. Now the pension amount has increased a huge increase and the application process has also been made easier.
In this article, we will know in detail that what are the New Pension Rules 2025, which schemes have been changed, which people will get benefit, and what will be the process of application. Also, we will also explain that what are the changes in Unified Pension Scheme (UPS), Employees’ Pension Scheme (EPS-95), Atal Pension Yojana (APY), Pradhan Mantri Vaya Vandana Yojana (PMVVY) etc. You will get all the necessary information in easy language, so that you or your family pensioners can take the right decisions.
New Pension Rules 2025 – Overview Table
| Name of Plan / Scheme | Applied date | Beneficiary class | Minimum pension amount (₹) | Main changes / benefits | Application process | other conditions |
| Employees Pension Scheme (EPS-95) | 1 May 2025 | Private sector employee | 7,500 | Minimum pension 7,500, bank payment | online offline | 10 years service required |
| Integrated pension scheme (UPS) | 1 April 2025 | Central government employee | 10,000 | 50% pension of basic salary, 25 years service | online offline | 50% pension on 25 years service |
| Older, widow, disabled pension scheme | 1 May 2025 | 60+ old, widow, disabled | 3,000-10,000 | The amount increased, pension not closed on remarriage | online offline | Annual income limit 1 lakh |
| Atal Pension Scheme (APY) | 1 May 2025 | Inconsistent | 6,500 | Maximum slab 6,500, 30% increase | online offline | 18-40 age limit |
| PM Vaya Vandana Yojana (PMVVY) | 1 May 2025 | 60+ senior citizens | 12,000 | 20% pension hike, payment from DBT | online offline | Via lic |
| State Government Pension (East: UP) | 1 May 2025 | State employee | 22,500 | 15% pension hike, payment from DBT | online offline | Eligibility as per state |
New Pension Scheme came into force from 1 May 2025 – Main Highlights
The government has taken several major decisions to directly benefit pensioners, making changes in pension schemes. Now the pension amount has been increased in other schemes including EPS-95, UPS, APY, PMVVY. The biggest change is in EPS-95, where the minimum pension has been increased from ₹ 1,000 to ₹ 7,500. Under Unified Pension Scheme (UPS), central government employees will now be able to get 50% of their last 12 months average basic salary, provided they have completed 25 years of service.
Under the New Pension Rules 2025, the amount has also been increased to ₹ 10,000 in the old, widow and disabled pension scheme. In addition, the application process has been made easier through both online and offline mediums. In all the schemes, the pension amount will be sent directly to the bank account through Direct Benefit Transfer (DBT).
Changes in EPS-95 pension scheme
- The minimum pension amount has been reduced to ₹ 7,500, earlier only ₹ 1,000.
- Pensioners will now get the facility to receive payment through any bank branch.
- Special pension benefits will be available in the event of disability.
- Partial pension option at the age of 50, while 58 years of age is required for full pension.
- The family will get the benefit of family pension after the death of the pensioner.
Integrated Pension Scheme (UPS) – for government employees
- UPS has come into force from 1 April 2025.
- Under the UPS, the employee who has completed 25 years of service will get 50% guaranteed pension of the last 12 -month average basic salary.
- 10 to 25 years of service people will get proportional pension.
- The minimum pension has been fixed at ₹ 10,000 per month.
- It is not possible to return to NPS after choosing UPS.
- Provision of family pension – After the death of the pensioner, the family will get 60% pension.
Change in old age, widow and disabled pension scheme
- The pension amount has been fixed ₹ 3,000 to ₹ 10,000 (according to the category).
- Beneficiaries: 60+ old, 18+ widow women, 18+ disabled.
- The annual income limit is ₹ 1,00,000.
- Widow’s pension will not be closed on remarriage.
- The minimum disability was 40% (earlier 60%).
- Documents required for application: Aadhaar, bank account, income proof, disability certificate.
- The payment will be from Direct Benefit Transfer (DBT).
Changes in Atal Pension Yojana (APY) and PMVVY
- The maximum pension slab in Atal Pension Yojana has been increased to ₹ 6,500, ie 30% increase.
- The maximum pension in PMVVY will now get ₹ 12,000, which was earlier ₹ 10,000.
- Payment will be received through DBT in both schemes.
- APY can apply 18-40 years old, while PMVVY has 60+ senior citizens.
Pension Rules 2025 – Eligibility and Application Process
- EPS-95: 10 years’ minimum service must be registered under EPFO.
- UPS: Central government employees, at least 10 years of service, 50% pension on 25 years.
- Older, widow, disabled: Age limit and annual income limit is necessary.
- APY/PMVVY: Age limit and other conditions apply.
- Application Process: Both online and offline options are open for all schemes.
- Documents: Aadhaar card, bank account, service proof, income proof, disability proof (where necessary).
New Pension Rules 2025 – The main advantages
- Huge increase in pension amount-EPS-95 increase by 650%.
- DBT in all schemes – money directly in bank account.
- Application process easy – both online and offline.
- Family Pension – Family benefits after the death of pensioner.
- Pension according to inflation – pension will increase according to inflation.
- Promotion to Digital India – Aadhaar based payment system.
Important dates for pensioners
- 1 May 2025-EPS-95, APY, PMVVY, older/widow/disabled pension scheme implemented new rule.
- 1 April 2025 – Apply unified pension scheme (UPS).
- 31 January 2025-EPS-95 Last date for high pension application.
- 1 January 2025 – CPPS applied, pension will be available from any bank branch.
Frequently asked questions (FAQ)
Q1. What is the minimum pension in EPS-95?
A1. The minimum pension in EPS-95 is now ₹ 7,500 per month.
Q2. For whom is UPS?
A2. The UPS is for central government employees who are in NPS and choose UPS.
Q3. What is the maximum amount in old age, widow, disabled pension?
A3. A maximum of ₹ 10,000 per month can be available according to the category.
Q4. How to apply for pension?
A4. All schemes can be applied for both online and offline medium.
Q5. Who will get a family pension?
A5. After the death of the pensioner, the family will get up to 60% pension (under UPS).
Impact of new pension rules – Impact on pensioners
- Economic security: Due to increase in pension amount, the elderly, widows, disabled and employees will get financial security.
- Inflation relief: The effect of inflation will provide relief, as the pension has increased.
- Transparency: DBT and digital process will increase transparency.
- Facility: The application and payment process has become easier.
- Social security: Weak sections of society will get direct benefit.
Noted things
- After choosing UPS, NPS will not be able to return.
- Keep all the necessary documents ready for pension.
- Read the eligibility and conditions carefully.
- Do not miss the last date for application.
- Avoid any kind of disturbance or fraud.
Disclaimer:
This article is for information about the new pension rules to be implemented from 1 May 2025. The government has officially announced a change in pension schemes and these rules are real. However, some conditions or procedure may be different in different states, departments and schemes. Before applying, please check the complete information from the concerned department or official portal. Beware of any fake call, website or agent.
