The Government of Jammu and Kashmir has recently taken an important step toward securing the retirement future of All India Services (AIS) officers by implementing the Unified Pension Scheme (UPS) under NPS. This move comes as a significant reform in the pension structure for government officials, aiming to offer uniformity, predictability, and better retirement planning.
A circular issued by the Directorate of Accounts & Treasuries, Finance Department, J&K, has set the tone for this transformation. The notification dated 23-06-2025 directs all Treasury Officers and Drawing & Disbursing Officers (DDOs) to collect physical forms from AIS officers who wish to opt for the Unified Pension Scheme (UPS) under NPS. The forms must then be submitted within two days to ensure timely implementation before the June 30, 2025 deadline.
Unified Pension Scheme (UPS) under NPS – What It Means for AIS Officers
The Government of Jammu and Kashmir has recently taken an important step toward securing the retirement future of All India Services (AIS) officers by implementing the Unified Pension Scheme (UPS) under NPS. This move comes as a significant reform in the pension structure for government officials, aiming to offer uniformity, predictability, and better retirement planning.
A circular issued by the Directorate of Accounts & Treasuries, Finance Department, J&K, has set the tone for this transformation. The notification dated 23-06-2025 directs all Treasury Officers and Drawing & Disbursing Officers (DDOs) to collect physical forms from AIS officers who wish to opt for the Unified Pension Scheme (UPS) under NPS. The forms must then be submitted within two days to ensure timely implementation before the June 30, 2025 deadline.
This blog will explain what the Unified Pension Scheme (UPS) under NPS is, how AIS officers can benefit from it, and what steps they must take to enroll in the scheme. Let's dive deep into the details.
📌 What is the Unified Pension Scheme (UPS) under NPS?
The Unified Pension Scheme (UPS) under NPS is a structured retirement plan designed to streamline and unify the pension benefits of All India Services officers. Traditionally, AIS officers were enrolled under the National Pension System (NPS), which is a contributory pension model. However, with varying terms and benefit structures, there was a growing demand for a more consistent and predictable pension policy.
The Unified Pension Scheme addresses this issue by offering a clear framework with uniform benefits, making retirement planning more effective for AIS officers. This scheme not only ensures consistent pension rules across services but also simplifies the migration process from NPS to UPS.
✅ Who Can Opt for the Unified Pension Scheme (UPS) under NPS?
All India Services officers working in Jammu and Kashmir are eligible to opt for the Unified Pension Scheme (UPS) under NPS. This includes both newly recruited officers and those already serving under the NPS.
There are two scenarios under which an officer may join the scheme:
1. New Recruits – Officers joining AIS service post-implementation of the UPS can directly register under the scheme using Form A1.
2. Existing NPS Members – Officers already under the NPS framework can migrate to the new UPS by filling out Form A2.
This opportunity is especially critical because it allows existing officers to switch to a more defined and secure pension model.
📄 Required Forms: A1 and A2
To ensure a smooth transition, two specific forms have been introduced:
- Form A1 – For new AIS recruits who wish to register directly under the Unified Pension Scheme (UPS) under NPS.
- Form A2 – For current AIS officers who want to migrate from the existing NPS to the UPS.
Both forms are mandatory and must be submitted in physical format. Additionally, officers must ensure that scanned copies are emailed to the Directorate at dgat-nps@jk.gov.in for record-keeping and tracking.
⏰ Important Deadline: June 30, 2025
One of the most crucial aspects of this notification is the deadline. Officers have until June 30, 2025, to exercise their option to join the Unified Pension Scheme (UPS) under NPS. Treasury Officers and DDOs are directed to collect the forms immediately and ensure their submission to the Directorate within two working days of collection.
Delay or failure to submit the forms within the stipulated time could result in the officer continuing under the old NPS structure without the benefits of the new scheme.
🏢 Responsibilities of Treasury Officers & DDOs
To facilitate the implementation of the Unified Pension Scheme (UPS) under NPS, all Treasury Officers and DDOs are instructed to:
- Collect duly filled Form A1 or A2 from AIS officers.
- Verify the information provided and guide officers on proper documentation.
- Submit the hard copies to the Directorate of Accounts & Treasuries, J&K.
- Email scanned copies to the official ID: dgat-nps@jk.gov.in
Their proactive role is essential to ensure timely submission and reduce last-minute hurdles.
🎯 Benefits of Unified Pension Scheme (UPS) under NPS
The Unified Pension Scheme (UPS) under NPS brings with it a host of benefits, particularly aimed at improving transparency, reliability, and long-term financial security:
1. Uniform Benefits Across AIS Cadre
All officers will receive similar pension entitlements, removing confusion and inequality that existed under the older frameworks.
2. Predictable Retirement Planning
Unlike the NPS, where market fluctuations can affect returns, the UPS introduces more stable and predictable benefits.
3. Simplified Documentation
With standardized forms and centralised submission, the process becomes more efficient and transparent.
4. Secure Future
By offering clarity in pension provisions, the scheme ensures peace of mind and better post-retirement life planning for AIS officers.
📌 How to Access Forms and Apply
AIS officers can obtain Form A1 and Form A2 from:
- Their respective Treasury or DDO offices.
- The official website of the Directorate of Accounts & Treasuries: www.jkdat.jk.gov.in
Ensure that all required information is filled accurately. Attach any supporting documents as required and submit them as per the guidelines.
📢 Final Takeaway
The Unified Pension Scheme (UPS) under NPS is a landmark reform for AIS officers, especially those serving in the Union Territory of Jammu and Kashmir. It simplifies the pension structure, offers stability, and ensures that all officers enjoy uniform benefits after retirement.
If you are an AIS officer, this is the right time to act. The deadline of June 30, 2025, is approaching fast. Collect your form, fill it out carefully, and ensure its submission to your DDO or Treasury Officer without delay.
By opting into the Unified Pension Scheme (UPS) under NPS, you're taking a major step toward securing a well-structured and dignified retirement.
For more information, visit the official website: www.jkdat.jk.gov.in or contact your treasury office.
