Ayushman Bharat Card Download 2025: The Indian government’s Ayushman Bharat Card 2025 provides free treatment at impanelled hospitals. To apply online, visit pmjay.gov.in, check eligibility, fill out the form, and wait for approval. Download the card once approved and start claiming benefits. If there are errors, correct them on the official website.

The Ayushman Bharat Card launched by Prime Minister Narendra Modi provides health insurance of ₹5,00,000 to economically vulnerable individuals in India to help them with medical expenses. The scheme aims to alleviate the financial burden of costly treatments. New registrations are ongoing, and interested individuals can apply online. Complete details about the scheme, including eligibility criteria and application process, are provided in the article.

Ayushman Bharat Card Download 2025 Short Summary

Benefits of Ayushman Bharat Card 2025

The Ayushman Bharat Card 2025 Download Link is an essential resource for those seeking to benefit from the Pradhan Mantri Jan Arogya Yojana (PMJAY), a comprehensive health insurance scheme initiated by the Central Government aimed specifically at supporting the economically weaker sections of the country’s population. This well-structured scheme is designed to provide beneficiaries with free health insurance coverage of up to an impressive ₹ 5,00,000, ensuring that they receive the necessary medical attention without the burden of hefty expenses.

The benefits of the Ayushman Bharat Card in 2025 encompass a comprehensive range of features designed to improve healthcare access for individuals and families across the nation. One of the most significant advantages is the provision of health coverage, which ensures that a wide variety of medical expenses are taken care of without causing financial strain. Additionally, the card facilitates cashless treatment, allowing cardholders to receive necessary medical services without the immediate burden of upfront costs, thereby promoting timely access to care.

Moreover, the Ayushman Bharat Card offers coverage for pre-existing diseases, ensuring that individuals who have ongoing health conditions receive the support they need without exclusion. The card boasts a wide network of hospitals and healthcare facilities, making it easier for beneficiaries to find nearby providers and receive care conveniently. Notably, there is no cap on family size; families of any size can benefit, ensuring inclusivity for all.

Another remarkable feature is the absence of an upper limit on expenses, providing peace of mind to cardholders knowing that they can access necessary treatments without worrying about exceeding financial thresholds. The portability of the Ayushman Bharat Card allows beneficiaries to receive treatment across different states, enhancing accessibility for those who may travel for work or other reasons.

Additionally, the application process is entirely paperless, streamlining the experience for users and reducing the hassle often associated with traditional healthcare systems. Emergency services are also covered, ensuring that cardholders can access urgent care when needed most. Finally, the initiative promotes preventive health check-ups, encouraging individuals to prioritize their health through regular screenings and check-ups, ultimately fostering a healthier society overall.

Eligibility of Ayushman Bharat Card Scheme 2025

The Ayushman Card Scheme for the year 2025 presents an opportunity for eligible individuals and families to access essential healthcare benefits, and the process to apply is straightforward if you meet the necessary requirements. To successfully apply for the Ayushman Card, prospective applicants should carefully follow the clearly outlined steps provided below; if you confirm that you satisfy all the eligibility criteria, you can confidently proceed with your application.

Firstly, it is imperative to be an Indian citizen in order to qualify for the Ayushman Card, as this scheme is designed specifically to aid those who are in need within the nation. The primary beneficiaries of this scheme are citizens from economically weaker sections who fall under the Below Poverty Line (BPL) category, ensuring that assistance is directed towards those who require it the most.

Additionally, families that are recognized as being part of the social, economic, and caste census are eligible to apply for this vital program. If your family is currently receiving benefits under the National Food Security Act, this status also qualifies you to apply for the Ayushman Card, thereby allowing you access to a range of healthcare services aimed at improving your well-being and overall quality of life.

How to Apply Online for Ayushman Bharat Card 2025?

If you are seeking to download your Ayushman card online for the year 2025, the following comprehensive steps will guide you through the process to ensure a smooth experience. First and foremost, navigate to the official website of Ayushman Bharat PMJAY by entering the URL https://pmjay.gov.in in your web browser. Once you arrive at the homepage, look for the option designated for downloading the e-card, which can typically be found in the “Beneficiary Corner” section or directly on the homepage.

Next, you will need to upload essential information, such as your Aadhaar number, mobile number, or any other required details, to initiate the download process. To ensure security and confirm your identity, you will receive an One-Time Password (OTP) on your registered mobile number that you must enter for authentication.

After successfully completing the verification process, you will be granted access to download your Ayushman Bharat card in a digital format. Additionally, you may also have the option to print it out for your convenience. It is advisable to carry a physical printout or to save the e-card on your phone when you visit a hospital for free treatment, as this will facilitate the process and ensure you are prepared for any necessary documentation.

To apply for the Ayushman Bharat Card 2025 online, it is imperative that you have the following important documents readily available: your Aadhaar card, a ration card, a valid mobile number, a bank passbook, and a recent passport-sized photograph. Having these documents at hand will streamline your application process and help you successfully obtain your Ayushman card for the year ahead.

The National Pension System, or NPS 2025, is a voluntary defined contribution pension system available in India. Like popular investment options like PPF and EPF, the National Pension System operates as an EEE instrument, ensuring that the entire corpus remains tax-free at maturity and allowing for tax-free withdrawal of the pension amount. To open an NPS account, you must meet certain criteria: your employer must have adopted the NPS scheme, you must be a citizen of India, whether a resident, a non-resident, or an Overseas Citizen of India, and you must fall within the age range of 18 to 70 years.

NPS For Central Government Employees

The National Pension System (NPS) was first introduced specifically for Central Government employees through a detailed Ministry of Finance (Department of Economic Affairs) Notification No. 5/7/2003-ECB & PR dated 22nd December 2003. Over time, the governance and oversight of the NPS has evolved significantly, coming under the purview of the PFRDA Act 2013 and accompanying regulations set forth by the Department of Financial Services and the PFRDA.

This retirement savings scheme is now mandatory for Central Government employees (except for Armed Forces personnel) who were hired on or after January 1, 2004. Furthermore, the NPS is also accessible to all State Government employees and employees of State Autonomous Bodies, but this availability is contingent upon the decision of the respective State or Union Territory to opt into the program.

National Pension System: Tier 1 Vs Tier 2

NPS or the National Pension System offers two types of accounts, namely Tier I and Tier II, each suited for different financial goals. Tier I NPS is primarily designed for retirement planning, serving as a long-term investment account with restrictions on withdrawals until the individual reaches retirement age.

On the other hand, Tier II NPS functions as a voluntary savings account, providing flexibility for deposits and withdrawals without a lock-in period, making it ideal for individuals looking to save and access funds more freely. To open a Tier I NPS account, any Indian citizen between the ages of 18 and 60 can apply, with a minimum initial investment of Rs 500. However, eligibility for a Tier II NPS account is limited to those who already possess an active Tier I account, requiring a minimum investment of Rs 1,000 to get started.

Additionally, both account types offer attractive tax benefits under Section 80C of the Income Tax Act, with potential deductions of up to Rs 1,50,000 lakh for Tier I contributions. Furthermore, an additional deduction of Rs 50,000 is available under Section 80CCD(1B) for Tier I investments, providing further incentives for individuals to save for their retirement through the NPS platform. Contributions made to NPS Tier 2 accounts do not qualify for tax exemptions under current regulations.

National Pension System Interest Rate 2025

The National Pension System interest rate for 2025 has been a reliable investment option for over a decade, historically yielding annualized returns ranging between 9% to 12%. This scheme, known as NPS, offers subscribers the flexibility to choose between two distinct modes: active and auto. In the active mode, subscribers have the liberty to determine their asset allocation, while in the auto mode, passive investors receive a predetermined allocation across various asset classes.

Subscribers are allowed to modify their asset allocation twice a year and their fund manager once annually. Investing in NPS is highly recommended for individuals looking to achieve their long-term financial goals, as funds cannot be withdrawn before a period of 10 years has elapsed. Upon reaching retirement age, individuals have the option to withdraw up to 60% of the accumulated amount as a lump sum, with the remaining portion being used to invest in an annuity plan that ensures a fixed monthly pension.

NPS Pension Calculator 2025

The NPS Pension Calculator 2025 is a valuable tool that provides a detailed estimate of the pension and lump sum amount that an NPS subscriber can anticipate upon maturity. By inputting regular monthly contributions, percentage of corpus reinvested for purchasing annuity, and assumed rates for returns on investment and annuity selection, this calculator helps individuals plan and prepare for their financial future with clarity and foresight – Click To Calculate

Rajasthan SSO Registration Portal | Single Sign On (SSO) Login and Application Process: Rajasthan Single Sign On (v32.3) Online Portal – One Digital Identity for all applications – This comprehensive online platform, known as Rajasthan Single Sign On or SSO, serves as a unified gateway for the people of Rajasthan to access a multitude of applications. Developed exclusively for public use, this portal, established by the Rajasthan State Government, aims to streamline access to various internet services through a single, user-friendly interface.

Available in both Hindi and English languages, this platform caters to the diverse linguistic needs of residents in the state. Given that Hindi is widely spoken in Rajasthan, and the younger population benefits from dual-language support for enhanced comprehension, the inclusion of both languages on this portal is a thoughtful touch by the government.

The Rajasthan SSO system assigns a unique digital identity to users, simplifying their interaction with a wide range of e-services. Divided into three segments comprising G2G Apps, G2C/G2B Apps, and Identities, this portal offers a seamless online experience. Users are required to create an account, establish a username and password, and securely log in to access the array of benefits and services provided through Rajasthan SSO.

Registration Procedure for Rajasthan Single Sign-On (SSO) ID

The procedure for registering for a Rajasthan Single Sign-On (SSO) ID is outlined below for residents of Rajasthan:

1. Access the Rajasthan SSO Portal: To begin the online creation process for an SSO ID, individuals must visit the main page of the Rajasthan SSO Portal.
2. New User Registration: New applicants to the RSSO portal must register on the SSO portal to access various government services. Click on the “Register” option for New User Registration.
3. Select Registration Category: Upon choosing the registration option, individuals will be directed to the SSO registration page, where they can select from the following categories: Citizen, Udyog, or Government Employee.
4. Registration Process for Citizens: Citizens can acquire their digital SSO ID by following these steps:
5. Click on the Citizen tab and proceed by clicking the enter button.
6. Choose one of the five digital identity options for registration: Aadhaar, Google account, or Bhamashah account.
7. Alternatively, a local digital identity issued by the government and linked to the individual’s bank accounts can be used.
8. Provide the mobile number associated with the Aadhar card during registration.
9. After successful registration on SSO, individuals can log in using their designated login credentials (ID and password) to access the SSO platform.

Rajasthan SSO Registration Portal Available Services List 2025

The purpose of SSO Login Rajasthan (RajSSO) is to enable users to access multiple services provided by the Rajasthan government. The website under SSO Login Rajasthan requires users to provide personal data in order to avail of various services. Once citizens create a Rajasthan SSO ID, the list of available departments and services includes:

• GST Home Portal
• Business Registration
• Bhamashah Rojgar Srijan Yojana (BRSY)
• Bhamashah Swasthya Bima Yojana (BSBY)
• Bhamshah Card
• Arms License
• Attendance MIS
• Employment opportunities
• Bank Correspondence
• Change of usage of land
• e-Devasthan
• e-Mitra
• e-Mitra Reports
• e-Learning
• SSO Rajasthan EPass
• IFMS-RajSSP
• BPAS -Building plan approval system

Rajasthan SSO ID Helpline Number

Should you encounter any challenges in creating an SSO ID, please feel free to contact the helpline number provided below to seek assistance and resolve your issue.

• Helpdesk Number: 0141-5153-222 / 0141-512-3717
• Helpdesk Email: helpdesk.sso@rajasthan.gov.i
• Website: https://sso.rajasthan.gov.in/helpdesk

Benefits of SSO Rajasthan Portal ID 2025

Rajasthan SSO Registration Portal: The SSO Portal in Rajasthan offers a multitude of benefits to its users. By providing a single ID for various services, residents can access a wide range of offerings from both the government and business sectors. This innovative platform eliminates the need for physical visits, making it easier for individuals to avail themselves of government programs. Moreover, by presenting business and job opportunities, the portal empowers residents financially and enhances their economic well-being.

The online gateway also helps in reducing overcrowding in government offices, thereby streamlining administrative processes and promoting efficiency. Additionally, the platform emphasizes transparency and timeliness in service delivery, ensuring that users receive the assistance they need promptly and fairly. A noteworthy feature of the portal is the recent introduction of the Rajasthan One Time Registration, enabling youth to register just once for all government job opportunities in the state, simplifying the application process and increasing access to employment opportunities.

By implementing the SSO Portal in Rajasthan, organizations can optimize their access management processes, bolster security protocols, and elevate the overall user experience. This technological integration not only boosts operational efficiency but also enhances productivity levels across the entire enterprise, leading to a more seamless and effective workflow.

What is SIPF ID and What is Password in Rajasthan SSO?

In Rajasthan, the state insurance and provident fund department was founded to benefit employees by offering financial and social protection to all government employees in the region. When you’re setting up your SSO ID, you’ll need a SIPF Portal password. So, what exactly is this SIPF Portal Password? It’s simply your birth date in the format of “ddmmyyyy.

Frequently Asked Questions (FAQs) related to the SSO Rajasthan Portal or SSO ID

झारखण्ड मुख्यमंत्री मंईयां सम्मान योजना हेतु आवेदन प्रपत्र

Click To Download Application Form in PDF Format

Jharkhand Chief Minister Hemant Soren launched the “Mukhyamantri Maiya Samman Yojana” a day before Raksha Bandhan, providing financial assistance of ₹1,000 per month to women aged 21 to 50. The scheme aims to benefit 48 lakh women in the state, with the first installment transferred to 57,120 women. From September, payments will be made on the 15th of each month, and beneficiaries will receive SMS notifications. Soren also emphasized the importance of raising awareness to protect recipients from cyber fraud.

Jharkhand Maiya Samman Yojana 2025 Highlights

Eligibility Criteria for Mukhyamantri Maiya Samman Yojana

To participate in this government scheme, the applicant must be a permanent resident of Jharkhand state.

• This scheme is only for women.
• The age of the applicant woman should be between 21 to 50 years.
• The family of the applicant woman should be included in the Antyodaya family category.
• The applicant woman must have a bank account linked to Aadhaar card and mobile number.

Documents required for Jharkhand Maiya Samman Yojana

• Aadhaar card of the applicant woman
• Ration card
• Mobile number
• Income certificate
• Color photo
• Bank account number

Mukhyamantri Mainiya Samman Yojana: How to Check Rs. 1000 Status Online?

For women wishing to check their DBT status for the Rs.1000 payment under the Mukhyamantri Maiya Samman Yojana, follow these straightforward steps to access information regarding your application.

• Begin by navigating to the official website at https://mmmsy.jharkhand.gov.in/.
• Next, from the main page, select the option for Application & Payment Status.
• You will then need to input either your Application Number or Mobile Number into the designated field.
• Make sure to accurately enter the captcha code presented below.
• Finally, click on the Submit button located beneath the input box.
• Your screen will then display comprehensive details about your Payment DBT Status.

Jharkhand Mukhyamantri Maiya Samman Yojana List PDF Download

To access and download the Jharkhand Mukhyamantri Maiya Samman Yojana List PDF for the year 2025, all eligible women who have applied under this important initiative should carefully follow the detailed steps outlined below.

• First and foremost, it is essential to visit the official web portal dedicated to this program at the following URL: https://mmmsy.jharkhand.gov.in/.
• Once on the homepage of the portal, look for and click on the clearly labeled “Beneficiary List” option, which will guide you to the next step of the process.
• Subsequently, you will need to select your specific District, Village, Block, and Panchayat from the dropdown menus provided, ensuring that you accurately represent your location.
• After making these selections, enter your unique Application Number and Aadhaar Number in the designated boxes to authenticate your identity and validate your application.
• Once all the information has been entered correctly, you will notice a “Submit” button; go ahead and click on this button to proceed. In a moment, you will see the district-wise beneficiary list displayed on your screen, providing you with the information you need.
• Finally, to obtain a copy of the list for your records, simply click on the “Download” button located on the right-hand side, enabling you to save the beneficiary list directly to your device for easy access and reference.

Mukhyamantri Maiya Samman Yojana List District Wise PDF 2025

PM Vishwakarma Yojana CSC VLE Registration 2025 | Online Apply @ pmvishwakarma.gov.in:

Register in CSC PM Vishwakarma Yojana 2025 – Step-by-Step Guide

• Step 1: Visit https://pmvishwakarma.gov.in/ and access the “login” dropdown.
• Step 2: Choose “CSC- View E-Shram Data” from the dropdown menu to view E-Shram data for registration on PM Vishwakarma.
• Step 3: Sign in with your CSC User Name and Password.
• Step 4: CSC users can view E-Shram registered applicant details and proceed to register them on PM Vishwakarma.
• Step-5: Select “CSC- Register Artisans” from the Login dropdown to register Artisans.
• Step 6: Log in with your CSC credentials.
• Step 7: Answer ‘No’ to specific questions and click ‘Continue’.
• Step 8: Provide an Aadhaar-linked mobile Number and complete OTP verification.
• Step 9: Complete the Registration Form with personal details fetched from Aadhaar, including Name, Gender, and Category. Specify if the Artisan is Divyangjan and their business details.
• Step 10: Fill in your Contact Details, including your Mobile Number and Aadhaar Number, and optionally provide PAN card Number.

Following these steps, you can easily register artisans on the PM Vishwakarma website through CSC.

Important Things Before Register in PM Vishwakarma Yojana 2025

When registering artisans on the PM Vishwakarma website, ensure to fill in the Family details section accurately. If the ration card number is linked with the Aadhaar number, the details will auto-populate. If not, provide the ration card number to fetch the family information. If the ration card is unavailable, manually input the family details.

Moving on to the Aadhaar Address Detail Section, the Aadhaar address, State, District, and Pin Code will be filled automatically. If the Aadhaar address matches the Current Address, click on “Same as Aadhaar address.” For artisans under gram panchayat, select the appropriate options. For urban area artisans, select the ULB Name.

In case of a different Aadhaar address, select “Other” and indicate whether the artisans come under gram panchayat. Provide the current address details accordingly. In the Profession/Trade Details Section, choose the Artisan’s Profession/Trade Name. Confirm if the profession/trade is acquired through Guru-Shishya tradition. Select the business address as per Aadhaar or Current Address. If different, specify the business address. Complete the Savings Bank Detail Section by entering the Artisan’s Bank Account Name, IFSC Code, Bank Branch Name, and Account Number. Verify the account number by re-entering it.

Apply for PM Vishwakarma Yojana 2025 | Credit & Digital Incentives

In the Credit Support Section, specify if the Artisan requires Credit Support. Enter the requested amount (up to Rs. 1,00,000). Select the preferred bank/branch for the loan. Provide existing loan details and monthly family income. Under the Digital Incentive Section, indicate if the Artisan has a UPI ID. If applicable, provide the UPI ID and linked mobile number. Familiarize yourself with the scheme benefits in the Skill Training and Tool kit sections. Choose the Marketing Support benefits applicable to the Artisan in the Marketing Support Section. Agree to the Declaration and Terms and Conditions. Upon completing all necessary details, click on the Submit Button to receive a generated Registration Number. Register artisans on the PM Vishwakarma website efficiently.

Register for PM Vishwakarma Yojana 2025 | pmvishwakarma.gov.in

To register in the CSC PM Vishwakarma Yojana 2025, the first step is to visit the official website at pmvishwakarma.gov.in. Once you enter the site, you will be redirected to the homepage, where on the right corner, you will find the “Login” option. Click on this and then proceed to click on the “CSC Register Artisans” button. A new page will open on your screen, prompting you to input details such as your username, password, and the captcha code provided. After entering the required information, click on the “Sign in” option to complete the registration process.

Kalanjiyam Karuvoolam IFHRMS Pay Slip Login 2025: The Government of Tamil Nadu has taken a significant step in this direction by introducing the Integrated Financial and Human Resources Management System (IFHRMS), commonly known as Karuvoolam IFHRMS. This innovative system has revolutionized the way government employees in Tamil Nadu manage their payroll-related information, providing them with a convenient online platform to access their payslips with ease. In this detailed article, we will guide you through the step-by-step process of logging into Karuvoolam IFHRMS, allowing you to effortlessly download your payslip whenever needed.

Kalanjiyam Karuvoolam IFHRMS Pay Slip Login Overview

Karuvoolam IFHRMS – Tamil Nadu Treasury and Accounts Portal

In Tamil Nadu, originally, the oversight of all Treasuries was held by the Revenue Department. The Pay and Accounts Office was established in Chennai (formerly Madras City) in 1954, consolidating Treasury and audit functions under the umbrella of the Finance Department. The Department of Treasuries and Accounts came into existence in 1962, marking a significant milestone.

Following the establishment of the Directorate, the District Treasuries across the State (excluding Chennai, which comprised 12 Districts at that time) and their associated Sub Treasuries, along with the Pay and Accounts Office in Chennai, were placed under the purview of the Treasuries and Accounts Department. This department operates under the overarching authority of the Finance Department. The department’s nerve center is the Commissioner of Treasuries and Accounts office in Chennai, overseeing:

• 9 Pay and Accounts Offices
• 6 Regional Joint Director of Treasuries and Accounts Offices
• 32 District Treasuries
• 243 Sub Treasuries
• 1 Pension Pay Office in Chennai
• Assistant Superintendent of Stamps Office
• Deputized Officers

Karuvoolam IFHRMS Portal | Streamline Govt Payroll & HR Processes

Karuvoolam Integrated Financial and Human Resources Management System (IFHRMS) is a sophisticated online platform meticulously crafted to streamline and digitize the myriad financial and human resources processes within the Tamil Nadu government. This innovative system is designed to enhance efficiency and transparency in managing government employees’ payroll, pension, and other essential services. By leveraging the power of technology, IFHRMS revolutionizes the way administrative tasks are handled, ensuring a smoother and more accountable governance structure.

Karuvoolam IFHRMS Portal: Simplify Payroll with User-Friendly Interface

A standout feature of the IFHRMS is its user-friendly interface that empowers government employees to conveniently access their payslips online, eliminating the hassle of dealing with cumbersome physical paperwork. Through this digital portal, employees not only have instant access to their current and past payslips but also can delve into crucial information pertaining to their employment status. From detailed service records to leave balances and more, Karuvoolam IFHRMS provides a comprehensive view of each employee’s professional journey within the government sector, fostering a more informed and empowered workforce.

How to Login in Karuvoolam IFHRMS Portal

Kalanjiyam Karuvoolam IFHRMS Pay Slip Login: To download your payslip from Karuvoolam IFHRMS, follow these step-by-step instructions. Begin by visiting the official website of Karuvoolam IFHRMS at www.karuvoolam.tn.gov.in. Once on the website, locate and click on the login page. On the login page, you will find options for Employees, Pensioners, and Others. Select the appropriate login option based on your status.

Enter your User ID and Password, with the User ID typically being your employee code or TCODE. After entering your credentials, click on the “Sign In” button to access your account. Upon successful login, you will be directed to your personalized Karuvoolam IFHRMS dashboard, where you can find various services and information. Navigate to the “Payslip” or “Payroll” section on the dashboard to access and download your payslip.

How to Download Payslip from Karuvoolam IFHRMS Portal

Kalanjiyam Karuvoolam IFHRMS Pay Slip Login: After successfully logging into the Karuvoolam IFHRMS portal, you can easily access your pay slip by following a few simple steps provided below:

1. Click to your personalized dashboard and look for the prominently labeled sections, such as “Payslip” or “Payroll,” designed for easy access to your financial information.
2. Within this section, you’ll be able to select the specific month and year for the pay slip you wish to view or download, ensuring you have the correct and up-to-date information at your fingertips.
3. Once you have chosen the desired payslip, you will be presented with the option to either “View” it online for immediate review or “Download” it in the convenient PDF format for future reference.
4. If you opt to download the payslip, the document will automatically be saved to your device’s default location for downloads. You can then easily retrieve the file and organize it for quick access on your computer or mobile device, ensuring you have your financial records securely stored and readily available whenever needed.

Advantages of Utilizing Karuvoolam IFHRMS

Karuvoolam IFHRMS brings forth a multitude of benefits for government workers in Tamil Nadu:
Ease: Through IFHRMS, employees have the convenience of retrieving their salary slips and other work-related details from the comfort of their residences or workplaces. This eradicates the necessity of visiting governmental premises or requesting physical copies of salary slips. This system fosters transparency by granting employees effortless access to their financial and HR records. Such transparency cultivates trust and assurance among the workforce.

Karuvoolam IFHRMS is at employees’ disposal round the clock, permitting them to peruse their salary slips and related data at their convenience, even outside regular working hours. By providing digital salary slips, IFHRMS minimizes paper consumption and contributes to the preservation of the environment. Effective Data Management: Workers can retrieve their salary slips from various months and years, facilitating the maintenance of a comprehensive record of their earnings and deductions. The system implements stringent security protocols to safeguard employees’ information, ensuring the confidentiality of their financial data.

The Union Government has issued an updated notification regarding the Unified Pension Scheme (UPS) on January 24, 2025.

• Date of Notification: January 24, 2025
• Authority: The Ministry of Finance, Government of India, has published this information in the Gazette.
• This notification introduces a Unified Pension Scheme for Central Government employees as part of the National Pension System.
• Guaranteed payouts contingent upon qualifying service.
• A minimum assured payout of ₹10,000 per month after a service period of 10 years.
• Both employees and the government will contribute 10% each, with an additional government contribution of 8.5% to enhance payouts.
• Effective Date: April 1, 2025.
• Click here to download notification in pdf.

What is the Unified Pension Scheme (UPS)?

The recently unveiled Unified Pension Scheme (UPS) marks a pivotal shift in retirement benefits for central government employees, courtesy of the union government. This forward-thinking initiative cleverly merges the best elements of the Old Pension Scheme with the National Pension Scheme, assuring workers a dependable pension when they retire. With the UPS, government employees can look forward to guaranteed pensions that adjust with inflation, thus preserving their purchasing power as time goes on.

Furthermore, the scheme includes extensive family pensions that offer financial assistance to loved ones left behind after an employee’s death, alongside a minimum pension guarantee that ensures every retiree has a fundamental level of financial stability. The UPS not only underscores a dedication to the well-being of government workers but also strives to establish a fairer and more sustainable pension framework that adapts to evolving economic conditions.

The New Unified Pension Scheme (UPS) Scheme Will Be Effective from 1st April 2025

Narendra Modi on X
@narendramodi

“We are proud of the hard work of all government employees who contribute significantly to national progress. The Unified Pension Scheme ensures dignity and financial security for government employees, aligning with our commitment to their well-being and a secure future“.

Today Union Cabinet Approved the New UPS Unified Pension Scheme for Government Employees 2025

Cabinet approves Unified Pension Scheme, 23 lakh Central Government employees to benefit!

In a noteworthy step towards bolstering the financial well-being of citizens in their retirement years, the Union Cabinet, led by Prime Minister Shri Narendra Modi, gathered today to formally endorse the eagerly awaited Unified Pension Scheme (UPS). This innovative program aims to simplify and update pension offerings, delivering a variety of advantages meant to ensure a dependable and steady income for those who have retired.

50% of Basic Salary as Assured Pension

A standout aspect of the UPS is the guaranteed pension, which ensures that retirees receive 50% of their average basic pay from the last year before retirement, as long as they’ve completed at least 25 years of service. For employees who have worked for a shorter period, the pension will be calculated on a proportional basis, allowing those with a minimum of 10 years of service to still obtain a reasonable retirement benefit.

Assured family pension: @60% of pension of the employee immediately before her/his demise

Furthermore, the program offers a guaranteed family pension that equates to 60% of the employee’s pension just prior to their unexpected passing, ensuring the financial security of their family. In addition, acknowledging the increasing expenses of daily life, the program guarantees a minimum pension of INR 10,000 per month, which can be accessed upon retirement after completing at least 10 years of service.

Assured minimum pension: @10,000 per month on superannuation after minimum 10 years of service

In order to safeguard retirees against the negative impacts of inflation, the UPS has introduced a mechanism for inflation indexation. This system modifies the guaranteed pension, family pension, and minimum pension figures to align with shifts in the economy. The adjustments will rely on the All India Consumer Price Index for Industrial Workers (AICPI-IW), mirroring the approaches already in use for service staff.

Lump Sum Payment On Superannuation in Addition to Gratuity – DR also Allowed

Upon reaching superannuation, a one-time payment will be issued alongside the gratuity. This gratuity is determined as one-tenth of the monthly earnings, which encompass both the basic salary and the dearness allowance (DA) as of the retirement date. For each completed six-month period of service, an additional sum will be added, guaranteeing that employees are fairly rewarded for their years of commitment and effort. Crucially, this one-time payment will not diminish the guaranteed pension amount that the individual is eligible to receive, thus ensuring financial stability and security for retirees as they embark on this new chapter of their lives.

National Council JCM on UPS

On August 24, 2024, the General Secretary of the National Council JCM reached out to all members with a letter summarizing the main highlights from a pivotal meeting held today. This gathering brought together the Standing Committee Members of the National Council (JCM) and the distinguished Prime Minister of India.

The meeting took place at the residence of Hon’ble Prime Minister Shri Narendra Modi and included Hon’ble Finance Minister Smt. Nirmala Sitharaman, along with Shri T.V. Somanathan, who leads the committee responsible for evaluating the Pension System for Government Employees and also holds the position of Cabinet Secretary.

During this important dialogue, both the Prime Minister and the Cabinet Minister expressed their support for the Unified Pension Scheme (UPS), which features several key components:

(i) Guaranteed Pension
(ii) Guaranteed Family Pension
(iii) Minimum Guaranteed Pension
(iv) Inflation Adjustment: Dearness Relief
(v) A lump-sum retirement payment, in addition to gratuity.

Maharashtra is First State to Implement of UPS

Maharashtra has taken the lead as the first state in India to roll out the groundbreaking Unified Pension Scheme (UPS), marking a pivotal achievement in employee welfare and benefits. On August 25, the Union cabinet green-lighted this forward-looking initiative, designed to grant government employees a pension equal to 50% of their average earnings over their final year of service.

This all-encompassing pension scheme not only adjusts for inflation but also offers a variety of extra perks specifically for those government employees who began their careers post-2004. To be eligible for the UPS, employees are required to complete a minimum of 25 years of service, ensuring that those with long tenures are justly recognized for their commitment and effort. As a progressive move, Maharashtra’s introduction of the UPS is particularly timely, especially with upcoming elections on the horizon, underscoring the state’s dedication to bolstering the financial stability and overall well-being of its government employees.

On Friday, Chief Minister MK Stalin of Tamil Nadu will unveil the ‘Tamil Pudhalvan’ initiative, a monthly support program offering ₹1,000 to boys who continue their education beyond government school levels.

MK Stalin Launches Aid Scheme for Boys’ Higher Education: MK Stalin is set to introduce a stipend initiative aimed at 328,000 students hailing from Tamil-medium schools who are seeking to further their education. The Tamil Pudhalvan scheme will provide each student with Rs 1,000 to support their enrollment in undergraduate programs, with the goal of boosting participation in higher education.

Today, the Kalloori Kanavu 2025 event for Class 12 students took place at the Anna Centenary Library in Kotturpuram, Chennai, as part of the Tamil Nadu government’s Naan Mudhalvan initiative. The gathering saw the participation of over a thousand students, along with prominent officials such as Chief Secretary Sivdas Meena, Additional Chief Secretary Muruganandam, and School Education Secretary Kumaragurubaran. During the event, Chief Secretary Meena revealed that the Tamil Pudhalvan scheme is set to launch in July, providing government school students with a monthly allowance of Rs. 1000.

Tamil Pudhalvan Scheme 2025 Summary

Tamil Pudhalvan Scheme 2025: How to Find EMIS ID?

Students can submit their applications via the Portal at https://umis.tn.gov.in. Upon applying, a distinctive EMIS ID will be created for each applicant, and an SMS notification will be dispatched to the registered email address, providing updates on the application status for the academic year.

Tamil Pudhalvan Scheme 2025: Locating Your EMIS ID: To obtain your EMIS ID, refer to the SSLC or HSC certificate of the student in question. You can find your HSE EMIS ID using one of the following methods: Examine your two certificates for the T.M.R. Code Number and Date: The EMIS code consists of a 16-digit numeric sequence.

• EMIS ID from Higher Secondary Education
• EMIS ID from the School Leaving Certificate

Tamil Pudhalvan Scheme 2025: Who Will Benefit?

The Tamil Nadu government has unveiled the Tamil Pudhalvan Scheme. This program will provide students in grades six through twelve with a monthly deposit of one thousand rupees directly into their bank accounts. An official website is on the way, where interested applicants can soon submit their applications online.

The government aims to support higher education through financing initiatives. Approximately 300,000 students from public schools will benefit from this program. Students will no longer face financial barriers in their educational pursuits. Those interested can submit their applications online for the Tamil Pudhalvan Scheme 2025 on the official website.

Tamil Pudhalvan Scheme Beneficiary List

Once the government unveils the Tamil Pudhalvan Scheme Beneficiary List, individuals can verify their names on it. This initiative is designed to support those whose names are listed. For candidates eager to access the upcoming beneficiary list, they should visit the official website of the scheme.

Required Documents to Apply for Tamil Pudhalvan Scheme 2025

Some of the important documents required for the Tamil Pudhalvan Scheme, which aims to support individuals in their educational and professional endeavors, are as follows: a recent passport-sized photograph that clearly showcases your face, an Aadhaar Card that verifies your identity and residence, a Qualification Certificate proving your educational achievements, and an Address Proof that confirms your current living situation.

Additionally, a Ration Card may be necessary to indicate your eligibility for government assistance, while an Income Certificate is required to assess your financial standing. Furthermore, providing your Mobile Number and Email ID ensures effective communication regarding updates and notifications related to the scheme. Lastly, it is essential to submit your Bank Details, which will facilitate any financial transactions or support provided under this initiative.

Eligibility Criteria for Tamil Pudhalvan Scheme 2025

For those aspiring to apply for the Tamil Pudhalvan Scheme in the year 2025, it is imperative that applicants meet a specific set of eligibility criteria to ensure their qualification for this significant initiative. First and foremost, the student must be a proud citizen of Tamil Nadu, representing the vibrant culture and heritage of the state. Additionally, the student must identify as male, as this scheme is specifically designed to support young boys in their educational pursuits.

Furthermore, the students must be actively enrolled in any government school within the state of Tamil Nadu, emphasizing the scheme’s commitment to fostering education in public institutions. It is also important to note that only students who are currently in the sixth to twelfth grades are eligible for this scheme, ensuring that the support is directed towards those in critical stages of their educational development. Lastly, the applicant must possess all the necessary documentation required for the application process, as this is crucial for verifying eligibility and ensuring a smooth application experience.

Tamil Nadu Government Other Schemes

The government of Tamil Nadu has rolled out the Pudhumai Penn Scheme, which allocates Rs 1,000 monthly to female students in higher education, reportedly benefiting over 300,000 girls. In addition, the state has launched the Tamil Pudhalvan scheme, also offering Rs 1,000 per month, aimed at motivating more students to pursue their higher education.

According to state officials, approximately 328,000 girls have gained from the Innovation Women Scheme so far, with a noted increase in female enrollment in colleges and other higher education institutions following the scheme’s implementation.

“Education is resilient; it cannot be swept away by floods or devoured by flames. It cannot be seized by a trader, and while it is shared generously, it remains abundant and unyielding to theft,” stated Stalin.