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T S Khurana |558 Answers |Ask -Follow

Tax Expert - Answered on Jul 17, 2025

A certified management accountant since 1993, T S Khurana is a fellow member of The Institute of Cost Accountants of India. His areas of expertise are income tax, specifically litigation cases, and GST.

Since the last 21 years, he has also been providing expert advice on financial matters, including investments and diversification of funds, and wealth building in the long term to his clients.
He believes that investment in real estate is the safest way for better returns and wealth generation over a period of time.

A former chairman of the Chandigarh Chapter of Institute of Cost Accountants of India, T S Khurana has also served as member of its technical committee.... more

Question by SPLakhtakia on Jul 07, 2025Hindi

Money

Which is better NPS or UPS

Ans: I feel, UPS is comparatively better than NPS.
Most welcome for any further clarifications. Thanks.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Asked by Anonymous - Aug 26, 2024Hindi

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The recent announcement by the central government regarding UPS , I would like to seek ur advice as to which is better NPS or UPS.

Ans: The recent announcement regarding the Unified Pension System (UPS) aims to simplify and unify various pension schemes, including the National Pension System (NPS). However, it's important to consider that NPS is a well-established, market-linked retirement savings scheme offering tax benefits, flexibility in investment choices, and partial withdrawal options.

Since UPS is new and its details are still emerging, it's advisable to continue with NPS for its proven track record and flexibility. Once more information about UPS is available, you can reassess your options.

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Question by epfo.app - Aug 28, 2024Hindi

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Which is better, NPS or UPS?

Ans: The recent announcement regarding the Unified Pension System (UPS) aims to simplify and unify various pension schemes, including the National Pension System (NPS). However, it's important to consider that NPS is a well-established, market-linked retirement savings scheme offering tax benefits, flexibility in investment choices, and partial withdrawal options.

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Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 12, 2025

Asked by Anonymous - Apr 04, 2025Hindi

Money

M a central government employee under nps with 10 more years of service i would like to know which is better option NPS or UPS. Plsss

Ans: Hello;

The main plus point of UPS is guaranteed benefit i.e. 50% of last drawn salary as pension.

And this pension has Dearness allowance component so your retirement income is pegged to inflation.

However you will need to carefully assess the pro's and con's of each system and take a call. My advice will be for UPS.

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Reetika Sharma |600 Answers |Ask -Follow

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Good Morning Sir, I am an Govt employee, now they are asking to opt for UPS or NPS, currently I am in NPS, till now the investment in NSDL NPS is 72,00,000. I am left with a service of another 15 to 20 years. I have three kids, has to look after their education and settlement and my retirement plan. Please suggest, which one is better, UPS or NPS

Ans: Hi,

Continue with NPS. It is good with much potential for growth.
NPS is ideal for long-term compounding and building a large corpus, while UPS is for a stable, predictable retirement income.

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Ans: Hi. It largely depends on your financial goals. While it is always advisable to aim to be debt-free, if you require liquidity for other investments, you may consider repaying a portion of the loan and reinvesting the remaining amount.

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Question by Shrikant - Mar 12, 2026Hindi

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Hello ! I have 2 queries regarding NEET application 1) They did not asked for 12th marsksheet to upoload as the student is passed last year and reappearing for neet, is there something I have missed or just they don't need now? 2) Not uploaded APAAR ID because it has wrong birthdate and not matching with 10th marksheet yet filled the form without APAAR ID will it be ok? Thank You!

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have a query regarding my eligibility. I completed my Class 12 (State Board) in the PCB stream (Physics, Chemistry, Biology) in November/December 2025 without Mathematics. I am no longer interested in NEET and wish to appear for JEE Main. I plan to take a separate Mathematics exam under the same board in 2026. Will I be eligible for JEE and the subsequent JoSAA counseling with two separate certificates (PCB from 2025 and Mathematics from 2026)? Additionally, in the JEE application form, should I declare my Class 12 passing year as 2025 or 2026? Will they accept two certificates

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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