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The sum is determined by calculating one-tenth of the employee's monthly emoluments, which include basic pay and dearness allowance, at the time of superannuation.

This calculation is performed for each six-month period of service rendered by the employee.

In the unfortunate event of an employee's passing, the UPS guarantees a pension to the family, amounting to 60% of the pension the employee would have been eligible for at the time of their demise.

This differs from the NPS, where the family pension is based on the accumulated corpus in the employee's account.Online financial analyst High-Yield Fund Investments: Start Small, Earn Big