When could central employees realistically see 8th Pay Commission salary changes?

Based on current signals, broad 8th Pay Commission salary changes are now expected around 2027–28, not in 2025. While DA Hike 2025 supports incomes, a full pay revision looks later. Timelines can shift with committee progress and Budget math, so watch official notifications. Plan finances assuming steady increments and DA revisions, not a sudden spike, and prioritise loan prepayments and emergency buffers in the interim.

How does the NPS equity cap 75% affect long-term returns and risk?

A higher 75% ceiling allows pension fund managers to allocate more to equities, which can lift long-term return potential but also increases volatility. In practice, many investors use life-cycle funds that reduce equity exposure with age, moderating risk. Expect most flows to concentrate in liquid large-caps. Keep a long horizon, stick to chosen asset allocation, and rebalance annually to control drawdowns and sequence risk.

What is the Unified Pension Scheme and why does it matter now?

The Unified Pension Scheme aims to offer a clearer, unified framework for government employees’ retirement benefits alongside NPS architecture. Details include contribution rules and an equity allocation framework that can influence long-term market flows. For employees, it improves clarity on retirement income planning. For markets, steady, rule-based allocations add depth. Track official circulars, as state-level adoption and scheme design will shape the final impact.

Global Market Insights

December 27: 8th Pay Commission Pushed to 2027-28, NPS Equity 75%

ByHuzaifa Zahoor December 27, 2025December 27, 2025

India’s 8th Pay Commission salary is now expected only in 2027–28, shifting the near-term outlook for incomes and the Budget. While 2025 brings DA Hike 2025 and pension rule changes, including a higher NPS equity cap 75%, the delay may ease fiscal pressure this year. We break down what this means for employees and investors. Our lens is simple: timing of payouts, impact on bonds, and how larger pension equity flows can shape domestic markets into 2026–27.