The Universal Pension Scheme (UPS) aims to provide financial security to Bangladeshi citizens through a structured pension plan. This study investigates how income level, educational attainment and age influence the adoption of the UPS. We hypothesized that these demographic factors significantly affect participation in the scheme. Utilizing a quantitative approach, data from 463 participants was analyzed using chi-square testing and descriptive statistics. The results indicate a significant association between income level, education, and age with UPS adoption. Specifically, higher income, greater educational attainment, and younger age correlate with higher adoption rates. Despite a positive overall outlook, a substantial portion of participants remain uninterested or require more information. Addressing awareness and affordability issues could enhance adoption. This study highlights the importance of tailoring promotional strategies to diverse demographic factors to effectively increase UPS participation and ensure broader financial security.