SBI PENSION FUND SCHEME - CENTRAL GOVT - 24.4122 as on 24-03-2017 || SBI PENSION FUND SCHEME - STATE GOVT - 21.0044 as on 24-03-2017 || SBI PENSION FUND SCHEME E - TIER I - 20.4356 as on 24-03-2017 || SBI PENSION FUND SCHEME C - TIER I - 23.08 as on 24-03-2017 || SBI PENSION FUND SCHEME G - TIER I - 21.3937 as on 24-03-2017 || SBI PENSION FUND SCHEME E - TIER II - 18.8205 as on 24-03-2017 || SBI PENSION FUND SCHEME C - TIER II - 21.1321 as on 24-03-2017 || SBI PENSION FUND SCHEME G - TIER II - 20.4832 as on 24-03-2017 || NPS TRUST A/C-SBI PENSION FUNDS PRIVATE LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 19.7853 as on 24-03-2017 || SBI PENSION FUNDS PVT. LTD. SCHEME - CORPORATE-CG - 15.5708 as on 24-03-2017 || NPS TRUST - A/C SBI PENSION FUND SCHEME - ATAL PENSION YOJANA (APY) - 11.7898 as on 24-03-2017 || SBI PENSION FUND SCHEME A - TIER I - 10.2814 as on 24-03-2017 || SBI PENSION FUND SCHEME A - TIER II - 10.2589 as on 24-03-2017 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME- CENTRAL GOVT - 23.6515 as on 24-03-2017 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME- STATE GOVT - 21.1004 as on 24-03-2017 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME E - TIER I - 23.7851 as on 24-03-2017 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME C - TIER I - 20.9417 as on 24-03-2017 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME G - TIER I - 19.463 as on 24-03-2017 || UTI RETIREMENT SOLUTIONS SCHEME E - TIER II - 19.2752 as on 24-03-2017 || UTI RETIREMENT SOLUTIONS SCHEME C - TIER II - 20.0229 as on 24-03-2017 || UTI RETIREMENT SOLUTIONS SCHEME G - TIER II - 19.9149 as on 24-03-2017 || NPS TRUST A/C-UTI RETIREMENT SOLUTIONS LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 19.6164 as on 24-03-2017 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME - CORPORATE-CG - 10 as on 24-03-2017 || NPS TRUST - A/C UTI RETIREMENT SOLUTIONS LTD. SCHEME - ATAL PENSION YOJANA (APY) - 12.1153 as on 24-03-2017 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME A - TIER I - 10.2703 as on 24-03-2017 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME A - TIER II - 10.2745 as on 24-03-2017 || LIC PENSION FUND SCHEME - CENTRAL GOVT - 23.8028 as on 24-03-2017 || LIC PENSION FUND SCHEME - STATE GOVT - 21.2741 as on 24-03-2017 || NPS TRUST A/C-LIC PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 19.5746 as on 24-03-2017 || LIC PENSION FUND LIMITED SCHEME - CORPORATE-CG - 15.6925 as on 24-03-2017 || LIC PENSION FUND SCHEME E - TIER I - 15.9703 as on 24-03-2017 || LIC PENSION FUND SCHEME C - TIER I - 15.0133 as on 24-03-2017 || LIC PENSION FUND SCHEME G - TIER I - 15.4303 as on 24-03-2017 || LIC PENSION FUND SCHEME E - TIER II - 13.4081 as on 24-03-2017 || LIC PENSION FUND SCHEME C - TIER II - 14.1048 as on 24-03-2017 || LIC PENSION FUND SCHEME G - TIER II - 15.4703 as on 24-03-2017 || NPS TRUST - A/C LIC PENSION FUND SCHEME - ATAL PENSION YOJANA (APY) - 12.0921 as on 24-03-2017 || LIC PENSION FUND SCHEME A - TIER I - 10.2385 as on 24-03-2017 || LIC PENSION FUND SCHEME A - TIER II - 10.1184 as on 24-03-2017 || KOTAK PENSION FUND SCHEME E - TIER I - 22.0808 as on 24-03-2017 || KOTAK PENSION FUND SCHEME C - TIER I - 22.9705 as on 24-03-2017 || KOTAK PENSION FUND SCHEME G - TIER I - 19.741 as on 24-03-2017 || KOTAK PENSION FUND SCHEME E - TIER II - 19.5468 as on 24-03-2017 || KOTAK PENSION FUND SCHEME C - TIER II - 19.7845 as on 24-03-2017 || KOTAK PENSION FUND SCHEME G - TIER II - 18.5687 as on 24-03-2017 || NPS TRUST A/C-KOTAK MAHINDRA PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 17.2462 as on 24-03-2017 || KOTAK PENSION FUND SCHEME A - TIER I - 10.205 as on 24-03-2017 || KOTAK PENSION FUND SCHEME A - TIER II - 10.2081 as on 24-03-2017 || RELIANCE PENSION FUND SCHEME E - TIER I - 22.4035 as on 24-03-2017 || RELIANCE PENSION FUND SCHEME C - TIER I - 20.7469 as on 24-03-2017 || RELIANCE PENSION FUND SCHEME G - TIER I - 19.2729 as on 24-03-2017 || RELIANCE PENSION FUND SCHEME E - TIER II - 19.1094 as on 24-03-2017 || RELIANCE PENSION FUND SCHEME C - TIER II - 19.2321 as on 24-03-2017 || RELIANCE PENSION FUND SCHEME G - TIER II - 18.7056 as on 24-03-2017 || NPS TRUST A/C-RELIANCE CAPITAL PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 10 as on 24-03-2017 || RELIANCE PENSION FUND SCHEME A - TIER I - 10.1818 as on 24-03-2017 || RELIANCE PENSION FUND SCHEME A - TIER II - 10.1085 as on 24-03-2017 || ICICI PRUDENTIAL PENSION FUND SCHEME E - TIER I - 23.9929 as on 24-03-2017 || ICICI PRUDENTIAL PENSION FUND SCHEME C - TIER I - 23.0526 as on 24-03-2017 || ICICI PRUDENTIAL PENSION FUND SCHEME G - TIER I - 19.8423 as on 24-03-2017 || ICICI PRUDENTIAL PENSION FUND SCHEME E - TIER II - 18.9009 as on 24-03-2017 || ICICI PRUDENTIAL PENSION FUND SCHEME C - TIER II - 21.4809 as on 24-03-2017 || ICICI PRUDENTIAL PENSION FUND SCHEME G - TIER II - 19.0106 as on 24-03-2017 || NPS TRUST A/C-ICICI PRUDENTIAL PENSION FUNDS MANAGEMENT COMPANY LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 10 as on 24-03-2017 || ICICI PRUDENTIAL PENSION FUND SCHEME A - TIER I - 10.2227 as on 24-03-2017 || ICICI PRUDENTIAL PENSION FUND SCHEME A - TIER II - 10.2207 as on 24-03-2017 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME E - TIER I - 17.4418 as on 24-03-2017 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME C - TIER I - 14.9836 as on 24-03-2017 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME G - TIER I - 14.7276 as on 24-03-2017 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME E - TIER II - 15.065 as on 24-03-2017 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME C - TIER II - 14.1075 as on 24-03-2017 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME G - TIER II - 15.0353 as on 24-03-2017 || NPS TRUST A/C-HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME - NPS LITE SCHEME - GOVT. PATTERN - 10 as on 24-03-2017 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME A - TIER I - 10.273 as on 24-03-2017 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME A - TIER II - 10.1906 as on 24-03-2017

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Entities Involved

PFRDA is the regulator for NPS. Pension Fund Regulatory and Development Authority (PFRDA) is an Authority set up by the Government of India through the PFRDA Act 2013 to promote old age income security by establishing, regulating and developing pension funds to protect the interest of subscribers to schemes of pension funds and for matters connected therewith or incidental thereto.

NPS architecture consists of NPS Trust which is entrusted with safeguarding subscribers interests, a Central Recordkeeping Agency (CRA) which maintains the data and records, Point of Presence (POP) and aggregators as collection and distribution arms, competing pension fund managers for generating and maximizing returns on investments of subscribers, custodian to take care of the assets purchased by the Fund managers and Trustee bank to manage the banking operations. The entities involved in NPS are as follows:

  • NPS Trust : The National Pension System Trust (NPS Trust) was established by PFRDA on27th February, 2008 with the execution of the NPS Trust Deed. The NPS Trust has been set up and constituted for taking care of the assets and funds under the National Pension System (NPS) in the interest of the beneficiaries (subscribers). Individual NPS subscribers shall be the beneficiaries of the NPS Trust. The NPS fund are managed by the Board of Trustees to realize and fulfill the objectives of the NPS Trust in the exclusive interest of the Subscribers.
  • Central Recordkeeping Agency (CRA): The recordkeeping, administration and customer service functions for all subscribers of the NPS are being handled by NSDL e-Governance Infrastructure Limited, which is acting as the Central Record-keeper for the NPS.
  • Pension Fund Managers (PFMs): The Pension Fund Managers (PFMs) means an intermediary which has been granted a Certificate Of Registration by the Authority as a Pension Fund for receiving contributions, accumulating them and making payments to the subscriber in the manner as may be specified by the Authority.
  • Trustee Bank : Axis Bank Ltd has been appointed by PFRDA as the Trustee Bank for National Pension System (NPS) effective from 1st July, 2013. Trustee Bank as an intermediary is responsible for the day-to-day flow of funds and banking facilities in accordance with the guidelines/ directions issued by the Authority under NPS. It receives NPS funds from all Nodal Offices and transfers the same to the Pension Funds / Annuity Service Providers/other intermediaries as per the operational guidelines.
  • Annuity Service Providers (ASPs): ASPs would be responsible for delivering a regular monthly pension to the subscriber after he/she exit from the NPS. ASP have been appointed by PFRDA.
  • Point of Presence (POP): Points of Presence (POPs) are different financial Institutions who acts as the first points of interaction of the NPS subscriber with the NPS architecture. The authorized branches of a POP, called Point of Presence Service Providers (POP-SPs), will act as collection points and extend a number of customer services to NPS subscribers. Central Recordkeeping Agency Facilitation Center (CRA-FC): CRA-FC is the entity appointed by NSDL to extend various services under NPS, to its users across the country. The entities who have been appointed as CRA-FC shall establish multiple branches across the country to provide services to the POPs and POP-SPs.
  • Corporate Head Office (CHO): A Corporate wishing to provide NPS to its employees under the Employer - Employee relation, can join NPS by registering as a Corporate Head Office through a POP. The different branches of the corporate can be registered as a Corporate Branch Office (CBO).

Following are the services offered by CRA to the Subscribers:

  1. CRA registers the Subscribers and allot unique Permanent Retirement Account Number (PRAN) to them.
  2. CRA issues a PRAN card and User-ID, I-PIN and T-PIN to access CRA website and CRA call centre.
  3. CRA maintains the Permanent Retirement Account of the Subscribers and facilitates the creation of units in Subscribers account as per the contribution details and funds received from the Nodal Offices.
  4. At the end of every financial year, CRA sends a physical Transaction Statement to the Subscriber containing the details of the transactions in Subscribers Permanent Account. The Transaction Statement as on March 31st of every year will be sent within 3 months i.e. before June 30th.
  5. CRA registers grievances (received through CRA system or through G1 form) and send the resolution details to the Subscribers by e-mail.
  6. CRA provides I-PIN based login to CRA website for subscribers to view their account details.