SBI PENSION FUND SCHEME - CENTRAL GOVT - 25.9758 as on 15-12-2017 || SBI PENSION FUND SCHEME - STATE GOVT - 22.3325 as on 15-12-2017 || SBI PENSION FUND SCHEME E - TIER I - 23.1818 as on 15-12-2017 || SBI PENSION FUND SCHEME C - TIER I - 24.4366 as on 15-12-2017 || SBI PENSION FUND SCHEME G - TIER I - 22.5168 as on 15-12-2017 || SBI PENSION FUND SCHEME E - TIER II - 21.3702 as on 15-12-2017 || SBI PENSION FUND SCHEME C - TIER II - 22.3775 as on 15-12-2017 || SBI PENSION FUND SCHEME G - TIER II - 21.5107 as on 15-12-2017 || NPS TRUST A/C-SBI PENSION FUNDS PRIVATE LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 21.0785 as on 15-12-2017 || SBI PENSION FUNDS PVT. LTD. SCHEME - CORPORATE-CG - 16.5574 as on 15-12-2017 || NPS TRUST - A/C SBI PENSION FUND SCHEME - ATAL PENSION YOJANA (APY) - 12.5281 as on 15-12-2017 || SBI PENSION FUND SCHEME A - TIER I - 11.0365 as on 15-12-2017 || SBI PENSION FUND SCHEME A - TIER II - 20 as on 15-12-2017 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME- CENTRAL GOVT - 25.2506 as on 15-12-2017 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME- STATE GOVT - 22.4827 as on 15-12-2017 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME E - TIER I - 27.1782 as on 15-12-2017 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME C - TIER I - 22.1199 as on 15-12-2017 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME G - TIER I - 20.3579 as on 15-12-2017 || UTI RETIREMENT SOLUTIONS SCHEME E - TIER II - 21.9349 as on 15-12-2017 || UTI RETIREMENT SOLUTIONS SCHEME C - TIER II - 21.1447 as on 15-12-2017 || UTI RETIREMENT SOLUTIONS SCHEME G - TIER II - 20.8725 as on 15-12-2017 || NPS TRUST A/C-UTI RETIREMENT SOLUTIONS LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 20.9496 as on 15-12-2017 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME - CORPORATE-CG - 10 as on 15-12-2017 || NPS TRUST - A/C UTI RETIREMENT SOLUTIONS LTD. SCHEME - ATAL PENSION YOJANA (APY) - 12.8757 as on 15-12-2017 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME A - TIER I - 10.7646 as on 15-12-2017 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME A - TIER II - 10 as on 15-12-2017 || LIC PENSION FUND SCHEME - CENTRAL GOVT - 25.3087 as on 15-12-2017 || LIC PENSION FUND SCHEME - STATE GOVT - 22.6139 as on 15-12-2017 || NPS TRUST A/C-LIC PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 20.8384 as on 15-12-2017 || LIC PENSION FUND LIMITED SCHEME - CORPORATE-CG - 16.6441 as on 15-12-2017 || LIC PENSION FUND SCHEME E - TIER I - 18.0123 as on 15-12-2017 || LIC PENSION FUND SCHEME C - TIER I - 15.8265 as on 15-12-2017 || LIC PENSION FUND SCHEME G - TIER I - 16.2526 as on 15-12-2017 || LIC PENSION FUND SCHEME E - TIER II - 15.1163 as on 15-12-2017 || LIC PENSION FUND SCHEME C - TIER II - 14.8556 as on 15-12-2017 || LIC PENSION FUND SCHEME G - TIER II - 16.1752 as on 15-12-2017 || NPS TRUST - A/C LIC PENSION FUND SCHEME - ATAL PENSION YOJANA (APY) - 12.8275 as on 15-12-2017 || LIC PENSION FUND SCHEME A - TIER I - 10.724 as on 15-12-2017 || LIC PENSION FUND SCHEME A - TIER II - 10 as on 15-12-2017 || KOTAK PENSION FUND SCHEME E - TIER I - 25.5892 as on 15-12-2017 || KOTAK PENSION FUND SCHEME C - TIER I - 24.2843 as on 15-12-2017 || KOTAK PENSION FUND SCHEME G - TIER I - 20.7781 as on 15-12-2017 || KOTAK PENSION FUND SCHEME E - TIER II - 22.6421 as on 15-12-2017 || KOTAK PENSION FUND SCHEME C - TIER II - 20.9031 as on 15-12-2017 || KOTAK PENSION FUND SCHEME G - TIER II - 19.5103 as on 15-12-2017 || NPS TRUST A/C-KOTAK MAHINDRA PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 18.4214 as on 15-12-2017 || KOTAK PENSION FUND SCHEME A - TIER I - 10.6431 as on 15-12-2017 || KOTAK PENSION FUND SCHEME A - TIER II - 10 as on 15-12-2017 || RELIANCE PENSION FUND SCHEME E - TIER I - 25.578 as on 15-12-2017 || RELIANCE PENSION FUND SCHEME C - TIER I - 21.94 as on 15-12-2017 || RELIANCE PENSION FUND SCHEME G - TIER I - 20.2925 as on 15-12-2017 || RELIANCE PENSION FUND SCHEME E - TIER II - 21.8483 as on 15-12-2017 || RELIANCE PENSION FUND SCHEME C - TIER II - 20.4291 as on 15-12-2017 || RELIANCE PENSION FUND SCHEME G - TIER II - 19.7087 as on 15-12-2017 || NPS TRUST A/C-RELIANCE CAPITAL PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 10 as on 15-12-2017 || RELIANCE PENSION FUND SCHEME A - TIER I - 10.6728 as on 15-12-2017 || RELIANCE PENSION FUND SCHEME A - TIER II - 10 as on 15-12-2017 || ICICI PRUDENTIAL PENSION FUND SCHEME E - TIER I - 27.1618 as on 15-12-2017 || ICICI PRUDENTIAL PENSION FUND SCHEME C - TIER I - 24.4183 as on 15-12-2017 || ICICI PRUDENTIAL PENSION FUND SCHEME G - TIER I - 20.8841 as on 15-12-2017 || ICICI PRUDENTIAL PENSION FUND SCHEME E - TIER II - 21.4038 as on 15-12-2017 || ICICI PRUDENTIAL PENSION FUND SCHEME C - TIER II - 22.7596 as on 15-12-2017 || ICICI PRUDENTIAL PENSION FUND SCHEME G - TIER II - 20.0169 as on 15-12-2017 || NPS TRUST A/C-ICICI PRUDENTIAL PENSION FUNDS MANAGEMENT COMPANY LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 10 as on 15-12-2017 || ICICI PRUDENTIAL PENSION FUND SCHEME A - TIER I - 10.7522 as on 15-12-2017 || ICICI PRUDENTIAL PENSION FUND SCHEME A - TIER II - 10 as on 15-12-2017 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME E - TIER I - 20.0829 as on 15-12-2017 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME C - TIER I - 15.8568 as on 15-12-2017 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME G - TIER I - 15.4486 as on 15-12-2017 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME E - TIER II - 17.3936 as on 15-12-2017 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME C - TIER II - 14.9546 as on 15-12-2017 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME G - TIER II - 15.7748 as on 15-12-2017 || NPS TRUST A/C-HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME - NPS LITE SCHEME - GOVT. PATTERN - 10 as on 15-12-2017 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME A - TIER I - 11.0206 as on 15-12-2017 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME A - TIER II - 10 as on 15-12-2017 || BIRLA SUN LIFE PENSION SCHEME E - TIER I - 11.2261 as on 15-12-2017 || BIRLA SUN LIFE PENSION SCHEME C - TIER I - 10.7555 as on 15-12-2017 || BIRLA SUN LIFE PENSION SCHEME G - TIER I - 10.386 as on 15-12-2017 || BIRLA SUN LIFE PENSION SCHEME A - TIER I - 10.3746 as on 15-12-2017 || BIRLA SUN LIFE PENSION SCHEME E - TIER II - 11.2148 as on 15-12-2017 || BIRLA SUN LIFE PENSION SCHEME C - TIER II - 10.4812 as on 15-12-2017 || BIRLA SUN LIFE PENSION SCHEME G - TIER II - 10.0507 as on 15-12-2017 || BIRLA SUN LIFE PENSION SCHEME A - TIER II - 10 as on 15-12-2017

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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.