SBI PENSION FUND SCHEME - CENTRAL GOVT - 25.8762 as on 25-05-2018 || SBI PENSION FUND SCHEME - STATE GOVT - 22.2193 as on 25-05-2018 || SBI PENSION FUND SCHEME E - TIER I - 23.6513 as on 25-05-2018 || SBI PENSION FUND SCHEME C - TIER I - 24.387 as on 25-05-2018 || SBI PENSION FUND SCHEME G - TIER I - 22.2991 as on 25-05-2018 || SBI PENSION FUND SCHEME E - TIER II - 21.8105 as on 25-05-2018 || SBI PENSION FUND SCHEME C - TIER II - 22.3235 as on 25-05-2018 || SBI PENSION FUND SCHEME G - TIER II - 21.3011 as on 25-05-2018 || NPS TRUST A/C-SBI PENSION FUNDS PRIVATE LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 21.0014 as on 25-05-2018 || SBI PENSION FUNDS PVT. LTD. SCHEME - CORPORATE-CG - 16.4877 as on 25-05-2018 || NPS TRUST - A/C SBI PENSION FUND SCHEME - ATAL PENSION YOJANA (APY) - 12.474 as on 25-05-2018 || SBI PENSION FUND SCHEME A - TIER I - 11.1848 as on 25-05-2018 || SBI PENSION FUND SCHEME A - TIER II - 20 as on 25-05-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME- CENTRAL GOVT - 25.1323 as on 25-05-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME- STATE GOVT - 22.3765 as on 25-05-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME E - TIER I - 27.7485 as on 25-05-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME C - TIER I - 22.0682 as on 25-05-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME G - TIER I - 20.0747 as on 25-05-2018 || UTI RETIREMENT SOLUTIONS SCHEME E - TIER II - 22.5099 as on 25-05-2018 || UTI RETIREMENT SOLUTIONS SCHEME C - TIER II - 21.0911 as on 25-05-2018 || UTI RETIREMENT SOLUTIONS SCHEME G - TIER II - 20.6133 as on 25-05-2018 || NPS TRUST A/C-UTI RETIREMENT SOLUTIONS LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 20.8599 as on 25-05-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME - CORPORATE-CG - 10 as on 25-05-2018 || NPS TRUST - A/C UTI RETIREMENT SOLUTIONS LTD. SCHEME - ATAL PENSION YOJANA (APY) - 12.8156 as on 25-05-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME A - TIER I - 11.0981 as on 25-05-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME A - TIER II - 10 as on 25-05-2018 || LIC PENSION FUND SCHEME - CENTRAL GOVT - 25.1759 as on 25-05-2018 || LIC PENSION FUND SCHEME - STATE GOVT - 22.4797 as on 25-05-2018 || NPS TRUST A/C-LIC PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 20.7621 as on 25-05-2018 || LIC PENSION FUND LIMITED SCHEME - CORPORATE-CG - 16.5062 as on 25-05-2018 || LIC PENSION FUND SCHEME E - TIER I - 18.0352 as on 25-05-2018 || LIC PENSION FUND SCHEME C - TIER I - 15.7362 as on 25-05-2018 || LIC PENSION FUND SCHEME G - TIER I - 16.1851 as on 25-05-2018 || LIC PENSION FUND SCHEME E - TIER II - 15.0286 as on 25-05-2018 || LIC PENSION FUND SCHEME C - TIER II - 14.7428 as on 25-05-2018 || LIC PENSION FUND SCHEME G - TIER II - 16.2243 as on 25-05-2018 || NPS TRUST - A/C LIC PENSION FUND SCHEME - ATAL PENSION YOJANA (APY) - 12.7251 as on 25-05-2018 || LIC PENSION FUND SCHEME A - TIER I - 11.0509 as on 25-05-2018 || LIC PENSION FUND SCHEME A - TIER II - 10 as on 25-05-2018 || KOTAK PENSION FUND SCHEME E - TIER I - 25.268 as on 25-05-2018 || KOTAK PENSION FUND SCHEME C - TIER I - 24.2751 as on 25-05-2018 || KOTAK PENSION FUND SCHEME G - TIER I - 20.4671 as on 25-05-2018 || KOTAK PENSION FUND SCHEME E - TIER II - 22.3425 as on 25-05-2018 || KOTAK PENSION FUND SCHEME C - TIER II - 20.8339 as on 25-05-2018 || KOTAK PENSION FUND SCHEME G - TIER II - 19.2476 as on 25-05-2018 || NPS TRUST A/C-KOTAK MAHINDRA PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 18.3059 as on 25-05-2018 || KOTAK PENSION FUND SCHEME A - TIER I - 11.0535 as on 25-05-2018 || KOTAK PENSION FUND SCHEME A - TIER II - 10 as on 25-05-2018 || RELIANCE PENSION FUND SCHEME E - TIER I - 25.2185 as on 25-05-2018 || RELIANCE PENSION FUND SCHEME C - TIER I - 21.9493 as on 25-05-2018 || RELIANCE PENSION FUND SCHEME G - TIER I - 20.0959 as on 25-05-2018 || RELIANCE PENSION FUND SCHEME E - TIER II - 21.5974 as on 25-05-2018 || RELIANCE PENSION FUND SCHEME C - TIER II - 20.4522 as on 25-05-2018 || RELIANCE PENSION FUND SCHEME G - TIER II - 19.5245 as on 25-05-2018 || NPS TRUST A/C-RELIANCE CAPITAL PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 10 as on 25-05-2018 || RELIANCE PENSION FUND SCHEME A - TIER I - 11.0061 as on 25-05-2018 || RELIANCE PENSION FUND SCHEME A - TIER II - 10 as on 25-05-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME E - TIER I - 27.5625 as on 25-05-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME C - TIER I - 24.3869 as on 25-05-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME G - TIER I - 20.6912 as on 25-05-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME E - TIER II - 21.7401 as on 25-05-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME C - TIER II - 22.7083 as on 25-05-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME G - TIER II - 19.8451 as on 25-05-2018 || NPS TRUST A/C-ICICI PRUDENTIAL PENSION FUNDS MANAGEMENT COMPANY LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 10 as on 25-05-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME A - TIER I - 10.9928 as on 25-05-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME A - TIER II - 10 as on 25-05-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME E - TIER I - 20.5504 as on 25-05-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME C - TIER I - 15.8178 as on 25-05-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME G - TIER I - 15.2729 as on 25-05-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME E - TIER II - 17.7869 as on 25-05-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME C - TIER II - 14.9501 as on 25-05-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME G - TIER II - 15.6205 as on 25-05-2018 || NPS TRUST A/C-HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME - NPS LITE SCHEME - GOVT. PATTERN - 10 as on 25-05-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME A - TIER I - 11.3236 as on 25-05-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME A - TIER II - 10 as on 25-05-2018 || BIRLA SUN LIFE PENSION SCHEME E - TIER I - 11.4147 as on 25-05-2018 || BIRLA SUN LIFE PENSION SCHEME C - TIER I - 10.7599 as on 25-05-2018 || BIRLA SUN LIFE PENSION SCHEME G - TIER I - 10.2726 as on 25-05-2018 || BIRLA SUN LIFE PENSION SCHEME A - TIER I - 10.695 as on 25-05-2018 || BIRLA SUN LIFE PENSION SCHEME E - TIER II - 11.3829 as on 25-05-2018 || BIRLA SUN LIFE PENSION SCHEME C - TIER II - 10.4563 as on 25-05-2018 || BIRLA SUN LIFE PENSION SCHEME G - TIER II - 9.9185 as on 25-05-2018 || BIRLA SUN LIFE PENSION SCHEME A - TIER II - 10 as on 25-05-2018

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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.