SBI PENSION FUND SCHEME - CENTRAL GOVT - 26.2346 as on 23-10-2018 || SBI PENSION FUND SCHEME - STATE GOVT - 22.5473 as on 23-10-2018 || SBI PENSION FUND SCHEME E - TIER I - 22.635 as on 23-10-2018 || SBI PENSION FUND SCHEME C - TIER I - 24.9981 as on 23-10-2018 || SBI PENSION FUND SCHEME G - TIER I - 22.8147 as on 23-10-2018 || SBI PENSION FUND SCHEME E - TIER II - 20.8677 as on 23-10-2018 || SBI PENSION FUND SCHEME C - TIER II - 22.8637 as on 23-10-2018 || SBI PENSION FUND SCHEME G - TIER II - 21.8125 as on 23-10-2018 || NPS TRUST A/C-SBI PENSION FUNDS PRIVATE LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 21.2804 as on 23-10-2018 || SBI PENSION FUNDS PVT. LTD. SCHEME - CORPORATE-CG - 16.7526 as on 23-10-2018 || NPS TRUST - A/C SBI PENSION FUND SCHEME - ATAL PENSION YOJANA (APY) - 12.6972 as on 23-10-2018 || SBI PENSION FUND SCHEME A - TIER I - 11.3365 as on 23-10-2018 || SBI PENSION FUND SCHEME A - TIER II - 20 as on 23-10-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME- CENTRAL GOVT - 25.4262 as on 23-10-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME- STATE GOVT - 22.6362 as on 23-10-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME E - TIER I - 26.3319 as on 23-10-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME C - TIER I - 22.463 as on 23-10-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME G - TIER I - 20.5623 as on 23-10-2018 || UTI RETIREMENT SOLUTIONS SCHEME E - TIER II - 21.4821 as on 23-10-2018 || UTI RETIREMENT SOLUTIONS SCHEME C - TIER II - 21.5414 as on 23-10-2018 || UTI RETIREMENT SOLUTIONS SCHEME G - TIER II - 21.0647 as on 23-10-2018 || NPS TRUST A/C-UTI RETIREMENT SOLUTIONS LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 21.15 as on 23-10-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME - CORPORATE-CG - 10 as on 23-10-2018 || NPS TRUST - A/C UTI RETIREMENT SOLUTIONS LTD. SCHEME - ATAL PENSION YOJANA (APY) - 12.979 as on 23-10-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME A - TIER I - 11.441 as on 23-10-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME A - TIER II - 10 as on 23-10-2018 || LIC PENSION FUND SCHEME - CENTRAL GOVT - 25.4961 as on 23-10-2018 || LIC PENSION FUND SCHEME - STATE GOVT - 22.7415 as on 23-10-2018 || NPS TRUST A/C-LIC PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 21.0525 as on 23-10-2018 || LIC PENSION FUND LIMITED SCHEME - CORPORATE-CG - 16.7135 as on 23-10-2018 || LIC PENSION FUND SCHEME E - TIER I - 17.1921 as on 23-10-2018 || LIC PENSION FUND SCHEME C - TIER I - 16.0664 as on 23-10-2018 || LIC PENSION FUND SCHEME G - TIER I - 16.5945 as on 23-10-2018 || LIC PENSION FUND SCHEME E - TIER II - 14.3283 as on 23-10-2018 || LIC PENSION FUND SCHEME C - TIER II - 15.0085 as on 23-10-2018 || LIC PENSION FUND SCHEME G - TIER II - 16.7007 as on 23-10-2018 || NPS TRUST - A/C LIC PENSION FUND SCHEME - ATAL PENSION YOJANA (APY) - 12.875 as on 23-10-2018 || LIC PENSION FUND SCHEME A - TIER I - 11.3958 as on 23-10-2018 || LIC PENSION FUND SCHEME A - TIER II - 10 as on 23-10-2018 || KOTAK PENSION FUND SCHEME E - TIER I - 24.0664 as on 23-10-2018 || KOTAK PENSION FUND SCHEME C - TIER I - 24.6537 as on 23-10-2018 || KOTAK PENSION FUND SCHEME G - TIER I - 20.9418 as on 23-10-2018 || KOTAK PENSION FUND SCHEME E - TIER II - 21.3307 as on 23-10-2018 || KOTAK PENSION FUND SCHEME C - TIER II - 21.2402 as on 23-10-2018 || KOTAK PENSION FUND SCHEME G - TIER II - 19.7017 as on 23-10-2018 || NPS TRUST A/C-KOTAK MAHINDRA PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 18.4874 as on 23-10-2018 || KOTAK PENSION FUND SCHEME A - TIER I - 10.8919 as on 23-10-2018 || KOTAK PENSION FUND SCHEME A - TIER II - 10 as on 23-10-2018 || RELIANCE PENSION FUND SCHEME E - TIER I - 24.085 as on 23-10-2018 || RELIANCE PENSION FUND SCHEME C - TIER I - 22.4102 as on 23-10-2018 || RELIANCE PENSION FUND SCHEME G - TIER I - 20.5144 as on 23-10-2018 || RELIANCE PENSION FUND SCHEME E - TIER II - 20.6529 as on 23-10-2018 || RELIANCE PENSION FUND SCHEME C - TIER II - 20.8899 as on 23-10-2018 || RELIANCE PENSION FUND SCHEME G - TIER II - 19.9749 as on 23-10-2018 || NPS TRUST A/C-RELIANCE CAPITAL PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 10 as on 23-10-2018 || RELIANCE PENSION FUND SCHEME A - TIER I - 11.3438 as on 23-10-2018 || RELIANCE PENSION FUND SCHEME A - TIER II - 10 as on 23-10-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME E - TIER I - 26.1363 as on 23-10-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME C - TIER I - 25.0136 as on 23-10-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME G - TIER I - 21.2142 as on 23-10-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME E - TIER II - 20.6182 as on 23-10-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME C - TIER II - 23.2788 as on 23-10-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME G - TIER II - 20.3403 as on 23-10-2018 || NPS TRUST A/C-ICICI PRUDENTIAL PENSION FUNDS MANAGEMENT COMPANY LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 10 as on 23-10-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME A - TIER I - 11.0552 as on 23-10-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME A - TIER II - 10 as on 23-10-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME E - TIER I - 19.4652 as on 23-10-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME C - TIER I - 16.1739 as on 23-10-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME G - TIER I - 15.6622 as on 23-10-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME E - TIER II - 16.819 as on 23-10-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME C - TIER II - 15.2938 as on 23-10-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME G - TIER II - 15.9901 as on 23-10-2018 || NPS TRUST A/C-HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME - NPS LITE SCHEME - GOVT. PATTERN - 10 as on 23-10-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME A - TIER I - 11.2465 as on 23-10-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME A - TIER II - 10 as on 23-10-2018 || BIRLA SUN LIFE PENSION SCHEME E - TIER I - 10.8822 as on 23-10-2018 || BIRLA SUN LIFE PENSION SCHEME C - TIER I - 10.9959 as on 23-10-2018 || BIRLA SUN LIFE PENSION SCHEME G - TIER I - 10.5362 as on 23-10-2018 || BIRLA SUN LIFE PENSION SCHEME A - TIER I - 11.024 as on 23-10-2018 || BIRLA SUN LIFE PENSION SCHEME E - TIER II - 10.8467 as on 23-10-2018 || BIRLA SUN LIFE PENSION SCHEME C - TIER II - 10.7172 as on 23-10-2018 || BIRLA SUN LIFE PENSION SCHEME G - TIER II - 10.1548 as on 23-10-2018 || BIRLA SUN LIFE PENSION SCHEME A - TIER II - 10 as on 23-10-2018 ||

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General

A pension provides people with a monthly income when they are no longer earning.

Need for Pension:

  • One is not as productive in the old age as in youth.
  • The rise of nuclear family –Migration of younger earning members.
  • Rise in cost of living
  • Increased longevity

Assured monthly income ensures dignified life in old age.

"NPS -Swavalamban Model" is designed to ensure ultra-low administrative and transactional costs, so as to make small investments viable.

Swavalamban Yojana is a scheme announced by the Government of India under which Government will contribute Rs. 1000 per year to each NPS – Swavalamban account opened in year 2010-2011,2011-2012 ,2012-2013 for five years as under.

  • Account opened in 2010-2011 will get the benefit till 2014-2015
  • Account opened in 2011-2012 will get the benefit till 2015-2016
  • Account opened in 2012-2013 will get the benefit till 2016-2017

NPS – Swavalamban account opened in the period 2013-2014 to 2016-2017 will get the Swavalamban benefit up to 2016-17.

Distinguishing Features of NPS -Swavalamban:

  • Voluntary - Open to eligible citizens of India, in the age group of 18–60 years. Subscriber is free to choose the amount he/she wants to invest every year.
  • Simple - Eligible individuals in the unorganized sector can open an account through their Aggregator and get an Individual subscriber (NPS - Swavalamban) Account.
  • Safe - Regulated by PFRDA, with transparent investment norms, regular monitoring and performance review of fund managers by NPS Trust.
  • Economical - Ultra-low cost structure with no minimum amount required per annum or per contribution.

NPS - Swavalamban is a pension product to ensure a monthly income after the retirement age has been attained.

NPS - Swavalamban invests a portion of the contributions in the equity (stock) market and hence there are possibilities of returns much higher than what banks & similar financial institutions are able to offer. A portion of the corpus is invested in equity markets which enables the corpus to grow quickly. However, unlike other equity based investment schemes where risk of losing the money is high, in NPS - Swavalamban; the risk is reduced considerably as up to 55% of money is invested in Government securities and up to 40% in corporate bonds.

The Swavalamban Scheme is a Govt. of India incentive for unorganized sector. This is a pension scheme available to provide the retirement benefit to unorganized sector and under this scheme, the Govt. of India will contribute Rs.1000/- per year to every NPS-Swavalamban account provided the contribution is between Rs.1000/-to Rs.12000/- per year.

The contribution into NPS - Swavalamban is an investment for the future income for a Subscriber's family. A Subscriber receives pension based on accumulated contribution out of his/her current income. Since the pension is received when the Subscriber is not working, a longer period of investment would ensure a larger corpus being invested and hence higher pension returns during old age. Longer duration of investment in NPS –Swavalamban ensures that high benefits accrue for long periods.