SBI PENSION FUND SCHEME - CENTRAL GOVT - 26.2503 as on 17-09-2018 || SBI PENSION FUND SCHEME - STATE GOVT - 22.5191 as on 17-09-2018 || SBI PENSION FUND SCHEME E - TIER I - 25.3096 as on 17-09-2018 || SBI PENSION FUND SCHEME C - TIER I - 24.7247 as on 17-09-2018 || SBI PENSION FUND SCHEME G - TIER I - 22.3775 as on 17-09-2018 || SBI PENSION FUND SCHEME E - TIER II - 23.3452 as on 17-09-2018 || SBI PENSION FUND SCHEME C - TIER II - 22.6293 as on 17-09-2018 || SBI PENSION FUND SCHEME G - TIER II - 21.3902 as on 17-09-2018 || NPS TRUST A/C-SBI PENSION FUNDS PRIVATE LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 21.329 as on 17-09-2018 || SBI PENSION FUNDS PVT. LTD. SCHEME - CORPORATE-CG - 16.721 as on 17-09-2018 || NPS TRUST - A/C SBI PENSION FUND SCHEME - ATAL PENSION YOJANA (APY) - 12.6594 as on 17-09-2018 || SBI PENSION FUND SCHEME A - TIER I - 11.2736 as on 17-09-2018 || SBI PENSION FUND SCHEME A - TIER II - 20 as on 17-09-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME- CENTRAL GOVT - 25.4819 as on 17-09-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME- STATE GOVT - 22.6799 as on 17-09-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME E - TIER I - 29.5965 as on 17-09-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME C - TIER I - 22.1945 as on 17-09-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME G - TIER I - 20.1528 as on 17-09-2018 || UTI RETIREMENT SOLUTIONS SCHEME E - TIER II - 24.1167 as on 17-09-2018 || UTI RETIREMENT SOLUTIONS SCHEME C - TIER II - 21.2895 as on 17-09-2018 || UTI RETIREMENT SOLUTIONS SCHEME G - TIER II - 20.6714 as on 17-09-2018 || NPS TRUST A/C-UTI RETIREMENT SOLUTIONS LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 21.183 as on 17-09-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME - CORPORATE-CG - 10 as on 17-09-2018 || NPS TRUST - A/C UTI RETIREMENT SOLUTIONS LTD. SCHEME - ATAL PENSION YOJANA (APY) - 13.0014 as on 17-09-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME A - TIER I - 11.3567 as on 17-09-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME A - TIER II - 10 as on 17-09-2018 || LIC PENSION FUND SCHEME - CENTRAL GOVT - 25.5384 as on 17-09-2018 || LIC PENSION FUND SCHEME - STATE GOVT - 22.7782 as on 17-09-2018 || NPS TRUST A/C-LIC PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 21.0804 as on 17-09-2018 || LIC PENSION FUND LIMITED SCHEME - CORPORATE-CG - 16.7358 as on 17-09-2018 || LIC PENSION FUND SCHEME E - TIER I - 19.2758 as on 17-09-2018 || LIC PENSION FUND SCHEME C - TIER I - 15.8843 as on 17-09-2018 || LIC PENSION FUND SCHEME G - TIER I - 16.2407 as on 17-09-2018 || LIC PENSION FUND SCHEME E - TIER II - 16.0479 as on 17-09-2018 || LIC PENSION FUND SCHEME C - TIER II - 14.8303 as on 17-09-2018 || LIC PENSION FUND SCHEME G - TIER II - 16.3136 as on 17-09-2018 || NPS TRUST - A/C LIC PENSION FUND SCHEME - ATAL PENSION YOJANA (APY) - 12.8953 as on 17-09-2018 || LIC PENSION FUND SCHEME A - TIER I - 11.3069 as on 17-09-2018 || LIC PENSION FUND SCHEME A - TIER II - 10 as on 17-09-2018 || KOTAK PENSION FUND SCHEME E - TIER I - 26.9463 as on 17-09-2018 || KOTAK PENSION FUND SCHEME C - TIER I - 24.4044 as on 17-09-2018 || KOTAK PENSION FUND SCHEME G - TIER I - 20.5668 as on 17-09-2018 || KOTAK PENSION FUND SCHEME E - TIER II - 23.8531 as on 17-09-2018 || KOTAK PENSION FUND SCHEME C - TIER II - 21.0128 as on 17-09-2018 || KOTAK PENSION FUND SCHEME G - TIER II - 19.3402 as on 17-09-2018 || NPS TRUST A/C-KOTAK MAHINDRA PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 18.5334 as on 17-09-2018 || KOTAK PENSION FUND SCHEME A - TIER I - 10.6633 as on 17-09-2018 || KOTAK PENSION FUND SCHEME A - TIER II - 10 as on 17-09-2018 || RELIANCE PENSION FUND SCHEME E - TIER I - 26.9888 as on 17-09-2018 || RELIANCE PENSION FUND SCHEME C - TIER I - 22.1808 as on 17-09-2018 || RELIANCE PENSION FUND SCHEME G - TIER I - 20.1483 as on 17-09-2018 || RELIANCE PENSION FUND SCHEME E - TIER II - 23.2036 as on 17-09-2018 || RELIANCE PENSION FUND SCHEME C - TIER II - 20.6953 as on 17-09-2018 || RELIANCE PENSION FUND SCHEME G - TIER II - 19.6108 as on 17-09-2018 || NPS TRUST A/C-RELIANCE CAPITAL PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 10 as on 17-09-2018 || RELIANCE PENSION FUND SCHEME A - TIER I - 11.2615 as on 17-09-2018 || RELIANCE PENSION FUND SCHEME A - TIER II - 10 as on 17-09-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME E - TIER I - 29.4938 as on 17-09-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME C - TIER I - 24.7353 as on 17-09-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME G - TIER I - 20.8086 as on 17-09-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME E - TIER II - 23.2497 as on 17-09-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME C - TIER II - 23.0247 as on 17-09-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME G - TIER II - 19.9474 as on 17-09-2018 || NPS TRUST A/C-ICICI PRUDENTIAL PENSION FUNDS MANAGEMENT COMPANY LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 10 as on 17-09-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME A - TIER I - 10.9609 as on 17-09-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME A - TIER II - 10 as on 17-09-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME E - TIER I - 21.9524 as on 17-09-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME C - TIER I - 16.0146 as on 17-09-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME G - TIER I - 15.3689 as on 17-09-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME E - TIER II - 18.9667 as on 17-09-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME C - TIER II - 15.1367 as on 17-09-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME G - TIER II - 15.6893 as on 17-09-2018 || NPS TRUST A/C-HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME - NPS LITE SCHEME - GOVT. PATTERN - 10 as on 17-09-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME A - TIER I - 11.2211 as on 17-09-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME A - TIER II - 10 as on 17-09-2018 || BIRLA SUN LIFE PENSION SCHEME E - TIER I - 12.2905 as on 17-09-2018 || BIRLA SUN LIFE PENSION SCHEME C - TIER I - 10.8784 as on 17-09-2018 || BIRLA SUN LIFE PENSION SCHEME G - TIER I - 10.3286 as on 17-09-2018 || BIRLA SUN LIFE PENSION SCHEME A - TIER I - 10.9428 as on 17-09-2018 || BIRLA SUN LIFE PENSION SCHEME E - TIER II - 12.2627 as on 17-09-2018 || BIRLA SUN LIFE PENSION SCHEME C - TIER II - 10.618 as on 17-09-2018 || BIRLA SUN LIFE PENSION SCHEME G - TIER II - 9.9666 as on 17-09-2018 || BIRLA SUN LIFE PENSION SCHEME A - TIER II - 10 as on 17-09-2018 ||

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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.