SBI PENSION FUND SCHEME - CENTRAL GOVT - 27.3481 as on 14-12-2018 || SBI PENSION FUND SCHEME - STATE GOVT - 23.4836 as on 14-12-2018 || SBI PENSION FUND SCHEME E - TIER I - 24.138 as on 14-12-2018 || SBI PENSION FUND SCHEME C - TIER I - 25.5364 as on 14-12-2018 || SBI PENSION FUND SCHEME G - TIER I - 24.0273 as on 14-12-2018 || SBI PENSION FUND SCHEME E - TIER II - 22.2572 as on 14-12-2018 || SBI PENSION FUND SCHEME C - TIER II - 23.3525 as on 14-12-2018 || SBI PENSION FUND SCHEME G - TIER II - 22.9144 as on 14-12-2018 || NPS TRUST A/C-SBI PENSION FUNDS PRIVATE LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 22.208 as on 14-12-2018 || SBI PENSION FUNDS PVT. LTD. SCHEME - CORPORATE-CG - 17.4352 as on 14-12-2018 || NPS TRUST - A/C SBI PENSION FUND SCHEME - ATAL PENSION YOJANA (APY) - 13.2163 as on 14-12-2018 || SBI PENSION FUND SCHEME A - TIER I - 11.6199 as on 14-12-2018 || SBI PENSION FUND SCHEME A - TIER II - 20 as on 14-12-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME- CENTRAL GOVT - 26.5181 as on 14-12-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME- STATE GOVT - 23.5989 as on 14-12-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME E - TIER I - 28.1297 as on 14-12-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME C - TIER I - 22.9641 as on 14-12-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME G - TIER I - 21.5354 as on 14-12-2018 || UTI RETIREMENT SOLUTIONS SCHEME E - TIER II - 22.9331 as on 14-12-2018 || UTI RETIREMENT SOLUTIONS SCHEME C - TIER II - 22.0071 as on 14-12-2018 || UTI RETIREMENT SOLUTIONS SCHEME G - TIER II - 22.1478 as on 14-12-2018 || NPS TRUST A/C-UTI RETIREMENT SOLUTIONS LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 22.0445 as on 14-12-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME - CORPORATE-CG - 10 as on 14-12-2018 || NPS TRUST - A/C UTI RETIREMENT SOLUTIONS LTD. SCHEME - ATAL PENSION YOJANA (APY) - 13.531 as on 14-12-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME A - TIER I - 11.5639 as on 14-12-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME A - TIER II - 10 as on 14-12-2018 || LIC PENSION FUND SCHEME - CENTRAL GOVT - 26.6202 as on 14-12-2018 || LIC PENSION FUND SCHEME - STATE GOVT - 23.7588 as on 14-12-2018 || NPS TRUST A/C-LIC PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 21.9926 as on 14-12-2018 || LIC PENSION FUND LIMITED SCHEME - CORPORATE-CG - 17.4738 as on 14-12-2018 || LIC PENSION FUND SCHEME E - TIER I - 18.2791 as on 14-12-2018 || LIC PENSION FUND SCHEME C - TIER I - 16.4392 as on 14-12-2018 || LIC PENSION FUND SCHEME G - TIER I - 17.6119 as on 14-12-2018 || LIC PENSION FUND SCHEME E - TIER II - 15.3074 as on 14-12-2018 || LIC PENSION FUND SCHEME C - TIER II - 15.37 as on 14-12-2018 || LIC PENSION FUND SCHEME G - TIER II - 17.7434 as on 14-12-2018 || NPS TRUST - A/C LIC PENSION FUND SCHEME - ATAL PENSION YOJANA (APY) - 13.4566 as on 14-12-2018 || LIC PENSION FUND SCHEME A - TIER I - 11.5436 as on 14-12-2018 || LIC PENSION FUND SCHEME A - TIER II - 10 as on 14-12-2018 || KOTAK PENSION FUND SCHEME E - TIER I - 25.4783 as on 14-12-2018 || KOTAK PENSION FUND SCHEME C - TIER I - 25.1123 as on 14-12-2018 || KOTAK PENSION FUND SCHEME G - TIER I - 22.1097 as on 14-12-2018 || KOTAK PENSION FUND SCHEME E - TIER II - 22.5769 as on 14-12-2018 || KOTAK PENSION FUND SCHEME C - TIER II - 21.6986 as on 14-12-2018 || KOTAK PENSION FUND SCHEME G - TIER II - 20.6731 as on 14-12-2018 || NPS TRUST A/C-KOTAK MAHINDRA PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 19.1938 as on 14-12-2018 || KOTAK PENSION FUND SCHEME A - TIER I - 11.1857 as on 14-12-2018 || KOTAK PENSION FUND SCHEME A - TIER II - 10 as on 14-12-2018 || RELIANCE PENSION FUND SCHEME E - TIER I - 25.7604 as on 14-12-2018 || RELIANCE PENSION FUND SCHEME C - TIER I - 22.921 as on 14-12-2018 || RELIANCE PENSION FUND SCHEME G - TIER I - 21.5904 as on 14-12-2018 || RELIANCE PENSION FUND SCHEME E - TIER II - 22.0125 as on 14-12-2018 || RELIANCE PENSION FUND SCHEME C - TIER II - 21.3616 as on 14-12-2018 || RELIANCE PENSION FUND SCHEME G - TIER II - 20.8463 as on 14-12-2018 || NPS TRUST A/C-RELIANCE CAPITAL PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 10 as on 14-12-2018 || RELIANCE PENSION FUND SCHEME A - TIER I - 11.4679 as on 14-12-2018 || RELIANCE PENSION FUND SCHEME A - TIER II - 10 as on 14-12-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME E - TIER I - 27.7889 as on 14-12-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME C - TIER I - 25.5654 as on 14-12-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME G - TIER I - 22.289 as on 14-12-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME E - TIER II - 21.9204 as on 14-12-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME C - TIER II - 23.78 as on 14-12-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME G - TIER II - 21.3637 as on 14-12-2018 || NPS TRUST A/C-ICICI PRUDENTIAL PENSION FUNDS MANAGEMENT COMPANY LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 10 as on 14-12-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME A - TIER I - 11.3447 as on 14-12-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME A - TIER II - 10 as on 14-12-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME E - TIER I - 20.8324 as on 14-12-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME C - TIER I - 16.5172 as on 14-12-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME G - TIER I - 16.5176 as on 14-12-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME E - TIER II - 18.0103 as on 14-12-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME C - TIER II - 15.6194 as on 14-12-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME G - TIER II - 16.8649 as on 14-12-2018 || NPS TRUST A/C-HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME - NPS LITE SCHEME - GOVT. PATTERN - 10 as on 14-12-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME A - TIER I - 11.5631 as on 14-12-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME A - TIER II - 10 as on 14-12-2018 || BIRLA SUN LIFE PENSION SCHEME E - TIER I - 11.6132 as on 14-12-2018 || BIRLA SUN LIFE PENSION SCHEME C - TIER I - 11.237 as on 14-12-2018 || BIRLA SUN LIFE PENSION SCHEME G - TIER I - 11.0615 as on 14-12-2018 || BIRLA SUN LIFE PENSION SCHEME A - TIER I - 11.1431 as on 14-12-2018 || BIRLA SUN LIFE PENSION SCHEME E - TIER II - 11.5584 as on 14-12-2018 || BIRLA SUN LIFE PENSION SCHEME C - TIER II - 10.9499 as on 14-12-2018 || BIRLA SUN LIFE PENSION SCHEME G - TIER II - 10.6777 as on 14-12-2018 || BIRLA SUN LIFE PENSION SCHEME A - TIER II - 10 as on 14-12-2018 ||

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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.