Entities Involved
SBI PENSION FUND SCHEME - CENTRAL GOVT - 26.4533 as on 14-08-2018 || SBI PENSION FUND SCHEME - STATE GOVT - 22.6985 as on 14-08-2018 || SBI PENSION FUND SCHEME E - TIER I - 25.3408 as on 14-08-2018 || SBI PENSION FUND SCHEME C - TIER I - 24.8547 as on 14-08-2018 || SBI PENSION FUND SCHEME G - TIER I - 22.6182 as on 14-08-2018 || SBI PENSION FUND SCHEME E - TIER II - 23.3717 as on 14-08-2018 || SBI PENSION FUND SCHEME C - TIER II - 22.7221 as on 14-08-2018 || SBI PENSION FUND SCHEME G - TIER II - 21.6014 as on 14-08-2018 || NPS TRUST A/C-SBI PENSION FUNDS PRIVATE LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 21.4874 as on 14-08-2018 || SBI PENSION FUNDS PVT. LTD. SCHEME - CORPORATE-CG - 16.8503 as on 14-08-2018 || NPS TRUST - A/C SBI PENSION FUND SCHEME - ATAL PENSION YOJANA (APY) - 12.7551 as on 14-08-2018 || SBI PENSION FUND SCHEME A - TIER I - 11.3826 as on 14-08-2018 || SBI PENSION FUND SCHEME A - TIER II - 20 as on 14-08-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME- CENTRAL GOVT - 25.7329 as on 14-08-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME- STATE GOVT - 22.9072 as on 14-08-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME E - TIER I - 29.7378 as on 14-08-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME C - TIER I - 22.468 as on 14-08-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME G - TIER I - 20.3712 as on 14-08-2018 || UTI RETIREMENT SOLUTIONS SCHEME E - TIER II - 24.1911 as on 14-08-2018 || UTI RETIREMENT SOLUTIONS SCHEME C - TIER II - 21.4802 as on 14-08-2018 || UTI RETIREMENT SOLUTIONS SCHEME G - TIER II - 20.9044 as on 14-08-2018 || NPS TRUST A/C-UTI RETIREMENT SOLUTIONS LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 21.3673 as on 14-08-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME - CORPORATE-CG - 10 as on 14-08-2018 || NPS TRUST - A/C UTI RETIREMENT SOLUTIONS LTD. SCHEME - ATAL PENSION YOJANA (APY) - 13.135 as on 14-08-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME A - TIER I - 11.2825 as on 14-08-2018 || UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME A - TIER II - 10 as on 14-08-2018 || LIC PENSION FUND SCHEME - CENTRAL GOVT - 25.7471 as on 14-08-2018 || LIC PENSION FUND SCHEME - STATE GOVT - 22.9789 as on 14-08-2018 || NPS TRUST A/C-LIC PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 21.2126 as on 14-08-2018 || LIC PENSION FUND LIMITED SCHEME - CORPORATE-CG - 16.8673 as on 14-08-2018 || LIC PENSION FUND SCHEME E - TIER I - 19.1124 as on 14-08-2018 || LIC PENSION FUND SCHEME C - TIER I - 16.0115 as on 14-08-2018 || LIC PENSION FUND SCHEME G - TIER I - 16.4446 as on 14-08-2018 || LIC PENSION FUND SCHEME E - TIER II - 15.9016 as on 14-08-2018 || LIC PENSION FUND SCHEME C - TIER II - 15.0011 as on 14-08-2018 || LIC PENSION FUND SCHEME G - TIER II - 16.5183 as on 14-08-2018 || NPS TRUST - A/C LIC PENSION FUND SCHEME - ATAL PENSION YOJANA (APY) - 12.9978 as on 14-08-2018 || LIC PENSION FUND SCHEME A - TIER I - 11.2597 as on 14-08-2018 || LIC PENSION FUND SCHEME A - TIER II - 10 as on 14-08-2018 || KOTAK PENSION FUND SCHEME E - TIER I - 26.6665 as on 14-08-2018 || KOTAK PENSION FUND SCHEME C - TIER I - 24.7134 as on 14-08-2018 || KOTAK PENSION FUND SCHEME G - TIER I - 20.7731 as on 14-08-2018 || KOTAK PENSION FUND SCHEME E - TIER II - 23.5685 as on 14-08-2018 || KOTAK PENSION FUND SCHEME C - TIER II - 21.1948 as on 14-08-2018 || KOTAK PENSION FUND SCHEME G - TIER II - 19.5269 as on 14-08-2018 || NPS TRUST A/C-KOTAK MAHINDRA PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 18.6757 as on 14-08-2018 || KOTAK PENSION FUND SCHEME A - TIER I - 10.898 as on 14-08-2018 || KOTAK PENSION FUND SCHEME A - TIER II - 10 as on 14-08-2018 || RELIANCE PENSION FUND SCHEME E - TIER I - 26.7458 as on 14-08-2018 || RELIANCE PENSION FUND SCHEME C - TIER I - 22.2938 as on 14-08-2018 || RELIANCE PENSION FUND SCHEME G - TIER I - 20.3668 as on 14-08-2018 || RELIANCE PENSION FUND SCHEME E - TIER II - 22.9612 as on 14-08-2018 || RELIANCE PENSION FUND SCHEME C - TIER II - 20.7848 as on 14-08-2018 || RELIANCE PENSION FUND SCHEME G - TIER II - 19.778 as on 14-08-2018 || NPS TRUST A/C-RELIANCE CAPITAL PENSION FUND LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 10 as on 14-08-2018 || RELIANCE PENSION FUND SCHEME A - TIER I - 11.1881 as on 14-08-2018 || RELIANCE PENSION FUND SCHEME A - TIER II - 10 as on 14-08-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME E - TIER I - 29.6171 as on 14-08-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME C - TIER I - 24.8394 as on 14-08-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME G - TIER I - 21.0073 as on 14-08-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME E - TIER II - 23.3524 as on 14-08-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME C - TIER II - 23.1197 as on 14-08-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME G - TIER II - 20.1335 as on 14-08-2018 || NPS TRUST A/C-ICICI PRUDENTIAL PENSION FUNDS MANAGEMENT COMPANY LIMITED- NPS LITE SCHEME - GOVT. PATTERN - 10 as on 14-08-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME A - TIER I - 11.0717 as on 14-08-2018 || ICICI PRUDENTIAL PENSION FUND SCHEME A - TIER II - 10 as on 14-08-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME E - TIER I - 22.115 as on 14-08-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME C - TIER I - 16.1198 as on 14-08-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME G - TIER I - 15.534 as on 14-08-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME E - TIER II - 19.1412 as on 14-08-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME C - TIER II - 15.212 as on 14-08-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME G - TIER II - 15.8487 as on 14-08-2018 || NPS TRUST A/C-HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME - NPS LITE SCHEME - GOVT. PATTERN - 10 as on 14-08-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME A - TIER I - 11.3438 as on 14-08-2018 || HDFC PENSION MANAGEMENT COMPANY LIMITED SCHEME A - TIER II - 10 as on 14-08-2018 || BIRLA SUN LIFE PENSION SCHEME E - TIER I - 12.3514 as on 14-08-2018 || BIRLA SUN LIFE PENSION SCHEME C - TIER I - 10.9539 as on 14-08-2018 || BIRLA SUN LIFE PENSION SCHEME G - TIER I - 10.4301 as on 14-08-2018 || BIRLA SUN LIFE PENSION SCHEME A - TIER I - 10.8719 as on 14-08-2018 || BIRLA SUN LIFE PENSION SCHEME E - TIER II - 12.3212 as on 14-08-2018 || BIRLA SUN LIFE PENSION SCHEME C - TIER II - 10.6579 as on 14-08-2018 || BIRLA SUN LIFE PENSION SCHEME G - TIER II - 10.0574 as on 14-08-2018 || BIRLA SUN LIFE PENSION SCHEME A - TIER II - 10 as on 14-08-2018 ||

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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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.