Economy | 405
1 year ago

[Economy] New Pension Scheme, Swavalamban, NPS-lite, PFRDA: meaning, issues

CSAT कत्ल की सुबह

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What's New?नया क्या?
  1. Halltickets: UPSC,RBI,UPPSC
  2. Economic Survey POWERPOINT
    Nothing else on top priority
  3. CAPF-2014 answerkey after that
  1. What is PFRDA?
  2. Timeline:
  3. Two accounts
  4. NPS: Eligibility
  5. What is PRAN?
  6. Players in the NPS game
  7. NPS-lite
  8. Swavalamban Scheme
  9. Why NPS is not popular?
  10. Why Swavalamban/NPS-lite is not popular?
  11. NPS Corporate Sector Model
  12. Mock Questions

What is PFRDA?

  • Pension Fund Regulatory and Development Authority (PFRDA)
  • Union Government created this body via an executive order. (2003)
  • To regulate and develop the pension sector in India.
  • PFRDA is not a statutory body yet. (Because bill related to PFRDA is yet to be passed).

Timeline:

2003 PFRDA established
2004  (compulsory) New Pension System (NPS), for the new recruits in Government of India (except the armed forces).
2009 New Pension System (NPS) is opened up for any citizens in India who wanted to subscribe, even if they are not in Government service.

Just like we’ve NPS in India, In USA, they’ve a pension scheme for all citizens called “401 (K)”.

Two accounts

In New Pension scheme, there are two types of account

Tier-I Tier II
Compulsory for every subscriber Optional.You can open Tier II, only if you’ve opened a Tier I account first.
You cannot Premature withdraw money before retirement age. Can

NPS: Eligibility

Who can join? Who cannot join?
Any citizen of India (age 18-60) Below 18 and above 60
NRI can also join, if he has account in Indian bank.
  1. A person declared insolvent.
  2. Person of unsound mind.

What is PRAN?

  • When you subscribe to New pension scheme, you’re given a unique account number. Known as “Permanent Retirement Account Number (PRAN)”
  • Recall that UID/Aadhar also gives you a unique number. But there are differences:

Aadhar vs PRAN: Difference

UID/Aadhar

PRAN

Any resident of India Only Indian citizen
Any age Only 18-60
Free You’ve to make regular payments.
  • This number doesn’t give any benefits by itself.
  • It is upto an individual ministry / Department to use this number while giving some scholarship, subsidy, cash benefit etc.
PRAN number gives you pension.
Mentally-unsound and insolvent can get. Can’t.
Voluntary Compulsory for new recruits in Government service (minus armed forces).

Aadhar vs PRAN: Similarity

  1. For a private citizen, both are voluntary.
  2. NRI can apply for both.

Players in the NPS game

Subscriber Person who joins  for New pension scheme..
PFRDA Pension Fund Regulatory & Development Authority. Main boss for NPA.
CRA
  • Central record keeping agency.
  • National Securities Depository Limited (NSDL) works as the CRA for NPA. It maintains record of every subscriber, based on his PRAN number.
  • (recall this NSDL also works as a “Depository” and holds your securities (bonds,shares etc) in electronic (dematerialized) form.
Fund manager ICICI, UTI, SBI, Kotak etc are the fund managers for NPS.You can decide which fund manager you want to pick up.When you contribute money to NPS, it goes to these fund managers. They invest your money in following*

  1. Equities
  2. Debts (Corporate bonds+Government securities)

*You can decide how much you want to invest in each of them. (with some caveats).

NPS doesn’t provide “uniform” or “guaranteed” return on your investment. Why?

  1. It varies according to how much of your money is invested in Debt or Equity.
  2. You can only tell the fund manager how much % to invest in debt / equity but it is upto the fund manager whether he invests in company X or Company Y. Each fund manager has different preference for companies.

Thus different NPS account holders will end up earning different % on their investment. On the other hand, the EPFO (Employees’ provident Fund) offers uniform 8.5% interest rate to all account holders.

NPS-lite

  • So far you know that NPS was originally meant for Government employees. Later it was extend to all residents citizens of India. Let’s call that “NPS main”.
  • Government of India + PFRDA, also initiated another scheme called “NPS-lite”.
  • “NPS-lite” is meant for weaker and economically disadvantaged sections of society.
  • How is it different from the “main” NPS?

(main) NPS

NPS-lite

Target audience= (mostly) middle class and upwards. Poor and lower middle class.
You’ve to give minimum Rs.500 per contribution. Only Rs.100
You need to visit your agent/bank/fund manager/website and pay the money. An aggregator (e.g. NGO or Microfinance agent) will come to you and collect money.
you get to decide the proportion of money you want to invest debt vs equities (with some conditions). by default 85% of your money is invested in debt and 15% in equities.

Swavalamban Scheme

Started in
  • In 2010.
  • This scheme will run till 2016-17.
Target audience People working in  unorganized sector.
Condition?
  • They must contribute minimum Rs.1000 to maximum Rs.12000 per year into their NPS or NPS-lite account.
What is the benefit?
  • Government will contribute 1000 rupees in their NPS account each year.
  • They can exit early. (@age of 50 years or after being in the scheme for 20 years). while a  “normal” NPS subscriber cannot exit before age of 60.

Ok, everything sounds well and good with NPS but then

Why NPS is not popular?

Main reason = Commi$$ion.

  • Because NPS offers very low Commission to Fund managers (ICICI, SBI, UTI etc.)
  • So those players (ICICI, SBI) rather prefer to market their own pension, insurance, retirement plans rather than promoting NPS among their (regular) bank customers.
  • Same goes for financial advisor, insurance agents etc. They get more Commission by promoting pension/insurance/retirement plans of private companies to their clients compared to NPS.

Other reasons

  • In NPS, there are multiple actors: PFRDA, CRA and fund managers. NPS doesn’t offer uniform rate of return. Common people find this setup difficult and unsecure, unlike tried and trusted LIC or PPF.
  • Income Tax benefits under NPS are not significantly higher than the existing investment options.
  • NPS is not spending lot of money on ads with film stars / cricketers.

Why Swavalamban/NPS-lite is not popular?

Chindu @PFRDA chairman, I want you to subscribe more and more poor people in the Swabhiman pension scheme because elections are incoming.
PFRDA chairman Forgive me Sir but you’re confusing Swabhiman with Swavalamban.

  1. Swabhiman = provide banking facilities in remote rural areas
  2. Swavalamban= provide subsidy on NPS accounts for unorganized sector.
Chindu Ya ya Swabhiman, Swavalamban… whatever man….I’m not giving UPSC exam so I don’t need to worry about such things. Our job is to harass those aspirants with these catchy terms- not ourselves, Got it? Coming back to the main topic: I want you to get more and more poor people in whatever pension scheme we are running, because general elections are coming.
PFRDA chairman I already tried everything I could, but it’s just not working!
Chindu Then hold meetings Jholachhap NGOs and bogus microfinance companies and tell them to use their network of grassroot workers to form more self help groups (SHG) and get more and more subscribers.
PFRDA chairman It is Easier said than done because

  1. I don’t have sufficient staff to organize meetings / coordinate with those people.
  2. I don’t have any coercive powers like RBI or SEBI to make others dance on my tunes. Hell I’m not even a statutory organization yet!
  3. I cannot offer heavy commission to middlemen unlike those private sector pension and insurance firms.
  4. We could ask the state Governments to use their district and taluk level staff to increase penetration of Swavalamban, but the Non-congressi state Governments are simply not interested in promoting a pension scheme of Central Government despite the fact that we have not named this scheme it after Indira/Rajiv Gandhi! Or perhaps because Swavalamban doesn’t offer much corruption opportunities to state politicians and officials, unlike in MNREGA or Indira Awas Yojana, hence they’re not interested.
  5. Poor and lower middle class people don’t have lot of surplus income, especially in the times of inflation.
  6. You’re already opening bank accounts for rural poors, to give MNREGA payments, Direct cash transfer etc. so whatever surplus income they’ve, they’ll save it in bank accounts. Then they’ll have hardly any cash to invest in NPS!
Chindu Man Are you suggesting that I should stop MNREGA and Direct cash transfer so people can put more money in NPS????????
PFRDA Chairman You’re putting words in my mouth. But yes, sounds like a good idea.
Chindu Well it is definitely not a good idea sir-ji. Because MNREGA, Direct benefit transfer and food security act are the three main selling points of our party’s election campaign.

Jokes apart, when it comes to MCQs, DONOT make silly mistakes the schemes starting with “S”

Swavalamban

Government gives subsidy on NPS account of unorganized sector.

Swabhiman

Increase banking penetration in remote rural areas.

Sabla

(Rajiv Gandhi) Scheme for Empowerment of Adolescent GirlsGives them food, skill-training and health education.

Swadhar

This provides food, shelter, support, counseling to women in difficult circumstances e.g.

  1. destitute widows,
  2. women prisoners released from jail and without family support,
  3. women survivors of  natural disasters;
  4. rescued from brothels
  5. rape victims

Swajaldhara

Improving drinking water availability in the rural areas

STEP

Support to Training and Employment Programme.

NPS Corporate Sector Model

  • Started in 2011.
  • Helps firms in organized sector, to move their employees to the New pension scheme.

Mock Questions

  1. Correct Statement about NPS?
    1. Initially it was meant for employees in central service and armed forces.
    2. PFRDA, a statutory body, is responsible for implementation of NPS.
    3. Only nationalized banks can work as fund managers of NPS.
    4. None of above
  2. PRAN is the account number of _______ subscriber.
    1. EPFO
    2. ESIC
    3. NPS
    4. LIC
  3. Correct Chronology (older to newer)
    1. Swabhiman, NPS, Swavalamban
    2. NPS, Swavalamban, Swabhiman
    3. Swabhiman, Swavalamaban, NPS
    4. None of above
  4. An NRI is eligible for
    1. Aadhar card
    2. New pension scheme
    3. Voting from his respective constituency in India
    4. All of above
    5. None of above
  5. What is the purpose of Swavalamban scheme?
    1. Provide scholarships to poor girls pursing higher education
    2. Provide financial assistance to self help groups in rural areas.
    3. Increase subscription of NPS
    4. Improve banking penetration in rural areas
  6. What is the purpose of Swabhiman scheme?
    1. Provide scholarships to poor girls pursing higher education
    2. Provide financial assistance to self help groups in rural areas.
    3. Increase subscription of NPS
    4. Improve banking penetration in rural areas

Q7. Who among following, will definitely lose his job/position if he is declared insolvent?

  1. Central Vigilance Commissioner
  2. Chairman/ member of NHRC
  3. Judge of supreme court

Choices

  1. Only 1 and 2
  2. Only 2 and 3
  3. Only 1 and 3
  4. None of above

Q8. Correct statement

  1. Every NPS account holder is eligible for Aadhar.
  2. Every Aadhar card holder is eligible for NPS.

Choices:

  1. Only 1
  2. Only 2
  3. Both
  4. None

Q9. Incorrect Match

  1. Sabla: Widows
  2. Swabhiman: Physically Challenged
  3. Swavalamban: Unorganized Sector
  4. Swadhar: Women In Difficult Circumstances

Choices

  1. Only 2 and 3
  2. Only 1 and 2
  3. Only 3 and 4
  4. All of them

Mains

  1. Swavalamban (5m)
  2. Write a note on New Pension Scheme and its salient features (12m)
  3. Discuss various pension schemes launched by Government of India for the weaker sections of society. (15m)

Interview

  1. What are the flaws in NPS? If you were the chairman of PFRDA, how would you correct them?
  2. If LIC can be successful, why can’t NPS?
  3. Government shouldnot increase FDI in pension sector because it’ll hurt NPS. Agree/disagree?

Mrunal’s Recommended Booklist

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अब तक 405 कमेंट्स लिखी गयी

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        A government sponsored Pension scheme for the lower income group of the society.

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        For more details plz visit our website

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      what do u do?

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  23. chandra prakashmishra says:

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      what do u do?

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    • Sandeep Kumar Goel says:

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      how r u

      what do u do

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    • Sandeep Kumar Goel says:

      hello sir

      how r u

      what do u do

      I m promoting Central Govt. project NPS-Swavlamban PRAN CARD …..We are giving Pran Card Free of Cost alongwith a business opportunity to make upto 2000/- daily …..r u interested in making gud money by Indian Govt. Pension Scheme ????

      If yes, then plz visit my wall latest post at https://www.facebook.com/sandeep.goel.56 or u can also contact me at 9355817442

  27. kishor Das says:

    This is to highlight that we are having a social endeavour that we are working on

    NPS -LITE (PENSION SCHEME BY GOVT. OF INDIA)

    A government sponsored Pension scheme for the lower income group of the society.

    We are committed to build the future of peoples who strive meet their needs on daily basis.

    For more details plz visit our website

    http://nandalalmorality.in/projects.php

  28. Oshish kumar says:

    ओशिष कुमार साहु जिला धमतरी छ;ग; से, कृप्‍या र्मादर्शन करे क्‍या यह स्‍वालंबन पेंशन योजना के कार्य करने के लिए किसी गैर सरकारी संगठन को दिया गया है कृप्‍या इस विषय मे मेरा मार्ग दर्शन करने की कृपा करे

    • mukesh kumar says:

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    • Sandeep Kumar Goel says:

      hello sir

      how r u

      what do u do

      I m promoting Central Govt. project NPS-Swavlamban PRAN CARD …..We are giving Pran Card Free of Cost alongwith a business opportunity to make upto 2000/- daily …..r u interested in making gud money by Indian Govt. Pension Scheme ????

      If yes, then plz visit my wall latest post at https://www.facebook.com/sandeep.goel.56 or u can also contact me at 9355817442 after 6:30 pm

    • DINESH KUMAR KUMAWAT says:

      sir
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      contect-no.9571147495,8058457190

  29. pritam prakash says:

    Rs.2900 me nps account open karayen balance Rs2000 payen.one business kit {Rs900} & 50000 ka insurance. Iske alawa payen Behatarin carreare SAFE LIFE,SAFE FUTURE, SAFE FAMILY Aap pa sakte hai only 14 mahine me Rs. 90,00,000. Iske alawa aur Bahut kuchh. To FIR DER KYON AAJ JUDEN **FUTURE EXPRESS WAY SE CALL ME +919507217143

    • SANTOSH KUMAR (MD) future express way says:

      BHARAT SARKAR KI JAN KALYAN YOJANA SE JUDKAR AAP BHARATVASIYON KA BHAVISHYA SURAKSHIT KAREN .AUR AAP APANA FUTURE, LIFE,&FAMILY KO SAFE KARE. Thank you. Call ;-+919939911047 +919507217143 , +919709521960+919122651372.+919334913849.

    • mukesh kumar says:

      nps account open karayen Rs300 me balance Rs135 ka saath me Rs50000 ka insurance

  30. vikas singh says:

    plz.send the full informetion in pran card investment plan,
    SIR AGAR PRAN CARD YOJNA ME 60th YEAR TAK INVESTMENT KIYA TO 60 YEAR BAAD BENIFIT KYA MILEGA,PLZ SEND KARO FULL INFORMETION
    AND JOIN ME PRAN CARD YOJANA BUT BENIFIT FRIST

    Thanks for you :- vikas singh

    • mukesh kumar says:

      pran card me 60 ki age par use sara ammount mil gayega join karne ke liye call me 9045649766

    • Sandeep Kumar Goel says:

      Hello Vikas Jee

      1) अगर कोई 18 साल का व्यक्ति इस प्राण कार्ड (PRANCARD) मे सालाना सिर्फ 1000 रुपये भरता है तो भारत सरकार उसको हर साल 1000 रुपये का अनुदान (ग्रांट) देती है, साल के आखिर में इस 2000 (1000 +1000 ) रुपये पर उसे औसतन 12% ब्याज देती है, याने 1000 के सामने उसको 2240 मिले| इस तरह हर साल चक्रवर्ती ब्याज से उसका पैसा बढ़ता रहता है, जब ये 18 साल का व्यक्ति उसकी 60 साल की उम्र तक सिर्फ 43000/- रुपये इस प्राण कार्ड में जमा करता है तब सरकार के पास उसके लगभग 24,21,625/- जमा होते है. तब वो 61वे साल से मरते दम तक हर महीने लगभग 16,500/- की पेंशन का हक़दार बनता है.

      2) ये व्यक्ति अगर सालाना 12000/- प्राण कार्ड में जमा करता है, तब 60वे साल मे सरकार के पास उसके लगभग 1,57,40,562/- जमा होते है, तब वो 61वे साल से मरते दम तक हर महीने लगभग 1,05,000/- की पेंशन का हक़दार बनता है. अगर बीच मे ही उसकी मृत्यु हो जाय तो उसके परिवार को उसी समय उसका जमा पैसा ब्याज के साथ मिल जायेगा|

      For more information, plz visit my wall latest post at https://www.facebook.com/sandeep.goel.56 or u can also contact me at 9355817442 after 6:30 pm

  31. bhagirathi sahu says:

    SIR HELP ME AND CALL ME-78030310

  32. Kh.Ibomcha.Singh says:

    I shri Kh Ibomcha Singh working as a General Secretary of the Society for Advancement and Rual Development
    Activities SARDA Heibongpokpi Lamkhai was sending message-cum-comments to the PFRDA and Sagatrips also for enjoying as a Facilitation Centre or Agent under the PFRDA.unfortunately I could not receipt any good response from their kind.
    Now,I am very highly interested to know about the :- 1) How to join as an Agent of PFRDA 2) How to join to the Sagatrip, 3) How to get PRAN Card and intimate please regarding all the needful relevant Marketing plan for expedite on progress.
    Sincerely Yours,
    Kh.Ibomcha.Singh
    General Secretary,.Society for Advancement and Rural Development Activities
    Heibongpokpi Lamkhai/Lamsang,SPO Lamsang -795146,Imphal West District,Manipur State
    Contact No. 09862715604 email: [email protected]

  33. GAUTAM PAL says:

    please inform me swavalamban national pension system benifit at chattisgarh state

    • mukesh kumar says:

      chattisghar state me nps ke wark ke liye plz call me 09045649766

  34. BIPIN M SOLANKI says:

    namskar sir ya mem me gujrat ke dist-surendranagar ke gav visaadi su me nps ki sckim me kam karake paisa kamana chahata hu maine bahut mlm me kam kiya to krupaya muje comison plan reward vagere ke bare me bataye 09725050992

    • mukesh kumar says:

      bipin ji aap paisaa kamane ke saath apna career bhi bana sakte hai. call me 09045649766

  35. mayank chourey says:

    PRAN CARD kitne may banta hi

    • mukesh kumar says:

      pran card rs300 me banta hai or rs135 ka balance bhi milega.

    • mukesh kumar says:

      pran card rs300 me banta hai or rs135 ka balance bhi milega. call me 09045649766

  36. DINESH KUMAR KUMAWAT says:

    BHARAT SARKAR KI JAN KALYAN YOJANA SE JUDKAR AAP अगर कोई 18 साल का व्यक्ति इस प्राण कार्ड (PRANCARD) मे सालाना सिर्फ 1000 रुपये भरता है तो भारत सरकार उसको हर साल 1000 रुपये का अनुदान (ग्रांट) देती है, साल के आखिर में इस 2000 (1000 +1000 ) रुपये पर उसे औसतन 12% ब्याज देती है, याने 1000 के सामने उसको 2240 मिले| इस तरह हर साल चक्रवर्ती ब्याज से उसका पैसा बढ़ता रहता है, जब ये 18 साल का व्यक्ति उसकी 60 साल की उम्र तक सिर्फ 43000/- रुपये इस प्राण कार्ड में जमा करता है तब सरकार के पास उसके लगभग 24,21,625/- जमा होते है. तब वो 61वे साल से मरते दम तक हर महीने लगभग 16,500/- की पेंशन का हक़दार बनता है.

    2) ये व्यक्ति अगर सालाना 12000/- प्राण कार्ड में जमा करता है, तब 60वे साल मे सरकार के पास उसके लगभग 1,57,40,562/- जमा होते है, तब वो 61वे साल से मरते दम तक हर महीने लगभग 1,05,000/- की पेंशन का हक़दार बनता है. अगर बीच मे ही उसकी मृत्यु हो जाय तो उसके परिवार को उसी समय उसका जमा पैसा ब्याज के साथ मिलजाय
    CONTECT NO-9571147495,8058457190

  37. Sandeep says:

    Hello Sir/Madam,

    Nice to know about you. I am working for the Central Govt. Project NPS-Swavlamban Pran Card with the Nagpur based company Jansevamission (http://jansevamission.org/ )….Our company is giving Pran Card Free of Cost alongwith a business opportunity to make upto 2000/- daily. This PRAN CARD scheme (NPS scheme) is authorized by the government to a government allowed aggregator which has legal agreement with our company,Jansevamission …Our company has also tie-up with two other aggregators appointed by govt. for pran card ….apart from that , our company has its own branch for pran card. …Our company has a record in the PFRDA that in the last 62 days we have delivered more than 14000 pran card to people with 1000/- deposit….nobody so far could have done that…..

    For more information, plz visit my wall latest post at https://www.facebook.com/sandeep.goel.56 or u can also contact me at 9355817442 after 6:30 pm

  38. AVISHEK KUMAR says:

    thanks dinesh sir. aap se baat karke achha laga.

  39. AVISHEK KUMAR says:

    sir hame JAN KALYAN YOJANA. ka vebsite chahiye.

  40. DINESH KUMAR KUMAWAT says:

    apko pran card banane ke liya reg. fee 700Rs iske badle 100Rs Bal.pran cad me neno card electronic mobile chif nomini faceliti & marketing job
    contect-no.9571147495,8058457190

  41. DINESH KUMAR KUMAWAT says:

    BHARAT SARKAR KI JAN KALYAN YOJANA SE JUDKAR AAP अगर कोई 18 साल का व्यक्ति इस प्राण कार्ड (PRANCARD) मे सालाना सिर्फ 1000 रुपये भरता है तो भारत सरकार उसको हर साल 1000 रुपये का अनुदान (ग्रांट) देती है, साल के आखिर में इस 2000 (1000 +1000 ) रुपये पर उसे औसतन 12% ब्याज देती है, याने 1000 के सामने उसको 2240 मिले| इस तरह हर साल चक्रवर्ती ब्याज से उसका पैसा बढ़ता रहता है, जब ये 18 साल का व्यक्ति उसकी 60 साल की उम्र तक सिर्फ 43000/- रुपये इस प्राण कार्ड में जमा करता है तब सरकार के पास उसके लगभग 24,21,625/- जमा होते है. तब वो 61वे साल से मरते दम तक हर महीने लगभग 16,500/- की पेंशन का हक़दार बनता है.

    2) ये व्यक्ति अगर सालाना 12000/- प्राण कार्ड में जमा करता है, तब 60वे साल मे सरकार के पास उसके लगभग 1,57,40,562/- जमा होते है, तब वो 61वे साल से मरते दम तक हर महीने लगभग 1,05,000/- की पेंशन का हक़दार बनता है. अगर बीच मे ही उसकी मृत्यु हो जाय तो उसके परिवार को उसी समय उसका जमा पैसा ब्याज के साथ मिलजाय
    CONTECT NO-9571147495,8058457190

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