Contributory Pension Scheme (CPS)  CSS SOFTWARE 

New Pension Scheme:: Central Record Keeping Agency (CRA)

CPS CRA NSDL LoginAs per Pension Regulatory and Development Authority bill (PFRDA) ,the New Pension Scheme was started by the Central Government from 1-1-2004 and by the A.P State Government from 1-9-2004 and it is called as CPS (Contributory Pension Scheme).   To Check Your Account 

10% of Basic Pay and Dearness Allowance (DA) of an employee contribution and the same amount of Contribution by the State Government adjusted to this fund. The total amount adjusted to the Pension Fund. Now the government has been giving 8% of interest as per GO. Ms.No.226 Fin Dept Dated:29-09-2011.


Under NPS, each subscriber would be allotted a unique 16 digit Permanent Retirement Account Number (PRAN). This number would be portable. The records of transactions and investor would be maintained by central record Keeping agency (CRA). At present NSDL is the CRA and in future the number of CRA would be increased. The subscriber has an option to invest with seven Pension Fund Manager (PFM). He also has the option to choose any one or multiple PFM to manage his contribution. these PFM will have 3 Kind of funds categorized as E for Equity fund, G for fund investing in Government Securities and C for Fixed income securities other than Government Securities.

Tire-I: The Tire-I account is the basic NPS account that is non -withdrawable till retirement on in the case of death of the subscriber. In this type of account, the total corpus at the retirement age is split, whereby a minimum of 40 percent of the final corpus has to be compulsorily used to buy an annuity while the subscriber is free to withdraw the remaining 60 percent as a lum sum or in installments .

Tire-II: The tire-II accounts available only for existing subscriber of Tire-I account. The money contributed into this account can be freely withdrawn when the subscriber wishes by maintaining minimum balance that need to maintained at the end of the financial year.

  1. Those who appointed in the job after 1-9-2004 are must join in the New Pension Scheme.(GO Ms No:653 Fin (Pen.I) Dept , Dt.22.9.2004)
  2. 10%of basic pay and DA is treated as contributory pension and rounded to nearest rupee.
  3. The deduction of 10% contribution from salary of an employee is purely responsible of Drawing and Disbursing Officer(HM’s/MEO).
  4. 10% amount deducted from the salary(B.Pay+DA), and the same amount contributed by the State Government for this NPS.
  5. Drawing Officer should annexure the schedule to the salary bill which is submitted to the treasury.
  6. The number which is allotted by the CRA should be enter in the SR of the individual.
  7. Concerned DTOs would give the annual slips of CPS .
  8. The employees who are eligible to this scheme , should not apply for ZPPF/GPF.

  ఉపాధ్యాయమిత్రులు ఉచితమెస్సేజ్ల కొరకు మీ మొబైల్ నుండి SMSచేయండి

 @FOLLOW  MAHESH4AP అని టైప్ చేసి  51115 నంబరుకు SMS  పంపండి


To Check Your Account 

*Same Treasury Id or Email cannot be submitted for more than One Time.
*If same Treasury Id or Email are submitted for more than One Time the form will not be accepted.
*Give Two Days time to process the submitted details and retreive CPS Data

*List of OLD Version submissions CLICK HERE TO VIEW
CPS Files of OLd Version submissionsCLICK HERE TO VIEW



CPS-90percent of DA Arears of earlier periods wl b paid in Cash GO.22 Dt.22-1-13 (90 శాతము కరువు భత్యం బకాయిలను నగదుగా చెల్లించాలి)

CSS D.A arrears bill preperation

CSS D.A Arrears Bill  -90%Net cash with 8%interest model bill2007.xls

Adjustment of 90% DA Arrears to Their A/cs CSS Software download.
CPS Teachers can utilize this programme 
Adjustment of 90% DA Arrears to their A/C CSS Calculating software
DA/IR/RPS Arrears Adjusted to NET CASH Instructions & GO's 
(token no,statement annexure with interest,supplementary bill,SBH annexure)

About NPS

Entities Involved

Subscriber Registration





Scheme Details





Employees (Teachers) who have recruited on or after 01.09.2004 have to come under the New Contributory Pension Scheme. For this, the employees have to deduct 10% of their Basic Pay & D.A towards their contribution and Government will add the same amount to their accounts. D.A arrears and other arrears of these employees will be credited to the C S S (Compulsory Savings Scheme).
Now our State Government has entered into an agreement with N S D L (National Security Depositories Limited), Bombay to maintain PRAN accounts as Central Record Keeping Agendy ( C R A). Now, all the employees coming under the C P S have to apply for P R A N (Permanent Retirement Account Number) alloted & maintained by N S D L, Bombay. For this, N S D L has appointed KARVY Consultants as Facility Centre, and there are two Facility Centres 1. at Hyderabad and 2. at Visakhapatnam.
Here, GOs, Memos, Proceedings and relevant informatin on C P S are provided.

Address of Karvy Consultants Hyderabad:    
8-2-609/K, Road #10, Banjara Hills
Andhra Pradesh
PIN CODE: 500034
Address of Karvy Consultants - Visakhapatnam:
Andhra Pradesh
PIN CODE: 530 016
STD CODE : 0891-2752915 to 18





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Contributary Pension Scheme

  • In pursuant to the advice of the Central Government vide letter D.O. No 5(75)/2006-ECB & PR dated 24th April 2007; The NPS Trust was established by PFRDA on 27th February, 2008 with the execution of the NPS Trust Deed and the Board of Trustees of NPS Trust was formed with three members to begin with. Subsequently three more Members were included in the Board. The term of the Trustees is for two years. Sh. N.R.Rayalu was also appointed CEO also of the NPS Trust on his retirement as Dy CAG, Government of India w.e.f 12th June 2008
At present the Board of NPS Trust, reconstituted on 26th March 2010 is as under:-

1. Sh Yogendra Narain             Chairman 
2. Sh.N.R.Rayalu                    Trustee & CEO
3. Sh. Umraomal Purohit          Trustee
4. Sh.G.N.Bajpai                     Trustee
5. Sh.Naresh Dayal                 Trustee
        The NPS trust has been set up and constituted for taking care of the assets and funds under the NPS in the interest of the beneficiaries (subscribers). In fulfillment of its objectives, as broadly mentioned in the Deed, the NPS Trust supervises the Pension Fund Managers and interacts with other intermediaries like Trustee Bank (Bank of India), Central Record Agency (NSDL), Stock Holding Corporation of India Ltd, etc. The Trust is empowered to enter into agreements with other intermediaries and operating agencies to discharge its obligations.

As part of its obligations, the NPS Trust ensures that:-
  • the PF(s) has been diligent in empanelling the brokers, in monitoring securities transactions with brokers and avoiding undue concentration of business with any broker;
  • the PF(s) has not given any undue or unfair advantage to any associates or dealt with any of the associates of the Pension Fund in any manner detrimental to interest of the beneficiaries
  • the PF(s) has been managing the Fund Schemes independently of other activities and has taken adequate steps to ensure that the interests of the beneficiaries are not compromised;
  • all the activities and the transactions of the PF(s) are in accordance with the provisions of the PFRDA guidelines/directions.
A memorandum of Understanding was signed between PFRDA and the NPS Trust highlighting the rights and obligations of both the parties on 1st July 2009.
  • To begin with the NPS was operational for the Central Govt Employees (except defense forces) joining the service on after 1.1.2004. Subsequently the State Governments have also started joining the NPS. Three Fund managers as mentioned below were appointed to manage the Funds of the Government employees with effect from 1.1.2008.
  •  SBI Pension Funds Private Limited
  •  UTI Retirement Solutions Limited
  •  LIC Pension Fund Limited
The NPS was opened up for all citizens of India with effect from 1stMay 2009. PFRDA appointed six Pension Fund Managers to manage the funds of the new subscribers.
  • SBI Pension Funds Private Limited
  • UTI Retirement Solutions Limited
  • ICICI Prudential Pension Funds Management Company limited
  • Kotak Mahindra Pension Fund Limited
  • IDFC Pension Fund Management Company Limited Reliance Capital Pension Fund Limited
        Agreements with all the Pension Fund Managers have been signed. Agreement has also been signed with the Stock Holding Corporation of India who acts as custodian of investment Instruments. So far thirteen State Governments /UT have joined the NPS by signing the agreement with the NPS Trust. More State Governments have shown their inclination to join the NPS Architecture.

A quarterly review of the Pension Fund managers is carried out by the NPS Trust to review and evaluate the performance of the Fund Managers and make suggestions for improvement.

            IF Forgot your I CPS PRAN I PIN RESET NOW PROCESS

CPS/PRAN PASSWORD RESET | CRA.NSDL CPS/PRAN PASSWORD FORGOT-RESET AGAIN | NSDL IS ALLOWING TO RESET PASSWORD FOR YOUR CPS/ PRAN ACCOUNT | PASSWORD FOR CPS/PRAN CAN BE RESET THROUGH CRA.NSDL WEBSITE is fecilitating to reset our CPS/ PRAN Password | Process to reset our Password for CPS/PRAN Account So many of us including me are facing problem to view CPS statement because we forgot our password and there was no chance to reset our password and most of us gave up it. But for last some days CRA.NSDL is allowing us to reset our password by ourself online and no need to approach Nodal office by fiiling any form. Here is the Process.
                                              STEP BY STEP PROCESS TO RESET CPS/PRAN  PASSWORD:
  • Click Here There we find two boxes as Subscribers and Nodal Office
  • In Subscibers box we have to enter our PRAN Number where we see User Id and Click on
  • Forgot Password It will take us to another window, there we see " Reset Password using secret question" and " Instant Reset I-PIN"
  • There we select " Instant Reset I-PIN " and again it will take us to the page where we can change password
  • There we have to give all the Mondatory aspects and also a password u wish
  • Password should be like sandhya@143 (namesimbol number) and have to conform in the next column
  • After filling the mondatory fields ( * Marked Fieldsare Mondatory) click on Generate OTP
  • An One Time Password ( OTP) comes to our Registered Phone Number
  • Enter the OTP at asked place then there willappear a message Successfully completed
  • Again u go to OR 15 CPS Fund Value Page Click Here
  • There u enter your PRAN Number and your password you have give there.
  • You will enter to your PRAN Account and you will be asked to reset password again
  • Reset your password as explained
  • Congratulations you have Successfully reset your CPS/PRAN Password


CPS Fund, CRA-NSDL Login Steps


Government employees who recruited after 1-1-2004 has come under new pension scheme (CPS). The employees contribution to this is 10% of basic pay and the same amount will be added by Indian Government to this fund.

An employees can check the fund status of CPS by login the website using I-Pin which was provided CRA - NSDL authority. For this an employee would follow some simple steps to know the status of CPS fund.

If your logging first time in the CRA website, it prompts to accept terms and conditions. After accepting terms and conditions, you will be asked set new password . The length of the password should be 8 to 14 characters. Your password should be alphanumeric with at least one special character like #,$,& etc. Take special care should take while setting secret questions, which will help to resetting your password.

  1. Enter User id and Password: Enter userid(12 digit PRAN Numner) and password . This page goes to welcome page.
  2. Welcome Page:This page tells about PRAN users Account Details . There CPS subscribers can view four options at the top of welcome page.
    1. Personal Details.
    2. Statement of holding.
    3. Statement of transactions.
    4. Statement of Transaction T2(Tire 2)
  3. Personal Details: i)In this page subscriber can view details like Name, Bank A/c, PRAN No, PAN A/c, Mobile Number, Email Address and Nominee details, Scheme Preference details(Tire-I)
  4. Statement of Holding:This page shows total amount available in our CPS account. Present NAV, default allocation of funds in Tire-I under three types of varies schemes.
  5. Statement of transactions:In this page we get year wise trasanction details by seleting finacial year we can get generate statements.
  6. Statement of Transaction T2(Tire 2):State of transactions in tire II. This is based on subscriber choice. In this subscriber can invest according to their choice in different.
  7. Grievance:This page is intended to grievances related CPS issues. Here we can submit any problem raised related to CPS. After submitting grievance request then we can find the status of the request. To get your cps details in pdf form. This will be informed to your mail also

* Required



How to add ATAL PENSION YOJANA Scheme CPS-PRAN (NSDL) Holders Details:
RE 1 The Scheme is subject to the approval of the Government. ATAL PENSION YOJANA JAN DHAN TO JAN SURAKHSHA Guaranteed Pension by Govt. of India (a landmark move by GoI towards pensioned society from pension less society)
 The Government of India is concerned about the old age income security of the working poor and is focused on encouraging and enabling them to save for their retirement. To address the longevity risks among the workers in unorganized sector and to encourage the workers in unorganized sector to voluntarily save for their retirement
 The GoI has therefore announced a new scheme called Atal Pension Yojana (APY)1 in 2015-16 budget. The APY is focussed on all citizens in the unorganized sector.
 The scheme is administered by the Pension Fund Regulatory and Development Authority (PFRDA) through NPS architecture. HIGHLIGHTS OF ATAL PENSION YOJANA
 Under the APY, there is guaranteed minimum monthly pension for the subscribers ranging between Rs. 1000 and Rs. 5000 per month. 
The benefit of minimum pension would be guaranteed by the GoI.
 GoI will also co-contribute 50% of the subscriber’s contribution or Rs. 1000 per annum, whichever is lower. Government co-contribution is available for those who are not covered by any Statutory Social Security Schemes and is not income tax payer.
 GoI will co-contribute to each eligible subscriber, for a period of 5 years who joins the scheme between the period 1st June, 2015 to 31st December, 2015. The benefit of five years of government Co-contribution under APY would not exceed 5 years for all subscribers including migrated Swavalamban beneficiaries. 
All bank account holders may join APY.
 APY is applicable to all citizen of India aged between 18-40 years.
 Aadhaar will be the primary KYC. Aadhar and mobile number are recommended to be obtained from subscribers for the ease of operation of the scheme. If not available at the time of registration, Aadhar details may also be submitted later stage. Logo of Product BROCHURE Charges for default Banks are required to collect additional amount for delayed payments, such amount will vary from minimum Re 1 per month to Rs 10/- per month as shown below:
Re. 1 per month for contribution upto Rs. 100 per month.
 Re. 2 per month for contribution upto Rs. 101 to 500/- per month.
 Re 5 per month for contribution between Rs 501/- to 1000/- per month.
Rs 10 per month for contribution beyond Rs 1001/- per month. The fixed amount of interest/penalty will remain as part of the pension corpus of the subscriber. Important information for subscriber: Discontinuation of payments of contribution amount shall lead to following:
 After 6 months account will be frozen.
 After 12 months account will be deactivated.
After 24 months account will be closed. Subscriber should ensure that the Bank account to be funded enough for auto debit of contribution amount. Exit : On attaining the age of 60 years: The exit from APY is permitted at the age with 100% annuitisation of pension wealth. On exit, pension would be available to the subscriber. In case of death of the Subscriber due to any cause: In case of death of subscriber pension would be available to the spouse and on the death of both of them (subscriber and spouse), the pension corpus would be returned to his nominee. Exit Before the age of 60 Years: Exit before 60 years of age is not permitted however it is permitted only in exceptional circumstances, i.e., in the event of the death of beneficiary or terminal disease. Indicative Monthly Contribution Chart Age of Entry Monthly pension of Rs 1000.

Frequently Asked Questions CPS PRAN Holders
 1 Frequently Asked Questions-Atal Pension Yojana
1. What is Pension? Why do I need it?
 A Pension provides people with a monthly income when they are no longer earning. Need for Pension: Decreased income earning potential with age. The rise of nuclear family-Migration of earning members. Rise in cost of living. Increased longevity. Assured monthly income ensures dignified life in old age.
2. What is Atal Pension Yojana?
Atal Pension Yojana (APY),1 a pension scheme for citizens of India focussed on the unorganised sector workers. Under the APY, guaranteed minimum pension of Rs. 1,000/-, 2,000/-, 3,000/-, 4,000 and 5,000/- per month will be given at the age of 60 years depending on the contributions by the subscribers.
3. Who can subscribe to APY?
Any Citizen of India can join APY scheme. The following are the eligibility criteria,
i The age of the subscriber should be between 18 - 40 years.
ii He / She should have a savings bank account/ open a savings bank account.
iii The prospective applicant should be in possession of mobile number and its details are to be furnished to the bank during registration. Government co-contribution is available for 5 years, i.e., from 2015-16 to 2019-20 for the subscribers who join the scheme during the period from 1st June, 2015 to 31st December, 2015 and who are not covered by any Statutory Social Security Schemes and are not income tax payers. 1 The Scheme is subject to the approval of the Government. 2
4. Who are the other social security schemes beneficiaries not eligible to receive Government co-contribution under APY?
 Beneficiaries who are covered under statutory social security schemes are not eligible to receive Government co-contribution. For example, members of the Social Security Schemes under the following enactments would not be eligible to receive Government co-contribution: i. Employees’ Provident Fund & Miscellaneous Provision Act, 1952. ii. The Coal Mines Provident Fund and Miscellaneous Provision Act, 1948. iii. Assam Tea PlantationProvident Fund and Miscellaneous Provision, 1955. iv. Seamens’ Provident Fund Act, 1966. v. Jammu Kashmir Employees’ Provident Fund & Miscellaneous Provision Act, 1961. vi. Any other statutory social security scheme.
5. How much pension will be received under APY?
Guaranteed minimum pension of Rs 1,000/-, 2,000/-, 3,000/-, 4,000 and 5,000/- per month will be given at the age of 60 years depending on the contributions by the subscribers.
6. What is the benefit in joining APY scheme? 
In APY, Government will co-contribute 50% of the total contribution or Rs. 1,000/- per annum, whichever is lower, to the eligible APY account holders who join the scheme during the period 1st June, 2015 to 31st December, 2015. The Government cocontribution will be given for 5 years from FY 2015-16 to 2019-20.
7. How are the contributions of APY invested? 
 3 The contributions under APY are invested as per the investment guidelines prescribed by Ministry of Finance, Government of India. The APY scheme is administered by PFRDA/GOVERNMENT.
8. What is the procedure for opening APY Account?
 i Approach the bank branch where individual’s savings bank account is held. ii Fill up the APY registration form. iii Provide Aadhaar/Mobile Number. iv Ensure keeping the required balance in the savings bank account for transfer of monthly contribution.
9. Whether Aadhaar Number is compulsory for joining the scheme?
It is not mandatory to provide Aadhaar number for opening APY account. However, For enrolment, Aadhaar would be the primary KYC document for identification of beneficiaries, spouse and nominees to avoid pension rights and entitlement related disputes in the long-term.
10.Can I open APY Account without savings bank account?
No. For joining APY, savings bank account is mandatory.
11.What is the mode of contribution to the account?
 All the contributions are to be remitted monthly through auto-debit facility from savings bank account of the subscriber.
12.What is the due date for monthly contribution?
 4 The due date for monthly contribution will be as per the initial date of deposit of contribution into APY.
13.What will happen if required or sufficient amount is not maintained in the savings bank account for contribution on the due date?
Non-maintenance of required balance in the savings bank account for contribution on the specified date will be considered as default. Banks are required to collect additional amount for delayed payments, such amount will vary from minimum Re 1 per month to Rs 10/- per month as shown below: i. Re. 1 per month for contribution upto Rs. 100 per month. ii. Re. 2 per month for contribution upto Rs. 101 to 500/- per month. iii. Re 5 per month for contribution between Rs 501/- to 1000/- per month. iv. Rs 10 per month for contribution beyond Rs 1001/- per month. Discontinuation of payments of contribution amount shall lead to following: After 6 months account will be frozen. After 12 months account will be deactivated. After 24 months account will be closed. Subscriber should ensure that the Bank account to be funded enough for auto debit of contribution amount. The fixed amount of interest/penalty will remain as part of the pension corpus of the subscriber.
14.How much should I invest in APY to get the guaranteed pension of Rs. 1000?
Age of Joining Years of Contribution Indicative Monthly contribution 18 42 42 20 40 50 25 35 76 30 30 116 35 25 181 40 20 291 5 All the contributions are to be remitted monthly through auto debit facility from savings bank account of the subscriber. *For detailed age wise contribution refer Annexure 1.
15.Is it required to furnish nomination while joining the scheme? 
Yes. It is mandatory to provide nominee details in APY account. The spouse details are also mandatory wherever applicable. Their aadhaar details are also to be provided.
16.How many APY accounts I can open?
 A subscriber can open only one APY account and it is unique.
17.Will there be any option to increase or decrease the monthly contribution for higher or lower pension amount?
The subscribers can opt to decrease or increase pension amount during the course of accumulation phase, as per the available monthly pension amounts. However, the switching option shall be provided once in year during the month of April.
18.What is the withdrawal procedure from APY?
A. On attaining the age of 60 years: The exit from APY is permitted at the age with 100% annuitisation of pension wealth. On exit, pension would be available to the subscriber. B. In case of death of the Subscriber due to any cause: In case of death of subscriber pension would be available to the spouse and on the death of both of them (subscriber and spouse), the pension corpus would be returned to his nominee. 6 C. Exit Before the age of 60 Years: The Exit before age 60 would be permitted only in exceptional circumstances, i.e., in the event of the death of beneficiary or terminal disease.
 19.How will I know the status of my contribution?
The status of contributions will be intimated to the registered mobile number of the subscriber by way of periodical SMS alerts. The Subscriber will also be receiving physical Statement of Account. 20.Will I get any statement of transactions?
 Yes. Periodic statement of APY account will be provided to the subscribers.
21.If I move my residence/city,
how can I make contributions to APY account?
The contributions may be remitted through auto debit uninterruptedly even in case of dislocation.
22.What will happen to existing subscribers in Swavalamban Yojana?
 All the registered subscribers under Swavalamban Yojana aged between 18-40 yrs will be automatically migrated to APY with an option to opt out. However, the benefit of five years of Government Co-contribution under APY would be available only to the extent availed by the Swavalamban subscriber already. This would imply that if, as a Swavalamban beneficiary, he has received the benefit of government Co-Contribution of 1 year, then the Government co-contribution under APY would be available only for 4 years and so on. Existing Swavalamban beneficiaries opting out from the proposed APY will be given Government co-contribution till 2016-17, if eligible, and the NPS Swavalamban continued till such people attain the age of exit under that scheme. 7 Other subscribers above 40 years who do not wish to continue may opt out of the scheme with lump sum withdrawal. Subscribers above 40 years may also opt to continue till the age of 60 years and eligible for annuities. The existing Swavalamban scheme may be automatically migrated to APY Indicative APY Contribution Chart (Agewise) Annexure 1. Age of Entry Years of Contribution Monthly pension of Rs. 1000.


స్టాక్‌ మార్కెట్‌ కోరల్లోకి ఉద్యోగుల భవితవ్యం

ప్రభుత్వ కార్యకలాపాలు, పాలనా వ్యవహారాలు చక్కబెట్టే ఉద్యోగుల భవితవ్యం ఇక నుంచి స్టాక్‌మార్కెట్‌ కోరల్లో చిక్కనుంది. ఇప్పటికే అనేకసార్లు ఉద్యోగుల పెన్షన్‌ ప్రయివేటీకరణకు విఫల ప్రయత్నం చేసిన కేంద్ర, రాష్ట్ర ప్రభుత్వాలు ఈ శీతాకాల సమావేశాల్లోనైనా తమ పంతం నెగ్గించుకునేందుకు సిద్ధమవుతున్నాయి. ఉద్యోగుల జీవన భద్రతకు, సామాజిక భద్రతకు ప్రధానాధారమైన పెన్షన్‌ చెల్లింపు బాధ్యతల నుంచి తప్పుకునేందుకు ''పెన్షన్‌ ఫండ్‌ రెగ్యులేటరీ డెవలప్‌మెంట్‌ అథారిటీ'' (పిఎఫ్‌ఆర్‌డిఎ) బిల్లు పార్లమెంటులో ప్రవేశపెట్టేందుకు సిద్ధమవుతోంది. ఇది గనుక పార్లమెంట్‌లో పాసయితే అది న్యూ పెన్షన్‌ స్కీమ్‌ చట్టంగా మారి తమ సామాజిక భద్రతను హరిస్తుందని ఉద్యోగులు ఆవేదన వ్యక్తం చేస్తున్నారు. అంతేకాదు ఈ బిల్లులోని సెక్షన్‌ 20 (జి) ప్రకారం ''మార్కెట్‌ ఆధారిత ఫలితాలనుబట్టి పెన్షన్‌ నిర్ణయమవుతుంది తప్ప కచ్చితంగా అది వుంటుందన్న గ్యారంటీ మాత్రం లేదు. అంటే రిటైర్‌మెంట్‌ తర్వాత పెన్షన్‌ మొత్తాన్ని నిర్ణయించేది స్టాక్‌ మార్కెట్‌ అన్నమాట. దీనికోరల్లో చిక్కుకోకుండా ఉద్యమించేందుకు ఉద్యోగులు సిద్ధమవుతున్నారు.

ఏమిటీ కొత్త విధానం 

పాత పెన్షన్‌ స్కీమ్‌వల్ల ఉద్యోగులకు ఎలాంటి చెల్లింపు ఉండవు. పెన్షన్‌ గ్యారంటీ వుంది. రిటైరయ్యే ఉద్యోగి చివరి నెల వేతనంలో 50 శాతం పెన్షన్‌గా పొందవచ్చు. 40 శాతం వరకు కమ్యుటేషన్‌ పరిమితి వుంటుంది. పెన్షనర్‌ మరణాంతరం ఫ్యామిలీ పెన్షన్‌ లభిస్తుంది. రన్నింగ్‌ స్టాఫ్‌కు చెల్లింపులో 55 శాతం కలిపి పెన్షన్‌ నిర్ణయం వుంటుంది. పిఎఫ్‌కు అర్హత ఉండటమేగాక 15 సంవత్సరాల తర్వాత విత్‌ డ్రా చేసుకునే అవకాశం, గ్రాట్యుటీ సౌకర్యం ఉన్నాయి. ఇప్పుడు ప్రభుత్వం ప్రవేశపెట్టదల్చుకున్న న్యూ పెన్షన్‌ స్కీమ్‌లో ఇలాంటి సౌకర్యాలేవీ ఉండవు. పైగా ప్రయివేటు ఏజన్సీలకు బాధ్యతలు అప్పగించడం, స్టాక్‌ మార్కెట్‌తో అనుసంధానం చేయడం వంటి నిబంధనలు కార్పొరేట్‌ సంస్థలకు, ప్రయివేటు ఏజన్సీలకు లాభాలు చేకూర్చేందుకు ఉపయోగపడతాయి తప్ప మరొకటి కాదు

గతం నుంచీ 

పెన్షన్‌ స్కీమ్‌ గురించి తెలుసుకునేముందు దాని పూర్వరంగం గురించి కూడా తెలుకుందాం. తేదీ 16.10.2003లో నాటి ఎన్‌డిఎ ప్రభుత్వం ముందుగా న్యూ పెన్షన్‌ స్కీమ్‌ (ఎన్‌సిపి) ప్రకటించింది. తేదీ 1.1.2004 తర్వాత నియామకం పొందిన ఉద్యోగులకోసం కాంట్రిబ్యూటరీ పథకాన్ని ప్రవేశపెట్టింది. ఆ తర్వాత అధికారంలోకి వచ్చిన యుపిఎ-1 ప్రభుత్వం ఈ ఉత్తర్వులను అనుమతిస్తూ 2004లో ఆర్డినెన్స్‌ను జారీ చేసింది. అయితే అది చట్టంగా మారి అమలు కావాలంటే పార్లమెంట్‌ ఆమోదం పొందాల్సి వుంటుంది. యుపిఎ ప్రభుత్వం ఆ ప్రయత్నం చేసినప్పుడు వామపక్షాలు తీవ్రంగా వ్యతిరేకించాయి. అయినా ఎన్‌డిఎ మద్ధతుతో యుపిఎ-2 ప్రభుత్వం 24.4.2011న పిఎఫ్‌ఆర్‌డిఎ బిల్‌ను లోక్‌సభలో ప్రవేశపెట్టింది. అది చర్చకు రాకుండా వామపక్షాలు నిరోధించగలిగాయి.

ఉద్యోగులకు సౌకర్యవంతమైన పెన్షన్‌ పథకాన్ని నీరుగార్చేందుకే ప్రభుత్వం ప్రయత్నిస్తోంది. అంటే ఈ కొత్త పథకం ద్వారా డిఫైన్డ్‌ బెనిఫిట్స్‌ను డిఫైన్ట్‌ కాంట్రిబ్యూటరీగా మార్చేస్తుంది. పే అండ్‌ డి.ఎలో 10 శాతం ఉద్యోగి వేతనం నుండి పెన్షన్‌ ఫండ్‌లో జమచేస్తారన్నమాట. ఈ పెన్షన్‌ ఫండ్‌పై ప్రభుత్వ నియంత్రణ ఉండదు. ట్రేడ్‌ యూనియన్ల ప్రాతినిధ్యమూ వుండదు. ప్రయివేట్‌ ఏజన్సీ దీనిని నిర్వహిస్తుంది. పెన్షన్‌ ఫండ్‌ మేనేజర్లు ఉద్యోగుల సొమ్మును స్టాక్‌ మార్కెట్‌లో పెట్టుబడిగా పెడతారు. ఎన్‌ఎస్‌డిఎల్‌ అనే ప్రయివేటు కంపెనీకి సెంట్రల్‌ రికార్డ్‌ కీపింగ్‌ ఏజన్సీకి ఛార్జీలు, పెన్షన్‌ ఫండ్‌ మేనేజర్లకు ఫీజుల రూపంలో ఉద్యోగి పెన్షన్‌ ఫండ్‌ నుండి వసూలు చేస్తారు. అంటే పెన్షన్‌ ఫండ్‌ మనేజర్లు ఉద్యోగుల సొమ్మును లాభాపేక్షతో స్టాక్‌మార్కెట్లో పెడతారు. ఒకవేళ స్టాక్‌మార్కెట్‌ నష్టాల్లో కూరుకుపోతే ఉద్యోగులకు పెన్షన్‌ ఉండదు. దీనివల్ల ఉద్యోగులకు జీవన భద్రత ఎక్కడుంటుంది? కాబట్టి పాత పెన్షన్‌ స్కీమ్‌నే యథాతథంగా కొనసాగించాలని ఉద్యోగులు కోరుతున్నారు. పాత, కొత్త పెన్షన్‌ స్కీమ్‌ల మధ్య ఎలాంటి వ్యత్యాసముందో, న్యూ కాంట్రిబ్యూటరీ పెన్షన్‌ స్కీమ్‌వల్ల ఉద్యోగులు ఎలా నష్టపోతారో పట్టికలో చూడండి.

రిటైర్మెంట్‌ బెనిఫిట్స్‌ ఉండవు 

పిఎఫ్‌ఆర్‌డిఎ బిల్లు గనుక పార్లమెంటులో ఆమోదం పొంది చట్టంగా మారితే ఇక నుండి రిటైరయ్యే ఉద్యోగులకు పెన్షన్‌ సౌకర్యం ఉండదు. జీవన భద్రత, సామాజిక భద్రత, ఆరోగ్య భద్రత ఇవేవీ ఉండవు. ఈ బిల్లులోని సెక్షన్‌ 20 (జి) ప్రకారం మార్కెట్‌ ఆధారిత ఫలితాలు తప్ప కచ్చితమైన పెన్షన్‌ లభ్యతకు వీలుండదు. ఎందుకంటే రిటైర్మెంట్‌ తర్వాత పెన్షన్‌ మొత్తాన్ని నిర్ణయించేది స్టాక్‌ మార్కెట్‌ కాబట్టి. షేర్‌ మార్కెట్‌లో పెట్టుబడులపై ఎలాంటి హీమీ ఉండదు. అది నష్టపోయినప్పుడు ఆదుకునేందుకు ప్రభుత్వమూ సుముఖంగా ఉండదు. దీనివల్ల ఉద్యోగులు రిటైర్మెంట్‌ బెనిఫిట్స్‌ను కోల్పోవలసి వుంటుంది. ఉద్యోగుల సొమ్ముతో షేర్‌ మార్కెట్‌ పెట్టుబడులు పెట్టిన పెన్షన్‌ ఫండ్‌ మేనేజర్లకు ఫీజులు, సెంట్రల్‌ రికార్డ్‌ కీపింగ్‌ ఏజన్సీలకు ఛార్జీలు, పెట్టుబడిదారులకు, బ్రోకర్లకు లాభాలు మాత్రం దక్కుతాయి. ఎఫ్‌డిఐని అనుమతిస్తే విదేశీ ఆపరేటర్లు కూడా ఈ పెన్షన్‌ ఫండ్‌ను కాజేసే అవకాశముంటుంది. ఏ విధంగా చూసిన ఇది ఉద్యోగుల పెన్షన్‌ దోపిడీకి ఉపయోగపడేదే తప్ప వారి క్షేమం కోరే పథకం మాత్రం కాదు. ఉద్యోగుల సంక్షేమాన్ని చూడాల్సిన ప్రభుత్వం చివరికీ వారిని అభద్రతా భావంలోకి నెడుతోంది. ఏదో విధంగా ప్రయివేటు, కార్పొరేట్‌ శక్తులకు ప్రయోజనాన్ని చేకూర్చుతోంది. ప్రయివేటీకరణ, సరళీకరణ, ప్రపంచీకరణ విధానాల్లో భాగంగానే ప్రభుత్వం ఈ పెన్షన్‌ స్కీమ్‌ను కూడా నీరుగార్చే కుట్రలు చేస్తోంది.

గుణపాఠం నేర్చుకోరా? 

పెన్షన్‌ నిధిని స్టాక్‌ మార్కెట్లో పెడితే ఎలాంటి నష్టం చేకూరుతుందో 2008లో అమెరికాలో తలెత్తిన ఆర్థిక సంక్షోభం సమయంలో చూశాం. రిటైర్‌ ఉద్యోగులకు సంబంధించిన 3 లక్షల కోట్ల డాలర్లు మార్కెట్లో గల్లంతైన విషయం మన ప్రభుత్వాలకు తెలియంది కాదు. దీంతో అక్కడి ఉద్యోగులు రోడ్డున్న పడటమేగాక ఫ్రాన్స్‌, ఇటలీ, గ్రీస్‌, స్పెయిన్‌ దేశాల్లోనూ పెన్షన్‌ కోతలకు ఈ సంక్షోభం కారణమైంది. ఈ అనుభవాల ద్వారనైనా మన ప్రభుత్వం గుణపాఠం నేర్చుకోవాలి. ఉద్యోగుల భవితవ్యాన్ని స్టాక్‌ మార్కెట్‌ కోరల్లోకి నెట్టకుండా వుంటే మంచిది


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