Monday, March 31, 2025

All about NPS - Quiz 1

Ultimate NPS Quiz - Test Your Knowledge!

Test Your Knowledge on NPS!

1. When was the New Pension System (NPS) introduced by the Government of India?
2. Who is eligible for the NPS under the Central Government service?
3. Are all states required to adopt the NPS?
4. What is the purpose of PFRDA?
5. What is the unbundled architecture managed by PFRDA?
6. What is the role of NSDL in the NPS?
7. When did the CRA system become operational?
8. Who inaugurated the CRA system?
9. When was the first subscriber registered under NPS?

NPS vs UPS

NPS vs UPS - Key Takeaways

NPS vs UPS: Key Takeaways

Author: Choudhury Mohammad Ikbal Bahar Yousuf, Circle Secretary, NUPE Postman MTS, Assam Circle, Karimganj HQ.

Understanding NPS & UPS

For employees confused between NPS (National Pension System) and UPS (Union Pension Scheme), here is a simplified explanation.

  • If an employee completes their entire 30-year service under NPS, then NPS is the better choice.
  • If an employee serves only 10-12 years and becomes permanent, they should opt for UPS.

Comparing Benefits of NPS & UPS

Assume at the time of retirement, your basic salary is ₹2,00,000:

  • Under UPS, your pension would be ₹1,00,000 per month.
  • Under NPS, you can accumulate ₹2-3 crores in corpus.

Withdrawal & Investment Options

  • You can withdraw 60% of the NPS corpus as a lump sum.
  • The remaining 40% must be used for a pension plan.
  • The lump sum can be invested in:
    • SCSS (Senior Citizen Savings Scheme)
    • SWP (Systematic Withdrawal Plan)
    • MIS (Monthly Income Scheme)

Retirement Projections

  • At retirement, if 60% withdrawal = ₹2 crores, withdrawing ₹2 lakh/month allows sustenance for at least 10 years.
  • Due to compounding, the next ₹1 crore will grow faster.
  • India’s average life expectancy is 67-70 years, making long-term planning crucial.

Important Notice

The Government has set a deadline of June 30 for migrating from NPS to UPS. After this, switching will no longer be allowed.

Make a responsible decision based on your risk preference.

Understanding the Rule 37 transfer

Understanding the Rules

Rule 37 typically refers to a transfer initiated by the government/department (also called "in public interest" transfers), while Rule 38 generally refers to request transfers initiated by the employee.

Possible Solutions
Administrative Appeal

File a representation to the Head of Department citing that Rules 37 and 38 serve different purposes and there's no explicit provision preventing an application under Rule 38 after a Rule 37 transfer
Reference FR 15 which generally guarantees the right of a government servant to apply for a transfer
Seek Relaxation of Rules

Apply for relaxation of rules under the appropriate provisions (usually available with the Department of Personnel & Training or equivalent authority)
Cite exceptional circumstances, if any (medical grounds, family circumstances, etc.)
Use Alternative Transfer Provisions

Explore transfer under Rule 38-A if applicable (mutual transfer with another willing employee)
Consider deputation options if available in your service rules
Medical/Personal Hardship Route

If applicable, apply for transfer on documented medical grounds supported by a medical certificate
If there are genuine hardships (aged parents, spouse posting, children's education), these can be grounds for special consideration
Judicial Remedies
If administrative remedies fail, judicial options include:

Central Administrative Tribunal (CAT)

File an application in the appropriate bench of CAT
Refer to cases like Shyam Sunder Sharma vs Union of India where the court has held that transfer policies should not be interpreted in a manner that causes undue hardship
High Court Writ Petition

After exhausting the CAT route, approach the relevant High Court under Article 226
Relevant precedents include:
S.K. Jha vs Union of India & Ors where the court emphasized reasonable interpretation of transfer rules
Rajendra Singh vs State of U.P. where arbitrary application of transfer policies was struck down
Related Orders/Circulars
Consider referencing:

DOPT OM No. AB.14017/41/2009-Estt.(RR) regarding compassionate transfers

DOPT OM No. 28034/9/2009-Estt.(A) on posting of husband and wife at the same station

Thursday, May 21, 2020

Submission of pension claim during lock-down in respect of Defence civilian.

O/o The Principal Controller of Defence Accounts (Pension), Draupadighat, Allahabad – 211014

Circular No.C-208

No.G1/C/MISC/Vol-X/Tech
O/o the PCDA (P), Allahabad
Dated: 18/05/2020

To,

(All Head of Department under Min. of Defence)

Sub:- Submission of pension claim during lock-down in respect of Defence civilian.
Ref:- This office circular No. C-207 dated 03/04/2020

Relaxation given under above referred circular no. C‐207 is further extended till 31/05/2020. Accordingly, superannuation/retiring pension claim where date of retirement is on or before 31.05.2020 and all death cases pension claim may also be forwarded as a soft copy i.e. scanned copy to PCDA (Pension) Allahabad email address cda-albd@nic.in. While forwarding scanned copy of pension claims following points may be kept in view:‐

a. Duly completed scan copy of LPC‐cum‐Datasheet should be supported with scan copies of supporting documents.
b. Scan copy of claim should be in PDF format.
c. Claims where date of retirement is after 31.05.2020 will not be entertained.
d. Claims should be forwarded only through official email id which is registered for HOO CODE.
e. Subject of email will be “ Pension claim- G1/Civil/ Pensioner name/Date of Retirement”
f. This arrangement is optional for those Head of Offices, who are not in position to forward pension claim in hard copy during lockdown.

2. In view of the above, you are requested to issue suitable instructions (along with copy of this circular) to all the Head of the Offices under your administrative control to ensure the submission of pension claim as stated above.

(Navpreet Kaur)
Jt. CDA (P)

Preventive measures to be taken to contain the spread of Novel Coronavirus (COVID-19) – Attendance regarding.

F.No.11013/9/2014-Estt.A.III
Government of India
Ministry of Personnel, Public Grievances and Pensions
(Department of Personnel and Training)

North Block, New Delhi
Dated the 19th May, 2020

OFFICE MEMORANDUM

Subject: Preventive measures to be taken to contain the spread of Novel Coronavirus (COVID-19) – Attendance regarding.

In continuation of this Ministry’s O.M. of even number dated the 18th May, 2020, it has been decided that the Government servants who have underlying conditions (co-morbidities) and were undergoing treatment for these ailments before lockdown, may, as far as possible, be exempted from roster duty upon production of medical prescription from treating physician under CGHS/CS(MA) Rules, as applicable. Similarly, Persons with Disabilities and Pregnant Women may also not be included in the roster to be prepared.

sd/-
(Umesh Kumar Bhatia)
Deputy Secretary to the Govt. of India

Wednesday, May 20, 2020

NATIONWIDE PROTEST DAY ON 22nd MAY 2020-CONFEDERATION NEWS

CONFEDERATION OF CENTRAL GOVT EMPLOYEES & WORKERS
1st Floor, North Avenue PO Building, New Delhi – 110001
Website: www.confederationhq.blogspot.com
Email: confederationhq@gmail.com

President
RAVI NAIR
9969234999

Secretary General
R.N. PARASHAR
9718686800

No. Confd./Protest-2020

Dated: 17.05.2020

NATIONWIDE PROTEST DAY ON 22nd MAY 2020

AGAINST THE ANTI – WORKER AND ANTI – PEOPLE ONSLAUGHTS OF THE CENTRAL GOVERNMENT.

HOLD PROTEST DEMONSTRATIONS IN FRONT OF ALL CENTRAL GOVERNMENT OFFICES.

The Central Government has announced deregulation and privatisation of core and strategic sectors like Defence production, Space Research, Power, Civil aviation, Coal and mineral sectors. It is also declared by the Finance Minister that non – strategic public sector undertakings will also be privatised. Govt is implementing its political agenda by going ahead with the naked and unbridled pro – corporate reforms in all sectors of the economy utilizing the COVID -19 crisis. It is wholesale privatisation. Combined with these reforms , serious attempt is made for amending all labour laws in favour of employers. Already some state Governments had promulgated ordinances in this direction suspending all labour laws and increased the working hours from eight to twelve hours per day. The Government has cleverly linked these reforms with the 20 lakhs crore economic package announced by the Prime Minister , eventhough these reforms have nothing to do with the stimulus packages and relief measures to be provided to the agricultural and industrial sectors and common people of our country. Needless to say that these pro – corporate reform measures and labour law amendments will severely affect the life and livelihood of crores of workers and common people of our country. Central Government employees are no exception.

Hot Check: Expected DA from July 2020 Calculator
Regarding Defence sector , the Defence employees federations were already opposing the move of the Government to corporatise and privatise the Ordnance factories. They have conducted month – long relay dharma at Parliament street, New Delhi and five days all India strike . Government had earlier deferred the Corporatisation move due to stiff resistance from five lakhs defence employees. Knowing the present limitations of the unions to organise serious agitational programmes like strike during Covid – 19 restrictions , the Government has unilaterally declared the corporatisation of Ordnance Factory Board ( OFB). Raising the Foreign Direct Investment (FDI) in defence sector from 49 to 74% will pave way for entry of multinational foreign Corporations in defence production sector , which , in the long run will jeopardise the national security of our country and job security of the employees.

In the coming days , more attacks are to come in almost all sectors including Central Government Employees sector. Already many departments have initiated action in this regard as per the advice of NITI Ayog. Closure of Government of India printing presses, outsourcing of Government functions in many departments , large scale contractorisation , casual labour engagement and downsizing has become the order of the day. Central Government Employees, especially Confederation of Central Govt Employees and Workers had organised series of struggle programmes against these onslaughts , including strike.

The Central Trade Unions have unanimously decided to combat these onslaughts of the Government by all possible means. As a first phase , it is decided to organise NATIONWIDE PROTEST DAY ON 22nd MAY 2020. Confederation being an integral part of the mainstream of the working class of .India, has endorsed the call of the Central Trade Unions.

Accordingly , the National Secretariat of Confederation of Central Govt. Employees and Workers calls upon all affiliated organisations and state/District level Coordinating Committees (COCs) to hold protest demonstrations in front of all Central Government offices , strictly observing the Covid – 19 restrictions imposed by Central and State Governments. Minimum permitted number of employees and leaders may sit in front of offices holding placards with demands , with all precautionary measures like masks , social distancing etc. Wide publicity may be given to the programme through print / electronic media and social media.

FRATERNALLY YOURS,

(R.N. PARASHAR)
SECRETARY GENERAL
CONFEDERATION OF CGE&W

Source: http://nfpe.blogspot.com/

PROTEST AGAINST THE ARBITRARY DECISION TAKEN BY THE GOVERNMENT FOR CONVERTING THE 219 YEARS OLD STATE OWNED INDIAN ORDNANCE FACTORIES

ALL INDIA DEFENCE EMPLOYEES FEDERATION
INDIAN NATIONAL DEFENCE wORKERS' FEDERATION
BHARTIYA PRATIRAKSHA MAZDOOR SANGH
(RECOGNIZED FEDERATIONS OF DEFENCE CIVILIAN EMPLOYEES)

Ref. No.: 03/AIDEF/INDWF/BPMS/20    Date:18.05.2020

To,The Secretary (DP)
Department of Defence Production
South Block, New Dellhi - 110 001.

SUBJECT::PROTEST AGAINST THE ARBITRARY DECISION TAKEN BY THE GOVERNMENT FOR CONVERTING THE 219 YEARS OLD STATE OWNED INDIAN ORDNANCE FACTORIES INTO A CORPORATION AND LISTING IN THE SHARE MARKET- REPRESENTATION TO BE SUBMITED BY 82 THOUSAND EMPLOYEES.

REFERENCE:: LETTER ADDRESSED TO THE DEFENCE MINISTER
NO.02/AIDEF/INDWF/BPMS/ 20, DATED 17/05/2020

Sir,
Vide letter referred above, have mailed our protest against the arbitrary, illegal and unjustified decision taken by the Government to converting the 219 years old State owned Indian Ordnance Factories into a Corporation and listing in the Share Market._We have informed the Honourable RM that in case the
Government do not put on hold the decision and give opportunity to the Federations to place our views against Corporatization, then the 82,000 employees of Ordnance Factories will go for an Indefinite Strike inspite of theCOVID 19 pandemic and lock down.As a part of our Trade Union action it has been decided that all the 82,000 employees of Ordnance Employees will forward their protest against
Corporatization to the Honorable Prime Minister and the Honorable Defence Minister. This is for your kind information please.

Thanking you,

Yours Sincerely,
(C. SRIKUMAR)
GENERAL SECRETARY
AIDEF
09444080885

(R. SRINIVASAN)
GENERAL SECRETARY
INDWF
09444125799
indwrrsninivasan@gmail.com

(MUKESH SINGH)
GENERAL SECRETARY
BPMS
09335621629
gensecbpms@yahoo.co.inderempred@gmail.com

Source:AIDEF CIRCULAR

PROTEST AGAINST THE ARBITRARY DECISION TAKEN BY THE GOVERNMENT FOR CONVERTING THE 219 YEARS OLD STATE OWNED INDIAN ORDNANCE FACTORIES

ALL INDIA DEFENCE EMPLOYEES FEDERATION
INDIAN NATIONAL DEFENCE wORKERS' FEDERATION
BHARTIYA PRATIRAKSHA MAZDOOR SANGH
(RECOGNIZED FEDERATIONS OF DEFENCE CIVILIAN EMPLOYEES)

Ref. No.: 03/AIDEF/INDWF/BPMS/20    Date:18.05.2020

To,The Secretary (DP)
Department of Defence Production
South Block, New Dellhi - 110 001.

SUBJECT::PROTEST AGAINST THE ARBITRARY DECISION TAKEN BY THE GOVERNMENT FOR CONVERTING THE 219 YEARS OLD STATE OWNED INDIAN ORDNANCE FACTORIES INTO A CORPORATION AND LISTING IN THE SHARE MARKET- REPRESENTATION TO BE SUBMITED BY 82 THOUSAND EMPLOYEES.

REFERENCE:: LETTER ADDRESSED TO THE DEFENCE MINISTER
NO.02/AIDEF/INDWF/BPMS/ 20, DATED 17/05/2020

Sir,
Vide letter referred above, have mailed our protest against the arbitrary, illegal and unjustified decision taken by the Government to converting the 219 years old State owned Indian Ordnance Factories into a Corporation and listing in the Share Market._We have informed the Honourable RM that in case the
Government do not put on hold the decision and give opportunity to the Federations to place our views against Corporatization, then the 82,000 employees of Ordnance Factories will go for an Indefinite Strike inspite of theCOVID 19 pandemic and lock down.As a part of our Trade Union action it has been decided that all the 82,000 employees of Ordnance Employees will forward their protest against
Corporatization to the Honorable Prime Minister and the Honorable Defence Minister. This is for your kind information please.

Thanking you,

Yours Sincerely,
(C. SRIKUMAR)
GENERAL SECRETARY
AIDEF
09444080885

(R. SRINIVASAN)
GENERAL SECRETARY
INDWF
09444125799
indwrrsninivasan@gmail.com

(MUKESH SINGH)
GENERAL SECRETARY
BPMS
09335621629
gensecbpms@yahoo.co.inderempred@gmail.com

Source:AIDEF CIRCULAR

PROTEST AGAINST THE ARBITRARY DECISION TAKEN BY THE GOVERNMENT FOR CONVERTING THE 219 YEARS OLD STATE OWNED INDIAN ORDNANCE FACTORIES

ALL INDIA DEFENCE EMPLOYEES FEDERATION
INDIAN NATIONAL DEFENCE wORKERS' FEDERATION
BHARTIYA PRATIRAKSHA MAZDOOR SANGH
(RECOGNIZED FEDERATIONS OF DEFENCE CIVILIAN EMPLOYEES)

Ref. No.: 03/AIDEF/INDWF/BPMS/20    Date:18.05.2020

To,The Secretary (DP)
Department of Defence Production
South Block, New Dellhi - 110 001.

SUBJECT::PROTEST AGAINST THE ARBITRARY DECISION TAKEN BY THE GOVERNMENT FOR CONVERTING THE 219 YEARS OLD STATE OWNED INDIAN ORDNANCE FACTORIES INTO A CORPORATION AND LISTING IN THE SHARE MARKET- REPRESENTATION TO BE SUBMITED BY 82 THOUSAND EMPLOYEES.

REFERENCE:: LETTER ADDRESSED TO THE DEFENCE MINISTER
NO.02/AIDEF/INDWF/BPMS/ 20, DATED 17/05/2020

Sir,
Vide letter referred above, have mailed our protest against the arbitrary, illegal and unjustified decision taken by the Government to converting the 219 years old State owned Indian Ordnance Factories into a Corporation and listing in the Share Market._We have informed the Honourable RM that in case the
Government do not put on hold the decision and give opportunity to the Federations to place our views against Corporatization, then the 82,000 employees of Ordnance Factories will go for an Indefinite Strike inspite of theCOVID 19 pandemic and lock down.As a part of our Trade Union action it has been decided that all the 82,000 employees of Ordnance Employees will forward their protest against
Corporatization to the Honorable Prime Minister and the Honorable Defence Minister. This is for your kind information please.

Thanking you,

Yours Sincerely,
(C. SRIKUMAR)
GENERAL SECRETARY
AIDEF
09444080885

(R. SRINIVASAN)
GENERAL SECRETARY
INDWF
09444125799
indwrrsninivasan@gmail.com

(MUKESH SINGH)
GENERAL SECRETARY
BPMS
09335621629
gensecbpms@yahoo.co.inderempred@gmail.com

Source:AIDEF CIRCULAR

PROTEST AGAINST THE ARBITRARY DECISION TAKEN BY THE GOVERNMENT FOR CONVERTING THE 219 YEARS OLD STATE OWNED INDIAN ORDNANCE FACTORIES

ALL INDIA DEFENCE EMPLOYEES FEDERATION
INDIAN NATIONAL DEFENCE wORKERS' FEDERATION
BHARTIYA PRATIRAKSHA MAZDOOR SANGH
(RECOGNIZED FEDERATIONS OF DEFENCE CIVILIAN EMPLOYEES)

Ref. No.: 03/AIDEF/INDWF/BPMS/20    Date:18.05.2020

To,The Secretary (DP)
Department of Defence Production
South Block, New Dellhi - 110 001.

SUBJECT::PROTEST AGAINST THE ARBITRARY DECISION TAKEN BY THE GOVERNMENT FOR CONVERTING THE 219 YEARS OLD STATE OWNED INDIAN ORDNANCE FACTORIES INTO A CORPORATION AND LISTING IN THE SHARE MARKET- REPRESENTATION TO BE SUBMITED BY 82 THOUSAND EMPLOYEES.

REFERENCE:: LETTER ADDRESSED TO THE DEFENCE MINISTER
NO.02/AIDEF/INDWF/BPMS/ 20, DATED 17/05/2020

Sir,
Vide letter referred above, have mailed our protest against the arbitrary, illegal and unjustified decision taken by the Government to converting the 219 years old State owned Indian Ordnance Factories into a Corporation and listing in the Share Market._We have informed the Honourable RM that in case the
Government do not put on hold the decision and give opportunity to the Federations to place our views against Corporatization, then the 82,000 employees of Ordnance Factories will go for an Indefinite Strike inspite of theCOVID 19 pandemic and lock down.As a part of our Trade Union action it has been decided that all the 82,000 employees of Ordnance Employees will forward their protest against
Corporatization to the Honorable Prime Minister and the Honorable Defence Minister. This is for your kind information please.

Thanking you,

Yours Sincerely,
(C. SRIKUMAR)
GENERAL SECRETARY
AIDEF
09444080885

(R. SRINIVASAN)
GENERAL SECRETARY
INDWF
09444125799
indwrrsninivasan@gmail.com

(MUKESH SINGH)
GENERAL SECRETARY
BPMS
09335621629
gensecbpms@yahoo.co.inderempred@gmail.com

Source:AIDEF CIRCULAR

Thursday, March 16, 2017

Cabinet approves additional 2% Dearness Allowance / Dearness Relief due from January, 2017

Cabinet approves additional 2% Dearness Allowance / Dearness Relief due from January, 2017

The Union Cabinet, chaired by the Prime Minister Shri Narendra Modi has approved release of an additional instalment of Dearness Allowance (DA) to Central Government employees and Dearness Relief (DR) to pensioners w.e.f. 01.01.2017. It has increased by 2% over the existing rate of 2% of 
the Basic Pay/Pension, to compensate for price rise.

This increase is in accordance with the accepted formula, which is based on the recommendations of the 7th Central Pay Commission.

The combined impact on the exchequer on account of both Dearness Allowance and Dearness Relief would be Rs. 5,857.28 crore per annum and Rs.6,833.50 crore in the Financial Year 2017-18 (for a period of 14 months from January, 2017 to February, 2018).

This will benefit about 48.85 lakh Central Government employees and 55.51 lakh pensioners.

Source:http://www.pib.nic.in/newsite/erelease.aspx?relid=0

Tuesday, March 14, 2017

Haryana govt revises pension

Haryana govt revises pension

The maximum pension would be Rs 1,12,050, that is, 50 per cent and family pension Rs 67,230, that is, 30 per cent of the highest pay, that is, Rs 2,24,100 in Haryana government.

Haryana has issued notifications regarding revision of pension and family pension in respect of pre-2016 pensioners and family pensioners and those government employees who retired or died in harness on or after January 1, 2016 on the basis of the recommendations of the 7th Central Pay Commission.

The minimum pension or family pension with effect from January 1, 2016, would be Rs 9,000 a month. This will exclude the additional pension or family pension to the old pensioners. The maximum pension would be Rs 1,12,050, that is, 50 per cent and family pension Rs 67,230, that is, 30 per cent of the highest pay, that is, Rs 2,24,100 in Haryana government.

For the existing pensioners, who retired before January 1, 2016, the revised pension or family pension with effect from January 1, 2016, would be determined by multiplying the existing basic pension or family pension by 2.57.

Read at:http://indianexpress.com/article/cities/chandigarh/haryana-govt-revises-pension-4567394/