RTI reply on Unified Pension Scheme

Online RTI of Siri Dhavan Sangani

RTI No.: PFRDA/R/T/25/0025
Sir/Madam,

The pointwise reply with regard to information sought for information pertaining to PFRDA by you is being provided as under: 

S. No	with ng strength / Information Sought	STR / Reply
	(A) Regulation 11(9) & 15(I)(iv)(b): -
	It is narrated at Regulation 11 (9) & 15(b) that shortfall amount, if any, may be replenished by UPS subscriber before superannuation/voluntary retirement and if no replenished then pay out reduced proportionately.	Replenishment is an option under UPS in case of shortfall and not mandatory. With respect to Pool Corpus, refer Regulation 7.1(d) of PFRDA (Pension Fund Regulatory and Individual Development Authority / Operationalisation of amount, if any, may be replenished). Volunteed Pension Scheme Under National Pension subscriber then when the use of Pool corpus as system of reference.
1	define under Regulation 7 or say when the pool/UPS may be found on PFRDA website at Schemes corpus to be used/come in picture is neither-UPS >FAQs (UPS). The link for the same is also defined/express through any given below: practical/calculated example in the notification dated 24.01.2025 issued by Ministry of Finance (Annecure Scenario I to 7) nor in the notification of PFRDA dated 19.03.2025 (calculate III to V & VII). Hence, if any clarification/guidance/instruction issued on it, kindly provide the copy thereof.
	(B) Regulation 13(I)(c) - Voluntary Retirement
2	In case of voluntary retirement after a minimum qualifying service period of twenty-five years, from the date such employee would have superannounced, if the service period had continued to superannounce.13(I)(c): In this connection, I want the information by describing one example that as suppose an official after completing 25 years of service taking voluntary retirement at the age of 50 years. Now, as per the regulation list, he has to wait for his assured/datmissible pension for 10 years or say in another word for 10 years he would get nothing. Further elaborated suppose no official having DOR 10.01.1981, DOJ 20.01.2004 completing 25 years of qualifying service say on 26.01.2003 drawing base pay 48200/- in level 45 has applied for voluntary retirement under UPS Regulation w.e.f. 01.02.2000. In such; Whether, is he Eligible for assure payout under Regulation 15(1)?i. w.e.f. 01.02.2030? or; ii. Will he eligible w.e.f. 01.01.2041 as per regulation 13(I)(c)? What pension amount to be fixed?Hence, if any clarification/guidance/instruction issued on above, kindly provide the copy thereof.	Illustrations, scenarios do not form part of information as per RTI Act, 2007.
	Regulation 15(2) – Withdrawal Percentage:
3	UPS Subscriber shall have an option of withdraw an amount not exceeding 60% individual Corpus subject to proportional reduction in assured pay out at superannuation in such, 40% corpus, based on which reduce assure pay-out is being paid, is refundable to the nominee in the case of Death of UPS Subscriber or his/her spouse as the regulation may silent on it.Hence, if any clarification/guidance/instruction issued on above, kindly provide the copy thereof.	Under UPS, post retirement the benefits are unavailable to the subscriber and the legally wedded spouse only. Refer Rule 16 of PFRDA (Pension Payment Regulations) and Development Authority / Operationalisation of Unified Pension Scheme Under National Pension System) Regulations, 2025. A copy of the FAQs on UPS may be found on PFRDA website at Schemes >UPS >FAQs (UPS). The link for the same is also given below:https://pfrda.org.in/web/pfrda/faqs

Yours faithfully,

---

Note: Shri Moon M.C Phukon, Chief General Manager & F.A.A. Pension Fund Regulatory and Development Authority, E-500, Tower-E-Shi Floor, World Trade Centre, Nauroji Nagar, New Delhi -110 029 (Tel No. 011-40717000 & E-mail: mono.phukon@pfrda.org.in) is the First Appellate Authority for filing the first appeal, if any (within 30 days from the date of issue of the letter.)