jpz;Lf;fy; vq;nfy;];
GPF
gioa (tiuaWf;fg;gl;l)
Xa;T+jpaj; jpl;lk;
(31.03.2003 tiu)
jkpo;ehL Xa;T+jpa tpjpfs;
1978-d; gb Xa;t+jpa
tpjpKiwfs;
tFf;fg;gl;Ls;sd.
Xa;t+jpaj;ij CopaUf;F
vt;tsT> vg;gbf; nfhLf;f
Ntz;Lk; vd;gij tpsf;Fk;
jpl;lk;
jkpof murpy; 31.03.2018
Njjpapy; 7,48,805 Xa;T+jpau;fs;/
FLk;g Xa;T+jpau;fs; cs;sdu;.
Xa;t+jpaj;jpw;fhf vt;tpjg;
gpbj;jKk; nra;ag;gLtjpy;iy
Xa;T+jpa ,af;Feuff;
fl;Lg;ghl;by; nray;gLk;
Xa;T+jpa jhuHfspd; Fiwiaj;
jPHf;f Pension Adalat
nray;gLfpwJ.
GPF fzf;Ffisg; guhkhpf;f
jdpf; fl;lzk; ,y;iy.
GPF fzf;Ffis murpd;
jiyikf; fzf;fhaH
guhkhpg;ghH.
1|Page(4)
GPF – CPS – NPS jpl;lq;fspd; xg;gPl;L ml;ltiz
CPS NPS
jkpof murpd; kj;jpa murpd;
tiuaWf;fg;gl;l gq;fspg;G tiuaWf;fg;gl;l gq;fspg;G
Xa;T+jpaj; jpl;lk; Xa;T+jpaj; jpl;lk;
(01.04.2003 Kjy;) (01.01.2004 Kjy;)
15 Mz;Lfs; Kbtile;j
9 Mz;LfSf;Fg;gpd;
epiyapYk; Xa;t+jpa
19.09.2013-y; PFRDA rl;l
tpjpKiwfs; VJk; ,Jtiu
tpjpKiwfs; tFf;fg;gl;ld.
,aw;wg;glNt ,y;iy.
Xa;t+jpa gq;Nfw;Gj; njhifia gq;Nfw;Gj; njhifia
CopahplkpUe;J vt;tsT> CopahplkpUe;J vt;tsT>
vg;gb gpbf;f Ntz;Lk; vd;gij vg;gb gpbf;f Ntz;Lk; vd;gij
kl;Lk; tpsf;Fk; jpl;lk;. tpsf;Fk; jpl;lk;.
31.03.2018 tiu 5,07,233 muR kj;jpa> khepy muR Jiwfspy;
CopaHfs; & MrphpaHfs; 30.09.2018 Njjpapy; 60,00,000
cs;sdH Copau;fs; ,ize;Js;sdu;.
31.03.2018 tiu 30.09.2018 tiu
CopaHfsplkpUe;J CopaHfsplkpUe;J
&.22,981,00,00,000/- &.2,22,000,00,00,000/-
(22,981 Nfhb) gpbj;jk; (2.22 ,yl;rk; Nfhb) gpbj;jk;
nra;ag;gl;Ls;sJ. nra;ag;gl;Ls;sJ.
,y;iy ,y;iy
vt;tpj FiwjPH mikg;Gk; FiwjPH mikg;ghf GRO
,y;iy nray;gLfpwJ.
gy;NtW jiyg;Gfspd; fPo;
(CRA, POP, Trustee bank, Pension
,y;iy.
fund Managers) fl;lzk; gpbj;jk;
nra;ag;gLfpwJ.
muR jfty; tpgu njhFg;G PFRDA thy; epakpf;fg;gl;l
ikaj;jhy; fzf;F PFM, CRA, NSDL Nghd;wit
guhkupf;fg;gLfpwJ. fz;fhzpf;Fk;.
Siva Tams Ldr Tpt
 jpz;Lf;fy; vq;nfy;]; GPF – CPS – NPS jpl;lq;fspd; xg;gPl;L ml;ltiz

CopaH & murpd; xl;Lnkhj;j

tpjpKiwfs; VJk; ,Jtiu
jkpo;ehL Xa;T+jpa tpjpfs; gq;Fj; njhifapy; 40%
tFf;fg;glhjjhy; Xa;t+jpak;
1978-d; gb Xa;T+jpak; cz;L njhifapid ,Ug;G itj;J
,y;iy.
Xa;T+jpak; toq;fg;gLfpwJ.

jkpo;ehL Xa;T+jpa tpjpfs; tpjpKiwfs; VJk; ,Jtiu kj;jpa muR CopaH Xa;T+jpa
1978-d; gb FLk;g Xa;T+jpak; tFf;fg;glhjjhy; FLk;g tpjpfs; 1972-d; gb FLk;g
cz;L Xa;t+jpak; ,y;iy. Xa;T+jpak; cz;L

30 Mz;Lfs; gzpGupe;jhy; CopaH & murpd; xl;Lnkhj;j

KO Xa;T+jpak; gq;Fj; njhifapy; 40%
,y;iy
(mjpfg;gl;rkhf filrp njhifapid ,Ug;G itj;J
Cjpaj;jpy; 50% tiu) ngwyhk;. Xa;T+jpak; toq;fg;gLfpwJ.

tpUg;g Xa;T+jpa jpl;lk;

cs;sJ. Ie;jhz;L Weightage ,y;iy ,y;iy
cz;L.

,ayhik Xa;T+jpak; cz;L.

,y;iy cz;L
(Invalid pension)

fl;lha Xa;T+jpaj; jpl;lk;

cz;L. (Compulsory Retirement ,y;iy ,y;iy
on Public Interest)

fUiz Xa;T+jpak;
(Compassionate Allowance) ,y;iy cz;L
cz;L.

<Lfl;Lk; Xa;T+jpak;
,y;iy ,y;iy
(Compensation Pension) cz;L.

gzpapd; NghJ ,we;jhy;

Fiwe;jgl;rk; khjk; &.9,000
filrp Cjpaj;jpy; 30% FLk;g ,y;iy
fpilf;Fk;.
Xa;T+jpak; cz;L.

7 Mz;LfSf;Fg;gpd; gzpapd;
NghJ ,we;jhy; filrp Fiwe;jgl;rk; khjk; &.9,000
,y;iy
Cjpaj;jpy; 50%; FLk;g fpilf;Fk;.
Cjpakhff; fpilf;Fk;.
2|Page(4)

Siva Tams Ldr Tpt

 jpz;Lf;fy; vq;nfy;]; GPF – CPS – NPS jpl;lq;fspd; xg;gPl;L ml;ltiz

FLk;g Xa;T+jpa Fiwe;j gl;r

,y;iy Fiwe;jgl;rk; khjk; &.9,000
cj;jputhjk; &8,750/-

tUq;fhy itg;Gepjpj; jpl;lk;

,y;iy ,y;iy
cs;sJ.

tUq;fhy itg;G epjpapy; Xa;T+jpa epjpapy; Copaupd;

,y;iy
Kd;gzk; ngWk; trjp cz;L. gq;fspg;gpy; 25% ngwyhk;.

tUq;fhy itg;G epjpapy; fld; Xa;T+jpa epjpapy; Copaupd;

,y;iy
ngWk; trjp cz;L. gq;fspg;gpy; 25% ngwyhk;.

itg;G epjpia mry; tl;bAld;;

muR epu;zapj;j tl;b gq;Fr;re;ij mghaq;fSf;F
jpUk;gg; ngWk; cj;jputhjk;
fpilf;Fk;. cl;gl;lJ.
cz;L.

gzpf;fhy gzpf; nfhil

,y;iy cz;L
(Service Gratuity) cz;L.

,wg;G gzpf; nfhil (Death

,y;iy cz;L
Gratuity) cz;L.

gzp Xa;T gzpf; nfhil

,y;iy cz;L
(Retirement Gratuity) cz;L.

gzpf;nfhil thapyhf 2 Kjy; gzpf;nfhil cz;L. mjpf

16½ khj Cjpak; fpilf;Fk;. gl;rk; &.20,00,000/-
,y;iy
mjpf gl;rk; &.20,00,000/- (20 ,yl;rk;)
(20 ,yl;rk;)

Siva Tams Ldr Tpt

3|Page(4)
 jpz;Lf;fy; vq;nfy;]; GPF – CPS – NPS jpl;lq;fspd; xg;gPl;L ml;ltiz

Xa;t+jpaj; njhifapy; %d;wpy;

xU gq;if (10 Mz;Lfs;)
,y;iy ,y;iy
nkhj;jkhf njhFj;Jg; ngWk;
Commutation trjp cs;sJ.

tpiythrp caHtpd;
mbg;gilapy; mftpiyg;gb
Xa;t+jpaNk ,y;iy Xa;t+jpak; khwhJ
caUk; Nghnjy;yhk; Xa;t+jpak;
caUk;.

Cjpaf; FOtpd; gadhf

Xa;t+jpaNk ,y;iy Xa;t+jpak; khwhJ
Xa;T+jpaKk; caUk;

khjhe;jpu kUj;Jtg;gb &.300/- ,y;iy ,y;iy

FLk;g ghJfhg;G epjpahf

,y;iy ,y;iy
&.50,000/- toq;fg;gLfpwJ.

80 tajpw;F Nky; capUld;

cs;NshUf;F $Ljy;
Xa;T+jpak;> FLk;g Xa;Tjpak; ,y;iy Xa;t+jpak; cauhJ
20% Kjy; 100% tiu
mjpfkhff; fpilf;Fk;.

Siva Tams Ldr Tpt

4|Page(4)