National Pension System for NCC Whole Time Officers

Overview

The 2023 handbook describes the National Pension System for NCC Whole Time Officers joining Government service on or after 1 January 2004 without former Government service. It covers account registration, mandatory Tier I contributions, optional Tier II participation, withdrawals, gratuity, and fund choices. These historical rules require current NPS and service-category verification.

What the handbook says

The source limits this chapter to NCC Whole Time Officers commissioned on or after 1 January 2004 without former Government service. It describes unit initiation and PCDA(O) recording of pension account information (2023 handbook, printed pp. 290-291; PDF pp. 301-302).

Tier I is mandatory and Tier II optional. The source records an officer contribution of 10 percent of basic pay plus DA and a Government contribution of 14 percent from 1 April 2019 (2023 handbook, printed p. 291; PDF p. 302).

What this means

This historical chapter concerns one officer category. It does not establish NPS coverage for every Armed Forces officer or replace current PFRDA, NPS Trust, recordkeeping agency, service, tax, or gratuity rules.

Who this applies to

This chapter does not establish NPS coverage for Regular Army officers or for an NCC Whole Time Officer with former Government service. Account history and the officer's governing service terms must be checked before applying these rules (2023 handbook, printed p. 290; PDF p. 301).

Rates and dates

• Recovery begins with the salary for the month after joining, with no recovery for the joining month (2023 handbook, printed p. 291; PDF p. 302).
• The source says DSOP Fund subscription is not recovered from the covered entrant (2023 handbook, printed p. 291; PDF p. 302).
• It records partial withdrawals of no more than 25 percent of the subscriber's own contributions under conditions effective from 21 March 2016. These conditions require current verification (2023 handbook, printed pp. 293-295; PDF pp. 304-306).

What you may need

The unit initiates the prescribed account and nomination information, and PCDA(O) records the pension account details under the source procedure. Current PRAN onboarding, nomination, KYC, withdrawal, and recordkeeping requirements must be obtained from the current NPS process. The source says a partial-withdrawal request uses the specified form and relevant documents (2023 handbook, printed p. 294; PDF p. 305).

Authorities and source references

• Ministry of Finance notification F.No. 1/3/2016-PR, 31 January 2019
• PFRDA Circular No. PFRDA/2016/7/EXIT/2, 21 March 2016
• DoP&PW OM No. 7/5/2012-P&PW(F)/B, 26 August 2016
• Ministry of Defence letter No. 5431/DGNCC/PC/TCS/MS(b)/1130/A/D(GS-VI), 23 May 1980

Related guidance

• Retirement benefits processing
• Income tax for Army officers
• Defence Services Officers Provident Fund

About this guidance

This is a plain-language summary for general information. It is not an official order or an authority for a claim. Confirm the applicable order and your individual eligibility with the competent authority or PCDA(O) before acting.