Sanjay Pandey ICAS@1994

Whole Time Member (Finance), PFRDA
# Additional Secretary (VRS) FA&CAO, EPFO,GoI
# JS&FA, Ministry of Social Justice & Empowerment
Tweets in personal capacity.

[PFRDA @PFRDAOfficial]

Government extends additional NPS investment choices to eligible employees of Central Autonomous Bodies (CABs).

Eligible CAB employees can now choose between LC-75 High, offering equity exposure of up to 75% for higher long-term growth potential, and the Aggressive Life Cycle Fund, with equity exposure of up to 50%, providing a balanced approach between growth and stability.

This initiative provides greater flexibility for subscribers to align their pension investments with their individual risk appetite, financial goals and retirement planning needs, further strengthening the National Pension System.

Read Now : https://t.co/w6T1SgwxSw

#PFRDA #NPS #NPSZaruriHai #RetirementPlanning #PensionForAll #FinancialInclusion #CentralAutonomousBodies #FinancialSecurity

[PFRDA @PFRDAOfficial]

Strengthening Global Perspectives on Social Security: PFRDA Hosts Russian Delegation
It was an honour for the Pension Fund Regulatory and Development Authority (PFRDA) to host a high-level delegation from the @Russia_UN today during the Delhi leg of their official visit to India. The bilateral exchange centered on fostering mutual understanding and sharing best practices in the social protection of senior citizens, with a specific focus on India’s robust National Pension System (NPS).

Key Delegations in Attendance
The visiting Russian delegation was led by:

Ms. Olga Batalina, First Deputy Minister of Labour and Social Protection of the Russian Federation

Ms. Antonina Gladkova, PS to Ms. Batalina

Ms. Kristina Ananina, First Secretary, Embassy of Russia in India

Mr. Andrey Tiutin, Attaché, Embassy of Russia in India

The Indian delegation was led by Shri Sanjay Pandey, Member (Finance), PFRDA, and was ably supported by our Executive Directors, who provided deep institutional insights along with their respective teams:

Ms. Mamta Rohit, ED, PFRDA

Mr. Ashok Kumar Soni, ED, PFRDA

Ms. Sumeet Kaur Kapoor, ED, PFRDA

Key Highlights of the Bilateral Dialogue
India’s Social Security Framework: The PFRDA team delivered a comprehensive presentation detailing India’s evolving social security landscape, highlighting how the National Pension System (NPS) leverages technology, choice and robust regulation to ensure sustainable financial security for senior citizens.

The Russian Experience: The visiting officials provided valuable insights into the architecture of Russia's social security, pension and insurance sectors, detailing their own models for elderly welfare and risk management.

Collaborative Learning: The discussion emphasized the shared challenges and unique institutional solutions both nations employ to address demographic shifts and enhance longevity literacy.

Cross-border dialogues like these are crucial for evolving regulatory frameworks and designing pension systems that are inclusive, resilient, and adaptive to the needs of a changing global workforce. We extend our gratitude to Ms. Olga Batalina and the entire delegation for an enriching and collaborative session!

#PFRDA #NPS #SocialSecurity #Pensions #FinancialInclusion #InternationalCollaboration #RetirementSecurity

[Sanjay Pandey ICAS@1994 @pansanjay16]

The Value of Starting Early

Even small investments made consistently over long periods can grow significantly over time, creating meaningful financial foundations.

Why regret later, start with NPS Vatsalya today.

#NPSZaruriHai
#NPSVatsalya
#PFRDA

https://t.co/NyloIGOl0D

[PFRDA @PFRDAOfficial]

Shri M. Nagaraju, Secretary, @DFS_India , Ministry of Finance, Government of India, delivered the Keynote Address at the Atal Pension Yojana Annual Felicitation Programme 2026 being held today in New Delhi.

During his address, he appreciated the collective efforts of banks and PFRDA in strengthening the implementation and outreach of Atal Pension Yojana across the country.

As part of the programme, Shri M. Nagaraju also launched the APY video, highlighting the journey, impact, and continued progress of Atal Pension Yojana in advancing pension inclusion and financial security for citizens across India.

@nsitharaman @nsitharamanoffc @FinMinIndia @PIB_India @DDNewslive @mygovindia

#PFRDA #APY #AtalPensionYojana #FinancialInclusion #PensionForAll #FinancialSecurity

[Sanjay Pandey ICAS@1994 @pansanjay16]

How To Retire Early And Rich? PFRDA Chairman On Pension Funds, Retiremen...

https://t.co/aK5haNKXpl via @YouTube

[Sanjay Pandey ICAS@1994 @pansanjay16]

NPS वात्सल्य माता-पिता/अभिभावकों और बच्चों के लिए फायदेमंद हैं। कम उम्र से ही बचत की आदत डालें, फाइनेंशियल लिटरेसी को बढ़ावा दें I NPS वात्सल्यअकाउंट खोलकर ब��्चे को सशक्त बनाएं।NPS वात्सल्य लंबे समय की फाइनेंशियल सुरक्षा का एक तोहफा है जो बच्चे के साथ जीवन भर बढ़ता है।

[PFRDA @PFRDAOfficial]

PFRDA is honored to partner in the prestigious Hindustan Times Leadership Summit 2025, a platform that brings together visionaries and changemakers shaping India's future.

We're committed to enhance awareness of #NPSVatsalya -an innovative, future-ready saving-cum-pension instrument crafted to secure financial well-being from the very beginning.

Together, we are committed to building a stronger, more inclusive social security framework for India’s future generations.

#PFRDA #NPS #FinancialLiteracy
#TransformingTomorrow #HindustanTimesLeadershipSummit2025

@htTweets @FinMinIndia @nsitharaman @nsitharamanoffc @PMOIndia @DFS_India

[Sanjay Pandey ICAS@1994 @pansanjay16]

NPS Vatsalya scheme was launched on September 18, 2024 to secure the long-term financial well-being of our young ones & empower families to plan confidently for the future. On Children’s Day, let’s gift that truly lasts, a strong foundation for child's lifelong security & growth!

[Sanjay Pandey ICAS@1994 @pansanjay16]

Government approves extension of Life Cycle 75 (LC 75) and Balanced Life Cycle (BLC) options to Central Government Employees under NPS and UPS Scheme
https://t.co/s6zjDn0lkd

[PFRDA @PFRDAOfficial]

Glimpses from #NPSDiwas | 1st October 2025

At the conference on “Inclusive Pensions, Innovative Solutions: Strengthening Retirement Security in India”, a special panel discussion focused on the Launch of PF Schemes under the Multiple Scheme Framework and Other Choices.

The session highlighted how innovative pension fund schemes can expand subscriber choices and further strengthen retirement planning for millions of Indians.

#PFRDA #NPSDiwas #NPS #NPSZaruriHai #RetirementSecurity #FinancialInclusion #PensionForAll

[Nirmala Sitharaman Office @nsitharamanoffc]

The schemes under NPS have generated attractive returns. The average annual returns since inception under:

- Equity scheme of NPS have been over 13%.

- Around 9% for both Corporate Debt scheme and Government Securities scheme.

- Smt @nsitharaman during #NPSDiwas Conference in New Delhi.

[Nirmala Sitharaman Office @nsitharamanoffc]

Effective today i.e. October 1, 2025, the Multiple Scheme Framework (MSF) is on. Non-government NPS subscribers will be able to allocate up to 100% of their funds in Equities.

Each scheme will have moderate and high-risk variants, with equity exposure permitted up to 100%, compared to the current 75% in high risk options.

An investor would be able to choose the new schemes under MSF without needing to invest in the “common schemes”, the old schemes of various pension funds.

Non-government subscribers can also opt for multiple schemes across different CRAs (central recordkeeping agencies) under a single Permanent Retirement Account Number (PRAN).

This will cater to different investor preferences, giving them greater flexibility.

Furthermore, the cost structure remains low, capped at 0.30% of assets under management (AUM) annually, with an additional 0.10% incentive for PFs that bring in new subscribers. For subscribers, the MSF represents a major expansion of choice and personalisation.

- Smt @nsitharaman during #NPSDiwas Conference in New Delhi.

[Nirmala Sitharaman Office @nsitharamanoffc]

The way forward for NPS and Pensions is:

✅Broaden coverage to the informal, self-employed, and platform/gig workforce by simplifying onboarding, offering local language interfaces, and enabling doorstep/e-KYC so enrolment is quick, easy and trusted.

✅Deepen women’s pension security through workplace auto-enrolment, contribution continuity during maternity and caregiving breaks and micro auto-debits that keep small, regular savings from lapsing.

✅Embed financial literacy early - in schools, ITIs, colleges and community centres - so households begin contributions in their 20s and just before 30s and compounding works through the entire working life.

NPS should turn into a true 'Jan Andolan'. We should convert intent into action for the benefit of crores of Indians.

✅Hold costs down and lift service quality with time-bound, digital-by-default grievance redressal, clear disclosures and portability that works seamlessly across products and platforms.

✅Keep the system fiscally sustainable by aligning contributions, prudent asset allocation and inflation-aware benefits so pensions remain reliable across economic cycles.

✅I want @DFS_India and @PFRDAOfficial to explore - can we train women as 'Pension Sakhis' and incentivise them for sustained increase in enrolment, much like ‘Bima Sakhis’ of @LICIndiaForever.

- Smt @nsitharaman during #NPSDiwas Conference in New Delhi.

[Sanjay Pandey ICAS@1994 @pansanjay16]

आशा है कि यह PFRDA पॉडकास्ट केंद्र सरकार के NPS कर्मचारियोंं के लिए एक विकल्प, एकीकृत पेंशन योजना (UPS) को बेहतर ढंग से समझने में आपकी मदद करेगा। सोच-समझकर चुनाव करें, UPS चुनें और NPS स्विच करने का विकल्प बनाए रखें।

[PFRDA @PFRDAOfficial]

Unified Pension Scheme (UPS) को समझें | PFRDA पॉडकास्ट

देखें और शे���र करें।

[Sanjay Pandey ICAS@1994 @pansanjay16]

Hope this PFRDA Podcast helps in better understanding of Unified Pension Scheme, an option for Central Government NPS subscribers. Make informed choice, opt for UPS and retain NPS switch choice.
https://t.co/OxQWkYRSxE

[Sanjay Pandey ICAS@1994 @pansanjay16]

Multiple Scheme Framework (MSF) provides additional investment choices to Non-Government Subscribers under NPS. Pension Funds may design the schemes as per this circular for different persona, subject to the prior approval from PFRDA.

[PFRDA @PFRDAOfficial]

To strengthen India’s pension landscape and offer greater flexibility, #PFRDA has launched the #MultipleSchemeFramework (MSF) under Section 20(2) of the PFRDA Act, 2013.

This framework marks a significant step towards personalized retirement solutions and aligns #NPS with global best practices.

To know more: https://t.co/zKSy9NVWof

🗓 Effective from 1st October 2025 (NPS Diwas).

#MSF #RetirementPlanning #FinancialSecurity #PensionForAll

@DFS_India @FinMinIndia @PIB_India

[Sanjay Pandey ICAS@1994 @pansanjay16]

Union Minister for Finance and Corporate Affairs chairs 29th meeting of Financial Stability and Development Council (FSDC), in Mumbai.
FM Smt. Nirmala Sitharaman: Interest of common citizens to be kept in mind and refund the claims of rightful claimants.
https://t.co/mCNse1zdrR

[Sanjay Pandey ICAS@1994 @pansanjay16]

My Salute to IES officer and family.

[NOTTO @NottoIndia]

NOTTO pays tribute to Smt. Surbhi Jain, Joint Secretary, Government of India, who donated her 2 kidneys, Liver, Pancreas and 2 corneas after death. She continues to live in recipients whose lives were transformed by her selfless act.
#donateorganssavelives
#nottoindia

[Bureaucrats India @BureaucratsInd]

#BITransferPosting

The Appointments Committee of the Cabinet has approved the in-situ upgradation of Sanjay Pandey, ICAS (1994) as Financial Advisor & Chief Accounts Officer, EPFO, under the Ministry of Labour & Employment.

#transfer #posting #bureaucracy #BureaucratsIndia

@DoPTG@DoPTGoI @socialepfo @LabourMinistry @pansanjay16

[Sanjay Pandey ICAS@1994 @pansanjay16]

@Pratishtha_DST Thankful to GoI for giving this big opportunity. Dear Wife, you are my better half, serving to improve the nation's S&T infrastructure while also managing home front, three lovely kids & me.

I am more proud of you.