Pension Funds Business Guide
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All 5 Documented Cases
निवेश नीति विवरण समीक्षा में PFRDA उल्लंघन जुर्माना
₹5-25 लाख penalty per violation + 0.1-1% AUM compliance cost; 20-40 hours/month manual review for ₹1000+ crore AUM fundsPension funds under NPS must strictly follow IPS guidelines set by PFRDA, reviewed half-yearly by Investment Committees. Violations of prudential norms like exposure limits trigger penalties.
IPS उल्लंघन से खराब निवेश निर्णय हानि
1-3% reduced AUM returns (₹10-100 crore opportunity loss for ₹1000 crore fund); divestment costs ₹5-20 लाख per instanceNon-adherence to IPS limits like 5% Debt MF cap or 3% InvIT/REIT exposure results in missed opportunities or forced sales, impacting returns.
GPF अतिरिक्त भुगतान सीमा उल्लंघन
₹60,000 overpayment recovery + ₹10,000-50,000 audit penalty; 10-20 hours investigationOverpayment beyond statutory limit due to average balance miscomputation leads to government audit recoveries and penalties.
राजस्व अपरिशोधन और कल्याण प्रणाली रिसाव में कमी
If 13% reduction achieved but baseline leakage remains ~15–20%, current pension system leakage ≈ 2–5% of annual disbursements. For annual EPFO pension payments (~₹50,000 crore estimated), leakage = ₹1,000–2,500 crore annually.BCG report confirms India's welfare system leakage decreased by 13% through Aadhaar and digital payment integration. However, this implies that even with reforms, leakage persists. For pension benefit payments, leakage mechanisms include: delayed beneficiary account credits, failed bank transfers, reconciliation lags (shortfalls between authorized and received amounts), and manual correction backlogs. The announcement of NPS annuity rule changes (40% reduced to 20%) and special provisions for smaller portfolios indicates complex, manual calculation workflows prone to errors.