What is NPS for Bihar Government Employees?
The National Pension System (NPS) covers Bihar state government employees who joined on or after January 1, 2004. Under NPS, the employee contributes 10% of basic pay and the Bihar government contributes 14% of basic pay every month. These contributions go into a pension fund account identified by your unique PRAN (Permanent Retirement Account Number).
Unlike GPF (General Provident Fund) â which applies to pre-2004 employees, see our GPF statement guide â NPS corpus is market-linked and returns vary based on fund performance. The Wikipedia overview of India's National Pension System explains the full framework clearly. To access NPS details, first login via the Bihar government employee HRMS portal login guide.
How to Check NPS Details on HRMS Bihar
- Login to hrms.bihar.gov.in. Need login help? Use the Bihar government employee HRMS portal login guide.
- Navigate to the Finance section on your dashboard. Look for NPS or Pension in the menu.
- Click NPS Statement or NPS Account Details.
- Your NPS details load â PRAN number, monthly employee contribution (10%), monthly government contribution (14%), total contributions, and current corpus value.
- For detailed NAV history and fund performance, visit the official NPS CRA portal by NSDL using your PRAN number.
NPS Tier I vs Tier II Accounts
| Account | Type | Withdrawals |
|---|---|---|
| Tier I (Mandatory) | Primary pension account. Both employee and government contribute here. | Restricted until retirement. Partial withdrawal allowed after 3 years for specific purposes. |
| Tier II (Voluntary) | Optional savings account linked to PRAN. Only employee contributes. | Fully flexible â withdraw anytime. No restrictions. |
| At Retirement | Minimum 40% of Tier I corpus must buy annuity. Remaining 60% paid as lump sum (tax-free). | |
Your NPS deduction amount changes slightly whenever your basic pay changes â due to annual increment or after a DA revision. Since NPS is 10% of basic, higher basic means higher NPS contribution. Track this in your monthly payroll on HRMS Bihar.