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Absolutely yes, but when you have meager basic salary < 25K for max employees, 10-15% subscription PM is nothing.

The corpus after all is market linked and at the time of retirement you may get as little as 2000 PM pension.

Family pension in case death in harness & 1/4
assured minimum pension under #NPS is need of hour.

Presently family pension upon death in harness allowed provisionally in center govt services but not in state govts and PSU/PSBs.

Yes, the load of pension on govt exchequer has increased but pension gives social security 2/4
Assured pension ensure that a govt servent do not need to indulge in corruption as his old age is secured.

Assured pension ensure self respect and sense of pride in old age.

Assured pension helps the families whose bread earner die in harness. 3/4
Assured pension is reward for service to nation one does lifelong on fix salary and bounded by rules unlike corporate.

Minimum 25-30% subscription of basic pay by employer with assurance of minimum 50% of last pay as pension like the old pension scheme is way forward📌📌
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