Armed Forces Personnel Provident Fund (AFPP Fund)

1. Nomination Rules

Topic Details
Why Nomination? Ensures smooth transfer of fund in case of subscriber’s death.
Who can be Nominated? Only family members. Cannot nominate outsiders if family exists.
How to Nominate? Submit Nomination Form through OC Unit to PAO. Avoid using unclear terms like "lump sum"—write "Full Amount".
Account Number? The Army Number itself serves as the AFPP Fund Account Number.
Changing Nomination? Can cancel anytime by sending fresh nomination via OC Unit to PAO.
Adopted Children Legally adopted children are considered family; natural father's children given in adoption are excluded.
If No Valid Nomination? The amount is shared equally among surviving family members except:
  • Major sons
  • Major sons of deceased sons
  • Married daughters whose husbands are alive
If no other members exist, these categories also share.
Posthumous Child? Eligible to receive AFPP Fund share like any other child.

2. Subscription (How and When Subscriptions Happen)

Topic Details
When Starts? Compulsory after 1 year of continuous service OR voluntary anytime before that.
Minimum Subscription? As per latest Government Orders (currently 6% of emoluments minimum).
Maximum? Up to total emoluments (no upper limit if willing).

3. Change in Subscription

Action Details
How to Change Amount? Use IAFA-831 form through OC Unit.
Rules for Change
  • Can reduce once per year (but not below minimum)
  • Can enhance twice per year
  • Must be in whole rupees

4. Cessation of Subscription

When Subscription Stops Details
General Rule Stops when individual ceases to be Govt employee.
Before Retirement? No subscription for last 3 months before retirement.

5. Interest on AFPP Fund

Topic Details
Interest Rate As notified yearly by Govt of India (similar to GPF rates).
No Interest? If deduction was unauthorized, no interest is paid.
Post Retirement/Death Interest Paid up to:
  • The month before payment
  • OR up to 6 months after retirement/death, whichever is earlier.

Important Note

Delay in withdrawal beyond 6 months means no additional interest beyond the first 6 months. Always check latest PAO/Defence Circulars for current interest rates and forms.

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