Introduction
On August 16, 2024, the Ministry of Finance announced new accessibility standards for pension schemes governed by the Pension Fund Regulatory and Development Authority (PFRDA) Act, 2013. Developed in consultation with the Chief Commissioner for Persons with Disabilities, these standards are designed to improve accessibility for persons with disabilities across physical and digital platforms.
New Accessibility Standards Overview
The newly implemented guidelines require all PFRDA-regulated intermediaries, including pension funds and service providers, to adhere to the 'Harmonized Guidelines and Standards for Universal Accessibility in India 2021.' These guidelines specify requirements for physical infrastructure and online accessibility, ensuring an inclusive financial environment.
Physical Accessibility Requirements
Intermediaries are obliged to provide the following physical infrastructure, which must meet the specifications detailed in the Harmonized Guidelines:
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Service Desks:
- Information or service desks must accommodate users with diverse needs, including those who use wheelchairs or have sensory disabilities.
- Desks should be strategically located near entrances and equipped with tactile indicators for visually impaired individuals.
- Height specifications for desks must range from 750mm to 1100mm to cater to various user requirements.
- Additional features should include assistive devices, clear signage, and trained staff to support individuals with disabilities.
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Tactile Guidance Paths:
- Clear tactile paths should be installed throughout the building to assist visually impaired persons, with handrails provided on both sides where necessary.
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Ramps:
- Ramps must be designed to accommodate users with mobility challenges, ensuring safe and easy navigation. Specific guidelines pertaining to gradient, width, surface texture, and edge protection are stipulated to enhance accessibility.
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Handrails and Grab Bars:
- Handrails must be constructed to allow for a secure grip, with specific dimensions and positioning mandated to maximize safety for all users.
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Staircases:
- An additional flight of steps must be provided where the height difference exceeds 300mm to ensure safe access for ambulant users.
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Branch Accessibility:
- Accessibility improvements are expected over the next two years, coinciding with lease renewals to ensure compliant infrastructure is established at all locations.
Digital Accessibility Requirements
The guidelines also extend to online platforms, aiming to create an inclusive digital environment for users with disabilities.
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Website and Application Accessibility:
- Websites and applications must be user-friendly, compatible with assistive technologies, and provide features such as text-to-speech functionality and alternative text for images.
- Compliance with established accessibility standards, including GIGW and IS 17802, is essential.
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Communication Tools:
- Intermediaries must develop accessible communication strategies that encompass closed captioning, sign language interpretation, and enhanced auditory support.
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Digital Document Accessibility:
- All digital documentation, including forms and transaction statements, must be available in accessible formats, such as Braille and large fonts.
Training and Awareness
Intermediaries are required to provide formal training to staff on interacting with individuals with disabilities, focusing on enhancing service delivery and overcoming communication barriers.
Conclusion
The introduction of these accessibility standards represents a significant step towards achieving a more inclusive financial services ecosystem for persons with disabilities under the PFRDA. Compliance with these guidelines not only fulfills legal obligations but also fosters a supportive environment that respects the dignity and needs of all users. As a call to action, all PFRDA-regulated intermediaries must take proactive steps to implement these standards and enhance their services to support accessibility effectively.