Subscriber can access their Pension Account through:

• Physical mode – by visiting his/her service provider (Employer/PoP)

• Online - using login credentials provided by CRA in the Account Opening Kit

• Web-based login

• Mobile Application

• Telephone - using the T-Pin received in the Account Opening Kit.

Toll Free numbers – NSDL 1800 222 080 and Kfintech 1800 208 1516

It normally takes three working days for the contributions to get reflected in your NPS. account. The process flow entails:

Receipt/realization of contribution in service provider’s (PoP) bank account

• Upload of details by service provider (PoP) to CRA and fund remittance to Trustee Bank

• Transfer of the funds from the Trustee Bank to Pension Fund based on CRA instructions.

• Investment of the funds by Pension Fund and declaration of scheme NAV

• Allocation of units by CRA for the contributed amount

• Reflection of corresponding units in the subscriber’s NPS account.

Subscribers will receive SMS & Email confirmations for credit of units in account.

For changing the account details as recorded with CRA, subscriber must submit the request to the Service Provider (PoP) or Employer, as the case may be: -

Subscriber can compare the performance of his/her Pension Account vis a vis the performance of each Asset Classes and each Pension Funds which is available at the following web link http://npstrust.org.in/returncalc

The returns generated by the Pension Funds For each Asset Class Is published on a weekly basis by NPS Trust and available at the following web link http://npstrust.org.in/return-of-npsscheme

The portfolio of Asset Classes managed by each Pension Fund is periodically published by the PensionFunds on their websites. http://npstrust.org.in/content/scheme-portfolio

A subscriber can withdraw from NPS in the following circumstances/conditions:

i) Partial Withdrawal - after completion of 3 years subscriber can withdraw 25% of his/her own contributions for specific reasons viz illness, disability, education or marriage of children,purchasing property, starting a new venture. A subscriber can partially withdraw upto a maximum of 3 times during his/her entire tenure in NPS.

ii) Premature Withdrawal – Any time before attaining age of 60 years or superannuation or before completion of 03 years (if subscriber joined NPS after attaining 60 years of age), subscriber can withdraw maximum 20% of the corpus as lump sum and minimum 80% of the corpus must be utilized for purchasing an annuity plan for receiving the pension. If the accumulated corpus is less than Rs 2.5 lakh, the entire corpus is paid as lump sum to the subscriber.

Normal Withdrawal –on attaining age of 60 years or superannuates in accordance with the service rules applicable to such subscriber (if subscriber has joined NPS before 60 years of age) or after completion of 03 years (if subscriber has joined NPS after 60 years of age), subscriber can withdraw maximum 60% of the corpus as lump sum and minimum 40% of the corpus must be utilized for purchasing an annuity plan for receiving the pension. If the accumulated corpus is less than Rs 5 lakhs, the entire corpus is paid as lump sum to the subscriber.

Subscriber also has the option to: -

(i) Continue in NPS till the age of 75 years or exit any time after such continuance before75 years.

(ii) While exiting from NPS, subscribers can.

1. Defer receiving the lump sum (60% corpus) till the age of 75 years or withdraw the same installments till 75 years

2. Defer Annuity purchase (40%corpus) till the age of 75.

In case of an unfortunate event of death of a subscriber, the nominee/legal heir can withdraw. the entire accumulated corpus. The nominee / family members of the deceased subscriber can also purchase annuity if they so desire.

On attaining the age of 60 years or superannuation, the NPS account of a corporate subscriber will be auto- continued under All Citizen Model up to 75 years of age.

Subscriber can exercise the option of normal exit from NPS at any point of time he/she wishes, after attaining the age of 60 years / superannuation.

At the age of 75 years, the account must be closed mandatorily.

Partial withdrawals from your NPS account are allowed for dealing with contingency. situations and following are the reasons/conditions for which partial withdrawal is allowed:

1. Higher education of his/her children

2. Purchase or construction of residential house or flat

3. Treatment of specified illnesses

4. Disability of more than 75%

5. Skill development/re-skilling or any other self-development activities

6. Establishment of own venture or any start-ups

Requests for withdrawals from NPS can be initiated by the subscriber by login to his/her Pension Account or by submitting a physical form to the service provider (PoP) directly along with the specified documents.

How will I receive my pension?

Subscriber will receive pension from the Annuity Service Provider (ASP) according to the Annuity Plan chosen and purchased by the subscriber from the ASP (Insurance Company) and the terms and conditions therein.