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Aditya Birla Sun Life Pension Management Ltd.

Aditya Birla Group

Any individual (non Government and non Corporate) who wish to invest to NPS can contribute towards their retirement fund through Retail NPS model. (All Citizen Indian Model). The scheme, which is regulated by the PFRDA (Pension Fund Regulatory And Development Authority) is a voluntary, defined contribution retirement savings scheme that helps individuals earn pension post retirement.

    Who can join Retail NPS?

  • All Indian citizens, including NRIs and OCI

  • Subscribers must be between 18-70 years at the time of registration

  • Must comply with the KYC requirements

  • For detailed eligibility criteria - click here

How does Retail NPS Works

How does Retail NPS Works

How to Enroll for Retail NPS

The online registration process is easy and quick. Once the NPS subscriber submits the registration form and relevant documents, they will be redirected to a payment gateway for completing the payment towards their NPS account.




The subscriber should visit our branch for offline registration. They need to fill in the registration form along with the relevant KYC form and initial contribution. Once the application is processed the CRA (Central Record Keeping Agency) will dispatch PRAN (Permanent Retirement Account Number) and the password.

Retail NPS – Contribution


Click on CONTRIBUTE tab
Enter your details
Verify your PRAN
Make payment.


Deposit cheque, with NCI slip (NPS contribution intruction slip) to POP.

Features and Benefits of Retail NPS

Tax-efficient pension scheme

It is a tax-efficient pension scheme (Tax benefit under Section 80 CCCD(1) and Section 80CCCD(1B) of Income Tax Act 1961)

To know more benefits of retail NPS- Click here .

Frequently Asked Questions

The National Pension System (NPS) is a defined contribution pension. NPS is voluntary for subscription by an individual to make contributions to his/her Individual Pension Account during the working life for creating a pension corpus from which regular income will be generated after retirement / working age. NPS is mandatory for the Central Government recruits w.e.f. 1st Jan 2004 (except armed forces) which replaced the earlier defined benefit pension and has been subsequently adopted by almost all State Governments for their employees.

Any indian citizen(or NRI) Aged between 18 - 70 yrs is eligible to invest in NPS