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aria-label="Co-branded Credit Cards">Co-branded Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/credit-card/rbl-bank-bankbazaar-savemax-credit-card.html" title="RBL SaveMax Credit Card" aria-label="RBL SaveMax Credit Card">RBL SaveMax Credit Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/credit-card/finbooster-yes-bank-bankbazaar-co-branded-credit-card.html " title="Yes Bank FinBooster Credit Card" aria-label="Yes Bank FinBooster Credit Card">Yes Bank FinBooster Credit Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-credit-card.html" title="HDFC Credit Cards" aria-label="HDFC Credit Cards">HDFC Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-credit-card.html" title="SBI Credit Cards" aria-label="SBI Credit Cards">SBI Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/indusind-credit-card.html" title="Indusind Bank Credit cards" aria-label="Indusind Bank Credit cards">Indusind Bank Credit cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/credit-card/top-10-credit-cards-in-india.html" title="Top 10 Credit Cards" aria-label="Top 10 Credit Cards">Top 10 Credit Cards</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-school mr-2 h-full"><path d="M14 22v-4a2 2 0 1 0-4 0v4"></path><path d="m18 10 4 2v8a2 2 0 0 1-2 2H4a2 2 0 0 1-2-2v-8l4-2"></path><path d="M18 5v17"></path><path d="m4 6 8-4 8 4"></path><path d="M6 5v17"></path><circle cx="12" cy="9" r="2"></circle></svg>Home Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan.html" title="Compare Home Loans" aria-label="Compare Home Loans">Compare Home Loans</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/emi-calculator.html" title="Home Loan Calculator" aria-label="Home Loan Calculator">Home Loan Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan-interest-rate.html" title="Home Loan Interest Rates" aria-label="Home Loan Interest Rates">Home Loan Interest Rates</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan-eligibility.html" title="Home Loan Eligibility" aria-label="Home Loan Eligibility">Home Loan Eligibility</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan-balance-transfer.html" title="Home Loan Transfer" aria-label="Home Loan Transfer">Home Loan Transfer</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/pradhan-mantri-awas-yojana.html" title="PMAY" aria-label="PMAY">PMAY</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-home-loan.html" title="SBI Home Loan" aria-label="SBI Home Loan">SBI Home Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-home-loan.html" title="HDFC Home Loan" aria-label="HDFC Home Loan">HDFC Home Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Personal Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan.html" title="Compare Personal Loans" aria-label="Compare Personal Loans">Compare Personal Loans</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan/emi-calculator.html" title="Personal Loan Calculator" aria-label="Personal Loan Calculator">Personal Loan Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan-interest-rate.html" title="Personal Loan Interest Rates" aria-label="Personal Loan Interest Rates">Personal Loan Interest Rates</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan-eligibility.html" title="Personal Loan Eligibility" aria-label="Personal Loan Eligibility">Personal Loan Eligibility</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-personal-loan.html" title="SBI Personal Loan" aria-label="SBI Personal Loan">SBI Personal Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-personal-loan.html" title="HDFC Personal Loan" aria-label="HDFC Personal Loan">HDFC Personal Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Other Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/car-loan.html" title="Car Loan" aria-label="Car Loan">Car Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/two-wheeler-loan.html" title="Two Wheeler Loan" aria-label="Two Wheeler Loan">Two Wheeler Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/education-loan.html" title="Education Loan" aria-label="Education Loan">Education Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gold-loan.html" title="Gold Loan" aria-label="Gold Loan">Gold Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/loan-against-property.html" title="Loan Against Property" aria-label="Loan Against Property">Loan Against Property</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-calculator mr-2 h-full"><rect width="16" height="20" x="4" y="2" rx="2"></rect><line x1="8" x2="16" y1="6" y2="6"></line><line x1="16" x2="16" y1="14" y2="18"></line><path d="M16 10h.01"></path><path d="M12 10h.01"></path><path d="M8 10h.01"></path><path d="M12 14h.01"></path><path d="M8 14h.01"></path><path d="M12 18h.01"></path><path d="M8 18h.01"></path></svg>Calculators <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/finance-tools/emi-calculator.html" title="EMI Calculator" aria-label="EMI Calculator">EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/emi-calculator.html" title="Home Loan EMI Calculator" aria-label="Home Loan EMI Calculator">Home Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan/emi-calculator.html" title="Personal Loan EMI Calculator" aria-label="Personal Loan EMI Calculator">Personal Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/car-loan/emi-calculator.html" title="Car Loan EMI Calculator" aria-label="Car Loan EMI Calculator">Car Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/tax/income-tax-calculator.html" title="Income Tax Calculator" aria-label="Income Tax Calculator">Income Tax Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/fixed-deposit/fd-calculator.html" title="FD Calculator" aria-label="FD Calculator">FD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/recurring-deposit/rd-interest-calculator.html" title="RD Calculator" aria-label="RD Calculator">RD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/calculators.html" title="All Financial Calculators" aria-label="All Financial Calculators">All Financial Calculators</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Investments <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/fixed-deposit-rate.html" title="Fixed Deposit" aria-label="Fixed Deposit">Fixed Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/recurring-deposit-rates.html" title="Recurring Deposit" aria-label="Recurring Deposit">Recurring Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/savings-account.html" title="Savings Account" aria-label="Savings Account">Savings Account</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes.html" title="Saving Schemes" aria-label="Saving Schemes">Saving Schemes</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gold-rate-india.html" title="Gold Rate" aria-label="Gold Rate">Gold Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/silver-rate-india.html" title="Silver Rate" aria-label="Silver Rate">Silver Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/mutual-fund.html" title="Mutual Funds" aria-label="Mutual Funds">Mutual Funds</a></li></ul></div></details></div><span><a href="/credit-score.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 w-full py-4"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-wallet-cards mr-2 h-full"><rect width="18" height="18" x="3" y="3" rx="2"></rect><path d="M3 9a2 2 0 0 1 2-2h14a2 2 0 0 1 2 2"></path><path d="M3 11h3c.8 0 1.6.3 2.1.9l1.1.9c1.6 1.6 4.1 1.6 5.7 0l1.1-.9c.5-.5 1.3-.9 2.1-.9H21"></path></svg><span class="flex-auto "><strong><p class="text-sm ">Credit Score</p></strong></span><img src="https://static.bankbazaar.com/images/common/bbicons-menu-free-badge.webp" alt="FREE" title="FREE" width="40" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-file-text mr-2 h-full"><path d="M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z"></path><path d="M14 2v4a2 2 0 0 0 2 2h4"></path><path d="M10 9H8"></path><path d="M16 13H8"></path><path d="M16 17H8"></path></svg>Govt. Utility Documents <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/pan-card.html" title="Pan Card" aria-label="Pan Card">Pan Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/aadhar-card.html" title="Aadhaar Card" aria-label="Aadhaar Card">Aadhaar Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/voter-id.html" title="Voter ID" aria-label="Voter ID">Voter ID</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/electricity-bill.html" title="Electricity Bill" aria-label="Electricity Bill">Electricity Bill</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/driving-licence.html" title="Driving Licence" aria-label="Driving Licence">Driving Licence</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/passport.html" title="Passport" aria-label="Passport">Passport</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/visa.html" title="Visa" aria-label="Visa">Visa</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gas-connection.html" title="Gas Connection" aria-label="Gas Connection">Gas Connection</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/ration-card.html" title="Ration Card" aria-label="Ration Card">Ration Card</a></li></ul></div></details></div><span><a href="/getapp.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 w-full py-4"><span class="mr-2"><img src="https://static.bankbazaar.com/images/common/bbicons-menu-download-app.webp" alt="Download App" title="Download App" width="25" height="28" style="max-width:100%;display:inline"/></span><span class="flex-auto "><strong><p class="text-sm ">Download Mobile App</p></strong></span><img src="https://static.bankbazaar.com/images/common/bbicons-menu-android-star-badge.webp" alt="Badge" title="Badge" width="12" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-umbrella mr-2 h-full"><path d="M22 12a10.06 10.06 1 0 0-20 0Z"></path><path d="M12 12v8a2 2 0 0 0 4 0"></path><path d="M12 2v1"></path></svg>Insurance <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 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Provident Fund" target="_blank" aria-label="Employee Provident Fund">EPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-check-your-epf-balance-online.html" title="Employee Provident Fund Balance" target="_blank" aria-label="Employee Provident Fund Balance">EPF Balance</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pf-withdrawal-rules.html" title="Provident Fund Withdrawal Rules" target="_blank" aria-label="Provident Fund Withdrawal Rules">PF Withdrawal Rules</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/epf-e-passbook.html" title="Employee Provident Fund Passbook" target="_blank" aria-label="Employee Provident Fund Passbook">EPF Passbook</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-check-pf-status-online.html" title="Provident Fund Status" target="_blank" aria-label="Provident Fund Status">PF Status</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/all-about-epf-claim-status.html" title="PF Claim Status" target="_blank" aria-label="PF Claim Status">EPF Claim Status</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/uan.html" title="Universal Account Number" target="_blank" aria-label="Universal Account Number">UAN</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/know-about-epfo-universal-account-number.html" title="Universal Account Number Registration" target="_blank" aria-label="Universal Account Number Registration">UAN Registration</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-access-uan-account-after-changing-mobile-number.html" title="Universal Account Number Login" target="_blank" aria-label="Universal Account Number Login">UAN Login</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-login-to-epfo-member-portal.html" title="Employee Provident Fund Organization Login" target="_blank" aria-label="Employee Provident Fund Organization Login">EPFO Login</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-check-epf-balance-sms.html" title="PF Balance Number" target="_blank" aria-label="PF Balance Number">PF Balance Number</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/ppf.html" title="Public Provident Fund" target="_blank" aria-label="Public Provident Fund">PPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nps.html" title="National Pension Scheme" target="_blank" aria-label="National Pension Scheme">NPS</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nps-calculator.html" title="National Pension Scheme Calculator" target="_blank" aria-label="National Pension Scheme Calculator">NPS Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/sukanya-samriddhi-yojana-account.html" title="Sukanya Samriddhi Yojana Account" target="_blank" aria-label="Sukanya Samriddhi Yojana Account">Sukanya Samriddhi Yojana Account</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/sukanya-samriddhi-account-calculator.html" title="Sukanya Samriddhi Calculator" target="_blank" aria-label="Sukanya Samriddhi Calculator">Sukanya Samriddhi Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/atal-pension-yojana.html" title="Atal Pension Yojana" target="_blank" aria-label="Atal Pension Yojana">Atal Pension Yojana</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pradhan-mantri-jan-dhan-yojana.html" title="Pradhan Mantri Jan Dhan Yojana" target="_blank" aria-label="Pradhan Mantri Jan Dhan Yojana">PMJDY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/zero-balance-account-through-pm-jan-dhan-yojana.html" title="Zero Balance Account through PM Jan Dhan Yojana" target="_blank" aria-label="Zero Balance Account through PM Jan Dhan Yojana">Zero Balance Account through PMJDY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pradhan-mantri-vaya-vandana-yojana.html" title="Pradhan Mantri Vaya Vandana Yojana" target="_blank" aria-label="Pradhan Mantri Vaya Vandana Yojana">PMVVY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/vpf.html" title="Voluntary Provident Fund" target="_blank" aria-label="Voluntary Provident Fund">VPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/kisan-vikas-patra.html" title="Kisan Vikas Patra" target="_blank" aria-label="Kisan Vikas Patra">Kisan Vikas Patra</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/senior-citizen-saving-scheme.html" title="Senior Citizen Savings Scheme" target="_blank" aria-label="Senior Citizen Savings Scheme">SCSS</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nsc.html" title="National Savings Certificate" target="_blank" aria-label="National Savings Certificate">NSC</a></li></ul></div></div><div data-inline-ad-position="LEFT_NAV"></div></aside></div><div class=" lg:col-span-10 md:col-span-10 col-span-12"><div class="flex flex-col gap-2.5 px-1"><div class="items-center flex gap-2.5"><h1 class="text-xl font-bold ">National Pension System (NPS)</h1></div><div class="rounded-lg border border-slate-200 text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative bg-primary-light"><div class="p-2.5"><div class="pr-md font-large" style="max-height:500px;overflow-y:auto"><h2 class="text-lg font-bold pt-5">What is the National Pension Scheme? </h2><p class="text-base ">The <strong>National Pension Scheme</strong> (NPS) is a voluntary retirement savings plan in India that has been regulated by the Pension Fund Regulatory and Development Authority (PFRDA) since 2013. It collects contributions from individuals, which are managed by professional fund managers and invested in a variety of assets, such as government bonds, corporate debentures, and stocks. By regularly contributing during their working years, subscribers can create a significant retirement fund to use when they retire.</p></div></div></div><div><div class="mb-xl"><span style="background-color:#ffff009c" class="mb-xl"></span></div><div class="flex flex-col gap-1"><p class="text-base ">Individual contributions to NPS accumulate over time, benefiting from market-linked returns until retirement. Subscribers also have options for early exit or superannuation. Upon retirement or exit, a minimum of 40% of the accumulated savings is used to secure a lifetime pension through an annuity purchase, while the remaining balance is paid as a lump sum to the subscriber. </p><div class="mb-2.5"><img src="https://static.bankbazaar.com/images/india/infographic/nps-national-pension-scheme.webp" alt="NPS" title="National pension Scheme" width="400" height="250" loading="lazy" style="max-width:100%;display:block;float:left;margin:0 auto"/></div><p class="text-base ">Read on to learn how NPS operates, its features, benefits, and who should invest. You’ll also find easy-to-follow instructions for opening an account, checking your balance, and understanding how to take money out when you need it.</p><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h2 class="text-lg font-bold pt-5">Objectives of the National Pension System </h2></div><div><div class="flex flex-col gap-1"><p class="text-base ">Now that we've explored what the NPS scheme is, let's look at its objectives: </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Building a substantial retirement corpus is a critical part of financial planning, helping individuals meet expenses and navigate post-retirement life with ease. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">To support the increasing senior population in India, the government introduced the National Pension System (NPS) to encourage structured savings during working years, fostering financial discipline for a secure future. </li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h2 class="text-lg font-bold pt-5">Features of the NPS Scheme</h2><p class="text-base ">Subscribers have two options for investing funds: </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Auto Choice:</strong> Investments are managed by a fund manager based on the subscriber's age profile. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Active Choice:</strong> Subscribers can choose their asset classes, with a maximum of 50% in equities (Asset Class E), and allocate the remaining funds in Corporate Debt (Class C) or Government Securities (Class G). </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Subscribers can also change their fund manager or switch between options, subject to specific guidelines. </li></ol><p class="text-base ">Option for Partial Withdrawals </p><p class="text-base ">NPS allows partial withdrawals from Tier I contributions for financial needs before retirement. Subscribers can withdraw up to 25% of their contributions, subject to: </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">A minimum of 10 years of contributions </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">A five-year interval between consecutive withdrawals. </li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">Benefits of the NPS Scheme</h2><p class="text-base "><strong>The following are some of the significant benefits of NPS scheme: </strong></p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Offers higher returns than traditional tax-saving investments, such as <a href="/saving-schemes/ppf.html" target="_blank">PPF</a> and has delivered 9.00% to 12% returns so far </li><li class="pt-1 pb-1">The equity exposure is 75% to 50% and 50% for government employees, while it reduces by 2.50% every year when the investor turns 50 years of age </li><li class="pt-1 pb-1">The regular performance of the NPS is monitored, reviewed, and monitoring by the NPS trust as it is regulated by <a href="/saving-schemes/pension-fund-regulatory-and-development-authority.html" target="_blank">PFRDA </a></li><li class="pt-1 pb-1">The fund offers flexibility to choose investment amount any time in a financial year <br/></li></ol><h2 class="text-lg font-bold pt-5">Tax Benefits on National Pension Scheme (NPS) </h2><p class="text-base ">NPS investments qualify for tax benefits under the following sections of the Income Tax Act, 1961: </p><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><thead class="[&_tr]:border-b font-bold"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Section</strong> </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Tax Benefit</strong> </p></td></tr></thead><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Section 80CCD (1) </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Subscriber’s contributions to Tier I are tax-deductible within the overall limit of Rs. 1.5 lakh under Section 80C. </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Section 80CCD (1B) </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">An additional deduction of up to Rs. 50,000 is available for Tier I contributions, beyond the Section 80CCD (1) limit. </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Section 80CCD (2) </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Employer contributions to Tier I are deductible up to 14% for central government employees and up to 10% for other employees, in addition to Section 80C deductions. </p></td></tr></tbody></table></div><p class="text-base "><strong>Additional Tax Benefits for Tier I Investments in NPS</strong> </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Up to 25% of Tier I contributions withdrawn by the subscriber are tax-exempt. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Annuity purchases made from the NPS corpus are tax-exempt; however, annuity income is taxable in the years it is received. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Up to 40% of the corpus can be withdrawn tax-free after age 60. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">For instance, if a corpus of Rs. 20 lakh is built, Rs. 8 lakh (40%) may be withdrawn tax-free. The remaining 60% used to purchase an annuity will be exempt from tax, though the annuity income will be taxable in the future. </li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h2 class="text-lg font-bold pt-5">Who Should Invest in the NPS?</h2><div class="mb-2.5"><img src="https://static.bankbazaar.com/images/india/infographic/nps.webp" alt="National Pension Scheme" title="National Pension Scheme" width="350" height="250" loading="lazy" style="max-width:100%;display:block;float:left;margin:0 auto"/></div><p class="text-base ">NPS is a low-risk investment tool that comes with three models and here is the list of entities that can invest in NPS: </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Government model:</strong> All the Central (except armed forces) and State Government employees (except West Bengal). The monthly contribution rate for state and central government employees are 10% and 14%, respectively. </li><li class="pt-1 pb-1"><strong>Corporate model: </strong>As per the employment conditions, companies can adopt NPS at applicable contribution rates for their employees. </li><li class="pt-1 pb-1"><strong>All Citizens model: </strong>All Indian citizens between age group of 18 years to 65 years can join NPS voluntarily. </li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">Eligibility Criteria for NPS</h2><p class="text-base ">Eligibility for the NPS varies by the model, as detailed below: </p><p class="text-base "><strong>Government Sector NPS Model </strong></p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">This model is available for central and state government employees, excluding armed forces personnel. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Government employees contribute 10% of their salary to the NPS, matched by an equal contribution from the state government (14% for central government employees). </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The NPS has been adopted by all states in India except West Bengal. </li></ol><p class="text-base "><strong>Corporate NPS Model </strong></p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Under this model, employees of registered corporate entities can access NPS benefits if enrolled by their employer. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Eligibility requires Indian citizenship, age between 18 and 60, and meeting KYC requirements. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Applicable corporate entities include: </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Companies registered under the Companies Act </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Co-operatives and societies registered under Co-operative Acts </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Central or Public Sector Enterprises </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Proprietorships, partnership firms, and LLPs </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Organisations incorporated under state or central government orders </li></ol><p class="text-base "><strong>All Citizens Model of NPS</strong> </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Open to any Indian citizen aged 18–60 who meets KYC requirements. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Applicants may enrol voluntarily through any PoP service provider by completing the Subscriber Registration Form and providing the required documents. </li></ol><h2 class="text-lg font-bold pt-5">Documents Required for Withdrawal of NPS Amount</h2><p class="text-base ">Given below is the list of documents that must be submitted in order to withdraw the amount from NPS:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Withdrawal form</li><li class="pt-1 pb-1">Original <a href="/saving-schemes/how-to-apply-for-pran-card-online.html" target="_blank">PRAN card</a></li><li class="pt-1 pb-1">Proof of identity that has been attested must be submitted</li><li class="pt-1 pb-1">A cancelled cheque must be submitted</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h2 class="text-lg font-bold pt-5">NPS Information:</h2><p class="text-base ">Types of NPS Accounts </p><p class="text-base ">The NPS offers two main account types: Tier I and Tier II. Tier I serves as the default account, while Tier II is an optional account with added flexibility. Below are the features of each account type: <br/></p><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><thead class="[&_tr]:border-b font-bold"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Particulars</strong> </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>NPS Tier – I Account</strong> </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>NPS Tier – II Account</strong> </p></td></tr></thead><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Status </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Default </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Voluntary </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Withdrawal </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Not Permitted </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Permitted </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Tax Exemption </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Up to Rs. 2 lakh p.a. </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Up to Rs. 1.5 lakh for government employees; none for others </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Minimum Contribution </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Rs. 500 or Rs. 1,000 p.a. </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Rs. 250 </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Maximum Contribution </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">No limit </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">No limit </p></td></tr></tbody></table></div><p class="text-base ">Returns of National Pension Scheme: The NPS returns are based on the performance of its underlying assets, making the final returns at retirement variable. As a market-linked product, the NPS allows investment across various asset classes, including equities, government debt, corporate debt, and alternative assets. Once the asset allocation and fund manager are selected, contributions are invested accordingly in schemes that cover these asset classes. <strong><br/>For more information, Check out related articles:</strong> <a href="https://www.bankbazaar.com/saving-schemes/how-to-open-nps-account.html" target="_blank">NPS Account</a> , <a href="https://www.bankbazaar.com/saving-schemes/nps-calculator.html" target="_blank">NPS Calculator</a>, <a href="https://www.bankbazaar.com/saving-schemes/new-pension-scheme-interest-rate.html" target="_blank">NPS Interest Rate</a> & <a href="https://www.bankbazaar.com/saving-schemes/national-pension-scheme-withdrawal-rules.html" target="_blank">NPS withdrawal Rules</a></p><div class="text-center px-2.5 py-1"><iframe data-testid="video-test-id" loading="lazy" class="lazy-loaded" style="max-width:100%" src="https://www.youtube.com/embed/HAJuEAiXlQU" width="720" height="405" frameBorder="0" allowFullScreen=""></iframe></div><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">Procedure to Open an NPS Account</h2><p class="text-base ">Individuals can <a href="https://www.bankbazaar.com/saving-schemes/how-to-open-nps-account.html" target="_blank">open an NPS account</a> both online and offline. Given below is the procedure to open an NPS account both online and offline:</p><h3 class="text-md font-bold pt-5">Online procedure:</h3><p class="text-base ">You will be required to follow the steps mentioned below to open an NPS account online.</p><p class="text-base "><strong>Step 1: </strong>Visit the eNPS website (<a href="https://enps.nsdl.com/eNPS/NationalPensionSystem.html" target="_blank" rel="nofollow">https://enps.nsdl.com/eNPS/NationalPensionSystem.html</a>) to register online.</p><p class="text-base "><strong>Step 2: </strong>Click on ‘<strong>National Pension System</strong>’ and click on ‘<strong>Registration</strong>’.</p><p class="text-base "><strong>Step 3: </strong>Your mobile number, <a href="/aadhar-card.html" target="_blank">Aadhaar number</a>, and Permanent Account Number (<a href="/pan-card.html" target="_blank">PAN</a>) must be linked with the NPS account.</p><p class="text-base "><strong>Step 4:</strong> Validate the registration using the OTP which will be sent to your registered mobile number.</p><p class="text-base "><strong>Step 5: </strong>On completion of the registration process, you will receive a Permanent Retirement Account Number or PRAN. The PRAN can be used in the future to log in to your profile. </p><h3 class="text-md font-bold pt-5">Offline procedure:</h3><p class="text-base ">You will be required to follow the steps mentioned below to open an NPS account offline.</p><p class="text-base "><strong>Step 1: </strong>Visit the nearest Point of Presence (PoP) centre, a bank, or a post office to open an NPS account.</p><p class="text-base "><strong>Step 2:</strong> You must submit your Know Your Customer (KYC) documents and a duly filled up and signed application form.</p><p class="text-base "><strong>Step 3: </strong>The PoP centre will send you a PRAN once you have made your first investment.</p><p class="text-base "><strong>Step 4: </strong>The PRAN along with a password will be present in the welcome kit. The PRAN and password will be required to operate your account.</p><p class="text-base "><strong>Step 5:</strong> You will also be required to pay a one-time registration fee of Rs.125.</p><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h2 class="text-lg font-bold pt-5">How to Login to Your NPS Account for the First Time?</h2><p class="text-base ">The following are the steps to login to your NPS account for the first time: </p><p class="text-base "><strong>Step 1: </strong>Click on the link <a href="https://enps.nsdl.com/eNPS/NationalPensionSystem.html" target="_blank" rel="nofollow">https://enps.nsdl.com/eNPS/NationalPensionSystem.html</a>.</p><p class="text-base "><strong>Step 2: </strong>Under ‘<strong>Additional Services</strong>’, click on ‘<strong>Login with PRAN/IPIN</strong>’.</p><p class="text-base "><strong>Step 3: </strong>Enter your used Id and password, followed by entering the captcha.</p><p class="text-base "><strong>Step 4:</strong> Click on ‘<strong>Submit</strong>’.</p><p class="text-base "><strong>Step 5: </strong>In case you have forgotten the password, then under ‘<strong>Additional Services</strong>’, click on ‘<strong>Click Here</strong>’.</p><p class="text-base "><strong>Step 6: </strong>A new page will open. Select either ‘<strong>Nodal Office</strong>’ or ‘<strong>via OTP</strong>’.</p><p class="text-base "><strong>Step 7: </strong>If you choose OTP then you will have to enter the One-Time Password (OTP) you will receive on either your mobile number or Email ID along with your PRAN, and date of birth.</p><p class="text-base "><strong>Step 8: </strong>Enter the password you want to use and confirm it in the next step. Enter the captcha and click on ‘<strong>Submit</strong>’.</p><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163309&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON 163309" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><h2 class="text-lg font-bold pt-5">How to Check Your NPS Balance Online?</h2><p class="text-base ">Follow these steps to check your NPS balance online:</p><p class="text-base "><strong>Step 1: </strong>Click on the link https://enps.nsdl.com/eNPS/NationalPensionSystem.html.</p><p class="text-base "><strong>Step 2: </strong>Log into your account by entering your PRAN.</p><p class="text-base "><strong>Step 3: </strong>Click on ‘<strong>Transaction Statement</strong>’.</p><p class="text-base "><strong>Step 4: </strong>The ‘<strong>Holding Statement</strong>' and ‘<strong>Transaction Statement</strong>’ can be downloaded from the dropdown menu.</p><h2 class="text-lg font-bold pt-5">NPS Withdrawal Rules </h2><p class="text-base "><strong>Here is the list of NPS withdrawal rules: </strong></p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Withdrawal after Retirement (60 years): </li></ol><p class="text-base "><strong>The following are the details regarding withdrawal after retirement: </strong></p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">After retirement, subscriber can withdrawal 60% of the corpus as lump sum and invest 40% in equity </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The total accrued pension can be withdrawal in case the total amount is less than or equal to Rs.5 lakh </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The total withdrawal is tax free, and subscriber need to invest it in annuity incase the pension amount is less than or equal to Rs.5 lakh Annuity is taxable as per the <a href="https://www.bankbazaar.com/tax/income-tax-act.html" target="_blank">Income Tax</a> bracket, while the withdrawals are tax free </li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163309&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON 163309" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><h2 class="text-lg font-bold pt-5">New Rules for NPS Withdrawals </h2><p class="text-base ">The Pension Fund Regulatory and Development Authority (PFRDA) has recently introduced new provisions for pension withdrawals within the National Pension System (NPS), set to be effective from 1 February 2024. The key changes outlined in a master circular issued on 12 January 2024, shed light on the clauses surrounding partial withdrawals. </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Withdrawal Limits: </strong>Under the updated rules, NPS subscribers are now constrained, with a maximum withdrawal limit set at 25% of their personal pension account contributions, excluding the employer's contribution. This limitation aims to ensure a balanced approach to fund utilization. </li><li class="pt-1 pb-1"><strong>Frequency of Partial Withdrawals: </strong>Subscribers are granted the flexibility to make partial withdrawals up to three times during their subscription period. However, specific conditions must be met to qualify for these withdrawals, emphasizing the long-term commitment of subscribers to the NPS scheme. </li><li class="pt-1 pb-1"><strong>Eligibility Criteria for Partial Withdrawals:</strong> To qualify for a partial withdrawal, subscribers must have been part of the NPS scheme for a minimum of three years. This criterion ensures that withdrawals are made by committed and long-standing participants, promoting the system's stability. </li><li class="pt-1 pb-1"><strong>Purposes of Partial Withdrawals: </strong>Partial withdrawals are permitted for various purposes, including education expenses for children, marriage, house construction, and medical emergencies. The diversification of eligible reasons reflects the PFRDA's acknowledgement of the multifaceted financial needs of subscribers. </li></ol><h2 class="text-lg font-bold pt-5">Early Withdrawal or Exit Rules </h2><p class="text-base ">The following are the details on Early withdrawal or exit rules: </p><h3 class="text-md font-bold pt-5">Superannuation: </h3><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">On attaining 60 years of age, 40% of the corpus can be utilised in purchasing annuity </li><li class="pt-1 pb-1">Remaining fund can withdrawan as lump sum </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">If the accrued pension corpus is less than or equivalent to Rs.5 lakh, then the subscriber can opt for lump sum withdrawal of 100%</li></ol><h3 class="text-md font-bold pt-5"> Premature exit: </h3><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Before reaching 60 years of age, 80% of the corpus must be used to purchase an Annuity </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The subscriber can opt for 100% lumpsum withdrawal, if the total corpus is less than or equal to Rs.2.5 lakh </li></ol><h3 class="text-md font-bold pt-5">Demise of the subscriber: </h3><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The entire accrued pension corpus will be paid to the legal heir of the nominee of the subscriber in case of demise of the subscriber. </li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163309&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON 163309" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><h2 class="text-lg font-bold pt-5">Equity Allocation Rules </h2><p class="text-base "><strong>The following are the details regarding equity allocation rules: </strong></p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Scheme E of the NPS invests in equity where 50% of the investment can be allocated </li><li class="pt-1 pb-1">Auto choice and active choice are the two options to invest in </li><li class="pt-1 pb-1">The risk profile of your investment is determined by Auto choice as per the age of the beneficiary </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Splitting your investment and deciding on your scheme is allowed by Active Choice. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>The scheme or Fund Manager change option:</strong> If you are not satisfied with the scheme or fund manager's performance, you can switch to another scheme or fund manager for both tier I and tier II accounts. </li></ol><h2 class="text-lg font-bold pt-5">NPS Withdrawal Process</h2><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Exit rule and early withdrawal under NPS:</strong> It is vital that subscribers make investments towards the scheme until they reach 60 years of age as NPS is a pension scheme. However, under certain circumstances, subscribers can withdraw up to 25% of the invested amount if they have invested towards the account for 3 years. Given below are the different cases under which early withdrawal is allowed:<ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">In case the children of the subscriber are getting married</li><li class="pt-1 pb-1">For higher studies</li><li class="pt-1 pb-1">For buying or building a house</li><li class="pt-1 pb-1">In case of medical treatment of the subscriber or his/her family members</li></ol></li></ol><p class="text-base "><a href="https://www.bankbazaar.com/saving-schemes/national-pension-scheme-withdrawal-rules.html" target="_blank">NPS Withdrawal</a> is possible for a maximum of 3 times under the scheme and there must be a minimum gap of at least 5 years between withdrawals. The early withdrawal process is applicable only to Tier-I account. Under Tier-II accounts, the entire investment can be withdrawn.</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Withdrawal after attaining the age of 60:</strong> The entire investment made towards the scheme cannot be withdrawn once the subscriber reaches the age of 60 years old. It is mandatory that subscribers retain at least 40% of the investment in order to receive a pension. The pension is given to subscribers from an insurance firm that is registered under the PFRDA. The remaining 60% can be withdrawn and no tax needs to be paid on it.</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h2 class="text-lg font-bold pt-5">Types of NPS Accounts</h2><p class="text-base ">Tier-I and Tier-II are the two types of NPS accounts. While the <a href="https://www.bankbazaar.com/saving-schemes/all-about-tier-1-national-pension-scheme-account.html" target="_blank">Tier-I </a>is a mandatory account, the Tier-II is a voluntary account. The differences between the two accounts are mentioned in the table below:</p><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><thead class="[&_tr]:border-b font-bold"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Category</strong></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Tier-I account</strong></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Tier-II account</strong></p></td></tr></thead><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Maximum contribution</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">No limit to the amount of contribution</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">No limit to the amount of contribution that is made towards the account</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Minimum contribution</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Rs.500 or Rs.1,000 in a year must be made towards the account</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Rs.250 must be made towards the account</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Tax deductions</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Subscribers are eligible for a tax deduction of up to Rs.2 lakh.</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Government employees can enjoy a tax deduction of up to Rs.1.5 lakh. Other Subscribers are not eligible for tax deductions under the account.</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Withdrawals that are allowed</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Subscribers cannot withdraw the investments made towards the account until they retire.</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Subscribers will be able to withdraw the contributions made towards the account.</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Status</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">It is a mandatory account for subscribers who register for an NPS account.</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Subscribers can open the account on a voluntary basis.</p></td></tr></tbody></table></div><p class="text-base ">The NPS account is mandatory for all Central Government employees. They will have to contribute 10% of their basic salary towards NPS. The NPS scheme is voluntary for all other Indian citizens.</p><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163309&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON 163309" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><h2 class="text-lg font-bold pt-5">Differences Between NPS and Other Tax Saving Schemes</h2><p class="text-base ">Some of the other schemes that provide <a href="https://www.bankbazaar.com/saving-schemes/things-you-need-to-know-about-nps-tax-benefits.html" target="_blank">NPS tax benefits</a> under Section 80C of the Income Tax Act are <a href="https://www.bankbazaar.com/fixed-deposit/tax-saver-fd-interest-rates-comparison.html" target="_blank">Tax-saving Fixed Deposits</a> (FD), Public Provident Fund (<a href="https://www.bankbazaar.com/saving-schemes/ppf.html" target="_blank">PPF</a>), and Equity Linked Savings Scheme (ELSS). Given below is the table where the difference between NPS and the schemes mentioned above are compared:</p><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><thead class="[&_tr]:border-b font-bold"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Type of scheme</strong></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Rate of interest (p.a.)</strong></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Fixed period of investment</strong></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Risks of the scheme</strong></p></td></tr></thead><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>NPS</strong></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">The expected rate of interest is between 9% to 12%</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Investment towards the scheme is till retirement</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">The returns on investments are market-related.</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>FD</strong></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">The rate of interest is guaranteed and is from 7% to 9%.</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">5 years</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">The scheme is risk-free.</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>PPF</strong></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">The rate of interest is guaranteed and is 8.1%.</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">15 years</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">It is a risk-free scheme.</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>ELSS</strong></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">The expected rate of interest is from 12% to 15%.</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">3 years</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">The returns depend on the market.</p></td></tr></tbody></table></div><p class="text-base ">Even though the returns that are generated from the scheme may be higher than PPF and FD, however, there are no tax benefits on maturity. Individuals who withdraw 60% of the total investments that have been made towards the account should know that 20% of that amount is taxable. However, the taxable amount may vary.</p><h2 class="text-lg font-bold pt-5">NPS Rules of Allocation</h2><p class="text-base ">Investments are made in various schemes by the NPS. Investment is made towards equity under Scheme E of the NPS. Subscribers can contribute up to 50% of their total investments towards equities. Active choice and auto choice are the two different options of investments that are available.</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Active choice:</strong> Under active choice, the scheme and the type of split can be decided by the subscriber.</li><li class="pt-1 pb-1"><strong>Auto choice:</strong> Under auto choice, depending on the subscriber’s age, the option decides the risks of the investment. Therefore, less risky and more stable investments are chosen if the subscriber is older.</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163309&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON 163309" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><h2 class="text-lg font-bold pt-5">How to Initiate Partial Withdrawals from NPS</h2><p class="text-base ">You can initiate partial withdrawals from NPS by following the instructions given below: </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Step 1: </strong>Ensure that you meet the eligibility criteria for making a partial withdrawal, including being a member of the NPS for at least three years. </li><li class="pt-1 pb-1"><strong>Step 2: </strong>Draft a self-declaration stating the purpose for the withdrawal. Clearly articulate the reason, whether it's for education expenses, marriage, house construction, medical emergencies, or other eligible purposes. </li><li class="pt-1 pb-1"><strong>Step 3: </strong>Contact the Government Nodal Office or Point of Presence. Reach out to your respective government nodal office or point of presence. These are the authorized entities through which withdrawal requests are processed. </li><li class="pt-1 pb-1"><strong> Step 4:</strong> Collect the necessary withdrawal form from the government nodal office or point of presence. This form typically includes fields for personal details, NPS account information, and the purpose of withdrawal. </li><li class="pt-1 pb-1"><strong>Step 5: </strong>Fill out the withdrawal form accurately and provide all required information. Ensure that your self-declaration is attached to the form, clearly specifying the purpose of the withdrawal. </li><li class="pt-1 pb-1"><strong>Step 6: </strong>Submit the completed withdrawal form along with the self-declaration to the Central Recordkeeping Agency (CRA). The CRA serves as the central processing entity for NPS withdrawals. </li><li class="pt-1 pb-1"><strong>Step 7: </strong>Wait for the withdrawal request to be processed. The processing time may vary, so it's advisable to check with the relevant authorities for an estimated timeline. </li></ol><h2 class="text-lg font-bold pt-5">KYC Documents Required to Enroll in the NPS</h2><p class="text-base "><strong>The following documents are required to be submitted at the time of making the application:</strong></p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Subscriber registration form</li><li class="pt-1 pb-1">Photo ID proof</li><li class="pt-1 pb-1">Proof for Date of Birth</li><li class="pt-1 pb-1">Proof of residence</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h2 class="text-lg font-bold pt-5">Different Modes of Payment</h2><p class="text-base ">The following modes are accepted by SBI for NPS premium payments:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Direct payment at an SBI Life branch</li><li class="pt-1 pb-1">Through standing order on <a href="https://www.bankbazaar.com/credit-card.html" target="_blank">credit card</a></li><li class="pt-1 pb-1">Online payments</li><li class="pt-1 pb-1"><a href="https://www.bankbazaar.com/ifsc/electronic-clearing-service.html" target="_blank">Electronic Clearing Service</a></li><li class="pt-1 pb-1">Payments through SBI Life’s mobile app</li><li class="pt-1 pb-1">Through National Automated Clearing House (<a href="/ifsc/nach.html" target="_blank">NACH</a>)</li><li class="pt-1 pb-1">Through POS terminals at authorized SBI Life branches</li></ol><h2 class="text-lg font-bold pt-5">Pension Funds Listed under NPS</h2><p class="text-base ">The following pension funds have been registered under NPS:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">SBI Pension Funds Pvt. Ltd.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">UTI Retirement Solutions Ltd.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">LIC Pension Fund Ltd.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">HDFC Pension Management Co. Ltd.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Kotak Mahindra Pension Fund Ltd.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Aditya Birla Sunlife Pension Management Ltd</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">ICICI Prudential Pension Fund Management Co. Ltd.</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score Now">Check Your Credit Score Now</a></div><h2 class="text-lg font-bold pt-5">NPS Customer Care Number</h2><p class="text-base ">Here are the following details regarding NPS Customer Care Number: </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>NPS SMS Number: </strong>SMS ‘<strong>NPS</strong>’ to 56677</li><li class="pt-1 pb-1"><strong>NPS Toll-Free Number for Registered Subscriber (with PRAN):</strong> <a href="tel:1800-222-080" target="_blank">1800 222 080</a></li><li class="pt-1 pb-1"><strong>NPS Call Centre Number: </strong><a href="tel:1800-110-708" target="_blank">1800 110 708</a></li></ol><p class="text-base "><strong>Details of the ombudsman are as under:</strong></p><p class="text-base ">Shri Narender Kumar Bhola<br/>Pension Fund Regulatory and Development Authority <br/>B-14/A, Chatrapati Shivaji Bhawan, <br/>Qutab Institutional Area, Katwaria Sarai, New Delhi- 110016 <br/>Chhatrapati Shivaji Bhawan,</p><p class="text-base "><strong>Email Id: </strong> ombudsman@pfrda.org.in <br/><strong>Landline No.:</strong> <a href="tel:011- 2651-7507" target="_blank">011 - 26517507</a> Ext : 188</p><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SSFAQ_BUTTON 163309&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SSFAQ_BUTTON 163309" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Know Your Credit Score for FREE">Know Your Credit Score for FREE</a></div></div><h2 class="text-lg font-bold pt-4">FAQs on the National Pension Scheme</h2><ul class="list-decimal list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>What are the features of NPS app?</strong><p class="text-base ">Using the NPS app, you can raise a request for transaction statement for the particular fiscal year. You can also view the details of scheme wise units and update your contact information.</p></li><li class="pt-1 pb-1"><strong>What happens if the subscriber retires early?</strong><p class="text-base ">If the subscriber retires early then they must utilize 80% of their total pension amount accumulated to purchase annuity and withdraw the remaining 20% as a lump-sum amount.</p></li><li class="pt-1 pb-1"><strong>What are the minimum contribution amounts for Tier I and Tier II accounts?</strong><p class="text-base ">The minimum contribution amount for Tier I accounts is Rs.500 per month and that for Tier II accounts is Rs.250 per month. Subscribers should also maintain a minimum balance of Rs.6000 for Tier I and Rs.2000 for Tier II at the end of the year. </p></li><li class="pt-1 pb-1"><strong>Who provides annuity on withdrawal or maturity under NPS?</strong><p class="text-base ">The insurance companies licensed by the IRDA and authorized by the PFRDA act as the annuity service providers to NPS subscribers.</p></li><li class="pt-1 pb-1"><strong>How to check the status of your NPS account in SBI?</strong><p class="text-base ">Simply login to the SBI Life customer portal and fill in details such as Customer ID and NPS policy number to view your current status.</p></li><li class="pt-1 pb-1"><strong>How many subscribers does NPS have?</strong><p class="text-base ">The total number of NPS subscribers as on 30 April 2022 is 1,58,49,434.</p></li><li class="pt-1 pb-1"><strong>Is NPS an easily accessible system of long-term investments?</strong><p class="text-base ">NPS is a cost-effective, flexible and portable retirement savings scheme in which the wealth accumulated depends on the contributions made by the individual.</p></li><li class="pt-1 pb-1"><strong>Can an NRI open an NPS account?</strong><p class="text-base ">Yes. NRIs aged between 18 years and 60 years on the date of application and who comply with the current KYC standards can join NPS.</p></li><li class="pt-1 pb-1"><strong>Can I make partial withdrawals NPS?</strong><p class="text-base ">Yes. You will have access to a partial withdrawal option, which will allow you to withdraw a portion of your contributions subject to certain conditions.</p></li><li class="pt-1 pb-1"><strong>Can I contribute to my NPS account before receiving the PRAN card?</strong><p class="text-base ">Yes. Only a Permanent Retirement Account Number is necessary to contribute to the NPS. Once you are assigned a PRAN, you can make contributions even if the PRAN card has not been provided.</p></li><li class="pt-1 pb-1"><strong>Can I open more than one NPS account?</strong><p class="text-base ">No. You can’t open multiple NPS accounts. However, you can join NPS as well as have an account in the Atal Pension Yojna.</p></li><li class="pt-1 pb-1"><strong>Which body is responsible for the calculation of interest with regards to the NPS?</strong><p class="text-base ">The interest is calculated by the Pension Accounting Office, who is the official body appointed for this particular task.</p></li><li class="pt-1 pb-1"><strong>Following retirement, are employees engaged in government service eligible for leave encashment as per the guidelines of the NPS?</strong><p class="text-base ">No. Leave encashment is not allowed as per the guidelines of NPS laid down by the CCS and does not count as a component of the benefits available to the employee after retirement.</p></li><li class="pt-1 pb-1"><strong>What is the reason behind the compulsory utilization of a minimum of 40% of the accumulated pension funds to buy annuities after retirement?</strong><p class="text-base ">The main reason behind this move is to ensure employees in government service will still obtain a regular and stable income every month following their retirement.</p></li><li class="pt-1 pb-1"><strong>Which agency or office will be responsible for contribution deductions In the event of the transfer of an employee during the course of the month?</strong><p class="text-base ">The office that draws the salary of the subscriber for the maximum amount of time during the month will be responsible for the deduction of contribution towards the NPS.</p></li><li class="pt-1 pb-1"><strong>What are the KYC documents required to enroll for NPS through SBI?</strong><p class="text-base ">The KYC documents required to enroll for NPS through SBI are photo ID proof, date of birth proof, residential proof, and subscriber registration form. </p></li><li class="pt-1 pb-1"><strong>How does SBI settle the NPS claims?</strong><p class="text-base ">You need to submit the settlement form along with the essential documents for claim settlement at the branch where you maintain your NPS account. For details on claim settlements you can send an email to claims@sbilife.co.in. The final decision on claims will be based on the disclosures made in the proposal form by the subscriber.</p></li><li class="pt-1 pb-1"><strong>Will I be allowed to switch from active choice to auto choice or vice-versa?</strong><p class="text-base ">Yes, you can change your asset allocations twice during a financial year, and your fund manager once. </p></li><li class="pt-1 pb-1"><strong>How is the withdrawal fund distributed to the nominee/claimant?</strong><p class="text-base ">The withdrawal funds are credited to the bank account of the nominee/claimant (as specified in the bank information submitted when starting the online withdrawal request) via electronic mode.</p></li><li class="pt-1 pb-1"><strong>What is the user ID for NPS login? </strong><p class="text-base ">The user ID for NPS account to log in to the eNPS-NSDL website will be your Permanent Retirement Account Number (PRAN) provided to you on registering for NPS account. </p></li><li class="pt-1 pb-1"><strong>What are the intermediaries involved in administering the NPS? </strong><p class="text-base ">Intermediaries appointed by the PFRDA, such as Central Recordkeeping Agency (CRA), Pension Funds, Custodian, Trustee Bank, Points of Presence (PoP), Annuity Service Providers (ASPs), and National Pension System Trust. </p></li></ul><script type="application/ld+json" data-testid="faq-json-ld">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What are the features of NPS app?","acceptedAnswer":{"@type":"Answer","text":"Using the NPS app, you can raise a request for transaction statement for the particular fiscal year. You can also view the details of scheme wise units and update your contact information."}},{"@type":"Question","name":"What happens if the subscriber retires early?","acceptedAnswer":{"@type":"Answer","text":"If the subscriber retires early then they must utilize 80% of their total pension amount accumulated to purchase annuity and withdraw the remaining 20% as a lump-sum amount."}},{"@type":"Question","name":"What are the minimum contribution amounts for Tier I and Tier II accounts?","acceptedAnswer":{"@type":"Answer","text":"The minimum contribution amount for Tier I accounts is Rs.500 per month and that for Tier II accounts is Rs.250 per month. Subscribers should also maintain a minimum balance of Rs.6000 for Tier I and Rs.2000 for Tier II at the end of the year.  ."}},{"@type":"Question","name":"Who provides annuity on withdrawal or maturity under NPS?","acceptedAnswer":{"@type":"Answer","text":"The insurance companies licensed by the IRDA and authorized by the PFRDA act as the annuity service providers to NPS subscribers."}},{"@type":"Question","name":"How to check the status of your NPS account in SBI?","acceptedAnswer":{"@type":"Answer","text":"Simply login to the SBI Life customer portal and fill in details such as Customer ID and NPS policy number to view your current status."}},{"@type":"Question","name":"How many subscribers does NPS have?","acceptedAnswer":{"@type":"Answer","text":"The total number of NPS subscribers as on 30 April 2022 is 1,58,49,434."}},{"@type":"Question","name":"Is NPS an easily accessible system of long-term investments?","acceptedAnswer":{"@type":"Answer","text":"NPS is a cost-effective, flexible and portable retirement savings scheme in which the wealth accumulated depends on the contributions made by the individual."}},{"@type":"Question","name":"Can an NRI open an NPS account?","acceptedAnswer":{"@type":"Answer","text":"Yes. NRIs aged between 18 years and 60 years on the date of application and who comply with the current KYC standards can join NPS."}},{"@type":"Question","name":"Can I make partial withdrawals NPS?","acceptedAnswer":{"@type":"Answer","text":"Yes. You will have access to a partial withdrawal option, which will allow you to withdraw a portion of your contributions subject to certain conditions."}},{"@type":"Question","name":"Can I contribute to my NPS account before receiving the PRAN card?","acceptedAnswer":{"@type":"Answer","text":"Yes. Only a Permanent Retirement Account Number is necessary to contribute to the NPS. Once you are assigned a PRAN, you can make contributions even if the PRAN card has not been provided."}},{"@type":"Question","name":"Can I open more than one NPS account?","acceptedAnswer":{"@type":"Answer","text":"No. You can’t open multiple NPS accounts. However, you can join NPS as well as have an account in the Atal Pension Yojna."}},{"@type":"Question","name":"Which body is responsible for the calculation of interest with regards to the NPS?","acceptedAnswer":{"@type":"Answer","text":"The interest is calculated by the Pension Accounting Office, who is the official body appointed for this particular task."}},{"@type":"Question","name":"Following retirement, are employees engaged in government service eligible for leave encashment as per the guidelines of the NPS?","acceptedAnswer":{"@type":"Answer","text":"No. Leave encashment is not allowed as per the guidelines of NPS laid down by the CCS and does not count as a component of the benefits available to the employee after retirement."}},{"@type":"Question","name":"What is the reason behind the compulsory utilization of a minimum of 40% of the accumulated pension funds to buy annuities after retirement?","acceptedAnswer":{"@type":"Answer","text":"The main reason behind this move is to ensure employees in government service will still obtain a regular and stable income every month following their retirement."}},{"@type":"Question","name":"Which agency or office will be responsible for contribution deductions In the event of the transfer of an employee during the course of the month?","acceptedAnswer":{"@type":"Answer","text":"The office that draws the salary of the subscriber for the maximum amount of time during the month will be responsible for the deduction of contribution towards the NPS."}},{"@type":"Question","name":"What are the KYC documents required to enroll for NPS through SBI?","acceptedAnswer":{"@type":"Answer","text":"The KYC documents required to enroll for NPS through SBI are photo ID proof, date of birth proof, residential proof, and subscriber registration form. ."}},{"@type":"Question","name":"How does SBI settle the NPS claims?","acceptedAnswer":{"@type":"Answer","text":"You need to submit the settlement form along with the essential documents for claim settlement at the branch where you maintain your NPS account. 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","acceptedAnswer":{"@type":"Answer","text":"The user ID for NPS account to log in to the eNPS-NSDL website will be your Permanent Retirement Account Number (PRAN) provided to you on registering for NPS account. ."}},{"@type":"Question","name":"What are the intermediaries involved in administering the NPS? ","acceptedAnswer":{"@type":"Answer","text":"Intermediaries appointed by the PFRDA, such as Central Recordkeeping Agency (CRA), Pension Funds, Custodian, Trustee Bank, Points of Presence (PoP), Annuity Service Providers (ASPs), and National Pension System Trust. ."}}]}</script><h2 class="text-lg font-bold pt-2 pb-2">News about NPS</h2><div class="flex flex-col gap-2.5"><div class="mb-xl"><div class="rounded-lg border border-slate-200 bg-white text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative"><div class="flex flex-col space-y-1.5 p-4 bg-secondary text-secondary-foreground"><h3 class="font-semibold tracking-tight text-md text-bold">Union Budget 2024: NPS Vatsalya Scheme for Minors </h3></div><div class="p-2.5"><p class="text-base ">The Minister of Finance, Nirmala Sitharaman, introduces the NPS Vatsalya Scheme for Minors in the Union Budget 2024. This plan will let the parents or guardians save for minors in the NPS. The minors will be able to access this account after coming of age. </p><div class="text-end px-2.5 py-1">23 July 2024</div></div></div></div><div class="mb-xl"><div class="rounded-lg border border-slate-200 bg-white text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative"><div class="flex flex-col space-y-1.5 p-4 bg-secondary text-secondary-foreground"><h3 class="font-semibold tracking-tight text-md text-bold">Two-factor Aadhar authentication required for NPS from 1 April 2024 </h3></div><div class="p-2.5"><p class="text-base ">To enhance the security of the National Pension System (NPS), Pension Fund Regulatory and Development Authority (PFRDA) has introduced two-factor Aadhar authentication from 1 April 2024. As per the PFRDA circular released on 15 March 2024, users must use this feature to log into the Central Record-keeping Agency (CRA) system to reduce the risk of unauthorised access to the CRA system. This additional security layer protects the sensitive details of subscribers and stakeholders during NPS transactions. Aadhaar-based authentication is merged with the current use of ID and password to log into the CRA system. </p><div class="text-end px-2.5 py-1">4 April 2024</div></div></div></div><div class="mb-xl"><div class="rounded-lg border border-slate-200 bg-white text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative"><div class="flex flex-col space-y-1.5 p-4 bg-secondary text-secondary-foreground"><h3 class="font-semibold tracking-tight text-md text-bold">Check new NPS withdrawal rules </h3></div><div class="p-2.5"><p class="text-base ">New provisions regarding pension withdrawal under the National Pension System (NPS) have been introduced by the Pension Fund Regulatory and Development Authority (PFRDA). These rules will take effect on 1 February 2024. In a master circular on 12 January 2024, the pension body presented provisions for partial withdrawals. Except for the employer's contribution, NPS subscribers are not permitted to withdraw more than 25% of the money they contributed to their individual pension accounts. </p><p class="text-base ">Only three partial withdrawals may be made by subscribers during their subscription. Subscribers must have participated in this scheme for at least three years in order to be eligible to make a partial withdrawal. Partial NPS withdrawal is allowed to cover marriage expenses, building a new house, children's education, or unexpected healthcare expenses. </p><div class="text-end px-2.5 py-1">23 January 2024</div></div></div></div></div><script type="application/ld+json" data-testid="organization-json-ld">{"@context":"http://schema.org","@type":"Organization","name":"BankBazaar","url":"https://www.bankbazaar.com/","logo":"https://static.bankbazaar.com/images/bankbazaar-logo.png","sameAs":["https://www.facebook.com/bankbazaar/","https://twitter.com/bankbazaar","https://www.instagram.com/bankbazaar/","https://www.linkedin.com/company/417362/","https://www.youtube.com/@BankBazaar","https://in.linkedin.com/company/bank_bazaar"]}</script></div></div></div></div></div><div class="py-5"><div class="border bg-transparent hover:bg-transparent"><details name="accordion" class="px-2.5 py-2.5"><summary class="cursor-pointer block relative"><strong>Disclaimer <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5">Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. 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aria-label="Experian">Experian</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/cibil-credit-score.html" title="CIBIL Score" aria-label="CIBIL Score">CIBIL Score</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/cibil-credit-report.html" title="CIBIL Report" aria-label="CIBIL Report">CIBIL Report</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/cibil-score-calculation.html" title="CIBIL Score Calculation" aria-label="CIBIL Score Calculation">CIBIL Score Calculation</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/how-to-improve-cibil-credit-score.html" title="How to Improve Credit Score" aria-label="How to Improve Credit Score">How to Improve Credit Score</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/credit-monitoring.html" title="How to Monitor Credit Score" aria-label="How to Monitor Credit Score">How to Monitor Credit Score</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Personal Loan:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan.html" title="Compare Personal Loans" aria-label="Compare Personal Loans">Compare Personal Loans</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/sbi-personal-loan.html" title="SBI Personal Loan" aria-label="SBI Personal Loan">SBI Personal Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/hdfc-personal-loan.html" title="HDFC Personal Loan" aria-label="HDFC Personal Loan">HDFC Personal Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/axis-personal-loan.html" title="Axis Personal Loan" aria-label="Axis Personal Loan">Axis Personal Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan-eligibility.html" title="Personal Loan Eligibility" aria-label="Personal Loan Eligibility">Personal Loan Eligibility</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan-interest-rate.html" title="Personal Loan Interest Rates" aria-label="Personal Loan Interest Rates">Personal Loan Interest Rates</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan/instant-loans.html" title="Instant Loans" aria-label="Instant Loans">Instant Loans</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Home Loan:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan.html" title="Compare Home Loans" aria-label="Compare Home Loans">Compare Home Loans</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/sbi-home-loan.html" title="SBI Home Loan" aria-label="SBI Home Loan">SBI Home Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/hdfc-home-loan.html" title="HDFC Home Loan" aria-label="HDFC Home Loan">HDFC Home Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/axis-home-loan.html" title="Axis Home Loan" aria-label="Axis Home Loan">Axis Home Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan-interest-rate.html" title="Home Loan Interest Rates" aria-label="Home Loan Interest Rates">Home Loan Interest Rates</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan-eligibility.html" title="Home Loan Eligibility" aria-label="Home Loan Eligibility">Home Loan Eligibility</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan/repo-rate.html" title="Current Repo Rate 2024" aria-label="Current Repo Rate 2024">Current Repo Rate 2024</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Fixed Deposit:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/sbi-fixed-deposit.html" title="SBI Fixed Deposit" aria-label="SBI Fixed Deposit">SBI Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/hdfc-fixed-deposit.html" title="HDFC Fixed Deposit" aria-label="HDFC Fixed Deposit">HDFC Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/axis-fixed-deposit.html" title="Axis Fixed Deposit" aria-label="Axis Fixed Deposit">Axis Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/post-office-fixed-deposit-rate.html" title="Post Office Fixed Deposit" aria-label="Post Office Fixed Deposit">Post Office Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/senior-citizen-fixed-deposit.html" title="Senior Citizen Fixed Deposit" aria-label="Senior Citizen Fixed Deposit">Senior Citizen Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/5years-fd-interest-rates.html" title="5 Years FD Interest Rates" aria-label="5 Years FD Interest Rates">5 Years FD Interest Rates</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/monthly-income-scheme.html" title="Monthly Income FD Schemes" aria-label="Monthly Income FD Schemes">Monthly Income FD Schemes</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Calculator:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/calculators.html" title="All Finance Calculators" aria-label="All Finance Calculators">All Finance Calculators</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan/emi-calculator.html" title="Home Loan Calculator" aria-label="Home Loan Calculator">Home Loan 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no-underline text-white" href="/finance-tools/emi-calculator.html" title="EMI Calculator" aria-label="EMI Calculator">EMI Calculator</a></li></ul></div></div><div data-orientation="horizontal" role="none" class="shrink-0 bg-slate-200 dark:bg-slate-800 h-[1px] w-full my-4"></div><div class="items-center flex justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Learn More:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/category/credit-cards/" title="Credit Cards" aria-label="Credit Cards">Credit Cards</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/yes-bank-bankbazaar-finbooster-credit-card/" title="Credit Card Offers" aria-label="Credit Card Offers">Credit Card Offers</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 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{"basename":"/","future":{"v3_fetcherPersist":true,"v3_relativeSplatPath":true,"v3_throwAbortReason":true,"unstable_singleFetch":false,"unstable_lazyRouteDiscovery":false,"unstable_optimizeDeps":false},"isSpaMode":false,"state":{"loaderData":{"root":{"namespace":"saving-schemes/nps","gtmId":"GTM-TRB8XL","wenEngageId":"~13410604b","appshell":true},"routes/default/route":{"productType":"ALL","categoryType":"SAVING_SCHEME","bankId":1001,"pageData":{"id":36628,"showUpdatedOn":false,"showTOC":false,"faqs":{"items":[{"answer":[{"data":{"text":"Using the NPS app, you can raise a request for transaction statement for the particular fiscal year. You can also view the details of scheme wise units and update your contact information."},"type":"paragraph"}],"question":"What are the features of NPS app?"},{"answer":[{"data":{"text":"If the subscriber retires early then they must utilize 80% of their total pension amount accumulated to purchase annuity and withdraw the remaining 20% as a lump-sum amount."},"type":"paragraph"}],"question":"What happens if the subscriber retires early?"},{"answer":[{"type":"paragraph","data":{"text":"The minimum contribution amount for Tier I accounts is Rs.500 per month and that for\u0026nbsp;Tier II accounts\u0026nbsp;is Rs.250 per month. Subscribers should also maintain a minimum balance of Rs.6000 for Tier I and Rs.2000 for Tier II at the end of the year.\u0026nbsp;\u0026nbsp;"}}],"question":"What are the minimum contribution amounts for Tier I and Tier II accounts?"},{"answer":[{"data":{"text":"The insurance companies licensed by the IRDA and authorized by the PFRDA act as the annuity service providers to NPS subscribers."},"type":"paragraph"}],"question":"Who provides annuity on withdrawal or maturity under NPS?"},{"answer":[{"data":{"text":"Simply login to the SBI Life customer portal and fill in details such as Customer ID and NPS policy number to view your current status."},"type":"paragraph"}],"question":"How to check the status of your NPS account in SBI?"},{"answer":[{"data":{"text":"The total number of NPS subscribers as on 30 April 2022 is 1,58,49,434."},"type":"paragraph"}],"question":"How many subscribers does NPS have?"},{"answer":[{"data":{"text":"NPS is a cost-effective, flexible and portable retirement savings scheme in which the wealth accumulated depends on the contributions made by the individual."},"type":"paragraph"}],"question":"Is NPS an easily accessible system of long-term investments?"},{"answer":[{"data":{"text":"Yes. NRIs aged between 18 years and 60 years on the date of application and who comply with the current KYC standards can join NPS."},"type":"paragraph"}],"question":"Can an NRI open an NPS account?"},{"answer":[{"data":{"text":"Yes. You will have access to a partial withdrawal option, which will allow you to withdraw a portion of your contributions subject to certain conditions."},"type":"paragraph"}],"question":"Can I make partial withdrawals NPS?"},{"answer":[{"data":{"text":"Yes. Only a Permanent Retirement Account Number is necessary to contribute to the NPS. Once you are assigned a PRAN, you can make contributions even if the PRAN card has not been provided."},"type":"paragraph"}],"question":"Can I contribute to my NPS account before receiving the PRAN card?"},{"answer":[{"data":{"text":"No. You can’t open multiple NPS accounts. However, you can join NPS as well as have an account in the Atal Pension Yojna."},"type":"paragraph"}],"question":"Can I open more than one NPS account?"},{"answer":[{"type":"paragraph","data":{"text":"The interest is calculated by the Pension Accounting Office, who is the official body appointed for this particular task."}}],"question":"Which body is responsible for the calculation of interest with regards to the NPS?"},{"answer":[{"data":{"text":"No. Leave encashment is not allowed as per the guidelines of NPS laid down by the CCS and does not count as a component of the benefits available to the employee after retirement."},"type":"paragraph"}],"question":"Following retirement, are employees engaged in government service eligible for leave encashment as per the guidelines of the NPS?"},{"answer":[{"data":{"text":"The main reason behind this move is to ensure employees in government service will still obtain a regular and stable income every month following their retirement."},"type":"paragraph"}],"question":"What is the reason behind the compulsory utilization of a minimum of 40% of the accumulated pension funds to buy annuities after retirement?"},{"answer":[{"data":{"text":"The office that draws the salary of the subscriber for the maximum amount of time during the month will be responsible for the deduction of contribution towards the NPS."},"type":"paragraph"}],"question":"Which agency or office will be responsible for contribution deductions In the event of the transfer of an employee during the course of the month?"},{"answer":[{"type":"paragraph","data":{"text":"The KYC documents required to enroll for NPS through SBI are photo ID proof, date of birth proof, residential proof, and subscriber registration form.\u0026nbsp;"}}],"question":"What are the KYC documents required to enroll for NPS through SBI?"},{"answer":[{"data":{"text":"You need to submit the settlement form along with the essential documents for claim settlement at the branch where you maintain your NPS account. For details on claim settlements you can send an email to claims@sbilife.co.in. The final decision on claims will be based on the disclosures made in the proposal form by the subscriber."},"type":"paragraph"}],"question":"How does SBI settle the NPS claims?"},{"answer":[{"type":"paragraph","data":{"text":"Yes, you can change your asset allocations twice during a financial year, and your fund manager once.\u0026nbsp;"}}],"question":"Will I be allowed to switch from active choice to auto choice or vice-versa?"},{"answer":[{"data":{"text":"The withdrawal funds are credited to the bank account of the nominee/claimant (as specified in the bank information submitted when starting the online withdrawal request) via electronic mode."},"type":"paragraph"}],"question":"How is the withdrawal fund distributed to the nominee/claimant?"},{"question":"What is the user ID for NPS login? ","answer":[{"type":"paragraph","data":{"text":"The user ID for NPS account to log in to the eNPS-NSDL website will be your Permanent Retirement Account Number (PRAN) provided to you on registering for NPS account.\u0026nbsp;"}}]},{"question":"What are the intermediaries involved in administering the NPS? ","answer":[{"type":"paragraph","data":{"text":"Intermediaries appointed by the PFRDA, such as Central Recordkeeping Agency (CRA), Pension Funds, Custodian, Trustee Bank, Points of Presence (PoP), Annuity Service Providers (ASPs), and National Pension System Trust.\u0026nbsp;"}}]}],"title":"FAQs on the National Pension Scheme"},"news":{"items":[{"title":"Union Budget 2024: NPS Vatsalya Scheme for Minors ","article":[{"type":"paragraph","data":{"text":"The Minister of Finance, Nirmala Sitharaman, introduces the NPS Vatsalya Scheme for Minors in the Union Budget 2024. This plan will let the parents or guardians save for minors in the NPS. The minors will be able to access this account after coming of age.\u0026nbsp;"}}],"updatedOn":"2024-07-23"},{"title":"Two-factor Aadhar authentication required for NPS from 1 April 2024 ","article":[{"type":"paragraph","data":{"text":"To enhance the security of the National Pension System (NPS), Pension Fund Regulatory and Development Authority (PFRDA) has introduced two-factor Aadhar authentication from 1 April 2024. As per the PFRDA circular released on 15 March 2024, users must use this feature to log into the Central Record-keeping Agency (CRA) system to reduce the risk of unauthorised access to the CRA system. This additional security layer protects the sensitive details of subscribers and stakeholders during NPS transactions. Aadhaar-based authentication is merged with the current use of ID and password to log into the CRA system.\u0026nbsp;"}}],"updatedOn":"2024-04-04"},{"title":"Check new NPS withdrawal rules ","article":[{"type":"paragraph","data":{"text":"New provisions regarding pension withdrawal under the National Pension System (NPS) have been introduced by the Pension Fund Regulatory and Development Authority (PFRDA). These rules will take effect on 1 February 2024. In a master circular on 12 January 2024, the pension body presented provisions for partial withdrawals. Except for the employer's contribution, NPS subscribers are not permitted to withdraw more than 25% of the money they contributed to their individual pension accounts.\u0026nbsp;"}},{"type":"paragraph","data":{"text":"Only three partial withdrawals may be made by subscribers during their subscription. Subscribers must have participated in this scheme for at least three years in order to be eligible to make a partial withdrawal. Partial NPS withdrawal is allowed to cover marriage expenses, building a new house, children's education, or unexpected healthcare expenses.\u0026nbsp;"}}],"updatedOn":"2024-01-23"}],"title":"News about NPS"},"hungryForMore":[{"type":"paragraph","data":{"text":"Individual contributions to NPS accumulate over time, benefiting from market-linked returns until retirement. Subscribers also have options for early exit or superannuation. Upon retirement or exit, a minimum of 40% of the accumulated savings is used to secure a lifetime pension through an annuity purchase, while the remaining balance is paid as a lump sum to the subscriber.\u0026nbsp;"}},{"type":"image","data":{"float":"right","lazy":true,"src":"https://static.bankbazaar.com/images/india/infographic/nps-national-pension-scheme.webp","alt":"NPS","title":"National pension Scheme","width":400,"height":250}},{"type":"paragraph","data":{"text":"Read on to learn how NPS operates, its features, benefits, and who should invest. You’ll also find easy-to-follow instructions for opening an account, checking your balance, and understanding how to take money out when you need it."}},{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628"}},{"type":"header","data":{"text":"Objectives of the National Pension System\u0026nbsp;","level":2}},{"type":"paragraph","data":{"text":"Now that we've explored what the NPS scheme is, let's look at its objectives:\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Building a substantial retirement corpus is a critical part of financial planning, helping individuals meet expenses and navigate post-retirement life with ease.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"To support the increasing senior population in India, the government introduced the National Pension System (NPS) to encourage structured savings during working years, fostering financial discipline for a secure future.\u0026nbsp;","items":[]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628"}},{"type":"header","data":{"text":"Features of the NPS Scheme","level":2}},{"type":"paragraph","data":{"text":"Subscribers have two options for investing funds:\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eAuto Choice:\u003c/strong\u003e Investments are managed by a fund manager based on the subscriber's age profile.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eActive Choice:\u003c/strong\u003e Subscribers can choose their asset classes, with a maximum of 50% in equities (Asset Class E), and allocate the remaining funds in Corporate Debt (Class C) or Government Securities (Class G).\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Subscribers can also change their fund manager or switch between options, subject to specific guidelines.\u0026nbsp;","items":[]}]}},{"type":"paragraph","data":{"text":"Option for Partial Withdrawals\u0026nbsp;"}},{"type":"paragraph","data":{"text":"NPS allows partial withdrawals from Tier I contributions for financial needs before retirement. Subscribers can withdraw up to 25% of their contributions, subject to:\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"A minimum of 10 years of contributions\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"A five-year interval between consecutive withdrawals.\u0026nbsp;","items":[]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628"}},{"type":"header","data":{"text":"Benefits of the NPS Scheme","level":2}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eThe following are some of the significant benefits of NPS scheme:\u0026nbsp;\u003c/strong\u003e"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Offers higher returns than traditional tax-saving investments, such as \u003ca href=\"/saving-schemes/ppf.html\" target=\"_blank\"\u003ePPF\u003c/a\u003e and has delivered 9.00% to 12% returns so far\u0026nbsp;","items":[]},{"content":"The equity exposure is 75% to 50% and 50% for government employees, while it reduces by 2.50% every year when the investor turns 50 years of age\u0026nbsp;","items":[]},{"content":"The regular performance of the NPS is monitored, reviewed, and monitoring by the NPS trust as it is regulated by \u003ca href=\"/saving-schemes/pension-fund-regulatory-and-development-authority.html\" target=\"_blank\"\u003ePFRDA\u0026nbsp;\u003c/a\u003e","items":[]},{"content":"The fund offers flexibility to choose investment amount any time in a financial year\u0026nbsp;\u003cbr\u003e","items":[]}]}},{"type":"header","data":{"text":"Tax Benefits on National Pension Scheme (NPS)\u0026nbsp;","level":2}},{"type":"paragraph","data":{"text":"NPS investments qualify for tax benefits under the following sections of the Income Tax Act, 1961:\u0026nbsp;"}},{"type":"table","data":{"rows":[{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eSection\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eTax Benefit\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":true}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Section 80CCD (1)\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Subscriber’s contributions to Tier I are tax-deductible within the overall limit of Rs. 1.5 lakh under Section 80C.\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Section 80CCD (1B)\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"An additional deduction of up to Rs. 50,000 is available for Tier I contributions, beyond the Section 80CCD (1) limit.\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Section 80CCD (2)\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Employer contributions to Tier I are deductible up to 14% for central government employees and up to 10% for other employees, in addition to Section 80C deductions.\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]}]}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eAdditional Tax Benefits for Tier I Investments in NPS\u003c/strong\u003e\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Up to 25% of Tier I contributions withdrawn by the subscriber are tax-exempt.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Annuity purchases made from the NPS corpus are tax-exempt; however, annuity income is taxable in the years it is received.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Up to 40% of the corpus can be withdrawn tax-free after age 60.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"For instance, if a corpus of Rs. 20 lakh is built, Rs. 8 lakh (40%) may be withdrawn tax-free. The remaining 60% used to purchase an annuity will be exempt from tax, though the annuity income will be taxable in the future.\u0026nbsp;","items":[]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628"}},{"type":"header","data":{"text":"Who Should Invest in the NPS?","level":2}},{"type":"image","data":{"height":250,"width":350,"title":"National Pension Scheme","alt":"National Pension Scheme","src":"https://static.bankbazaar.com/images/india/infographic/nps.webp","lazy":true,"float":"right"}},{"type":"paragraph","data":{"text":"NPS is a low-risk investment tool that comes with three models and here is the list of entities that can invest in NPS:\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eGovernment model:\u003c/strong\u003e All the Central (except armed forces) and State Government employees (except West Bengal). The monthly contribution rate for state and central government employees are 10% and 14%, respectively.\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eCorporate model: \u003c/strong\u003eAs per the employment conditions, companies can adopt NPS at applicable contribution rates for their employees.\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eAll Citizens model: \u003c/strong\u003eAll Indian citizens between age group of 18 years to 65 years can join NPS voluntarily.\u0026nbsp;","items":[]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628"}},{"type":"header","data":{"text":"Eligibility Criteria for NPS","level":2}},{"type":"paragraph","data":{"text":"Eligibility for the NPS varies by the model, as detailed below:\u0026nbsp;"}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eGovernment Sector NPS Model\u0026nbsp;\u003c/strong\u003e"}},{"type":"list","data":{"style":"unordered","items":[{"content":"This model is available for central and state government employees, excluding armed forces personnel.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Government employees contribute 10% of their salary to the NPS, matched by an equal contribution from the state government (14% for central government employees).\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"The NPS has been adopted by all states in India except West Bengal.\u0026nbsp;","items":[]}]}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eCorporate NPS Model\u0026nbsp;\u003c/strong\u003e"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Under this model, employees of registered corporate entities can access NPS benefits if enrolled by their employer.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Eligibility requires Indian citizenship, age between 18 and 60, and meeting KYC requirements.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Applicable corporate entities include:\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Companies registered under the Companies Act\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Co-operatives and societies registered under Co-operative Acts\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Central or Public Sector Enterprises\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Proprietorships, partnership firms, and LLPs\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Organisations incorporated under state or central government orders\u0026nbsp;","items":[]}]}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eAll Citizens Model of NPS\u003c/strong\u003e\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Open to any Indian citizen aged 18–60 who meets KYC requirements.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Applicants may enrol voluntarily through any PoP service provider by completing the Subscriber Registration Form and providing the required documents.\u0026nbsp;","items":[]}]}},{"type":"header","data":{"text":"Documents Required for Withdrawal of NPS Amount","level":2}},{"type":"paragraph","data":{"text":"Given below is the list of documents that must be submitted in order to withdraw the amount from NPS:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Withdrawal form","items":[]},{"content":"Original \u003ca href=\"/saving-schemes/how-to-apply-for-pran-card-online.html\" target=\"_blank\"\u003ePRAN card\u003c/a\u003e","items":[]},{"content":"Proof of identity that has been attested must be submitted","items":[]},{"content":"A cancelled cheque must be submitted","items":[]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628"}},{"type":"header","data":{"text":"NPS Information:","level":2}},{"type":"paragraph","data":{"text":"Types of NPS Accounts\u0026nbsp;"}},{"type":"paragraph","data":{"text":"The NPS offers two main account types: Tier I and Tier II. Tier I serves as the default account, while Tier II is an optional account with added flexibility. Below are the features of each account type:\u0026nbsp;\u003cbr\u003e"}},{"type":"table","data":{"rows":[{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eParticulars\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eNPS Tier – I Account\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eNPS Tier – II Account\u003c/strong\u003e\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":true}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Status\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Default\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Voluntary\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Withdrawal\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Not Permitted\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Permitted\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Tax Exemption\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Up to Rs. 2 lakh p.a.\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Up to Rs. 1.5 lakh for government employees; none for others\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Minimum Contribution\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs. 500 or Rs. 1,000 p.a.\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"Rs. 250\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Maximum Contribution\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"No limit\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"No limit\u0026nbsp;\n"}}],"colspan":1,"rowspan":1,"highlight":false}]}]}},{"type":"paragraph","data":{"text":"Returns of National Pension Scheme: The NPS returns are based on the performance of its underlying assets, making the final returns at retirement variable. As a market-linked product, the NPS allows investment across various asset classes, including equities, government debt, corporate debt, and alternative assets. Once the asset allocation and fund manager are selected, contributions are invested accordingly in schemes that cover these asset classes.\u0026nbsp;\u003cstrong\u003e\u003cbr\u003eFor more information, Check out related articles:\u003c/strong\u003e\u0026nbsp;\u003ca href=\"https://www.bankbazaar.com/saving-schemes/how-to-open-nps-account.html\" target=\"_blank\"\u003eNPS Account\u003c/a\u003e\u0026nbsp;,\u0026nbsp;\u003ca href=\"https://www.bankbazaar.com/saving-schemes/nps-calculator.html\" target=\"_blank\"\u003eNPS Calculator\u003c/a\u003e,\u0026nbsp;\u003ca href=\"https://www.bankbazaar.com/saving-schemes/new-pension-scheme-interest-rate.html\" target=\"_blank\"\u003eNPS Interest Rate\u003c/a\u003e\u0026nbsp;\u0026amp;\u0026nbsp;\u003ca href=\"https://www.bankbazaar.com/saving-schemes/national-pension-scheme-withdrawal-rules.html\" target=\"_blank\"\u003eNPS withdrawal Rules\u003c/a\u003e"}},{"type":"embed","data":{"embed":"https://www.youtube.com/embed/HAJuEAiXlQU","service":"youtube","desktopHeight":405,"desktopWidth":720,"mobileHeight":192,"mobileWidth":340}},{"type":"header","data":{"text":"Procedure to Open an NPS Account","level":2}},{"type":"paragraph","data":{"text":"Individuals can\u0026nbsp;\u003ca href=\"https://www.bankbazaar.com/saving-schemes/how-to-open-nps-account.html\" target=\"_blank\"\u003eopen an NPS account\u003c/a\u003e\u0026nbsp;both online and offline. Given below is the procedure to open an NPS account both online and offline:"}},{"type":"header","data":{"text":"Online procedure:","level":3}},{"type":"paragraph","data":{"text":"You will be required to follow the steps mentioned below to open an NPS account online."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 1:\u0026nbsp;\u003c/strong\u003eVisit the eNPS website (\u003ca href=\"https://enps.nsdl.com/eNPS/NationalPensionSystem.html\" target=\"_blank\" rel=\"nofollow\"\u003ehttps://enps.nsdl.com/eNPS/NationalPensionSystem.html\u003c/a\u003e) to register online."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 2:\u0026nbsp;\u003c/strong\u003eClick on ‘\u003cstrong\u003eNational Pension System\u003c/strong\u003e’ and click on ‘\u003cstrong\u003eRegistration\u003c/strong\u003e’."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 3:\u0026nbsp;\u003c/strong\u003eYour mobile number,\u0026nbsp;\u003ca href=\"/aadhar-card.html\" target=\"_blank\"\u003eAadhaar number\u003c/a\u003e, and Permanent Account Number\u0026nbsp;(\u003ca href=\"/pan-card.html\" target=\"_blank\"\u003ePAN\u003c/a\u003e) must be linked with the NPS account."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 4:\u003c/strong\u003e\u0026nbsp;Validate the registration using the OTP which will be sent to your registered mobile number."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 5:\u0026nbsp;\u003c/strong\u003eOn completion of the registration process, you will receive a Permanent Retirement Account Number or PRAN. The PRAN can be used in the future to log in to your profile.\u0026nbsp;\u0026nbsp;"}},{"type":"header","data":{"text":"Offline procedure:","level":3}},{"type":"paragraph","data":{"text":"You will be required to follow the steps mentioned below to open an NPS account offline."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 1:\u0026nbsp;\u003c/strong\u003eVisit the nearest Point of Presence (PoP) centre, a bank, or a post office to open an NPS account. "}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 2:\u003c/strong\u003e\u0026nbsp;You must submit your Know Your Customer (KYC) documents and a duly filled up and signed application form. "}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 3:\u0026nbsp;\u003c/strong\u003eThe PoP centre will send you a PRAN once you have made your first investment. "}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 4:\u0026nbsp;\u003c/strong\u003eThe PRAN along with a password will be present in the welcome kit. The PRAN and password will be required to operate your account. "}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 5:\u003c/strong\u003e\u0026nbsp;You will also be required to pay a one-time registration fee of Rs.125."}},{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628"}},{"type":"header","data":{"text":"How to Login to Your NPS Account for the First Time?","level":2}},{"type":"paragraph","data":{"text":"The following are the steps to login to your NPS account for the first time:\u0026nbsp;"}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 1:\u0026nbsp;\u003c/strong\u003eClick on the link \u003ca href=\"https://enps.nsdl.com/eNPS/NationalPensionSystem.html\" target=\"_blank\" rel=\"nofollow\"\u003ehttps://enps.nsdl.com/eNPS/NationalPensionSystem.html\u003c/a\u003e."}},{"type":"paragraph","data":{"text":" \u003cstrong\u003eStep 2:\u0026nbsp;\u003c/strong\u003eUnder ‘\u003cstrong\u003eAdditional Services\u003c/strong\u003e’, click on ‘\u003cstrong\u003eLogin with PRAN/IPIN\u003c/strong\u003e’. "}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 3:\u0026nbsp;\u003c/strong\u003eEnter your used Id and password, followed by entering the captcha. "}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 4:\u003c/strong\u003e\u0026nbsp;Click on ‘\u003cstrong\u003eSubmit\u003c/strong\u003e’. "}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 5:\u0026nbsp;\u003c/strong\u003eIn case you have forgotten the password, then under ‘\u003cstrong\u003eAdditional Services\u003c/strong\u003e’, click on ‘\u003cstrong\u003eClick Here\u003c/strong\u003e’. "}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 6:\u0026nbsp;\u003c/strong\u003eA new page will open. Select either ‘\u003cstrong\u003eNodal Office\u003c/strong\u003e’ or ‘\u003cstrong\u003evia OTP\u003c/strong\u003e’. "}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 7:\u0026nbsp;\u003c/strong\u003eIf you choose OTP then you will have to enter the One-Time Password (OTP) you will receive on either your mobile number or Email ID along with your PRAN, and date of birth."}},{"type":"paragraph","data":{"text":" \u003cstrong\u003eStep 8:\u0026nbsp;\u003c/strong\u003eEnter the password you want to use and confirm it in the next step. Enter the captcha and click on ‘\u003cstrong\u003eSubmit\u003c/strong\u003e’. "}},{"type":"cta","data":{"linkText":"Check FREE Credit Score","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163309\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON 163309"}},{"type":"header","data":{"text":"How to Check Your NPS Balance Online?","level":2}},{"type":"paragraph","data":{"text":"Follow these steps to check your NPS balance online:"}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 1:\u0026nbsp;\u003c/strong\u003eClick on the link https://enps.nsdl.com/eNPS/NationalPensionSystem.html. "}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 2:\u0026nbsp;\u003c/strong\u003eLog into your account by entering your PRAN. "}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 3:\u0026nbsp;\u003c/strong\u003eClick on ‘\u003cstrong\u003eTransaction Statement\u003c/strong\u003e’. "}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 4:\u0026nbsp;\u003c/strong\u003eThe ‘\u003cstrong\u003eHolding Statement\u003c/strong\u003e' and ‘\u003cstrong\u003eTransaction Statement\u003c/strong\u003e’ can be downloaded from the dropdown menu. "}},{"type":"header","data":{"text":"NPS Withdrawal Rules\u0026nbsp;","level":2}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eHere is the list of NPS withdrawal rules:\u0026nbsp;\u003c/strong\u003e"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Withdrawal after Retirement (60 years):\u0026nbsp;\u0026nbsp;","items":[]}]}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eThe following are the details regarding withdrawal after retirement:\u0026nbsp;\u003c/strong\u003e"}},{"type":"list","data":{"style":"unordered","items":[{"content":"After retirement, subscriber can withdrawal 60% of the corpus as lump sum and invest 40% in equity ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"The total accrued pension can be withdrawal in case the total amount is less than or equal to Rs.5 lakh\u0026nbsp; ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"The total withdrawal is tax free, and subscriber need to invest it in annuity incase the pension amount is less than or equal to Rs.5 lakh\u0026nbsp; Annuity is taxable as per the \u003ca href=\"https://www.bankbazaar.com/tax/income-tax-act.html\" target=\"_blank\"\u003eIncome Tax\u003c/a\u003e bracket, while the withdrawals are tax free\u0026nbsp;","items":[]}]}},{"type":"cta","data":{"linkText":"Check FREE Credit Score","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163309\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON 163309"}},{"type":"header","data":{"text":"New Rules for NPS Withdrawals\u0026nbsp;","level":2}},{"type":"paragraph","data":{"text":"The Pension Fund Regulatory and Development Authority (PFRDA) has recently introduced new provisions for pension withdrawals within the National Pension System (NPS), set to be effective from 1 February 2024. The key changes outlined in a master circular issued on 12 January 2024, shed light on the clauses surrounding partial withdrawals.\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eWithdrawal Limits: \u003c/strong\u003eUnder the updated rules, NPS subscribers are now constrained, with a maximum withdrawal limit set at 25% of their personal pension account contributions, excluding the employer's contribution. This limitation aims to ensure a balanced approach to fund utilization.\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eFrequency of Partial Withdrawals: \u003c/strong\u003eSubscribers are granted the flexibility to make partial withdrawals up to three times during their subscription period. However, specific conditions must be met to qualify for these withdrawals, emphasizing the long-term commitment of subscribers to the NPS scheme.\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eEligibility Criteria for Partial Withdrawals:\u003c/strong\u003e To qualify for a partial withdrawal, subscribers must have been part of the NPS scheme for a minimum of three years. This criterion ensures that withdrawals are made by committed and long-standing participants, promoting the system's stability.\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003ePurposes of Partial Withdrawals: \u003c/strong\u003ePartial withdrawals are permitted for various purposes, including education expenses for children, marriage, house construction, and medical emergencies. The diversification of eligible reasons reflects the PFRDA's acknowledgement of the multifaceted financial needs of subscribers.\u0026nbsp;","items":[]}]}},{"type":"header","data":{"text":"Early Withdrawal or Exit Rules ","level":2}},{"type":"paragraph","data":{"text":"The following are the details on Early withdrawal or exit rules:\u0026nbsp;"}},{"type":"header","data":{"text":"Superannuation:\u0026nbsp;","level":3}},{"type":"list","data":{"style":"unordered","items":[{"content":"On attaining 60 years of age, 40% of the corpus can be utilised in purchasing annuity\u0026nbsp;","items":[]},{"content":"Remaining fund can withdrawan as lump sum\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"If the accrued pension corpus is less than or equivalent to Rs.5 lakh, then the subscriber can opt for lump sum withdrawal of 100%","items":[]}]}},{"type":"header","data":{"text":"\u0026nbsp;Premature exit:\u0026nbsp; ","level":3}},{"type":"list","data":{"style":"unordered","items":[{"content":"Before reaching 60 years of age, 80% of the corpus must be used to purchase an Annuity\u0026nbsp; ","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"The subscriber can opt for 100% lumpsum withdrawal, if the total corpus is less than or equal to Rs.2.5 lakh\u0026nbsp;","items":[]}]}},{"type":"header","data":{"text":"Demise of the subscriber: ","level":3}},{"type":"list","data":{"style":"unordered","items":[{"content":"The entire accrued pension corpus will be paid to the legal heir of the nominee of the subscriber in case of demise of the subscriber.\u0026nbsp; ","items":[]}]}},{"type":"cta","data":{"linkText":"Check FREE Credit Score","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163309\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON 163309"}},{"type":"header","data":{"text":"Equity Allocation Rules\u0026nbsp; ","level":2}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eThe following are the details regarding equity allocation rules:\u0026nbsp;\u003c/strong\u003e"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Scheme E of the NPS invests in equity where 50% of the investment can be allocated\u0026nbsp;","items":[]},{"content":"Auto choice and active choice are the two options to invest in\u0026nbsp;","items":[]},{"content":"The risk profile of your investment is determined by Auto choice as per the age of the beneficiary\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Splitting your investment and deciding on your scheme is allowed by Active Choice.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eThe scheme or Fund Manager change option:\u003c/strong\u003e If you are not satisfied with the scheme or fund manager's performance, you can switch to another scheme or fund manager for both tier I and tier II accounts.\u0026nbsp;","items":[]}]}},{"type":"header","data":{"text":"NPS Withdrawal Process","level":2}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eExit rule and early withdrawal under NPS:\u003c/strong\u003e\u0026nbsp;It is vital that subscribers make investments towards the scheme until they reach 60 years of age as NPS is a pension scheme. However, under certain circumstances, subscribers can withdraw up to 25% of the invested amount if they have invested towards the account for 3 years. Given below are the different cases under which early withdrawal is allowed:","items":[{"content":"In case the children of the subscriber are getting married","items":[]},{"content":"For higher studies","items":[]},{"content":"For buying or building a house","items":[]},{"content":"In case of medical treatment of the subscriber or his/her family members","items":[]}]}]}},{"type":"paragraph","data":{"text":"\u003ca href=\"https://www.bankbazaar.com/saving-schemes/national-pension-scheme-withdrawal-rules.html\" target=\"_blank\"\u003eNPS Withdrawal\u003c/a\u003e\u0026nbsp;is possible for a maximum of 3 times under the scheme and there must be a minimum gap of at least 5 years between withdrawals. The early withdrawal process is applicable only to Tier-I account. Under Tier-II accounts, the entire investment can be withdrawn."}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eWithdrawal after attaining the age of 60:\u003c/strong\u003e\u0026nbsp;The entire investment made towards the scheme cannot be withdrawn once the subscriber reaches the age of 60 years old. It is mandatory that subscribers retain at least 40% of the investment in order to receive a pension. The pension is given to subscribers from an insurance firm that is registered under the PFRDA. The remaining 60% can be withdrawn and no tax needs to be paid on it.","items":[]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628"}},{"type":"header","data":{"text":"Types of NPS Accounts","level":2}},{"type":"paragraph","data":{"text":"Tier-I and Tier-II are the two types of NPS accounts. While the\u0026nbsp;\u003ca href=\"https://www.bankbazaar.com/saving-schemes/all-about-tier-1-national-pension-scheme-account.html\" target=\"_blank\"\u003eTier-I\u0026nbsp;\u003c/a\u003eis a mandatory account, the Tier-II is a voluntary account. The differences between the two accounts are mentioned in the table below:"}},{"type":"table","data":{"rows":[{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003cstrong\u003eCategory\u003c/strong\u003e"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003cstrong\u003eTier-I account\u003c/strong\u003e"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003cstrong\u003eTier-II account\u003c/strong\u003e"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Maximum contribution"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"No limit to the amount of contribution"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"No limit to the amount of contribution that is made towards the account"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Minimum contribution"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Rs.500 or Rs.1,000 in a year must be made towards the account"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Rs.250 must be made towards the account"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Tax deductions"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Subscribers are eligible for a tax deduction of up to Rs.2 lakh."},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Government employees can enjoy a tax deduction of up to Rs.1.5 lakh. Other Subscribers are not eligible for tax deductions under the account."},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Withdrawals that are allowed"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Subscribers cannot withdraw the investments made towards the account until they retire."},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Subscribers will be able to withdraw the contributions made towards the account."},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Status"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"It is a mandatory account for subscribers who register for an NPS account."},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Subscribers can open the account on a voluntary basis."},"type":"paragraph"}]}]}]}},{"type":"paragraph","data":{"text":"The NPS account is mandatory for all Central Government employees. They will have to contribute 10% of their basic salary towards NPS. The NPS scheme is voluntary for all other Indian citizens."}},{"type":"cta","data":{"linkText":"Check FREE Credit Score","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163309\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON 163309"}},{"type":"header","data":{"text":"Differences Between NPS and Other Tax Saving Schemes","level":2}},{"type":"paragraph","data":{"text":"Some of the other schemes that provide\u0026nbsp;\u003ca href=\"https://www.bankbazaar.com/saving-schemes/things-you-need-to-know-about-nps-tax-benefits.html\" target=\"_blank\"\u003eNPS tax benefits\u003c/a\u003e\u0026nbsp;under Section 80C of the Income Tax Act are\u0026nbsp;\u003ca href=\"https://www.bankbazaar.com/fixed-deposit/tax-saver-fd-interest-rates-comparison.html\" target=\"_blank\"\u003eTax-saving Fixed Deposits\u003c/a\u003e\u0026nbsp;(FD), Public Provident Fund (\u003ca href=\"https://www.bankbazaar.com/saving-schemes/ppf.html\" target=\"_blank\"\u003ePPF\u003c/a\u003e), and Equity Linked Savings Scheme (ELSS). Given below is the table where the difference between NPS and the schemes mentioned above are compared:"}},{"type":"table","data":{"rows":[{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003cstrong\u003eType of scheme\u003c/strong\u003e"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003cstrong\u003eRate of interest (p.a.)\u003c/strong\u003e"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003cstrong\u003eFixed period of investment\u003c/strong\u003e"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003cstrong\u003eRisks of the scheme\u003c/strong\u003e"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003cstrong\u003eNPS\u003c/strong\u003e"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"The expected rate of interest is between 9% to 12%"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Investment towards the scheme is till retirement"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"The returns on investments are market-related."},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003cstrong\u003eFD\u003c/strong\u003e"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"The rate of interest is guaranteed and is from 7% to 9%."},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"5 years"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"The scheme is risk-free."},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003cstrong\u003ePPF\u003c/strong\u003e"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"The rate of interest is guaranteed and is 8.1%."},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"15 years"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"It is a risk-free scheme."},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003cstrong\u003eELSS\u003c/strong\u003e"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"The expected rate of interest is from 12% to 15%."},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"3 years"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"The returns depend on the market."},"type":"paragraph"}]}]}]}},{"type":"paragraph","data":{"text":"Even though the returns that are generated from the scheme may be higher than PPF and FD, however, there are no tax benefits on maturity. Individuals who withdraw 60% of the total investments that have been made towards the account should know that 20% of that amount is taxable. However, the taxable amount may vary."}},{"type":"header","data":{"text":"NPS Rules of Allocation","level":2}},{"type":"paragraph","data":{"text":"Investments are made in various schemes by the NPS. Investment is made towards equity under Scheme E of the NPS. Subscribers can contribute up to 50% of their total investments towards equities. Active choice and auto choice are the two different options of investments that are available."}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eActive choice:\u003c/strong\u003e\u0026nbsp;Under active choice, the scheme and the type of split can be decided by the subscriber.","items":[]},{"content":"\u003cstrong\u003eAuto choice:\u003c/strong\u003e\u0026nbsp;Under auto choice, depending on the subscriber’s age, the option decides the risks of the investment. Therefore, less risky and more stable investments are chosen if the subscriber is older.","items":[]}]}},{"type":"cta","data":{"linkText":"Check FREE Credit Score","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON 163309\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON 163309"}},{"type":"header","data":{"text":"How to Initiate Partial Withdrawals from NPS","level":2}},{"type":"paragraph","data":{"text":"You can initiate partial withdrawals from NPS by following the instructions given below:\u0026nbsp;\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eStep 1: \u003c/strong\u003eEnsure that you meet the eligibility criteria for making a partial withdrawal, including being a member of the NPS for at least three years.\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eStep 2: \u003c/strong\u003eDraft a self-declaration stating the purpose for the withdrawal. Clearly articulate the reason, whether it's for education expenses, marriage, house construction, medical emergencies, or other eligible purposes.\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eStep 3: \u003c/strong\u003eContact the Government Nodal Office or Point of Presence. Reach out to your respective government nodal office or point of presence. These are the authorized entities through which withdrawal requests are processed.\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003e\u0026nbsp;Step 4:\u003c/strong\u003e Collect the necessary withdrawal form from the government nodal office or point of presence. This form typically includes fields for personal details, NPS account information, and the purpose of withdrawal.\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eStep 5: \u003c/strong\u003eFill out the withdrawal form accurately and provide all required information. Ensure that your self-declaration is attached to the form, clearly specifying the purpose of the withdrawal.\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eStep 6: \u003c/strong\u003eSubmit the completed withdrawal form along with the self-declaration to the Central Recordkeeping Agency (CRA). The CRA serves as the central processing entity for NPS withdrawals.\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eStep 7: \u003c/strong\u003eWait for the withdrawal request to be processed. The processing time may vary, so it's advisable to check with the relevant authorities for an estimated timeline.\u0026nbsp;","items":[]}]}},{"type":"header","data":{"text":"KYC Documents Required to Enroll in the NPS","level":2}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eThe following documents are required to be submitted at the time of making the application:\u003c/strong\u003e"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Subscriber registration form","items":[]},{"content":"Photo ID proof","items":[]},{"content":"Proof for Date of Birth","items":[]},{"content":"Proof of residence","items":[]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628"}},{"type":"header","data":{"text":"Different Modes of Payment","level":2}},{"type":"paragraph","data":{"text":"The following modes are accepted by SBI for NPS premium payments:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Direct payment at an SBI Life branch","items":[]},{"content":"Through standing order on\u0026nbsp;\u003ca href=\"https://www.bankbazaar.com/credit-card.html\" target=\"_blank\"\u003ecredit card\u003c/a\u003e","items":[]},{"content":"Online payments","items":[]},{"content":"\u003ca href=\"https://www.bankbazaar.com/ifsc/electronic-clearing-service.html\" target=\"_blank\"\u003eElectronic Clearing Service\u003c/a\u003e","items":[]},{"content":"Payments through SBI Life’s mobile app","items":[]},{"content":"Through National Automated Clearing House (\u003ca href=\"/ifsc/nach.html\" target=\"_blank\"\u003eNACH\u003c/a\u003e)","items":[]},{"content":"Through POS terminals at authorized SBI Life branches","items":[]}]}},{"type":"header","data":{"text":"Pension Funds Listed under NPS","level":2}},{"type":"paragraph","data":{"text":"The following pension funds have been registered under NPS:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"SBI Pension Funds Pvt. Ltd.","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"UTI Retirement Solutions Ltd.","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"LIC Pension Fund Ltd.","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"HDFC Pension Management Co. Ltd.","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Kotak Mahindra Pension Fund Ltd.","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Aditya Birla Sunlife Pension Management Ltd","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"ICICI Prudential Pension Fund Management Co. Ltd.","items":[]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score Now","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_36628\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_36628"}},{"type":"header","data":{"text":"NPS Customer Care Number","level":2}},{"type":"paragraph","data":{"text":"Here are the following details regarding NPS Customer Care Number:\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eNPS SMS Number: \u003c/strong\u003eSMS ‘\u003cstrong\u003eNPS\u003c/strong\u003e’ to 56677","items":[]},{"content":"\u003cstrong\u003eNPS Toll-Free Number for Registered Subscriber (with PRAN):\u003c/strong\u003e \u003ca href=\"tel:1800-222-080\" target=\"_blank\"\u003e1800 222 080\u003c/a\u003e","items":[]},{"content":"\u003cstrong\u003eNPS Call Centre Number: \u003c/strong\u003e\u003ca href=\"tel:1800-110-708\" target=\"_blank\"\u003e1800 110 708\u003c/a\u003e","items":[]}]}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eDetails of the ombudsman are as under:\u003c/strong\u003e"}},{"type":"paragraph","data":{"text":"Shri Narender Kumar Bhola\u003cbr\u003ePension Fund Regulatory and Development Authority \u003cbr\u003eB-14/A, Chatrapati Shivaji Bhawan, \u003cbr\u003eQutab Institutional Area, Katwaria Sarai, New Delhi- 110016 \u003cbr\u003eChhatrapati Shivaji Bhawan, "}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eEmail Id: \u003c/strong\u003e ombudsman@pfrda.org.in \u003cbr\u003e\u003cstrong\u003eLandline No.:\u003c/strong\u003e \u003ca href=\"tel:011- 2651-7507\" target=\"_blank\"\u003e011 - 26517507\u003c/a\u003e Ext : 188"}},{"type":"cta","data":{"linkText":"Know Your Credit Score for FREE","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SSFAQ_BUTTON 163309\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SSFAQ_BUTTON 163309"}}],"breadCrumb":{"otherLinks":[{"link":"/saving-schemes.html","text":"Saving Schemes"}],"currentPageText":"NPS"},"hideUserReviews":true,"hideOfferTable":true,"hideEligForm":true,"metaDescription":"National Pension System (NPS) - Know How to Open an Account, Login Instructions, Required Documents, Withdrawal Process, and Tax Benefits of NPS.","metaKeyword":"NPS, National Pension System, National Pension System (NPS)","metaTitle":"National Pension System (NPS) - Feature, Benefits \u0026 Eligibility","h1Title":"National Pension System (NPS)","topContent":[{"type":"header","data":{"text":"What is the National Pension Scheme?\u0026nbsp;","level":2}},{"type":"paragraph","data":{"text":"The \u003cstrong\u003eNational Pension Scheme\u003c/strong\u003e (NPS) is a voluntary retirement savings plan in India that has been regulated by the Pension Fund Regulatory and Development Authority (PFRDA) since 2013. It collects contributions from individuals, which are managed by professional fund managers and invested in a variety of assets, such as government bonds, corporate debentures, and stocks. 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