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A Low Cost Investment Option With Tax Redemption Benefit

National Pension System (NPS) is an easy to access, low cost, flexible and portable retirement savings account which offers tax benefits under Section 80C and Section 80CCD.

National Pension Scheme or National Pension System is a Government of India initiative that offers retirement benefits to its subscribers. It is regulated by the Pension Fund Regulatory and Development Authority (PFRDA) and offers a robust yet transparent platform which allows an individual to plan their retirement in a cost effective way.

Under the pension scheme, a subscriber can either contribute to his retirement account by themselves or have contribution from employer as social security/welfare of the individual. It is designed on defined contribution basis wherein the subscriber contributes to his account and the accumulated wealth depends on the contributions made and the income generated from investment of such wealth.

Some key benefits include:
  • The greater the value of the contribution made, the greater the investment achieved.
  • The longer the term over which the fund accumulates and lower the charges deducted.
  • The larger would be the eventual benefit of the accumulated pension wealth likely to be.
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Save Additional Tax:
Contributions made are eligible for additional tax deduction benefit on voluntary contribution of up to Rs. 50,000/-under section 80CCD (1B), over and above Rs.1,50,000/-u/s 80C.
Assortment of Investment Options:
The two investment models offered are AUTO or ACTIVE.
Based on user choice, the funds are allocated under Equity (E), Corporate Bonds (C), Government securities (G) and Alternate Assets (A)
Market Based Returns
NPS returns are dependent on the asset allocation amongst Equity (E), Corporate Bonds (C), Government Securities (G) and Alternate Investment Funds (A) and are directly linked to the market as per the market returns
Long - Term Returns:
NPS is a long-term investment plan which draws benefits based on compounding. There is a minimum lock in period of 10 years for All Citizens/Corporates
Online Presence:
Instant Access - Opening and accessing NPS account online is a hassle-free process. Subscriber can also transact through web or mobile-based app.
Flexible & Transparent:
The subscriber has the flexibility to opt for an investment option, fund manager, annuity service provider and annuity option of choice. The returns are transparent in nature

NPS Eligibility Criteria​

I. All Citizen Model:arrow

A citizen of India, whether resident or non-resident (NRI or OCI), subject to the following conditions:

  • Applicant should be between 18 – 70 years of age as on the date of submission of his/her application.
  • Applicant should comply with the Know Your Customer (KYC) norms as detailed in the Subscriber Registration Form. All the documents required for KYC compliance need to be mandatorily submitted.​

II. Central Government:arrow

The Central Government had introduced the National Pension System (NPS) with effect from January 1, 2004 (except for armed forces). Hence, all Central Government employees joining on or after 01-01- 2004 are mandatorily covered under NPS.​

III. Central Government Autonomous Bodies (CABs):arrow

The Central Government had introduced the National Pension System (NPS) with effect from January 1, 2004 (except for armed forces i.e. Army, Navy & Air Force). All the employees of Central Autonomous Bodies who have joined on or after the above mentioned date are also mandatorily covered under NPS.​ ​

IV. State Government:arrow

To be a subscriber under the State Government, an individual has to be employed under the particular State Government. Various State Governments have adopted NPS architecture and implemented NPS with effect from different dates.​ ​

V. State Government Autonomous Bodies (SABs):arrow

  • To be a subscriber under a State Autonomous Body (SAB), the individual has to be employed under the particular SAB which has implemented NPS.​
  • Various State Governments have adopted NPS architecture and implemented NPS for the employees of State Government as well as for the employees of Autonomous bodies, State PSUs, Corporations, Boards, Nigams etc. with effect from different dates.​

​VI. Corporate Model:arrow

For Corporates:​

Corporate Model is available to any of the entities as under:-

  • Entities registered under Companies Act ​
  • Entities registered under various Co-operative Acts 
  • Central Public Sector Enterprises 
  • State Public Sector Enterprises 
  • Registered Partnership firm 
  • Registered Limited Liability Partnership (LLPs) 
  • Any Body incorporated under any act of Parliament or State legislature or by order of Central / State Government 
  • Proprietorship Concern 
  • Trust/Society

​For Subscribers

The employees of the corporate entity, enrolled by the employer having Indian Citizenship between the age of 18-70 years and complying with the KYC norms, are eligible to be registered as subscribers under NPS​​


Investing in NPS made simple,

Here's how

  • A subscriber can opt for either PAN or Adhaar based registration.
    PAN: You must have a 'Permanent Account Number' (PAN) or and an active Saving / Current account with any of the registered Banks (for KYC verification and initial payment through Internet Banking) to complete the registration process using this option. To view the list of empanelled Banks available for registration, click here.
    Initial contribution needs to be done through the Internet Banking facility of the bank selected by the subscriber during the online application process. The same bank will be responsible for KYC authentication in NPS.​
    Aadhaar: The user must have Aadhaar number with registered mobile number.
  • Subscriber needs  to fill up all the mandatory details  online.
  • Then the subscriber needs to upload supporting documents.​
  • Subscriber need to make the initial contribution while opening the account (Minimum amount of Rs.500 for Tier I and Rs.1000 for Tier II).​
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All existing Subscribers registered with KFintech-CRA can contribute to their PRAN Tier I & Tier II account using ‘eNPS’.

For online contribution,
  • Subscriber must have an active Tier I / Tier II account.​
  • Authenticate subscriber PRAN using the OTP sent on registered mobile number or e-mail ID.​
  • Select the account (Tier-I or Tier-II) and make contributions through either via Debit / Credit card or Internet Banking option of any of the empanelled Banks. To view the list of empanelled Banks available for making contributions, click here
  • If PRAN is associated with a Point Of Presence (PoP), PoP Service Charges of 0.10% plus applicable GST (subject to minimum of ₹ 10 and maximum of ₹ 10,000 per transaction) will be applicable on the contribution amount.​
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All existing Subscribers associated with KFintech-CRA can activate Tier II account using 'eNPS'. To activate Tier II account online :​
  • Subscriber should have a 'Permanent Account Number' (PAN).​
  • Subscriber to enter details like PRAN, Date of Birth and PAN.​
  • OTP for the purpose of authentication will be sent to the mobile number registered with the CRA.​
  • Subscriber need to fill up all the mandatory details (Bank, Nomination, Scheme Preference etc.) online.​
  • Upload copy of PAN Card and Cancelled Cheque.​
  • Subscriber needs to enter the initial amount for investment (minimum ₹ 1000).​
  • Subscriber will then be routed to a payment gateway for making the payment towards your NPS account from Debit/ Credit card or Internet Banking. To view the list of Banks available for Internet Banking, click here
  • Subscriber need to take a printout of the form after activation of Tier II account.​
  • The form along with copy of PAN card and cancelled cheque should be sent within 30 days from the date of activation of Tier II account to KFintech branch office or else the PRAN (Tier II) will be 'frozen' temporarily.​ ​
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Tier I Tier II
Status Mandatory Voluntary
Withdrawals Restricted Permitted
Min Initial Contribution ₹ 500
₹ 1000
Min Subsequent Contribution ₹ 500 ₹ 250
Max NPS Contribution No Limit No Limit

NPS Account Types

Two Types of NPS accounts

Understanding Tier I & Tier II

The Pension Scheme, offers subscriber mainly two account types known as Tier I account and Tier II account. While Tier I account is mandatory for joining NPS, Tier II account is optional and can be opened at any point of time –at the time of opening Tier I account or later.

Tier-I /Pension Account is a long-term Permanent Retirement Account in which the subscriber invests for the long term and earns pension at the time of retirement.
On the other hand, Tier-II or Investment Account is a voluntary short-term investment account.

Tier I account is mandatory for opening Tier II account. There are no restrictions on the withdrawals from Tier II account.
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Thinking, how much to invest?

Use the NPS Calculator

Pension Calculator helps a NPS Subscriber calculate the tentative Pension and Lump sum amount that s/he may expect on maturity or on attaining 60 years of age. The said amount is calculated based on regular monthly contributions, percentage of corpus reinvested for purchasing annuity/pension and assumed rates in respect of returns on investment and annuity opted for.

  • A) All calculations and illustrations are indicative in nature and based on an assumed rate of return. Hence, the figures do not indicate or assure an actual amount/figure.​

Current Age


Amount I’d like to contribute monthly

Expected Return on Investment


Corpus I’d like to set aside for Annuity/Pension


Expected Rate of Annuity/Pension


You would have accumulated by the time of you retirement for your total investment of over the period of

On retirement you will receive annuity amount of & lumpsum amount of . Your monthly pension post retirement will be of

total investment

Total Investment

market value

Market Value

total tax save coin

Total Tax Savings

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Why KFintech CRA?

Here’s why you can choose us
200 Branches Across India

Well established in 200+ location across PAN India

Low Charges Opening, Maintenance & Transaction of Accounts

Minimal charges for account opening, maintenance and transactions

Local Support in Various Districts

Phygital access for seamless process

Access for Online Requests

Instant Access & Online Available

Instant SMS & Email Facility

Associated with over 75 PoP and 1000+ Corporates

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Scheme NAV
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Scheme NAV
(End Date)

CAGR since inception


Check Latest NPS NAV

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Know the Performance of the Selected Fund

Net Asset Value or NAV is the price of one unit of a fund scheme. It is calculated by adding up the value of all the securities and cash in the fund's portfolio (assets) subtracting the fund's liabilities, and dividing the whole by no. of units issued under that fund.

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  • User Friendly InterfaceUser Friendly Interface
  • Fast & ConvenientFast & Convenient
  • Advanced FeaturesAdvanced Features
  • Instant Access to NPSInstant Access to NPS
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Frequently Asked Questions
Can Government Subscriber enroll through eNPS?
Government Pension
Government employees who are mandatorily covered under NPS shall approach their nodal office for PRAN generation.
I am already a registered subscriber. Can I use the eNPS portal to make my subsequent contributions?
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All existing subscribers (registered through both online and offline mode) can contribute in Tier I & Tier II account. The subscriber should visit https://enps.kfintech.com/ and go to the ‘contribution’ page. Subscriber is required to enter PRAN and DOB details and click on ‘verify PRAN’. After authentication using OTP, the subscriber can proceed to the payment gateway and make his contribution.
What other facilities are available on the eNPS portal?
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The subscribers who have been registered under NPS, can use the eNPS portal to login and make the following changes: 1. Change in Scheme Preference
2. Update Address (using Aadhaar number)
3. Update email ID/mobile number
4. View Account Details/Account Statement
5. Reset of I-PIN
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