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National Pension System - All Citizen Model

An investment cum pension scheme initiated by Government of India, NPS aims to provide security post retirement age to Indian Citizens.

Age Criteria:    Between 18 to 70 years

Point of Presence (POP) are the entities registered with the PFRDA to act as a customer interface to all citizens of India. They perform functions through their network of branches called POP Service Providers (POP-SP) The operations of these POP-SPs shall be coordinated and controlled by the POP. Subscriber can also enroll through eNPS online model.


National Pension System, or NPS, is a voluntary retirement savings system initiated by the Government of India when it felt the need to provide income to Indian citizens in their old age. The NPS works under the regulation of the Pension Fund Regulatory and Development Authority (PFRDA). This system mainly aims to generate income for people at the time of their retirement to help them sustain themselves in their old age.

Under NPS, the government introduced the National Pension Scheme - All Citizens Model on May 1st, 2009. This model includes all the working-class citizens of the country under its wings and provides NPS benefits to everyone. The NPS has the following objectives:

  • Providing sustainable income in old age
  • Providing planned savings options to retirees in the form of pension
  • Generating market-based returns over a long period

National Pension Scheme

There are two ways through which a citizen can join the NPS - All Citizens Model.

The first is by visiting the Points of Presence – Service Provider (PoP-SP), the network branches of the NPS. Citizens must be between the ages of 18 and 65 years to join this scheme. The following steps need to be followed to join the NPS:


Avail your PRAN (Permanent Retirement Account Number) application number from your preferred PoP-SP. You can also avail the PRAN application form by visiting the official NPS website.


Fill out the PRAN application form with accurate details regarding scheme preference. You would also be required to provide a photograph, signature, and relevant KYC documentation.


Submit the PRAN application form at the PoP-SP. The CRA (Central Recordkeeping Agency) will send your PRAN card to your registered address.


You can track the status of your application with the receipt number provided by the PoP-SP on submission of the PRAN form.


Pay the amount required for your first contribution and submit your contribution slip to the POP-SP.

The second method of joining the NPS is by visiting the NPS website online. You have to open an NPS account on the website using your PAN and bank details. The following steps will need to be completed:


Create an NPS account and submit your PAN and bank details for verification. You also have to fill in the details online.


Upload all the documents on the online NPS portal.


Make payments for your first contribution through digital transactions such as net banking, etc.


What is the Point of Presence on NPS?

Points of Presence or PoPs are government entities that carry out various functions prescribed by the National Pension Scheme. PoPs help Indian citizens to register and join the NPS transparently. They provide all the services under NPS through several service providers acting like branches of PoP.

Which POP is best for NPS?

There are several different POPs and CRAs to choose from. NPS KFintech is a popular CRA working towards maintaining and administering records. It also provides impeccable customer service.

What does the PFRDA do?

The PFRDA, or the Pension Fund Regulatory and Development Authority, is a government body set up in 2003. It regulates the proper functioning of the pension sector in India. The NPS was also launched under the regulation of the PFRDA for their All Citizens Model in 2009.


Following forms must be filled in at various levels under the NPS.

POP/POP-SP Registration

  • Form UOS-N1-Pop-Registration Form
  • Form UOS N1-A: POP's DSC Details Submission
  • Form UOS N2: POP-SP Registration
  • Form UOS N2-A: POP-SP's DSC Details Submission
  • Annexure NE-5: Bank Details Update Form

Subscriber Registration

  • Form CSRF: Subscriber Registration Form
  • Annexure I: Tier II Details
  • Annexure II: Additional Request Details
  • Annexure III: Additional Nomination Details
  • Form NSRF: Subscriber Registration Form-NRI
  • Subscriber Registration Form NSRF Annexure I
  • Subscriber Registration Form NSRF Annexure II
  • S10-Subscriber Registration Form Tier-II
  • Press Release by Pension Fund Regulatory & Development Authority (PFRDA)

NPS Account Maintenance

  • NCIS: NPS Contribution Instruction Slip
  • Form UOS S2: Subscriber Details Change
  • Form UOS S7: Subscriber's Photo and signature change
  • Form S3: Scheme Preference change
  • GoS-S3-Scheme Preference Change
  • S12-Withdrawal Form Tier II
  • UOS S13 – Form for One Way Switch
  • Form UOS S5: Shifting of Subscriber
  • Form UOS-S06- Change of POP Subscriber
  • UOS-S10A Application for unfreezing of PRAN under National Pension System
  • Form ISS - Inter Sector Shifting
  • PAN & Aadhaar Updation Form
  • Form ICSS - Inter CRA subscriber shifting form

Subscriber Grievances

  • Form G1: Subscriber Grievance Registration

Withdrawal Forms

  • Exit from National Pension System Due to Superannuation & Incapacitation
  • Exit from National Pension System Due to Superannuation & Incapacitation in Hindi
  • Exit from National Pension System Due to Premature Exit
  • Exit from National Pension System Due to Premature Exit in Hindi
  • Form for Withdrawal by Claimant due to Death of Subscriber
  • Form for Withdrawal by Claimant due to Death of Subscriber in Hindi
  • Complete Withdrawal Request Form AP
  • Complete Withdrawal Request Form AS
  • Form for Partial Withdrawal under NPS
  • Affidavit for non-submission of PRAN Card_subscriber
  • Affidavit_For non-Submission of PRAN Card_claimant
  • Certification of death certificate if received in Vernacular Language
  • Indemnity Bond
  • Relinquishment Deed
  • Request for Continuation or Deferment

List of POP and POP-SP

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

  • Applicant should be between 18 – 70 years of age as on the date of submission of his/her application to the POP/ POP-SP.
  • 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.
  • These processes shall be carried out through the entities known as Points of Presence (POPs) appointed by the PFRDA. POPs shall provide the services under NPS through their network of branches called POP Service Providers (POP-SP).

Registration of POP

Flow Chart

Registration of POP-SP (after Registration of POP)

Flow Chart

Mode of NPS Contribution


The subscriber can contribute the amount through cash, local cheque, demand draft or Electronic Clearing System (ECS) at his/her chosen POP-SP. However, for cash transactions exceeding Rs.50000/- subscriber needs to submit the copy of the PAN card as per the Anti-Money laundering (AML) rules. Also, No outstation cheques shall be accepted.

Minimum Contribution ( For Tier-I )


Minimum contribution at the time of account opening and for all subsequent transactions- Rs 500. Minimum contribution per year- Rs 1,000 excluding charges and taxes.

What is Subscriber Contribution file?


Subscriber Contribution File (SCF) is a file containing the details of the contributions of Subscriber (Own and Co-Contribution if any) towards the pension fund. It is a standard format specified with contribution details of Subscribers which has to be uploaded in CRA system by Nodal Office.

SCF Format


* Subscriber’s tier II Contribution Amount- POP/ POP-SP may provide contribution in Tier I and Tier II

** Receipt Number- Receipt Number has to be generated through MIS upload by POP/ POP-SP

Contribution Model


Fund Transfer


POP / POP’s bank transfers the total funds electronically to Trustee Bank within 12 working days. Information to be provided while transferring the funds i.e. PAOFIN. For example, PAOFIN10000011700000000001z