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Following CRA chares are applicable for Tier I account of a PRAN:
Transaction charges for Tier II are recovered from subscriber's account by way of unit deduction.
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Account Statement - Tier I
A Statement of Account, showing all details of contributions, investment, unit balances, NAV, charges deducted etc. is sent to subscriber registered email on each contribution.Subscriber can also view/download his/her Statement of Account by the following means:
- By logging into the CRA website https://nps.kfintech.com and view his/her Statement of Account.
- Make a request for a statement by calling our toll free number 1800 208 1516 which will be sent to subscriber’s registered Email ID.
- Make a request for a statement through Mobile App which will be sent to subscriber’s registered Email ID.
- Subscriber may also contact his/her DDO/PAO/DTO/POP/POP-SP for the same.
Account Statement - Tier II
A Statement of Account, showing all details of contributions, investment, unit balances, NAV, charges deducted etc. is sent to subscriber registered email on each contribution. Subscriber can also view/download his/her Statement of Account by the following means:
- By logging into the CRA website https://nps.kfintech.com and view his/her Statement of Account.
- Make a Request for a statement by calling our toll free number 1800 208 1516 which will be sent to subscriber’s registered Email ID.
- Make a request for a statement through Mobile App which will be sent to subscriber’s registered Email ID.
- Subscriber may also contact his/her DDO/PAO/DTO/POP/POP-SP for the same.
ChangeRequest/Modification in Tier I Account
Details can be updated as per below process:
- If subscriber wishes to carry out changes in the Permanent Retirement Account details, he/she should fill-up Subscriber Modification Form (Form S2).
- Subscriber to submit the form to his/her associated Nodal Office (DDO in case of Govt. Sector / POP-SP in case of 'All Citizens' sector/ CBO in case of Corporate Sector).
ChangeRequest/Modification in Tier II Account
Details can be updated as per below process:
- If subscriber wishes to carry out changes in the Permanent Retirement Account details, he/she should fill-up Subscriber Modification Form (Form S2).
- Subscriber to submit the form to his/her associated Nodal Office (DDO in case of Govt. Sector / POP-SP in case of 'All Citizens' sector/ CBO in case of Corporate Sector).
Contribution By Subscriber
All existing Subscribers registered with KFintech-CRA can contribute online to their PRAN Tier I & Tier II account. To contribute online, you need to have an active Tier I / Tier II account. Following is the procedure to contribute online under NPS:
- Authenticate your PRAN using the OTP sent to your registered mobile/ e-mail ID.
- Select the account (Tier-I or Tier-II) and make contributions through your Debit card / Credit card or use Internet Banking option of any of the empanelled Banks.
- Units will be allotted only after funds are reconciled by Trustee Bank. Generally, it takes 2-3 working days to reconcile the funds by Trustee Bank and provides the confirmation in CRA system.
- If PRAN was allotted through a Point of Presence (POP), POP Service Charges 0.10% will be applicable on the contribution amount (subject to Minimum of Rs. 10 & Maximum of Rs. 10,000 per transaction) plus applicable Tax.
CRA Charges
Tier I
KCRA service charges are levied quarterly as per the contract agreement with PFRDA. KCRA charges are recovered based on the sector to which the subscriber belongs.| Sr.No | Sector | Charges Recovery Mode |
|---|---|---|
| 1 | Government | Paid by Government |
| 2 | All Citizens | Deducted from the subscriber’s PRAN |
| 4 | Corporate | Deducted from the subscriber’s PRAN or Billed to respective Corporate (depending upon the mode opted by respective Corporate) |
| Sr.No | Charge Head | Amount (Rs.) (excluding service tax) |
|---|---|---|
| 1 | Account Opening Charge | 39.36 |
| 2 | Annual Account Maintenance Charge | 57.63 |
| 2 | Transaction Charge | 3.36 |
Tier II
KCRA service charges are levied quarterly as per the contract agreement with PFRDA.| Sr.No | Charge Head | Amount (Rs.) (excluding service tax) |
|---|---|---|
| 1 | Account Opening Charge | NIL |
| 2 | Annual Account Maintenance Charge | NIL |
| 2 | Transaction Charge | 3.36 |
NPS Account Opening
Opening of Tier I account:
- Subscribers of 'All Citizens' sector: Please fill up the form and submit it to the nearest Point of Presence-Service Provider (POP-SP). The list of POP-SPs is available at https://nps.kfintech.com. Alternatively, account can be opened by visiting our website https://nps.kfintech.com.
- Employee of Corporate sector: Please fill up the form and submit it to the respective Corporate Branch Office which in turn will submit to CRA Branch.
- Government employee: Please submit Form CSRF 1 (Subscriber registration for allotment of PRAN) to your concerned Drawing and Disbursing Officer (DDO). The DDO will forward the same to Pay and Account Office (PAO)/District Treasury Office (DTO) who will forward it to our CRA Branch.
- Processing at CRA: After receiving PRAN application, CRA shall allot the PRAN & dispatch PRAN kit containing PRAN card, subscriber master details and NPS Booklet to your office. The Subscriber Registration Form is available on our website https://nps.kfintech.com.
- Submit the physical form S10 to POP-SP.
- Alternatively, you can open your Tier II online by visiting our website https://nps.kfintech.com. Follow the below steps to activate Tier II account online: a) Visit our website https://nps.kfintech.com b) Please Provide PRAN, Date of Birth and PAN. c) One Time Password for the purpose of authentication will be sent to the mobile number registered with the CRA. d) Please fill up all the mandatory details (Bank, Nomination, Scheme Preference etc.) online. e) User is required to upload copy of PRAN Card and copy of cancelled cheque in KCRA system. f) Please enter the initial amount for investment (minimum ₹ 1000). g) You will be routed to a payment gateway for making the payment towards your NPS account from Debit/ Credit card or Internet Banking. h) Please take a printout of the form after activation of Tier II account. i) The form along with copy of PAN card and cancelled cheque should be sent within 90 days from the date of activation of Tier II account to CRA at the following address. Central Recordkeeping Agency, KFintech, 4th Floor, Tower B, Plot Nos. 31 & 32, Selenuim Building, Financial District, Nanakramguda, Gachibowli, Hyderabad – 500032, Telangana, India
Others - Tier I
You can view the information on following topics on our website https://nps.kfintech.com
- eNPS
- Offer Document
- PFM-NAV Search
- Forms
- Frequent Asked Questions
- Standard Operating Procedures (SOPs) on various functionalities
Others - Tier II
You can view the information on following topics on our website https://nps.kfintech.com
- eNPS
- Offer Document
- PFM-NAV Search
- Forms
- Frequent Asked Questions
- Standard Operating Procedures (SOPs) on various functionalities
PIN Related
Subscriber can access online CRA system by using the Internet Personal Identification Number (I-PIN) and can access CRA Customer Care by using Tele-query Personal Identification Number (T-PIN) or authenticating through registered mobile number.
Below is the process for regenerating the I-PIN:
- Visit our website https://nps.kfintech.com.
- Click on ‘Login for existing Subscribers
- Click on Password Generation option.
- An OTP will be sent to subscriber’s registered mobile number and email ID.
- With the help of OTP, subscriber can reset his/her I-PIN.
- Alternatively, subscriber can call our customer care 1800 208 1516 for generation/reset of I-PIN.
- For generation/reset of T-PIN, subscriber to call our customer care 1800 208 1516.
Procedure for shifting of PRAN
PRAN is unique and portable. As per PFRDA guidelines, a subscriber can shift/transfer his/her PRAN from one office to another office within the same sector or from one sector to another (Eg. Central Government to State Government or vice versa).
- Shifting from one Nodal office to another within the Central Government/State Government: For shifting of PRAN within Central/State Government sector, the Subscriber is required to intimate his PRAN to the new Nodal Office. There is no need to fill the Inter Sector Shifting Form. On successful processing of monthly NPS contributions by the new Nodal Office; PRAN will be automatically associated to the new Nodal Office in the KCRA system.
- From one State Government/Central Government/Corporate to Central Government /another State Government/Corporate and vice versa: For shifting PRAN from Central/State Government/Corporate sector to another Central/State Government/All Citizens /Corporate, the Subscriber is required to submit Inter Sector Shifting (ISS 1) to the new Nodal Office. ISS Form can be downloaded from our corporate website https://nps.kfintech.com The new Nodal Office will submit the online request for shifting of PRAN from one sector to another sector.
- Shifting from All Citizens to Central Government/ State Government/Corporate or vice versa: For shifting of PRAN from All Citizen to Central Government/ State Government/Corporate, subscriber is requested to submit the Inter Sector Shifting (ISS 1) Form to the new Nodal Office. The new Nodal Office will submit the online request for shifting of PRAN from one sector to another sector. If subscriber's new Nodal Office is not covered under NPS, he/she may also continue with his/her NPS account under All Citizens sector. Subscriber can approach any POP-SP for the same. ISS Form and List of the POP-SP is available on our website https://nps.kfintech.com
- From one Point of Presence (POP)/POP-SP (Point of Presence Service Provider) to another POP/POP-SP: For shifting of PRAN within All Citizens sector from one Point of Presence (POP) to another, subscriber is requested to submit the ‘AC-S5’ Form to his/her new POP/POP-SP. The new Nodal Office will submit the online request for shifting of PRAN from one sector to another sector. The ‘AC-S5’ form can be downloaded from our corporate website https://nps.kfintech.com Please note that the subscriber shifting request cannot be accepted in the KCRA system if PRAN is in deactivate status or any other request is under process for the subscriber.
Procedure to Withdraw from Tier I Account
Subscriber can withdraw the funds from Tier I account in case of following scenario:
- Superannuation/Attaining 60 years of age
- Premature Exit (if subscriber has completed 10 years under NPS)
- Death
- Partial Withdrawal (if subscriber has completed 3 years under NPS)
- Personal Details
- Lump sum % and Annuity % Allocation
- Bank Details & Nomination Details
- Annuity Pension Details
Procedure to Withdraw from Tier II Account
A subscriber having a valid and active Tier-II account of the Permanent Retirement Account can withdraw the accumulated wealth either in full or part, at any time. The subscriber should submit a duly filled Form UOS 12 to his/her POP-SP for doing so. There is no limit on such withdrawals. The form UOS 12 can be downloaded from the CRA website https://nps.kfintech.com.
Status of PRAN Application
KCRA has provided a facility wherein status of the NPS application can be tracked. The tracking is available from the time of submission of form. KCRA issues a unique acknowledgement number for each application that is submitted. With this acknowledgement number, status of the NPS application can be tracked 'whether it has been accepted or rejected'.
After successfully submission of Subscriber Registration Form, PRAN Kit is dispatched to the subscriber’s correspondence address within 3 working days from the date of generation of PRAN in KCRA system. You can also track your PRAN Generation and PRAN Kit dispatch details by visiting our website https://cra.kfintech.com/LimitedAccessView.aspx.
Log Grievance Against NPS Trust
1. For operations related issues like contribution not credited in PRAN,PRAN card not recieved, etc, you may raise the grievance Nodal office/CRA by using "Log Grievance Request" tab. 2. For any policy related issues,you may raise the grievance against NPS Trust using this tab.
Note- Do not raise a new Grievance if you are not satisfied with the resolution provided for your earlier Grievance(raised agaisnt Nodal office/CRA).In such instances, you can escalate the matter with NPS trust by using "Escalation to NPS Trust" tab available in "Grievance Status View"option.
Steps for escalating grievance to NPS-Trust
1.Select "Grievance Status View"
2.Check the resolution remarks provided by the entity
3.Select checkbox for grievance you want to escalate to NPS-Trust
4.Enter the non-satisfactory remarks and click on "Escalate to NPS-Trust" button to submit.
Units will be allotted only after funds are reconciled by bank. Generally, it takes 2-3 days (excluding Saturday, Sunday & Public Holiday) to reconcile the funds by Trustee Bank and provides the confirmation in CRA system.
Units will be allotted only after funds are reconciled by bank. Generally, it takes 2-3 days (excluding Saturday, Sunday & Public Holiday) to reconcile the funds by Trustee Bank and provides the confirmation in CRA system.
Units will be allotted only after funds are reconciled by bank. Generally, it takes 2-3 days (excluding Saturday, Sunday & Public Holiday) to reconcile the funds by Trustee Bank and provides the confirmation in CRA system.
Units will be allotted only after funds are reconciled by bank. Generally, it takes 2-3 days (excluding Saturday, Sunday & Public Holiday) to reconcile the funds by Trustee Bank and provides the confirmation in CRA system.
If subscriber wishes to carry out changes in the PRAN, he/she should fill-up Form S2 and provide the same to its associated Nodal Office (DDO in case of Govt. Sector / POP-SP in case of 'All Citizens' sector/ CBO in case of Corporate Sector).
Form can also be downloaded from our website https://nps.kfintech.com. Subscriber can themselves update their contact details (mobile number & Email ID) by logging in https://nps.kfintech.com using their PRAN and I-PIN.
If subscriber wishes to carry out changes in the PRAN, he/she should fill-up Form S2 and provide the same to its associated Nodal Office (DDO in case of Govt. Sector / POP-SP in case of 'All Citizens' sector/ CBO in case of Corporate Sector).
Form can also be downloaded from our website https://nps.kfintech.com. Subscriber can themselves update their contact details (mobile number & Email ID) by logging in https://nps.kfintech.com using their PRAN and I-PIN.
PRAN Kit is dispatched to the subscriber’s correspondence address within 2 working days from the date of generation of PRAN in KCRA system. You can also track your PRAN Kit dispatch details without login by visiting our website https://cra.kfintech.com/LimitedAccessView.aspx.
You can get in touch with us through chat by visiting our website https://nps.kfintech.com for quick assistance or contact us on 1800 208 1516.
Tier I
- You can download the Statement of Transaction by login into CRA system (https://nps.kfintech.com). Click on menu "Statement" on the left hand side and click on sub menu "Transaction Statement" to download the Statement of Transaction.
- Alternatively, you can call our customer care 1800 208 1516 and request for Statement of Transaction on email.
Tier I
- Application Form: If the PRAN is frozen due to Application not received, Click here to do the eSign. Alternatively, you are requested to submit the physical Subscriber Registration Form to us. Click here to download Auto-populated Subscriber Registration Form.
- KYC Pending: If the PRAN is frozen due to non-verification of KYC details by your Point of Presence (POP), you are requested contact the POP.
- KYC Rejected: If the PRAN is frozen due KYC is rejected by your POP and you wish to change the details provided earlier (Other than Subscriber Name and Date of Birth), please Click here and update the details. Alternatively, you may contact your POP and complete the KYC formalities.
- Employment verification pending: If the PRAN is frozen due to non-verification of employment details by your corporate, please contact your Corporate for the same.
Tier II
- You can download the Statement of Transaction by login into CRA system (https://nps.kfintech.com). Click on menu "Statement" on the left hand side and click on sub menu "Transaction Statement" to download the Statement of Transaction.
- Alternatively, you can call our customer care 1800 208 1516 and request for Statement of Transaction on email.
Tier I & Tier II
- You can download the Statement of Transaction by login into CRA system (https://nps.kfintech.com). Click on menu "Statement" on the left hand side and click on sub menu "Transaction Statement" to download the Statement of Transaction.
- Alternatively, you can call our customer care 1800 208 1516 and request for Statement of Transaction on email.