National Pension System (NPS) Services Guide

राष्ट्रीय पेंशन प्रणाली (NPS) से संबंधित सभी सेवाएँ और जानकारी।

National Pension System (NPS) Services Guide

Important Note: Some services on government portals like NPS may require an active login session or may redirect to a specific sub-portal. If you encounter a "Session expired" message or a redirection, please navigate to the main portal first (https://npstrust.org.in/ or https://www.npscra.nsdl.co.in/) and then access the specific service.
महत्वपूर्ण नोट: NPS जैसे सरकारी पोर्टलों पर कुछ सेवाओं के लिए सक्रिय लॉगिन सत्र की आवश्यकता हो सकती है या किसी विशिष्ट उप-पोर्टल पर पुनर्निर्देशित किया जा सकता है। यदि आपको "सत्र समाप्त हो गया है" संदेश मिलता है या कोई पुनर्निर्देशन होता है, तो कृपया पहले मुख्य पोर्टल (https://npstrust.org.in/ या https://www.npscra.nsdl.co.in/) पर जाएँ और फिर विशिष्ट सेवा तक पहुँचें।

Table of Contents

National Pension System (NPS) Services (राष्ट्रीय पेंशन प्रणाली सेवाएँ)

राष्ट्रीय पेंशन प्रणाली (NPS) भारत सरकार द्वारा शुरू की गई एक स्वैच्छिक, परिभाषित योगदान सेवानिवृत्ति बचत योजना है। इसका उद्देश्य सभी भारतीय नागरिकों को उनकी सेवानिवृत्ति के लिए बचत करने में मदद करना है, जिससे उन्हें वृद्धावस्था में वित्तीय सुरक्षा मिल सके।

NPS को पेंशन फंड नियामक और विकास प्राधिकरण (PFRDA) द्वारा विनियमित किया जाता है। यह एक बाजार-लिंक्ड योजना है जो पारदर्शिता, दक्षता और पोर्टेबिलिटी प्रदान करती है।

Types of NPS Accounts (NPS खातों के प्रकार)

Visit Official NPS Trust Website

New Registration (नया पंजीकरण)

NPS में शामिल होने के लिए, आपको एक स्थायी सेवानिवृत्ति खाता संख्या (PRAN) प्राप्त करने के लिए पंजीकरण करना होगा। आप ऑनलाइन (eNPS) या ऑफलाइन (PoP-SP के माध्यम से) पंजीकरण कर सकते हैं।

Step-by-Step Guide for Online Registration (eNPS):

  1. Visit the eNPS portal: https://enps.nsdl.com/eNPS/NationalPensionSystem.html
  2. Click on "Registration" and select "National Pension System".
  3. Choose "Register with Aadhaar" (OTP based KYC) or "Register with PAN" (Bank KYC). Aadhaar based registration is generally faster.
  4. Fill in your personal details, bank details, scheme preferences (Pension Fund Manager, Asset Allocation), and nominee details.
  5. Upload scanned copies of your photograph and signature.
  6. Make your initial contribution online.
  7. eSign the document using Aadhaar OTP or print and courier the form to CRA.
  8. Upon successful completion, your PRAN will be generated.

Register for NPS

Subscriber Login (अंशधारक लॉग इन)

एक बार जब आपका PRAN उत्पन्न हो जाता है, तो आप अपने NPS खाते तक पहुँचने और उसे प्रबंधित करने के लिए लॉग इन कर सकते हैं।

Step-by-Step Guide for Subscriber Login:

  1. Visit the NPS CRA (Central Recordkeeping Agency) login page. Common CRAs are Protean (NSDL) and KFintech.
  2. Enter your Permanent Retirement Account Number (PRAN).
  3. Enter your Password (IPIN). If you are logging in for the first time or forgot your password, use the "Generate/Reset Password" option.
  4. Enter the Captcha code.
  5. Click "Submit" or "Login" to access your NPS dashboard.

Login to NPS (Protean CRA)

Online Contribution (ऑनलाइन अंशदान)

आप अपने NPS खाते में कभी भी ऑनलाइन अंशदान कर सकते हैं।

Step-by-Step Guide for Online Contribution:

  1. Visit the eNPS contribution page: https://enps.nsdl.com/eNPS/MakeOnlineContribution.html
  2. Select "Contribution" and choose your account type (Tier I or Tier II).
  3. Enter your PRAN and Date of Birth.
  4. Verify your PRAN using OTP sent to your registered mobile/email.
  5. Enter the contribution amount.
  6. Select your preferred payment mode (Net Banking, Debit Card, UPI). Credit Card is generally not permitted for Tier II.
  7. Complete the payment through the payment gateway.
  8. A confirmation will be displayed, and units will be credited to your PRAN account usually within T+2 working days.

Make Online Contribution

Withdrawal Process (निकासी प्रक्रिया)

NPS से निकासी के नियम आपकी आयु और निकासी के प्रकार (सेवानिवृत्ति, समय से पहले, आंशिक) के आधार पर भिन्न होते हैं।

Types of Withdrawals:

General Steps for Online Withdrawal:

  1. Login to your CRA account (Protean or KFintech).
  2. Navigate to the "Withdrawal" section.
  3. Select the type of withdrawal you wish to initiate.
  4. Fill in the online withdrawal form with required details and upload necessary documents (e.g., identity proof, address proof, bank details, specific documents for partial withdrawal reasons).
  5. Submit the request. The request will be processed, and funds will be transferred to your registered bank account.

Learn More About NPS Withdrawal

Grievance Redressal (शिकायत निवारण)

यदि आपको NPS सेवाओं से संबंधित कोई शिकायत या प्रश्न है, तो आप शिकायत दर्ज कर सकते हैं।

How to Lodge a Grievance:

  1. Online through CRA Portal:
    • Login to your respective CRA (Protean/KFintech) subscriber account.
    • Look for a "Grievance" or "Query/Grievance" section on your dashboard.
    • Lodge your complaint using the Central Grievance Management System (CGMS) portal. A token number will be generated for tracking.
  2. Through NPS Trust:
  3. Offline: You can also visit your nearest Point of Presence - Service Provider (PoP-SP) to lodge a grievance offline.

Lodge a Grievance

Important Documents (महत्वपूर्ण दस्तावेज़)

NPS पंजीकरण और विभिन्न सेवाओं के लिए कुछ सामान्य दस्तावेज़ों की आवश्यकता होती है:

View Required Documents

Frequently Asked Questions (FAQs)

Q1: What is NPS and who can join it?
NPS (National Pension System) is a voluntary, market-linked retirement savings scheme regulated by PFRDA. Any Indian citizen (resident or non-resident) aged between 18-70 years can join NPS.
Q2: What is the difference between Tier I and Tier II accounts?
Tier I is a mandatory pension account with tax benefits and restricted withdrawals. Tier II is an optional savings account offering flexibility in withdrawals but no tax benefits on contributions. A Tier I account is a prerequisite for opening a Tier II account.
Q3: How can I make contributions to my NPS account?
You can make online contributions through the eNPS portal using Net Banking, Debit Card, or UPI. Offline contributions can be made through Point of Presence - Service Providers (PoP-SPs).
Q4: What happens if I don't make the minimum contribution to my Tier I account?
If the minimum annual contribution (currently ₹1,000) is not made to your Tier I account, the account will be 'frozen'. To unfreeze it, you need to pay a penalty along with the minimum contribution.
Q5: Can I withdraw the entire amount from NPS at retirement?
Upon superannuation (age 60), you can withdraw up to 60% of your accumulated corpus as a lump sum (tax-exempt). The remaining 40% must be used to purchase an annuity plan from an Annuity Service Provider (ASP) for a regular pension. Full withdrawal is allowed only if the total corpus is below a certain threshold (currently ₹5 lakh).

For more detailed information and assistance, please visit the official National Pension System portals.