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What is NPS?

National Pension System (NPS), also referred as New Pension Scheme/National Pension Scheme, is an easily accessible, low cost, tax efficient under (Section 80CCC) & (Section 80CCD), flexible and portable retirement savings account. Under the NPS, the individual contributes to his retirement account and also his employer can also contribute for the social security/welfare of the individual. NPS is designed on defined contribution basis wherein the subscriber contributes to his NPS account and the accumulated wealth depends on the contributions made and the income generated from investment of such wealth. The greater the value of the contribution made, the greater the investment achieved, the longer the term over which the fund accumulates and the lower the charges deducted, the larger would be the eventual benefit of the accumulated pension wealth likely to be. Subscribers have control on the choice of investment made and the fund manager who manages the investments. Subscribers can switch over from one investment option to another or from one fund manager to another subject, of course, to certain regulatory restrictions. NPS, regulated by Pension Fund Regulatory and Development Authority (PFRDA), offers a robust yet transparent platform which allows an individual to do retirement planning in a cost effective way. The National Pension System Trust (NPS Trust) has been set up and constituted for taking care of the assets and funds under the National Pension System (NPS) in the interest of the beneficiaries (subscribers). Under NPS, Tier I is the primary account where you contribute to build a retirement corpus. The NPS architecture also offers you a short-term investment option in form of Tier II account, where you can withdraw your investments at any point of time. There is no separate Annual Maintenance Charge (AMC) for Tier II account. You can also switch funds from Tier II to Tier I account online. Subscriber can open his NPS account online through our website https://enps.karvy.com/Registration/. Alternatively, he can fill NPS Subscriber Registration Form (CSRF 1), along with KYC documents, bank account details, initial contribution (Rs.500 for Tier I account & Rs.1000/- for Tier II account) and the NCIS contribution slip, to the nodal office, i.e., any POP-SP.

Benefits under NPS
Why Karvy CRA?
Use NPS Pension Calculator to find out how much you need to invest by your targeted retirement date. Let's Calculate! click here
Steps to Join
Any individual can open online an Individual Pension Account known as Permanent Retirement Account Number (PRAN) under NPS by using any one of the following options in eNPS:

Option I - PRAN Allotment using Aadhaar authentication
  • You must have an 'Aadhaar Number' (with a mobile number registered with Aadhaar).
  • Your KYC in NPS will be carried out using Aadhaar through One Time Password (OTP) authentication.
  • OTP will be sent to the mobile number registered with the UIDAI.
  • Your demographic details (Name, address etc.) and photo will be fetched from Aadhaar database and populated in the form online.
  • You need to fill up all the mandatory details (Nomination, Scheme Preference etc.) online.
  • You would be required to upload your scanned signature (in *.jpeg/*.jpg format having file size between 10kb - 50kb)
  • In case, you wish to replace the photo fetched from Aadhaar, you may upload a scanned photograph (in *.jpeg/*.jpg format having file size between 10KB - 50KB).
  • You need to make the initial contribution while account opening.. (Minimum amount of ₹ 500 for Tier I and ₹ 1000 for Tier II).
  • You will be routed to the 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.
Option II - PRAN Allotment using PAN and Bank details (KYC verification by Bank)
  • You must have a 'Permanent Account Number' (PAN) and an active Saving / Current account with any of the empanelled Banks (for KYC verification and initial payment through Internet Banking) to compete the registration process using this option. To view the list of empanelled Banks available for registration, click here.
  • You need to fill up all the mandatory details online.
  • You need to upload your scanned photograph and signature in *.jpeg/*.jpg format having file size between 10kb - 50kb.
  • You need to make the initial contribution while account opening. . (Minimum amount of ₹ 500 for Tier I and ₹ 1000 for Tier II).
  • Initial contribution needs to be done through the Internet Banking facility of the Bank selected by you during the online application process. The same Bank will be responsible for your KYC authentication in NPS. Name and address provided during online registration should match with bank records for KYC verification. If there is a mismatch of details, the online application request is liable for rejection. In case of rejection of KYC by the selected Bank, applicant is requested to contact the Bank.
Sending of Application Form to CRA after allotment of PRAN, If not eSigned
  • Select ‘Download & Print’ option in the ‘Print Completed Application Form’ page.
  • You need to take a printout of the form, paste your photograph (please do not sign across the photograph).The photograph should not be stapled or clipped to the form.
  • The form should be sent within 90 days from the date of allotment of PRAN to CRA at the following address or else the PRAN will be 'frozen' temporarily.
Central Recordkeeping Agency (eNPS)
Karvy Computershare Private Limited,
4th Floor, Karvy Selenium Tower B, Plot Nos. 31 & 32
Financial District, Nanakramguda, Serilingampally Mandal
Hyderabad - 500032
Steps to Contribute

All existing Subscribers (registered through both online and offline mode) registered with Karvy-CRA can contribute to their PRAN Tier I & Tier II account using ‘eNPS’. To contribute online, you need to

  • Have an active Tier I / Tier II account.
  • Authenticate your PRAN using the OTP sent to your registered mobile number and e-mail ID.
  • Select the account (Tier-I or Tier-II) and make contributions through your Debit / Credit card or use Internet Banking option of any of the empanelled Banks. To view the list of empanelled Banks available for making contributions, click here.
  • If PRAN was allotted through a Point Of Presence (PoP), PoP Service Charges will be applicable on the contribution amount 0.10% plus applicable GST (subject to minimum of ₹ 10 and maximum of ₹ 10,000 per transaction).
Steps to Activate Tier II A/c

All existing Subscribers (registered through both online and offline mode) associated with Karvy-CRA can activate Tier II account using 'eNPS'. To activate Tier II account online,

  • You must have a 'Permanent Account Number' (PAN).
  • You need to Provide PRAN, Date of Birth and PAN.
  • OTP for the purpose of authentication will be sent to the mobile number registered with the CRA.
  • You need to fill up all the mandatory details (Bank, Nomination, Scheme Preference etc.) online.
  • Upload copy of PRAN Card and copy of cancelled cheque.
  • You need to enter the initial amount for investment (₹ 1000).
  • You will 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.
  • You 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 90 days from the date of activation of Tier II account to CRA at the following address or else the PRAN (Tier II) will be 'frozen' temporarily.
Central Recordkeeping Agency (eNPS)
Karvy Computershare Private Limited,
4th Floor, Karvy Selenium Tower B, Plot Nos. 31 & 32
Financial District, Nanakramguda, Serilingampally Mandal
Hyderabad - 500032
Latest Updates
  • Investment guidelines for NPS Schemes click here
  • Submission of FATCA Self Declaration for PRAN click here
  • To know your balance please give a missed call to 9212993399 through your registered mobile number.