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1. Subscribers can make their contributions to Tier I or Tier II accounts, by depositing the contribution amount with their associated POP-SP, along with a NCIS (NPS Contribution Instruction Slip), giving details of PRAN.
2. Subscriber can also transfer the contribution online, through the eNPS website- https://enps.karvy.com.
The contributions received for a subscriber are invested in the Pension Funds selected by him/her.
Active Choice: In case the subscriber chooses “Active choice” investment option and indicates the percentage mix of investment across different categories – (E, C, G & A), the contributions are invested in the same ratio/percentage. However, due to changes in NAV for each category, the value of pension wealth may not be in the same percentage. Therefore, at the end of every year, the asset allocation percentages are calculated on the pension wealth as on date and units are purchased/redeemed in each category, so that the selected percentage share is maintained.
Auto Choice: Rebalancing is also done for “Auto Choice” Investment Option, to comply with the changes in asset allocation percentages applicable to the subscriber, with the change in his/her age every year.
Below are the applicable fees and charges levied on NPS Subscribers
Intermediary Charge head Service Charges
Karvy CRA PRA Opening charges Rs 39.36
Annual PRA Maintenance cost per account PRs 57.63
Charge per transaction Rs 3.36
POP Initial subscriber registration Rs 200
Initial Contribution/Subsequent Contribution 0.25% of contribution (Min. Rs 20 Max. Rs 25000)
All Non-Financial Transactions Rs 20
Persistency Rs 50 p.a
e-NPS (for subsequent contribution) 0.10% of the contribution (Minimum Rs. 10 & Max Rs. 10,000)
Custodian Asset Servicing charges 0.0032% p.a for Electronic segment & Physical segment
PF charges Investment Management Fee 0.01% p.a.
NPST Reimbursement of Expenses 0.005% p.a
CRA’s charges would include the charges levied by the CRA for opening NPS account, annual maintenance of the account, processing contribution, change requests, withdrawal requests, sending Statement of Account and other requests like re-print of PRAN card etc.
If the Corporate has agreed to bear the charges, invoice billing is raised against the Corporate. If the subscribers are bearing the charges, CRA Charges are collected through redemption of units.
The Subscriber can make the following transactions online, from the CRA website, using his I-PIN: 1. Request for Change in Scheme Preference
2. Update Address (using Aadhaar number)
3. Update email ID/mobile number
4. View Account details or request for Statement of Account.
In addition, the subscriber may also raise a request for resetting I-PIN.
Subsequent contributions also can be made by the subscriber through eNPS.
The POP will levy charges as per applicable rates, for all payments/transactions routed through them. The subscriber may contact the POP for details of such charges.
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