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The contribuions for Tier I account, are deducted from the salary and transferred to the associated POP, by the Corporate Head Office.
Subscribers can also make their contributions to Tier I (additional contribution) or Tier II accounts, by depositing the contribution amount with their associated POP, along with a NCIS (NPS Contribution Instruction Slip), giving details of PRAN
Subscriber can also transfer the contribution online, using the eNPS link- https://enps.karvy.com/
A subscriber is required to make at least one contribution to his/ her Tier I account in each financial year He/ she should contribute minimum contribution of Rs.1000/-per financial year.
. Minimum amount per contribution is Rs.500/-
Minimum contribution of Rs. 250 is required for Tier II account for all subscribers.
The subscriber’s account would be “frozen”, i.e., further transactions will not be allowed in his/her Permanent Retirement Account.
If Tier I account is frozen, Tier II account also automatically stands frozen.
The subscriber needs to submit a duly filled physical request as per the format provided by PFRDA (form S 10-A) to the associated POP-SP and make a payment of minimum contribution of Rs. 500/- together with a penalty of Rs. 100/- The form can be downloaded from the CRA website https://nps.karvy.com/
POP-SP will receive the request for "unfreezing" along with the contribution and penalty and record the details of penalty and contribution in the SCF, to "Unfreeze" the account.
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 and 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 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/Private
Karvy CRA PRA Opening charges Rs 39.36
Annual PRA Maintenance cost per account Rs 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-issue of T-Pin/I-PIN or re-print of PRAN Card etc.
CRA Charges are collected through redemption of units, for individual subscribers. The details of CRA charges including service tax etc., will be made available in the Statement of Account.
The Subscriber can make the following transactions online, from the CRA website, using his I-PIN:
1. Request for Change in Scheme Preference ( only where Some corporate provide the access to their employees for Scheme Change )
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 IPIN.
Subsequent contributions also can be made by the subscriber through eNPS
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