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Units will be allotted only after funds are reconciled by bank. Generally, it takes 1-2 working days by which Trustee Bank reconciles the funds and provides the confirmation
The Nodal Office can remit the subscribers' contributions to their respective Permanent Retirement Accounts as soon as PRAN is allotted to the subscriber.
• Nodal Office is required to upload the Subscriber Contribution File (SCF) in KCRA system by logging into website https://cra.karvy.com using its User ID and I-PIN.
• After SCF is successfully uploaded in KCRA system, status of the SCF will be shown as ‘Accepted’. Nodal Office would be required to transfer funds(matching to the amount uploaded) to the Trustee Bank.
• Once the Trustee Bank provides the fund confirmation in KCRA system, status of the file will be changed to ‘Verified’.
The POP/POP-SP will:
1. Receive contribution from subscribers (only for Tier II - for Government sector) and provide acknowledgement to them.
2. POP will Upload PRAN wise details of contribution (SCF) into the CRA System
3. Remit the contribution funds into the Trustee Bank Account
1. DDOs will deduct subscribers' contributions from their salaries (10% of Basic+DA) -and transfer the same to DTO/PAO.
2. DTO/PAO will upload the contribution details (SCF) in the CRA system and
3. DTO/PAO will remit the contribution funds (matching with the SCF) to the Trustee Bank
All Nodal offices have to mandatorily remit NPS contributions through electronic mode (NEFT/RTGS) only.
The Trustee Bank will receive the funds pertaining to subscribers' contributions from the concerned Nodal office(s) and confirm the same by uploading "Funds Receipt Confirmation (FRC)" in the CRA system.
Once Nodal office successfully uploads the SCF in CRA system, status of the SCF is shown as ‘Verified’. Once Trustee Bank uploads the FRC,
1. The CRA system automatically performs a reconciliation of the SCFs uploaded by the Nodal offices and the FRCs uploaded by the TB on the basis of, Entity Registration number, Transaction ID and amount. If all the above detail matches, the status will be updated as "Reconciled".
2. The transaction will expire automatically if it is not verified i.e., reconciled, even after 12 Working Days.
The Nodal Office and the TB have to identify the reasons for mismatch, for records that are not in “Verified Status”. On identifying the error, either the Nodal office has to upload a correction file or the Trustee Bank should re-upload the FRC with corrected records.
The Nodal office can upload Correction files any number of times, as long as the transaction is not in "verified" status in the CRA system.
Some of the common reasons for mismatch between the 'Amount' in the SCF and in the FRC are:
1. Nodal Office might have missed some records in the Subscriber Contribution File but would have transferred the money for the same to the Trustee Bank.
2. Nodal Office may have transferred excess funds to the Trustee Bank.
3. Nodal Office may report excess amount in the SCF compared to the FRC, due to inclusion of erroneous records in the SCF.
4. Nodal Office might have transferred short amount to the Trustee Bank.
5. Error in Entity ID/Amount/Transaction ID in the FRC uploaded by Trustee Bank.
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