eNPS

eNPS is an online platform to open his/her Individual Pension Account under NPS (Tier-I & Tier-II) and

also can contribute his saving using net banking and debit/credit cards.

Online Subscriber Registration is available for All Citizens, NRI and Corporate sector subscribers

Note:

ü Have Mobile number, email ID and an active Bank account with net Banking facility enabled.

ü Have an Aadhaar (with a mobile number registered with Aadhaar) or a PAN Card.

List of empanelled banks to open NPS account for NET BANKING

eNPS A/C Opening Procedure:

Subscriber can open online NPS account choosing any one of the following alternatives and having net

banking facilities enabled with his/her bankers: -

Registration using Aadhaar card

Registration using PAN card (KYC verification by Bank)

Registration using Aadhaar:

Subscriber must have an 'Aadhaar number' (with a mobile number registered with Aadhaar).

Your KYC in NPS will be done using Aadhaar through One Time Password (OTP) authentication.

OTP for the purpose of authentication will be sent to the mobile number registered with the

Aadhaar.

Your demographic details and photo will be fetched from Aadhaar database and populated in

online form.

You need to fill up all the mandatory details online (Personal, Contact, Bank & Nominee Details)

You would be required to upload your scanned signature (in *.jpeg/*.jpg format having file size

between 4kb - 12kb) as part of the registration process.

In case, you wish to replace the photo obtained from Aadhaar, you may upload a scanned

photograph.

You will be routed to a payment gateway for making the payment towards your NPS account

from Debit/ Credit card or Internet Banking.

All POP charges will not deduct if KYC done via Aadhaar.

Registration using PAN (KYC verification by Bank):

Subscriber must have a 'Permanent Account Number' (PAN).

Your KYC verification will be done by the Bank selected by you during the registration process.

Name and address provided during registration should match with bank records for KYC

verification. If the details don’t match, the request is liable for rejection. In case of rejection of

KYC by the selected Bank, applicant is requested to contact the Bank.

A onetime fee Rs. 125 (plus applicable taxes) will be debited from your Bank account by the

Bank as KYC authentication charges.

You need to fill up all the mandatory details online (Personal, Contact, Bank & Nominee Details)

You need to upload your scanned photograph and signature in *.jpeg/*.jpg format having file

size between 4kb - 12kb.

 You will be routed to a payment gateway for making the payment towards your NPS account

from Internet Banking.

Contribution Amount & Charges for Online Contribution:

For All Citizens Model/Corporate Tier I Tier II

Minimum Contribution at the time of account opening Tier I Rs. 500 Tier II Rs. 1000

Minimum amount per contribution Tier I Rs. 500 Tier II Rs. 250

Minimum amount balance at the end of financial year Rs. 1000

Minimum no. of contributions 1 per year

TAT: After receiving the contribution amount by POP within 3 working days.

After successful payment of initial contribution, a Permanent Retirement Account Number (PRAN) will be allotted to you. After online account opening process is completed,

Option 1 - eSign

For Tier I PRANs generated through Aadhaar, you have option to eSign the document by following the below mentioned steps:

Select 'eSign' option in the eSign / Print & Courier page

OTP for the purpose of authentication will be sent to your mobile number registered with the

Aadhaar

After Authentication of Aadhaar, Registration form will be successfully eSigned

Once a document is eSigned, you need not send the physical copy of form to CRA

eSign charge Rs. 5/- plus service tax

Option 2 - Print and Courier

Select 'Print & Courier' option in the eSign / Print & Courier page

You need to take a printout of the form, paste your photograph (please do not sign across the

photograph) & affix signature

You should sign on the block provided for signature

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

The PRAN Kit containing a PRAN Card, IPIN/TPIN, Subscriber Master Report, Scheme Information

Booklet along with a Welcome Letter will be sent to your registered address.

CRA Address

Central Recordkeeping Agency (eNPS)

NSDL e-Governance Infrastructure Limited,

1st Floor, Times Tower,

Kamala Mills Compound, Senapati Bapat Marg,

Lower Parel, Mumbai - 400 013

Applicable fees/charges levied on NPS Subscribers:

Intermediary Charge head Service Charges For All Citizen/NRI/Corporate

NSDL Karvy

CRA

PRA Opening charges Rs. 40 Rs. 39.36

Annual PRAN Maintenance cost per account Rs. 95 Rs. 57.63

Charge per transaction Rs. 3.75 Rs. 3.36

POP

Initial subscriber registration Rs. 125 Rs. 125

Contribution (Initial as well as subsequent) 0.25% of contribution, Min. Rs 20 Max. Rs 25000

Other Non Financial transactions Charges Rs. 20

Trustee Bank Nil

Custodian Asset Servicing charges 0.0032% of AUM

PF charges Investment Management Fee 0.01% of AUM

NPS Trust Reimbursement of Expenses 0.01% of AUM

*All POP charges will not deduct if KYC done via Aadhaar.

* In case of Government employees, CRA charges are being paid by the respective Governments

TAT For NPS A/C opening (PRAN Kit): 15 Days from the date of Apply

For online contribution register bank details

Sr.No. Bank Name Sr.No. Bank Name

1 Allahabad Bank - Retail 23 Karnataka Bank Ltd

2 Andhra Bank 24 Karur Vysya Bank

3 Andhra Bank - Corporate 25 Kotak Mahindra Bank

4 Bank of India 26 Lakshmi Vilas Bank

5 Bank of Maharashtra 27 Oriental Bank of Commerce

6 Canara Bank 28 Punjab and Maharashtra Co-operative Bank Ltd

7 Catholic Syrian Bank 29 Punjab and Sind Bank

8 City Union Bank 30 Saraswat Bank

9 Corporation Bank 31 South Indian Bank

10 DCB Bank Personal 32 State Bank of Bikaner and Jaipur

11 Dena Bank 33 State Bank of Hyderabad

12 Dhanlaxmi Bank-Corporate 34 State Bank of India

13 Dhanlaxmi Bank-Retail 35 State Bank of Mysore

14 Federal Bank 36 State Bank of Patiala

15 HDFC Retail Bank 37 State Bank of Travancore

16 IDBI Bank-Corporate 38 SVC - Retail

17 IDBI Bank-Retail 39 Syndicate Bank

18 Indian Bank 40 Tamilnad Mercantile Bank

19 IndusInd Bank 41 UCO Bank

20 ING Vysya Bank - now Kotak 42 United Bank of India

21 Jammu and Kashmir Bank 43 Vijaya Bank

22 Janata Sahakari Bank Ltd. Pune 44 YES Bank

To check the status of PRAN application form:

Subscriber Registration Request Status with PRAN/Acknowledgement Number

https://cra-nsdl.com/CRA/subRegReqSts.do

Tracking the dispatch status for PRAN (New Registered PRAN, Re-issued PRAN, Re-issued I-PIN/T-PIN)

https://cra-nsdl.com/CRA/pranCardStatusInput.do

Once the PRAN is generated, an email alert as well as a SMS alert will be sent to the registered email ID and mobile number of the subscriber.