You recently quit your Government job. While in your job, you had to make mandatory contributions to your NPS account. Everything was on auto-pilot mode. Now that you have quit your job, you do not know how to make further contributions to NPS. Earlier, the contributions were automatic. Now you need to figure out a way to continue contributions.
If you can’t figure out an easy way to access and make contributions to your NPS account, you will rather exit your NPS account.
In this post, I will discuss the way to continue (shift) your NPS account in such cases. In a subsequent post, I will discuss the steps you need to take if you want to exit NPS.
Before I move on to the process to shift NPS account, let’s discuss a few things about NPS.
You can check your NPS account details online
If you are a NPS Subscriber, you can register on CRA website (https://cra-nsdl.com/) using your PRAN (Permanent Retirement Account Number).
You merely need to enter a few details and you will get an OTP to register your password.
Even those who opened their accounts in offline mode can register on this portal.
Hence, Central/State Government employees, corporate subscribers or those who opened their NPS through banks or any PoP (Point of Presence) or PoP-SP (Point of presence –Service Provider) can register on this portal and view their NPS account details.
eNPS (CRA website) lets you make contributions online, view your holdings and even place withdrawal/exit request online. By making contribution through eNPS portal, you can save various NPS charges.
NPS account is portable. You do not have to quit NPS.
Many subscribers who consider quitting NPS are those who are changing jobs. They do not want to go through the hassle of shifting NPS from one employer to the other. Sometimes, the old employer offers NPS while the new employer does not.
A few are quitting jobs to join higher studies or shift abroad or simply quitting employment.
Whatever your reason may be, you do not have to quit NPS when you quit your job or shift to an employer which does not offer NPS.
You can continue the account with own contributions. The only difference will be that your employer will not make any further contribution.
PFRDA recently reduced mandatory annual contribution to NPS from Rs 6,000 per annum to Rs 1,000 per annum in Tier-I NPS Account. You can read PFRDA circular here.
Hence, you merely need to make contribution of Rs 1,000 to keep your NPS account active. Don’t rush to close your NPS account.
NPS is meant for your retirement savings. You shouldn’t withdraw from it unless in cases of emergency. Whether you should invest in NPS in the first place is a different question altogether.
PRAN is completely portable. You can use the same PRAN across different Government departments, state governments, employers or even after quitting job. So, you can open account as Central Government Employee but continue under All Citizens model after quitting your Government job.
You can have just 1 PRAN. To put it in a different way, you cannot have two Tier-I NPS accounts. If you are switching employers and both employers offer NPS, you must transfer your NPS account from old to the new employer. You cannot open a second NPS account (till such time your first NPS account is open).
Book Suggestion: Rich Dad, Poor Dad (Robert T. Kiyosaki)
How to shift your NPS account?
Let’s consider an example. You are a Central Government. You quit your job and start your own business. How do you shift from Government NPS to All Citizens NPS? Here are the steps.
- Download the Form for subscriber shifting (Form ISS-1) from CRA website.
- Visit the nearest PoP or PoP-SP. Submit the duly completed form with requisite documents to the target PoP-SP.
- You can make subsequent contributions through PoP/PoP-SP or eNPS.
When is Form ISS-1 applicable?
Form ISS-1 applicable when you are shifting your NPS account across sectors (Central Government, State Government, All Citizens Model and Corporate Sector).
- Shifting from Central Government to All Citizens model or vice versa.
- Shifting from one State Government to another State Government.
- Shifting from State Government to Central Government or vice versa.
- Shifting from Corporate Sector to any other sector (Central or State Governments or All Citizens model) or vice versa.
When you are shifting to Government NPS, you will have the Form to Nodal office (typically accounts section in your office).
However, there are other scenarios which, though not as important, can require you to shift NPS account. Let’s consider such scenarios.
Within Central Government Offices
You need to intimate your office (new) about your PRAN. There is no need to fill in Form ISS-1. The new office will facilitate everything. Hence, there is not much you have to do.
Changing PoP/PoP-SP under All Citizens Model
You need to submit duly completed Annexure-UOS-S6 along with a copy of your PRAN card to the target PoP-SP.
ICICI Bank is a PoP while its branches are PoP-SP.
If you need to shift within PoP (you want to change only PoP-SP), you need to submit UOS-S5 at the target PoP-SP.
So, if you need to change your PoP from ICICI Bank to SBI, you need to submit UOS-S6.
If you want to change PoP-SP to a different branch of ICICI Bank, you need to submit UOS-S5.
Can I shift my NPS account to eNPS?
Yes, it has been allowed now. However, as I understand it is permitted only if your account is opened under All Citizens model.
For this, you need to log in to eNPS portal and click on the Shift to eNPS under Transactions tab. You can read more about this here.
However, as I understand it is permitted only if your account is opened under All Citizens model i.e.the functionality has been enabled for changing PoP (and not exactly for shifting across NPS sectors).
Unfortunately, you cannot port your NPS account to eNPS i.e. eNPS cannot be your target PoP when you are shifting. You must open account using eNPS portal for it to be your PoP.
To give an example, I opened an NPS account (Yes, I did!!!) through eNPS portal using my Aadhaar card. When I logged into CRA portal (https://cra-nsdl.com/), I could check my registration details. (eNPS PoP: 5000682 PoP-SP: 6396950). I am not sure if you can use these details in Form ISS-I (in case you are shifting from corporate and Government sectors). Didn’t get a clear answer from CRA (NSDL).
However, as mentioned before, you can still register on CRA website (after shifting account to PoP) and make online contributions.
Read: How to invest in NPS online?
Additional Links
- NPS Subscriber Forms
- NPS FAQs on Subscriber Shifting
- Book Suggestion: You can be Rich too: With Goal Based Investing (P.V.Subramanyam, M.Pattabiraman)
414 thoughts on “How to shift NPS Account?”
Thanks Deepesh for yet another informative article!!
I have a querry! I opened an eNPS account. Later I joined a corporate job. Will I need to fill ISS-1 to transfer my eNPS account too?
You are welcome Ashish!!!
As I understand, you opened NPS account under eNPS.
1. Does your employer offer NPS? If it does not, you don’t have to do anything.
2. Does it offer both EPF and NPS? If it offers both, join EPF (and not NPS). You can contribute to NPS on own through eNPS.
3. If the employer offers only NPS, then you have to shift to employer. I think you will have to submit Form ISS-1 to your employer. Your accounts team will have a well defined process to do that. Check with them too.
I have opened e- NPS tier-1 using pancard details can I change it to tier-1 enps adhar based to avoid pop charges
Dear Subramanyam,
I don’t think this can be done. You can check with NSDL CRA.
Hi Deepesh, can you guide me. I worjed with govt. Bank for few years.. And now I am leaving abroad. Can you tell me how can I close this nps account.
Hi Savleen,
Please go through the following post.
https://www.personalfinanceplan.in/opinion/how-to-exit-nps/
now you can
To avoid charges use d remit facility
Sir.,
i want to change my regustered account number.. Previously i had SBI now i want to register my BOB account for NPS deductions..
how can i change
You will have to fill Form S2 and submit to PoP-SP.
https://www.npscra.nsdl.co.in/download/government-sector/central-government/forms/S2_Subscriber-detail-change-request-form.pdf
Sir, I was a railway employee. After 10 years of job,I resigen from job for my physical impairment.
Can I continue my NPS ?what is the process convert it a private (all people) NPS? how can contribute fund?
I hv self opened e-nps account and my organisation operating my second nps account.
How Can I shift to my self opened NPS account to my second nps account operated by my company.
Sir . how can I link pran no. with employee code
How did you open your NPS account?
Sir,
I am a government employee and i have an NPS account from 2014 to 2016,. in 2016, i resigned my job and i joined in another job which providing EPF account. so, now i want close my account and withdraw my amount.
please provide valuable information..
Hello,
Your above post was helpful. You have mentioned a scenario where old employer had NPS but new employer doesnt. My question is how to continue contributing to my NPS account (opened with my old employer) even now. Both companies were in the private sector.
My previous employer had NPS and i made subscriptions through my payroll. More recently, i changed my jobs and my new employer has not subscribed to NPS
How do i continue to contribute to my NPS account. Earlier it was an auto debit through my payroll, i want to continue either similarly through a payroll level swipe or if thats not possible then automatically contribute to the NPS account through NEFT using a standing instruction.
Could you please advise.
Dear Vipul,
As I understand, you have two options.
1. You can submit Form ISS-1 to nearest PoP/PoP-SP and shift to All Citizens model. Subsequently, you can make contributions through PoP or online from CRA website (after registering).
2. You can register on CRA website and make contributions online.
First approach is better since you will be shifting to All Citizens model with no involvement from employer.
Auto-debit from payroll won’t be possible. Am not sure if you can give standing instructions for NPS investment (atleast as of now).
dear sir. after a long eye, i caught the spring field via your post. thanks for posted. i have a doubt. previously am workings in central govt sector and i owned my pran a/c for this.. later am quit my job and join to another job in state govt sector(T.N state) and once after a new cps a/c opened in the current scenario. now i want to shift or merge my old pran to new one. i want to take this two different into single roof.(NPS TO CPS) may you pls guide a proper solution in this regarding.
kaleeswaran
Dear Kaleeswaran,
I am not sure if CPS you are talking about is NPS or not.
I say this because you cannot have PRAN (two tier-I NPS accounts).
If two PRANs have been opened, you must contact NSDL CRA and explain your case.
As I understand, only CRA can help in this matter.
IF CPS is different from NPS, then there is no question of merging. You can’t merge the two.
Sir
i wanna know abt tier11 account of nps Can u Please give me details regarding to this matter
Dear Shemin,
Suggest you go through the following post.
http://www.personalfinanceplan.in/opinion/should-you-invest-in-nps-tier-ii-account/
I regin job after 2 year i got new job my old nps continue?
You can continue the old account.
Dear Deepesh Sir
I have a pran account under the “all citizrn of india” model.
Now i have joined a job under state govt of odisha.
do i need to open a new pran account or can i use the existing one and how ?
thanxs and regards.
Dear Nishant,
You cannot open a new NPS account (new PRAN)
You will have to shift/transfer NPS account to the State employer.
Again, you have to submit Form-ISS1 to the concerned team in your office.
Talk to the concerned department in your office. They will guide you.
Nice post Deepesh….
I have Query.. I have open eNPS and now join corporate job and migrated the account by filling Form ISI-1…but if i will quit the job in future and would like to migrate the account ot e-NPS is it possible?
Thanks Patil!!!
Not possible to shift to eNPS at the moment. I checked this with CRA about a month back.
But I guess this is a minor technology issue.
Should be permitted in due time.
Iam state govt.employee,Iam transfered from one office to another of the samedepartment.How can I shift my NPS to new office?
As I understand, you are shifting to another office of the same state department.
Don’t think you need to do anything.
To be sure. check this with accounts team of the new office.
Hello Sir,
I had worked with central govt. for 2 years and also made contribution through NPS.But last year I got a job in my home state govt. then I joined there but I was not aware of Nps account transfer, so, I opened another NPS account and now I have two accounts . Kindly , let me know whether I can merge these two into the one account which is presently operating..
Please advise..
There is no defined solution for such things. Suggest you contact NSDL CRA. They will provide the solution and help with the merging of accounts.
Dear Sir/Madam,
I have joined in Central Government service(i.e. in Central Water Commission as Junior Engineer) on 01.08.2014 and entered into NPS a/c (My PRAN No.110054069688). then, I have given resignation on 08.03.2016.
After that, I have joined in State Government (Government of Tamil Nadu) on 11.03.2016 and entered into CPS a/c (which is being maintained by State Government).
It is learnt that,
1) Converting / transferring the NPS account (Central Government) into CPS
account (State Government) is not possible.
2) withdrawing 100% of NPS amount is not possible (in case of Pre-mature exit).
In this regard I have following queries:
1) Is there any other possible way to get my full NPS a/c amount (as a special case) by mentioning that, I am presently working in State Government and having (state government’s) CPS a/c and there is no need to continue in (Central government’s) NPS a/c.
2) what is the procedure to withdraw my full NPS amount.
3) what are the forms to be submitted by my side (kindly attach the same)
Please give suggestions/guidance to the above .
1. You will have to contact PFRDA to make any special relaxations. Btw, you can continue your NPS account by transferring it to all citizens model and make further contributions.
2. If you exit NPS before superannuation, you cannot withdraw the entire NPS account. You will have to utilize 80% of the corpus to purchase an annuity plans.
Suggest you go through the following post.
http://www.personalfinanceplan.in/opinion/how-to-exit-nps/
Dear Sir/Madam,
I have joined in Central Government service(i.e. in Central Water Commission as Junior Engineer) on 01.08.2014 and entered into NPS a/c. then, I have given resignation on 08.03.2016.
After that, I have joined in State Government (Government of Tamil Nadu) on 11.03.2016 and entered into CPS a/c (which is being maintained by State Government).
It is learnt that,
1) Converting / transferring the NPS account (Central Government) into CPS
account (State Government) is not possible.
2) withdrawing 100% of NPS amount is not possible (in case of Pre-mature exit).
In this regard I have following queries:
1) Is there any other possible way to get my full NPS a/c amount (as a special case) by mentioning that, I am presently working in State Government and having (state government’s) CPS a/c and there is no need to continue in (Central government’s) NPS a/c.
2) what is the procedure to withdraw my full NPS amount.
3) what are the forms to be submitted by my side (kindly attach the same)
Please give suggestions/guidance to the above .
I was working in lakshmi vilas bank and had total.contribution of 12000 but after getting job in syndicate bank my nps account was transfered 2 days before to syndicate bank but in nps app my contribution is showing Rs 0 .I am shoked why my Rs 12000 not showing.
Must be a technical glitch. Perhaps, transfer internally takes some time. Should get sorted out soon.
Contact NSDL CRA if your corpus does not reflect after a few weeks.
I seen the transaction detail it was written that to account withdrawal for subscribers shifting…what does that mean?
For subscriber shifting. The amount should reflect soon with your NPS account through Syndicate bank.
If it doesn’t contact NSDL CRA.
Dear sir,
I was working in a central government and opened a PRAN account.Now i quit the job and joined another central government job but my new employer don’t know about the previous one.Should i open a new NPS account or shift the previous one.
Pls guide.
Is It optional to join NPS in central government?
Thanks In Advance.
Dear Deepak,
I have got such a question many times. Why can’t you disclose that you were previously employed with Central Government?
Shift the previous one.
Don’t think it is optional.
There is a process of taking NOC from current employer for appearing in other competitive exams,which is lengthy and sometimes seniors dont allow to appear.
Somehow i appeared and got selected please suggest wt is the best action to take.should i fill form for new NPS account(as i have heared that many people hv more than one NPS account)? or should i continue with my old NPS account ?will it create any problems in working with new employer.
Pls suggest sir.
Thanks In Advance
Hmmm. Got your point.
You can’t have two NPS Tier-I accounts. That’s the rule.
Not in a position to comment anything beyond that.
Mr Deepak, I am also in same situation. I have thought about changing my NPS account to All Citizens Model first. And then I can disclose to the next employer.
I am also in same situation. What was the final solution. Please tell.
I am also in the same boat.pl suggest what you did then.
Hi Bro, Did you get any solution?
Urgent
Previously I am working in railway, from 2014 to 2016, open nps account , my total contribution is 60 k , now I left my job , and join new central government job which is an autonomous body,my present employer don’t know about my previous job as I, don’t get noc from my previous job , so I can’t inform them, now how can I maintain my nps??????
Dear Prabhat,
This question has been asked many times before on this forum.
I don’t have answer to this question. Contact CRA in that case.
You can contact me .we can diacuss this thing.please inbox ur number.
9559348531is my mo no . I want to contact Mr rajan
9559348531is my mo no . I want to contact Mr rajan please immediately
9757104128,please prabhat contact me its my number im also having the same problem .please
My contact no is 9873981445 and I have same problem, pls solve this issue
Hi anjana . I’m anticipating the same problem. Need help, can i call you if your problem is solved? Please reply
Koi solutions mila NPS ka???
Hello,
I am working on corporate and shfting company, next company does not have option for NPS, now if i continue and add amount myself, its not 50k but 10% of my basic which emoloyer contributes, will i get tax benifits ?
Thanks,
hello ranjan.. can you plz send your no. on sheikh.kaur@gmail.com plz.i cant share my number here.
Sir my problem is same.please help me at grajesh440@gmail.com
Any solution?
I m having the same problem. Please guide me. I m very much tensed. Please help me.
Anant Tiwari ji koi solution mila kya?
Hello everyone, I am working in central govt with PRAN no. is generated. Now I have been selected in another central govt, and I want to switch to my new job.
But I didn’t inform the previous employer, and I want to join new employer.
So, what I do? I am intense.
Please give me a solution.
Hi Ranjan.pls tell me the solution I am having same problem.
Hi prabhat,
You help is required.i m also having same situation.please give me ur contact details.
Thanks.
Prabhat bhai koi solution mila? Pls tell me
I joined nps and got pop as 5000682 and pop sp 6396950 .
Now attaining age of 60 . I have generated form 301 of withdrawal . Where I have to submit this and who will sign as POP . My employer do not use nps . I joined as individual on enps portal.
Dear Arun,
Suggest you go through the following post.
http://www.personalfinanceplan.in/opinion/how-to-exit-nps/
I have completed online formalities to exit from enps after CRA generated exit claim for my account and generated form 301 as per process guidelines . Acknowledgement number is also generated .
The issue is who will sign my form as POP or POP Sp as the POP is 5000682 and POP SP is 639650 both are physically do not exist .
Hmmm.Please drop an e-mail to epns[AT]nsdl.co.in.
Alternatively, you can seek clarification on NSDL CRA website by raising a request.
Hi Deepesh,
My wife has given resignation from State Government on 22-4-2016 now she is house wife and Her office has opened NPS account and received PRAN KIT, now what should be the best option withdrawn or to continue with All Citizen model? total corpus is more than 1 Lakh, If I want to continue as All citizen model and contribute 1000 monthly then what are the steps to be taken for shifting? Is it possible to contribute online without any POP?
Hi Rakesh,
Follow the process as described in the post. Contact then nearest bank branch that acts as NPS-PoP.
Minimum contribution is RS 1000 per annum.
Your wife can contribute online. However, your wife cannot continue under Government NPS because she is no longer a Goverment employee.
Hi Deepesh,
I was central govt employee. I had NPS Account. After leaving my job and joining private sector gov, I haven’t done anything to that account, not transferred to All Citizen Account. Still I am contributing online annually. Is it necessary to transfer my account to All citizen? Please advice me on this.
Thank you,
Dhaval
Hi Dhaval,
Not very sure about it.
I think you can keep contributing on own and there wouldn’t be any issues.
However, you need to understand that investment guidelines are different for Government and All Citizens model.
For instance, at the moment, equity exposure can’t exceed 15% in Government NPS.
If you are ok with that, you can continue.
To avoid any confusion, I suggest you check this with NSDL CRA.
Deepesh, Thank you so much for your reply. I will check with NSDL CRA.
Sir Can a govt employee transfer his NPS tier one account to all cetizen model after quitting job.?What’s the procedure ? Does it require approval of present employer?
Sir I have some doubt regarding my nps accounts
earlear I was working under state govt for one and a half year, later I quit that job. During my job in state govt I have opened my nps account and contribution was regular.as I quit that job and joined SBI, here one more nps account is been opened and it is regular now. Recently i have lost my both the PRAN cards.
Now my question is could I get duplicate pran cards for both the accounts.what is the procedure. and one more thing could I merge my old NPS account into new account. what is the procedure or could I withdrawl my old NPS ammount, and which is beneficiary. plz guide me sir.
To be honest, I don’t know how to get around it. You are not supposed to have two CRAs.
Please contact NSDL CRA.
You shouldn’t have had two NPS accounts in the first place.
Sir your mobile number plg
Sir your mobile number
hello deepesh,
i have a query regarding nps sector shifting. i was working with a nationalised bank previously and now after resigning from the bank i have started my own business. how do i convert from corporate to all citizen model and do i need some attestation from the previous employer?? i was working in a different state and it is really far away from my home. do reply plz.
I have an NPS account when I was in central Govt job. Now I quit my previous job and join a private job in which the employer is not registered to NPS. How can I continue my investment in NPS and How to convert it to all citizen mode ?
The procedure is defined in the post.
Go to any Bank which acts as Point of presence (PoP) for NPS and submit the form there.
Sir I am join in railway group d post 2013 and I am reign my job Dec 2016 and I am join in Delhi govt job as LDC how shift my NPS but I am did no give any information my current office for last job
Procedure to switch is defined in the post.
However, in your case, you have not disclosed about your old employer to the new employer.
I am not sure how this will work.
Contact NSDL CRA.
Hello
Y kumar koi solution mila kya?
While transferring my NPS account to all citizen mode is it mandatory to inform my previous employer as my new employer does not have NPS? My New employer offers GPF with Family pension (state Govt Of West Bengal),is there any problem for continuous investment in NPS?
I don’t think so.
Respected Sir, Namskaar
I’m a govt. employee in Punjab from 21/09/2016. I applied in eNPS and unfortunately got my PRAN for “All Citizen model” . Now they want me to send the hard copy of form within 90 days.
Now , should i shift my PRAN to state govt through form iss1 ?
is there any difference in nps and eNPS ?
Dear Hemant,
If you apply through eNPS, your NPS account will be opened under All Citizens model only.
I am a state govt employee of West Bengal. My age is 40. I will get pension from govt . can I open a NPS account in all citizen mode?
Dear Sanjit,
If you do not already have a NPS account, you can open a new account.
Your working with state Government does not bar you from opening NPS account under All Citizens mode.
The only limitation is that you can’t have two NPS accounts.
Hi dipeesh, i was a central govt employee from 2012 to 2015 in delhi,and i resigned from the service in feb 2015,now i am running my own business I had tried several times to port my tier two nps account to all citizen of india cadre by submitting so called iss1 and uos-s5 and s6 in different pop sp and pop’s like sbi ,fedral bank ,bank of baroda and so on,and all of the banks are accepting the application forms, but none of the bank official is aware of the procedures to port the same,(their version is that they are facing this type of cadre tranfer for the first time in their life)especially in my home town..please suggest me to whom should i complain to for this matter.i belong to thrissur district of kerala state.please help me out
Hi Thomas,
In that case, you can contact NSDL CRA.
You can also drop complaint to PFRDA.
i was a state govt employee in 2010-2011… i hav contributed to NPS for a period of one year… i resigned yhe job.. I did not contribute to nps after dat.. now i want to continue.. plase suggest
You can shift account under All Citizens model and contribute.
I am a state. Govt employee. But before that i have already registered with NPS and have a pran no. Now the question is how could i shift my personal pran no into govt contribution pran???
You have two PRAN at the moment? or you just have 1 personal (all citizen PRAN) and merely want to shift to Govt model?
I have only one personal (all citizen PRAN) no. Now my problem is how i will change/ shift to state govt model??
Sir one request for clear clarification you may call @9437094004
Dear Basanta,
The process is described in the post. Beyond that, you will figure out the way.
Hi deepesh, me a state govt employee from westbengal being unknown about whether my employer support nps or not open a enps with my aadhar to have 50000 additional tax benifit.
But now worried about whether it will suffer me to get gpf with family pension. Also think am I able to get the tax benifit right now.
Hi Manas,
Opening a NPS account does not compromise GPF.
Thanks it will not interfer my future pension then.
But being a employer (govt aided school teacher) from west bengal am I able to get 50000 additional tax benifit straight way right now or the 80CCD (2) Section is only available for central government employees ?
Benefit under Section 80CCD(2) is for employer contribution to NPS and is not just limited to central government employes.
Sorry deepesh cant get you this time, being a west bengal state govt employee can I get the 50000 aditional tax benifit above 1.5 Lack on 80C. What are the document I may placed to provide if it becomes necessary to claim that.
Help me please. .
Manas
Hi Manas,
If you are NOT already contributing to NPS, you can get an additional tax benefit by investing Rs 50,000 in NPS. The benefit is under Section 80CCD(1B) and not 80CCD(2).
Sorry I can’t get you this time, being a west bengal state govt employee, am I eligible for additional 50000 tax benefit above 1.5L 80C.
And if I am eligible is there any documentary proof regarding ?
Please help us..
Manas
Manas,
Your investment is the proof. You can submit transaction statement if required.
Can I open APY along with that with out generating a second pran no ?
You have NPS account?
To open APY account, you need to meet certain requirements.
Sir मेरा apy चल रहा है मैं उसी pran no पर nps tier 1 account खोलना चाहता हूं क्या यह possible है
Hi sir can u tell me to shift from citizen model pran to state govt model pran..what types of documents and forms needed…and what are the procedure for it…
As per your suggestion I have applied to transfer my NPS from Central govt to All citizen mode to the pop SP ( UTI Asset management). But they are saying that NPS can not be transfered from Central govt to all citizen mode. Now what can I do? Please suggest . can you give me the mail ID of Nsdl.?
It can be transferred.
https://npscra.nsdl.co.in/contact-us.php
Thank you. But they have deducted ₹-23 from my account. When I ask them they say this is processing fee. Is there any oother way to transfer that. Ihave to physically visit the branch or by call I can complain to the Nsdl?
So, they are transferring your account from Govt. model to All Citizens model?
No
They are saying that they have requested to transfer pop
Hi Deepesh
I have a APY account and NPS account. I want to merge both PRAN to be one. Can it be possible?
Not sure. Please contact PFRDA or NSDL CRA.
Sir,
I was working with a public sector bank,but I hav resined from the bank service 1 year back, since then nil contribution was there. recently I have received an email warning me that my pran ac will be frozen if I will not contribute the minimum contribution in this FY. For this reason I hav installed the NPS app and contribute the minimum amount stipulated by NSDL without shifting my account from corporate to all India citizen. Now I have a question to you whether my contribution is valid or not without shifting? Please reply sir.
In my opinion, your contribution is valid. Don’t worry much about that.
Transfer your account under all citizens model when you get time.
Sir pls tell what other documents are to be attached along with iss form for department change
Dear Gurpreet,
The form shall have all the details. In case of any query, contact NSDL CRA.
Hi Deepesh,
I have opened NPS account as All Citizens model. Contributing towards it for additional Rs.50000 under NPS – section 80CCD (1B). Want to contribute further under 80CCD(2) by company ( This is recently introduced in my company). For which company is asking to submit PRAN to convert the existing NPS account to Company Corporate model NPS account in order to deposit amount. My question is after the converting All Citizens model NPS account to Corporate model NPS account , can i contribute additional Rs.50000 under section 80CCD (1B) from eNPS portal?
Hi Vicky,
You can do that.
Thank you, Deepesh!
Mr. Deepesh,
I have opened an eNPS account and in future, if i like convert eNPS to bank through transaction(POP), what would be the correct Form.
Is contribution through POP is better or eNPS is the best option? If eNPS, upon maturity whom should be contacted for withdrawal and pension….
Hi Srini,
Unfortunately, you can switch to eNPS. This was the status when I checked with NSDL 5-6 month back.
You can check with them again. Hopefully, it is possible now.
eNPS has low costs because there is no intermediary. That’s the only different.
You can do that online. You can contact NSDL in case of any issues.
I was working in a central government and opened a PRAN account.Now i quit the job and joined another central government job but my new employer don’t know about the previous one.Should i open a new NPS account or shift the previous one.
There is a process of taking NOC from current employer for appearing in other competitive exams,which is lengthy and sometimes seniors dont allow to appear.
Somehow i appeared and got selected please suggest wt is the best action to take.should i fill form for new NPS account(as i have heared that many people hv more than one NPS account)? or should i continue with my old NPS account ?will it create any problems in working with new employer.
Hi Vasanth,
You can’t hold two NPS Tier I account.
Continue with the older one.
vasanth , what you have decided now ?
have u told your new employer about old pran card ?
Hi vivek, please tell what you did in this situation? I am also planning to switch to another government job, however don’t want to tell new employer about previous office due to NOC problem.Thanks and Regards, Keshav
What u do plz tell me i have the same problem
Hi Vasanth, please tell what you did in this situation? I am also planning to switch to another government job, however don’t want to tell new employer about previous office due to NOC problem.Thanks and Regards, Keshav
Is your problem solved?
If so please tell me.
Even I am facing same problem. Confused what step is to be taken.
What was the solution?
Hello sir
I had genrated epran online by clicking on esign option of paperless.
Should i have to send it thru courier now.
And ialso in form iss1 …. in Pran existing association what we have to write in a and b
6396950 and enps online is correct.
Hi Anish,
Yes, send the documents through courier.
ISS! is for shifting of accounts, why you want to fill that form?
Sir i my nps account is linked with sbi..i want to change it to PNB account.hw cn i do it??
You want to shift Point of presence from SBI to PNB, right?
Please go through the Section “Changing PoP/PoP-SP under All Citizens Model” in the post.
Sir,
I have been working in GOVT bank (PSU) for last 3 years. I have pran number .
Now in april i have resigned from job for higher studies .
question :
1. PSU banks will come in which category CG or Corporate sector ?
2. I dont want to close my NPS. I want to contribute my own, then what i ll have to do for removing the name of My employer from NPS ?
3. In case if i join other JOB in govt after 2 years, will it be easy to again transfer my NPS to that new employer ?
I am scared, if these process will take time or suffer from red tapism
kindly guide sir
Hi Vivek,
1. I thin Corporate Sector.
2. Shift to All Citizens model
3. There are provisions for such scenarios. However, I don’t know how smooth the processes will be.
My name is Evon Ravi and i had opened the NSDLPN account with my existing bank account in Canara bank. But one year back i closed the bank account and the bank has not given me any correspondence details to continue the NSDLPN account.i would like to continue the account by paying all the debts as the account is going to be frozen i got the message. so please let me know how to go about.awaiting for your response.My mobile no :8105285027
Hi Evon,
If you have PRAN with you, you can contribute online.
sir. if i colse my nps account.,then is it possible to open a new nps account……
Think you can do that.
sir. i was central gov employee i have less than 2lakes in my nps account. i quiet the job and close that nps account. now i got a new central gov job. now can i open a new nps account.
Think you can.
Hi bholanath, please tell what you did in this situation? I am also planning to switch to another government job, however don’t want to tell new employer about previous office due to NOC problem.Thanks and Regards, Keshav
Keshav, Did you find the solution?
sir. plz tell me what is the process after closeing old nps account, create a new account nps account…
Please contact NSDL CRA.
Sir, I have opened the account with axis Bank, fort. They have entered wrong bank details. I am following with them since 1 and half yrs, but they don’t rectify. I have submitted online grievance 3 timed though my nps account, but car also replies to follow up with axis Bank. How to correct it ???
Hi Mohan,
NSDL CRA can’t help much in this case. It has to be resolved at the bank level.
With banks, you shouldn’t waste time following with the branch officials or talking to executives over phone.
1. Drop an e-mail to customer care. This keeps record of the reported issue.
2. If you do not get satisfactory resolution in 2-3 days, forward the e-mail to CEO or Retail Head.
or
1. You can write the e-mail directly to CEO or the Retail head.
This has always worked for me.
dear deepesh i joined punjab national bank in 2013 and have opened NPS account with P.n.b. . now i have resigned and joined central excise also i have submitted different salary account number from which that i submitted in NPS opening time. how i can transfer my nps account.
Dear Koushal,
As I understand, you will be moving from Corporate Sector to Central Government model.
Please contact your account section. They will guide you.
Hello sir
Sir main New govt nps subscriber hu Maine online nps registration ki hai ab Maine ise shifting krna hai to plz iss1 from kese fill kiya jata hai is ko details main batye
Dear Hardil,
Form download kar ke bhare. Kuch samasya aane par apne accounts section ya NSDL CRA se baat karein.
Sir i have central govt PRAN account. I was resigned from that post but i want to continue my old PRAN account. Can i shift central govt scheme to individual scheme
Yes, you can.
Dear Sir.
I have a doubt. Previously I was working in central govt sector and my employers regularly deducted certain amount (10 %) for NPS contribution. After 5 years of my service I resigned and later joined to another job in state govt sector (M.P. state). During my previous job I didn’t receive any PRAN no. or PRAN card from my office. So my new office opened a new NPS account and provided me a new PRAN no. and card. Now I want to shift or merge my old PRAN to new one. Please guide a proper solution in this regarding.
Dear Mrs. Jain,
You will still have PRAN.
You are not allowed to have two Tier I NPS account (or two PRAN).
Please talk to NSDL CRA in this regard.
Dear Sir,
I am a Central Govt. Employee and is mandatorily under NPS Tier I as per govt. rules since last three years.
Now, I wanted to activate the Tier II account and hence proceeded with eNPS and completed all the process and have also paid the initial contribution amount through netbanking. After the process, I was provided with an Acknowledgement of Payment in PDF and a filled up Annexure S10 form in PDF.
I am now confused about what to do next. My Account is still not activated. So, I want to know from you how long can it take for the account to be activated and whether I’ve to submit that form offline anywhere. If so, kindly advice where to submit it.
Regards,
Rahul
Hi Rahul,
You cannot have two PRAN. If you have Tier-I account, you have to open Tier-II account under same PRAN.
Annexure S10 is for activation of Tier II account if Tier-I already active.
If your account is not activated, please contact NSDL CRA. Think you need to send NSDL CRA office in Mumbai.
Suggest you drop an e-mail to enps[at]nsdl.co.in before taking any action.
Btw, there is no need to invest in NPS Tier-II account.
https://www.personalfinanceplan.in/opinion/should-you-invest-in-nps-tier-ii-account/
sir my name is nikhil sharma, i worked in state bank of india from december 24, 2012 to may 15, 2014. in 2013 sbi opened my nps account in corporate sector and my pop sp is sbi corporate centre mumbai and i live in agra, uttar pradesh. i resigned in 2014 and my current employer has no nps facility. for last three years i have tried very hard to shift my nps from corporate sector to all citizen sector but none of the sbi branch near my home helped me. i have also visited many other pop sp but they say that only sbi can change my account from corporate sector to all citizen sector. sir for last three years i have tried almost all the pop sp near my place but none of them knows how to process my request. kindly guide me so that i can change my nps account
is it possible to change CRA, since karvy charges less than NSDL
To be honest, the difference is not so high.
PFRDA has mentioned about inter-operability. I could not find any circular to do that.
Perhaps, you should wait till better clarity emerges.
yup. you are right
Sir,
I have a PRAN under All Citizen Model through enps.Now I have joined in a state government job which is mandotarily covered under NPS.Can I shift enps PRAN to govt sector through ISS-1 form?
Yours faithfully
Bikash Kumar
Yes.
Exact process, you will have to check with your employer.
I am previously in central job and have PRAN number there and quite the central govt. Job & join state govt. Job and here issued another PRAN number. But problem is that now I am again join central govt. Job in same department in different division in different post, can I continue with new PRAN number which is issued by state govt. Please suggest.
You can have just one PRAN.
Sir I was doing a job in police deptt and had opend a pran account…. after 3 years i left the job and got job in Education Deptt. But neither i shifted my PRAN nor i opened another one… I continued my Previous one But when i am checking my details it is showing the same DDO..
DO I NEED TO SHIFT MY PRAN ACCOUNT OR CORRECT IT?
PLZ SUGGEST…
Sir,
I had PRAN under All Citizen Model(eNPS).Now I have joined in state government service which is mandotarily covered under NPS.In order to shift from All Citizen Model to government sector,should fill up both CSRF-1 and ISS-1 or only ISS-1 ?
Can’t comment about all the forms. ISS-1 is the one you need for sure.
Please check with your accounts section.
sir , what is procedure to transfer NPS account from one department to another department ( both department in state government)
I have worked in central govt department. Now after resigning I am pursuing higher studies while taking coaching classes as employment. I want to shift my NPS account from Central Govt Model to All Citizens Model. Please guide me.
Hi Deepak,
You need to fill Form ISS-1 and submit to the nearest PoP/PoP-SP.
I joined Govt service in 2014.I applied for opening my NPS account through the PAO.They allotted a PPAN to me.But since, I didnt pay them bribe, they never sent my application to CRA.In 2017 I applied online and got my PRAN card. I called up CRA customer care to know how to proceed now.The executive told me to submit ISS1 form and copy of my PRAN card to the PAO. But what if they now ask more bribe to shift my individual account to govt sector?
Is there any way to file grievance in case PAO doesnt process my ISS1 form and transfer my deductions from PPAN to PRAN?
Who asked you for bribe?
I was working under CENTRAL GOVERNMENT ESIC and had a NPS account. now i have shifted job under central govt which also offers NPS . i have some pending arrears from ESIC which will have NPS contribution. . I have shifted my NPS to under state government. but noe my previos employer ESIC is not able to transfer my NPS contribution from arrears to the present PRAN account . how can this issue be settled?
Please contact NSDL CRA.
Hi Sudharmna, please tell what you did in this situation? I am also planning to switch to another central government job from ESIC, however don’t want to tell new employer about previous office due to NOC problem.Thanks and Regards, Keshav
Dear Deepesh Raghaw
Now every NPS account holder can switch to eNPS from any other POP/POP-SP through the web Portal login.
One can select Transaction -> Switch to eNPS review the details and submit. Submit the OTP and done.
Thanks Jugal for pointing out.
Even I came to know about this about a week back.
Did a post on this topic.(https://www.personalfinanceplan.in/product-review/karvy-new-cra-shift-enps/)
Thanks for telling that the process is quite smooth.
Will update this post soon.
Sir i am railway employee ,i have nps account , now i have been selected in state govt service but i have not take prior permission from railway ,can i create a new nps account in sate job
Sir I am central government employee and having nps account but I get another government job so I can transfer this account unknown the before GOVT company
Please contact NSDL CRA.
You can perhaps first transfer it under All Citizens model and then to the new Govt. company.
If you hid information from the new employer, you must be prepared to face consequences.
Sir I am ram Raj I have already railway job. Central government for 5 years. But I selected in state govt. Rajasthan. I have already pran & NPS account. Now what doing. For NPS.
shift your account to the new employer.
hi,
ome month back i opened pran through icici direct but account was frozen as document were sent to icici direct on 27th day which they still claim as not recieved.i have intial 500 rs contributdd. in meanwhile i also tried opening enps and got pran card through aadhar based enrolment without quoting pan card.i deposited 50000 also in it. so now ideally i have two pran no. but one prone no. is frozen. do i need to close one pran no. if yes how? and which one?
Please contact NSDL CRA.
Sir I was in central govt job and I have pran no. and during job I applied for Rajasthan govt job without intimated office and selected and now I joined in Rajasthan but don’t tell my previous job what should I do now show my NPS or apply for new one
Hi, sir,
I am a state government employee my NPS account automatic created by government in 2015 but my son mistake yesterday create another NPS account with new PRAN ACC NO from the online portal. so how can I delete wrongly created NPS account?
Please get in touch with NSDL CRA.
Additionally, do not make an further contribution in the new account.
sir, I have already linked my bank details what happen any deduction amount from my bank account.no response from cra.
Hi Jeevan,
please go through the following post.
https://www.personalfinanceplan.in/product-review/how-close-second-nps-account/
Dear Deepesh,
I took VRS from a PSU during the year 2016. Thereafter, under All Citizen model, I opened NPS with Kotak Bank with self contribution.
In the meantime, my previous employer i.e. PSU has now implemented NPS scheme w.e.f rom Jan. 1, 20o7 where I am also eligible to participate as I had completed 15 years of service. Under the scheme, my previous employer will contribute a fixed percentage of my past salary drawn for 114 months (Jan. 1, 2007 till my VRS) without any contribution from my side. However, my previous employer has got into an agreement with LIC and no present/past employee can opt for any other Service provider other than LIC. I have been also asked to fill the NPS form opting for LIC and also confirming that I dont have any NPS account.
Since I already have NPS account through Kotak with PRAN No., please advise how to go from here. I don’t want to lose the benefit of contribution of almost 10 years by previous employer.
Thanks
Vikas
Dear Sir,
These are special cases.
I am not sure if I have the right answer.
I am merely thinking aloud.
You can share your PRAN with your employer. Probably, even shift NPS account to them.
Once your units have been credited, you can shift back to All Citizens model.
You can also write to NSDL CRA seeking better clarity.
The contact details are in the following post.
https://www.personalfinanceplan.in/product-review/how-close-second-nps-account/
I was in railway department, where i have issued a pran no.
Now i quit the job and got another central government job. can i use same pran card in new job?
You can use the same PRAN.
SIR PRAN NO. SHIFTING PROCESS M KITNA TIME LAGTA H.
Can’t say.
I recently have join the state government job in faridabad district of Haryana state. I have generated PRAN online. I have been asked to submit all documents with subscriber shifting form to Treasury office. Do I really need to submit subscriber shifting form as before this I was not working anywhere.
Hi Ritesh,
If you opened the account online, I believe it will be in All Citizens mode.
You will have to shift to State Government. For that, you will need to submit subscriber shifting form.
Sir ye. Iss1 form. Kha jma krwana hota h
Hi Deepesh,
I have opened Tier I and Tier II NPS account. Now I am thinking that only Tier I account is enough for me. Is it possible to merge these accounts and move Tier II deposit to Tier I account. And close Tier II account.
Hi Ayush,
You can leave Tier II account as it is. There is no minimum subscription.
Or you can simply transfer from Tier II to Tier I account. Don’t think there is need to close the account (btw, I am not sure how to close Tier II account).
In eNPS, there is an option for One way switch. Guess this is to move amount from Tier II to Tier I account.
The crux is that there is no need to follow the complex procedure as mentioned in this post.
Dear Sir,
Last week I opened a new NPS-A/C(PAN NO.BASED) by online and paid the initial contribution of Rs.1000/-(Rs500/- in Tier-I and Rs.500/- in Tier-II) and my PRAN has been generated and then I could see my a/c statements of Tier-I and Tier-II online. I have sent the completely filled-up NPS-REGISTRATION-FORM(after getting attestation from my bank, SBI) to the NSDL office at Lower Parel by Speed-Post and it has reached there on 17.11.2017 itself.
But now, I am unable to make further contributions in my a/c. It is giving an error msg “You are not authorized to make further contributions”. What is the meaning of this? Kindly clarify. Thanks.
–BCS, CHENNAI
Once your documents are verified, you will be able to contribute.
Sir i previously worked in a bank. Now i have switched to insurance sector therefore i need to shift my PRAN account. On downloading the subscriber shifting form i need to fill DDO/CBO/POP-SP reg no. Of previous employer but i can’t find it anywhere in my PRAN kit..please help
You can contact NSDL CRA for such details.
https://npscra.nsdl.co.in/contact-us.php
Or if you have registered on eNPS portal, you can view such details.
Deepesh , I have made a nps contribution from sbi online 2 days back , but the same is still not reflected in cra-nsdl transactions.
Please help.
Jayaramu,
Wait for a few days.
Hi Sir,
Main pahle central Govt. main job karta tha, ab Rajasthan Govt main hu
main mera PRAN card continoue rakhna chahta hu, Plz bataye ISS-1 form kaise fill karte hai
form download karein aur bharein. Difficult for me to tell how to fill up the form.
You need to follow the instructions provided.
Hi sir,
Sir mai pahle central govt. Job me tha. Aur ab last 2 years se waha se without information ke. New state govt. Job kar raha hu. Abhi tak to new job me nps nahi tha… but present me form bharwaye ja rahe hai… kya mai apna old PRAN. yaha de sakta hu agar koi problem na create ho to. but new job me bhi old job ki koi information nahi hai…
Ya mai pahle central se All india citizen me iss1 bharkar shift karna chahu to kya ye bhi possible hai… baad me All india citizen se state govt. Me shifting karu…….
Help me please sir, because i am suffering mindly upset…. Please give me right advice.
Your fan.
apko kya solution mila ..plz bta dijiye
please tell what you did in this situation? Kya aapka kaam smoothly ho gya? I am also planning to switch to another government job, however don’t want to tell new employer about previous office due to NOC problem.Thanks and Regards, Keshav
Hi sir,
Sir mai pahle central govt. Job me tha. Aur ab last 2 years se waha se without information ke. New state govt. Job kar raha hu but maine vaha 3 resign by post bheje the jisme first 2 resign vapas aaye the but 3rd resign (homely problem ke karan duty karne me asamarth dikhaya tha) jo ki march 2016 me bheja tha vapas nahi aaya hai avam resign letter ki ek corban copy and speed post ki parchi mere paas rakhi hai pata nahi current status old job ka kya hai resign accept hai ya reject. Aur abhi tak to new job me nps nahi tha… but present me form bharwaye ja rahe hai… kya mai apna old PRAN. yaha de sakta hu agar koi problem na create ho to. but new job me bhi old job ki koi information nahi hai…
Ya mai pahle central se All india citizen me iss1 bharkar shift karna chahu to kya ye bhi possible hai… baad me All india citizen se state govt. Me shifting karu…….
Help me please sir, because i am suffering mindly upset…. Please give me right advice.
Your fan.
आपको अपनी पहली जॉब के बारे में बताना चाहिए था|
But sir tell me its solution now… what should i do now??
I am also same problem please tell me solution
Sir I lost my i pin and T pin and changed registered mobile number..How can I reset all ?
Please contact NSDL CRA or your PoP.
Hello, I have got email from NSDL-CRA that my shift request has been processed for Tier-1 # account. Target POP-SP Reg. No. is 6396950. But the Email Id / Phone No. of this POP-SP are neither in the NSDL Email nor on the internet. Can you share an excel file with the contact details of all POP-SP? I will be really obliged.
If you want, you can simply raise an enquiry or grievance on the eNPS portal. That is the best way to approach them.
HI,
I have created NPS through “https://enps.karvy.com” & got PRAN number as well as PRAN card. But when I tried to login NSDL site, it shows “This PRAN not exist in database”.
If PRAN is Unique then it must be exist everywhere. Please correct me, If I am wrong.
Also should I change my NPS a/c to “eNPS”. can you suggest the benefit for the same(1 benefit is to skip the POP charges).
Hi Dipanwita,
NSDL and Karvy are two different CRA.
You won’t be able to log in to NSDL site.
Try logging into Karvy website.
Hi Deepesh,
Thanks for the confirmation.But as PRAN is unique, then how they maintain the uniqueness? Also should I change my NPS (created from Karvey) a/c to “eNPS”. can you suggest the benefit for the same(1 benefit is to skip the POP charges).
Hi Dipanwita,
You are welcome.
There are many ways to maintain uniqueness. They may have been alloted number range to avoid any conflict.
Think of a parallel in telecom industry. Mobile numbers don’t clash. IMEI numbers don’t clash.
No, there is no benefit in switching from Karvy to NSDL
Moreover, even though the regulator has permitted switching CRAs. I am not sure if such porting is possible at the moment.
Btw, Karvy must also offer eNPS Therefore, no need to switch from Karvy to NSDL. The only benefit in switching to eNPS is to save on PoP charges. No other benefit.
Sir in my case i have work under state service and obtained pran no. And pran kit. But as i quit my job and join another post within the same state.. Am not aware of shifting pran no. So i hav apply for pran again online now i have two pran number .. The first one i hav stop contributing but the second account can not b activate though i obtained the pran number through online .. What should i do?
Hi David,
Suggest you go through the following post.
https://www.personalfinanceplan.in/product-review/how-close-second-nps-account/
Dear Sir,
I have registered my self through karvy -nps in national pension scheme.I had got my PRAN NO after successful registration. I had contributed RS-500/- as my initial deposit throurgh net banking.I had got a confirmation email for my successful contribution..but after 4 days of opening of nps..the contribution showing in the karvy nps my profile is 0(zero).
Today I have received a different PRAN card of different person ..but the all information in the booklet is of mine only a different person’s PRAN card was stuck into the booklet.
In this present situation, what I have to do?
I had mailed nps carvy , but no response from theirside till now..
Please do needful..
Your fruitful cooperation will be highly appreciated.
Thanking you.
Hi Indranil,
About the contribution, it should reflect in a few days. I wouldn’t worry as of now.
If nothing happens in the next 3 days, please contact Karvy.
You can contact now too but allocation of units can take time, especially since you have a weekend in between.
About getting card of another person, please contact Karvy. It is a clerical error.
Hi Deepesh
My NPA account is with ICICI.
After reading your post, I wanted to switch to eNPS and logged on to https://cra-nsdl.com/CRA/. Though I can access my account normally, I cannot see the link “Shift to eNPS” under Transactions. Am I looking into the wrong place?
thanks and regareds
Additionally, I am trying to fill Form ISS-1 to shift my PRAN from Corporate to All Citizens of India (UOS).
In the Target PRAN column of the Form, it is requesting POP-SP Reg No. From where I can get this number for All Citizens option?
As I understand, you can use the following details.
eNPS PoP: 5000682 PoP-SP: 6396950
You can also check the exact details with NSDL before sending your application.
Hi Sushil,
Your account is under All Citizens Model?
Hi. Deepest ji. Myself KamleshTyagi posted under state government(UP )service which provide now fascillity. I have also gotten my PRAN and near about 6year, my contribution in nps have been done. Now myself have join a new job in state government (UP ) which also provides NPS.Ihave already filup the form ISS-1.Please tell me next proces for shifting of NPS account? Tell me the role of existing PRAN association in shifting of my account.
Please follow up with the concerned department in your organization.
Hi Deepest sir! I Kamlesh Tyagi want to be open a demat account. Tell me it’s processh for opening demat account. Also give a quite tuch of it’s merit and demerit. Thanks sir.
Please contact a broker to open a demat account.
Dear Deepesh,
Please help me out in this conundrum. My POP & POP-SP both are eNPS-All Citizens of India (Reg. No. 5000682 & 6396950 respectively). I have some chnages to make through form UoS-S2. As the form need to be submitted through POP-SP, Please let me know where I need to go as it dosent have any physical office if I am correct.
Regards,
Danish Mallick
Dear Danish,
Suggest you go through the following post.
https://www.personalfinanceplan.in/financial-planning/update-contact-nominee-details-nps-enps/
For changes where you need to send the physical form, you can first raise the query in the system.
Subsequently, you can send the form to:
eNPS CellNSDL e-Governance Infrastructure Limited1st Floor, Times Tower,Kamala Mills Compound,Senapati Bapat Marg, Lower Parel,Mumbai – 400 013
You may also scan and attach the request while raising token in CRA system.
Sir,
Thank you for such nice article.
I have a concern, previously, i was working for central government but later on i resigned and joined a private firm, which maintains Provident Fund (PF) Account instead of NPS.
I want to close this NPS Account and open an NPS Account afterward in All Citizen Model (e-NPS) to avoid any confusion while withdrawing at time of superannuation.
How can this be achieved ?
If i can not withdraw my corpus, how can i convert this Account into All Citizen Model ?
Hi Alok,
You can shift to All-Citizen model by filling form ISS-1. There is no need to close the account.
Sir…..i resigned from my government post in Uttaranchal and joined govt. Service in Uttarpradesh….how can i transfer my Nps no. From uttaranchal to Uttarpradesh…kindly tell me the procedure
Both are state govt. jobs?
Sir,mai pahle central govt me job karta tha.but aab state govt me job karta hu.or maine shifting ke liye iss 1 form fill kar ke nodal office me submit karwa diya.
Please sir ye bataye ki shifting me kitne din ka samay lagta h.
Can’t comment. Please check with the nodal office.
Dear Deepesh ji,
I left state government job for higher studies. I want to continue contributing to NPS, same PRAN no. as a common citizen.
Please advise how to do it.
Dear Naresh,
You will have to shift to All Citizens model.
You can do that by filling form ISS-1.
You can submit the form to one of the bank branches where NPS investments are accepted.
Nice and informative info !
Wanna ask sir, i am under central govt now wanna (as selected) switch over to another central govt job…i have already the pran card and consequently nps account….May i allow to submit this pran and issue a new one into the new office. is there any procedure related to this ?
Hi Varun,
You can use the same PRAN.
Please suggest to me, transfer of One Sector to another sector the below issue will there…..
DDO Shifting is not allowed from DTA-Group Accounting Formation to SAB-Group Accounting Formation
What is the problem….. can you please explain detailed and how many days will taken to transfer one sector to another sector.
I don’t know.
Please contact NSDL CRA.
I am currently working in union bank of india and planning to quit my job as i got a job in Air Asia India.I am an Nps subscriber for the last 2 yrs.Will i be able to port my Nps account to my new company.
Thanks and Regards;
Prasanth K N
Yes
Respected sir, I have worked in Railways as ALP. I have pran also.. I left the job on January.. Can I change my Nps account to all citizens mode
yes, you can
I sir…I joined swrailway in 2013 may 16 and I left that job without intimation in 2014 august because of health problems .. they removed me from service in Dec 2015.
NPS/ PRAN number is generated in Feb 2015 and there is no contribution in this account… now I have ONLY PRAN number..
Now working in State govt sector since 8 months now I need to activate that account for get my salary….
What can I do?
Where can I go?
Please inform me…..
Thanking you
Please contact NSDL CRA.
apka kya rha ….
यदि एक NPS कर्मचारी जो अपना NPS से Premature Exit हो जाता है और annuity भी purchase कर लेता है | ऐसी परिस्थिति में यदि वे न्यू NPS के लिए आवेदन करता है तो क्या उसको न्यू NPS account Open होगा या पुराना ही फिर से चालू हो जायेगा | कृपया सलाह दें |
you can open new NPS account in that case.
Hello Sir,
My name in NPS account is incorrect. I filed grievance to rectify this onlne. I got reply to contact POP. My POP is Axis bank,. Since 1 year they are not able to rectify my name. Could you please let me know is there any other way to rectify my name?
Regards,
Dilip
Dear Dilip,
Please write to NSDL CRA about this.
Did Axis bank give any reason why they can’t rectify your name?
Deepesh, first i was in a private bank where my NPS tier 1 account was there. Now i switched my job to a state govt. job where there is no NPS. How to convert that NPS account to general. kindly guide
Quite strange state government employer does not offer NPS.
If you want to shift to all-citizes model, you can submit completed form ISS-1 to a Point of Presence (say a bank branch).
Dear Sir,
I want change my PRAN from All citizen to Central govt. sector. So where should I submit my ISS-1 form? Is it PAO or DDO, within deptt., or to whome?
Hi Sonu,
Please check this internally.
Sir I have also open our enps account.i want to shift our account in State government.so how we can know our subscriber source details/Tear -1 details for filling to shifting form.
You can find all the details when you log into eNPS portal.
नमस्कार सर
मै central government मे जनवरी 17 से डिसेंबर 17 तक सव्रिस किया और मेरा NPS account भी था, डिसेंबर 17 मे नोकरी छोड दिया, उसके बाद मैने NPS account को all citizens model मे शिफ्ट कर दिया है, मेरा अभी state government service मे सिलेक्शन हुआ है तो क्या मै all citizens model से state government मे SSS-1 फार्म भरके शिफ्ट कर सकता हूं या फिर नया NPS account open करना पडेगा. ल्पिज गाइड करे.
Hi Bharat,
You can shift from All Citizens to State Government NPS.
SIR i left my center gov. railway job and join the state gov. job how can i link my nps account my new job
you shift your older account to the new job.
If you already have two accounts, suggest you go through this post.
https://www.personalfinanceplan.in/product-review/how-close-second-nps-account/
Sir,
I had open NPS account through eNPS with aadhar card details. Now I received mail to submit my PAN details through form-S2 and submit to associate Nodal Office. I checked online, my POP is 5000682 , eNPS – Online.
so where I have to submit form-S2. Shall I post the form to mumbai address as mention in POP details?
Follow the instructions as provided in the e-mail. It should be mumbai address only.
I have done 2years service under State Govt in home dept and my nps account was opened but no deduction was done by the account dept there and now I hv resigned and joined in higher education dept in higher scale then the previous job. What will happen to my nps account and how to activate it for the whole period. Please guide me regarding the same.
Transfer the earlier account to the new place.
I want to shift my NPS ac to eNPS to save the POP trail charges. But I am unable to see that option in the transactions tab. Please guide as to how I can achieve this.
I had opened my NPS ac in 2015 via some HDFC guy who had come to my company. Since then, 10% of my basic salary has been going into NPS but I was never communicated about these hidden charges. I thought of NPS to be same as MFs 🙁 Need a savior to get me out of this mess!
Dear Raj,
As I see, your NPS account is under the Corporate NPS model.
You can’t switch to eNPS.
Sir i am B.ayyappa i applyed e pran in online pran number is aloted pran card is issue
But to given pran tair 2 account actually i am state govt employe in Andhra Pradesh but tair 2 account is coprate sector so how to change my account in tair 1
hi deepesh…earlier i was in govt bank…that time i didnt know much about NPS so i didnt open NPS account but NPS deduction was made from my salary every month…now im in central govt job and i have my PRAN no…how can i get my bank amount that deducted from my salary in behalf of NPS and where?
Hi Pihu,
You need to transfer your NPS account to the new employer.
Sir me ak state govt employee hu mene enps k jriye pran k liye apply kiya or mera pran account khul gya…… Sir ab muje ISS 1 form feel krna pdega kya meri job dettel add krne k liye agr feel krna pdega to me ye form feel krke kha submit krwau??
apne nodal office ya DDO ko jama kariye.
aapke office mein behtar bata paayenge
Sir me pehle district court me govt job par tha ab waha se resign dekr dusri govt job me join kiya h and doni hi haryana govt ki jobs h ..sir ab meri salary nhi bn paa rhi h because NPS no.dalte hi likha aata h ki employee is working in court and ask the court to transfer the employee to your office
Transfer NPS account.
hello sir
i joined a new job in the karnataka state i have PRAN no in the same state government how i shift my pran no to old Department to new department in the same state government
Dear Swarnashree,
Please check with your office. I have specified the generic details in the post.
thank you sir did you mean to check with my office mail
Sir I open apy earlier but now I joined state goverment can I use apy PRAN in NPS
which form required to shifting APY TO NPS
Hi Rajesh,
This is a grey area for me. NSDL CRA confirm to me that one can have both APY and NPS account. This sounds a bit strange to me.
I am not sure how shifting from APY to NPS will work.
Suggest you talk directly to NSDL CRA.
SIR
TWO YEARS BACK I HAVE AN NPS ACCOUNT UNDER STATE GOVT.
I USED THAT ACCOUNT FOR JUST THREE MONTHS ONLY
AFTER THAT I CAME OUT OF THAT JOB AND STARTED A BUSINESS AND NOT USED NPS ACCOUNT FROM TWO YEARS.
NOW I WOULD LIKE TO CHANGE MY NPS to UOS or Citizen Sector.
DO WE NEED APPROVAL FROM THE PREVIOUS DRAWING OFFICER.OR ANY OTHER PERMISSIONS
As I understand, you don’t need any permission.
Thank you sir for your valuable information.
Kindly tell me were I have to submit my ISS-1 form.
Do I have to submit it in KARVY or any other office.And
What are the Documents should I submit along with ISS-1 form.
Kindly tell me were I have to submit my ISS-1 form.
Do I have to submit it in KARVY or any other office.And
What are the Documents should I submit along with ISS-1 form.
Kindly tell me were I have to submit my ISS-1 form.
Do I have to submit it in KARVY or any other office.And
What are the Documents should I submit along with ISS-1 form.
Sir,
Kindly tell me how to close my nps account completing my service 11years at central police due to my mother serious problem as genuine illness not curable and I want to leave my service what is the return percentage amount from my nps multiple balance
Please go through the following post.
https://www.personalfinanceplan.in/how-to-exit-nps/
You will be able to take out a maximum of 20% amount lumpsum. Remaining will have to be used to purchase annuity.
Hi,
I had opened NPS account through ICICI bank, i suppose it was All citizens model. later i got to know that my employer offers NPS, however the existing account has to be under corporate account.
I applied to change the subscriber from all citizens to corporate. It is still u under process, however i am not sure how can i check if the POP has changed ?
I have online login account however not seeing that info anywhere except transaction/holding statement, as i had done contribution with old POP, not sure if that will reflect the changed POP.
another question is if i change the employer do i need to again fill the subscriber change form with new employer?
Hi Ashok,
Believe it should get updated with a new PoP name.
Btw, you can raise a grievance with NSDL and request status.
HI,
I was terminated from kvb bank. now I got a job in rbl bank. I was applied for permanent retirement account number while working in kvb. if rbl bank ask me permanent retirement account number . and i give the same permanent retirement account number means may it spoils my job in rbl bank. otherwise can i close my permanent retirement account number ?. How long will it takes to close the account.PLease help me. I dont know what to do?
After shifting my new office contribution is not displaying on my pran id though shifting process has been completed two month before
Raise this issue with your office.
Dear sir I have NPS acc. on private basis and contibutes by my own. Now I have joined central govt job. But in my office nobody knows the process how to shift the account from private to govt.employee acc. Please give your kind direction for such case.
You need to fill and submit Form ISS-1.
Hi Deepesh, can you pls tell me how to convert central govt nps to corporate sector nps/ All citizen nps?
You will have to fill and submit form ISS-1.
To whom I have to submit ISS-1 Form?
1) for corporate
2) for all citizen
1. For corporate: your company account section
2. For all citizen: to the PoP where you want to shift
Dear Sir,
I have quit the government job before get the 3 month salary and joined a new govt job. Hence, my previous employee have not been created NPS account. shall i open a new NPS account in present employer?
Hi Mahadev,
Difficult for me to comment.
If NPS account has not been created, you can create a new one.
If there is confusion, you can write to NSDL and seek clarification. If you do not get a clear answer, I would suggest you open a new one and get the older one(if it has been opened) with the new one.
Hi Sir,
I have joined NPS 3 years back. My POP is SBI And for the last 3 years I have contributing the 50000/ for getting tax benefit under 80CCD(1B) through NPS portal. My new company is offering NPS corporate model. I am planning to join that to get the extra 10% basic salary contribution in that model through the company payroll.
But the company is asking to change my current POP to ICICI
My question : is it compulsory to change my POP for joining the company’s corporate NPS model? Is it not possible with out changing the current POP?
Thanks
As I understand, your employer is correct. There can be operational issues if you continue with SBI as PoP.
hi deepesh ,
i changed my NPS account from corporate to all citizen catagory.I got a job and i need to change my nps to corporate again. whether new employer can able to find my previous corporate details
Thanks
Unlikely but can’t say that with certainty.
Okay thanks Deepesh
Hi Sir,
I have opened e-nps account by my own via website. I myself contribute to that every year.
I have tax benefit on amount paid to this. so i get tax benefit for 50,000 by this.
My employer also provide the facility of nps.
ques 1. Can I open nps now by employer. and If yes, then will the new PRan no will be given?
You will have to shift your NPS account to your employer.
You can’t open new NPS account.
sir,
I have opened eNPS through Adhar No. recently. Now I am going to join in central government job. Can eNPS be shifted to Central Government model.
Yes, you can shift from All Citizens model to Government model.
महाशय,
मैंने eNPS account खोला है और PRAN no. भी मिल चूका है | अभी – अभी मुझे सेंट्रल गवर्नमेंट की नौकरी लगी है | क्या मैं उसी pran no. का उपयोग कर पाउँगा या नया pran no. के लिए अप्लाई करना परेगा | क्या eNPS account को सेंट्रल गवर्नमेंट मॉडल में बदला जा सकता है | यदि हाँ तो कैसे |
महाशय,
मैंने eNPS account खोला है और PRAN no. भी मिल चूका है | अभी – अभी मुझे सेंट्रल गवर्नमेंट की नौकरी लगी है | क्या मैं उसी pran no. का उपयोग कर पाउँगा या नया pran no. के लिए अप्लाई करना परेगा | क्या eNPS account को सेंट्रल गवर्नमेंट मॉडल में बदला जा सकता है | यदि हाँ तो कैसे |
Hi Deepesh,
I am NRI, and I have opened eNPS account in Dec-2016.
The PoP-SP for my account is eNPS-Online (6396950).
I want to change my PoP-SP to ICICI Bank Ghaziabad Branch.
Also, I want to update the Bank Account Details from NRE account to NRO account.
Could you please help me to know how can i get it done?
Hi Vineet,
Please visit the bank branch. They will provide requisite forms.
UOS-S6 form for change of PoP
Form S2 for change in bank account details.
Why do you want to move from eNPS to a regular bank branch?
By sticking with eNPS, you will save some charges.
Before I Centers job but now state job but pran not making reason pan already exists databases.plz..advice give me
You can have just one PRAN under NPS. Request you to transfer older account.
Respected sir, Deepesh, I have a question
I am working under central government and I am having interview of LDC in state government for which I won’t be providing NOC to them. If I have joined as an employee(LDC ) of state government what will happen to my NPS and should I do thereafter. If this said so is not possible what should I do please suggest me. Thanking you.
Dear Apsar,
I can’t provide advice on what is clearly the wrong approach.
Once you join the new job, you can shift your NPS account to new employer.
Thank u so much for replying sir . My actual intention is to resign from my current central government post and join state government without providing NOC . In this case will respective DDO of state accept my transfer of nps without NOC.
I can’t comment. Think he will have to accept. Just that joining without NOC from previous employer may be in violation of terms of employment with the existing or previous employer.
sir
i have 2 pran card. can i merged in 1 account
Suggest you go through the following post.
https://www.personalfinanceplan.in/how-close-second-nps-account/
Sir,
I have a govt job in state government(mp) but now I got new job in other state {rajasthan} I have nps how I can transfer this form mp to rajasthan
Plz suggest me
Sir
I changed my job from State Bank of India to Private sector (doesn’t offer NPS). I worked in SBI for 7 years.
1) I wish to change my sector to All Citizens of India. Is it necessary for State Bank of India to sign the ISS form?
2) When can I exit from NPS, since, I have plans of going abroad.
Thank you.
1. You can change to All Citizens without signature requirement from SBI
2. When you shift abroad, you can continue the account as NRI. You can exit at the age of 60. Premature exit is also possible.
I m a employee with LIC of India and have ENPS Acct, can i map this ENPS Acct in my DMAT Acct ?
Hi Pardeep,
ePNS account can’t be mapped to any demat account.
Hi,
I am currently having my NPS Account with POP – eNPS. My Employer is offering option to subscribe NPS where in i can contribute upto 1o% of Salary under Sec 80CCD(2). Below are my questions:
1) If i change to Corporate NPS model, Can i still continue to contribute – Self through eNPS under Sec 80CCD(1B)?
2) Later if i change my job and would like to convert back to All Citizens Model under eNPS POP is it possible?
Regards
Shiva
1. Yes
2. Yes
Dear Sir, I have an ODISHA state government employee I have opened my NPS account through carvy Cra is it switchable to NSDL cra.. Coz I made not getting any benefit from govt contribution.. Plz help me sir whether it is switchable or not.. Or what are the procedures.
Fill and submit Form ISS-1 in your office.
Hi Deepesh,
I am trying to convince my company to provide corporate NPS option to its employees and hence coordinating with Abhipara POP.
Abhipara POP told me that, our employees need to shift from All Citizen model to Corporate Model which created many doubts. If you can look into the following set of questions:
1- Some of the employees if having Karvy CRA then they have to shift to NSDL CRA first before shifting to Corporate NPA?
2- Is there any drawback of shifting from All Citizen Model to Corporate Model?
3- Can employees still contribute to their NPS accounts online under section 80ccd (1b)?
4- Do we also need to shift employee’s tier2 accounts to Corporate NPS model and to Abhipara POP?
Also can my company contribute yearly instead of monthly in Corporate NPS to reduce the operational overhead?
Right now visible loss is for the employees who are having eNPS POP and after shifting to Corporate Model will be paying POP charges at the time of contribution in 80CCD(1b) and in Tier2.
Many Thanks,
Mukul
Hi Mukul,
You will have to shift from All Citizens model to Corporate NPS.
1. If go with a particular PoP, you have to move to CRA they are working with.
2. There is no issue.
3. Yes
4. Yes
About annual or monthly, it is better if they do it monthly. The law can be interpreted to provide benefit on monthly contribution (as percentage on basic).
Thanks, Deepesh for the information, your blogs and answers are very helpful.
If you can kindly look into a couple of more questions:
1- Company is contributing to EPF pension also, can we contribute to Corporate NPS along with it or have to opt only one?
2- Do we have to contribute any minimum amount via corporate NPS route yearly even if employees are already contributing min 1000 INR in their tier1 account online?
Means if anyone decides to not contribute via corporate NPS or take a gap for a year or two then hopefully it won’t be a problem.
Thanks,
Mukul
1. Can contribute to both EPF and NPS.
2. Why would the company offer corporate NPS when they don’t want to contribute to employees account? For the gap, I am not sure. There should be this flexibility though. NPS regulations are silent on this.
How can i shift my nsdl account from corporate sector to state govt. Online
Hi Deepesh,
Last year I changed my company. In my last company I had superannuation scheme. In the new company no superannuation.
I have all citizens NPS account.
I came to know from a govt notification that I can transfer superannuation money to NPS account without any tax obligation. When I approached my earlier company to transfer superannuation to NPS, they are saying that they cannot do this to all citizens NPS account.
Please guide me:
Is it true that superannuation money cannot be transferred to all citizens NPS account
If possible, how should we do it? Is there any proof I can show to my earlier employer that they have to do it.
Kindly guide me on this front.
Sir
I had generated my PRAN no.
At that time I was college student.
But now I have joined govt department.
How I attach my PRAN no to my department.
Please reply
सर मै up पुलिस की जॉब में था मेरा वहां पर nps अककॉउंटमे पैसे काटते रहे और अब मैं उत्तर प्रदेश में ही शिक्षक की नौकरी में हु क्या मुझे दूसरा nps एकाउंट खोल सकता हो और पुराना बंद कर दूँ क्या उसके पैसे नए nps account में मर्ज हो जाएंगे कृपया बताएं
Which CRA is best for open NPS? It’s NSDL or Karvy?
Go with anyone. Toss a coin. 🙂
HI DEEPESH , I AM IN GOVERNMENT JOB OF MAHARASHTRA STATE, MY CONCERN IS I WANT TO WITHDRAW MAXIMUM AMOUNT FROM MY NPS ACCOUNT , AS MY JOB IS CONTINUE AND NPS IS FROM 2015, ALSO I WANT TO KNOW IF I SHIFT FROM TIER1 TO TIER2 , COULD IT POSSIBLE TO WITHDRAW PARTIALLY AMOUNT FROM TIER 1 , ALSO IF I SHIFT ONLINE FROM TIER 1 TO TIER 2 IS IT AFFECT MY GOVT. SERVICE OR MY AND EMPLOYER CONTRIBUTION, MY EMAIL ID IS – robin9823923854@gmail.com
Hi Deepesh
This is chandan Sahoo. I had opened an eNPS account through CRA website. Now I wanted to shift this account to ICICI BANK. How can I do that. Kindly suggest
I have quoted my job from Indian overseas Bank, now joined in state government.i want to transfer my pran from bank to state govt.please guide me how i transfer & which is good tire_1/tire -2
I open the NPS account through BOB bank in association with karvy. Now i am unable to link it with my employer.
Hello Sir,
I was working with Wipro where my CRA for NPS account was Karvy. Now I am working with Infosys and I need to shift my NPS account from Karvy to NSDL since ICICI manages NPS for all infosys employees through NSDL.
May I know online procedure to transfer NPS account from Karvy to NSDL.
i have switched my job from sbi to state govt please guide me how can i shift my NPS
Sir
I am currently working in a state government job. Before getting the job I applied for Railway JE exam. So in the application form I stated that I am currently not working in any government job. After appearing in the stage 1 of the railway je exam I got the state government job where I currently working.
Now as results are announced I cleared 1st stage of the railway exam. Now I am confused about what to do if I got selected for Documents verification round.
Should I get NOC from my current employer ( But as mentioned above in the application form I stated that I am unemployed). Is there will be any problem of shifting the NPS account of my current employment.
Whether your problem solved.if yes ,plz tell me , I am in same situation.
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Dear Sir,
I want to shift my eNPS(All India category) from Karvy to SBI by using UOS-S6 form. After account transfer to SBI , Will i have to fill in all the details again or the same details will be captured by SBI from Karvy.
Regards
Raj Pandey
Hi Sir,
I opened my account online (through Karvy) in the sector “All Citizen”. My employer recently started NPS contribution through ‘Corporate – NPS’ sector where upto 10% of my basic is allowed for tax exemption.
How can I shift from “All Citizen” to “Corporate” sector ?
You will have to submit form ISS-1.
I changed my job from central govt. to state govt. How can I shift my nps account and what is the procedure and duration ?
And is it necessary to take approval of the previous DDO/PPO sp approval ?
Hi Dipesh sir,
I left the central govt job without resignation in 2015 and now i got state govt job. How can i shift my pran account to the current job, what is the procedure?
Sir please reply me
apka kya solution rha bhai ..btane ki kirpa kre
Dear Sir,
I have NPS account(PRAN) with Karvy.
Can I shift/transfer to SBI or any other bank ?
Sir, I am a central govt employee and subscribed to NPS but what if I quit my job and join a private company where there is only Provident Fund (PF) will NPS be a problem in my new job or can I maintain the NPS account from my end and let my employer take care of the PF.
Can one have both NPS AND PF at the same time? Please advise.
I have two NPS Account “NSDL” & “karvy fintech” so how to close “karvy fintech” nps account.
Please suggest
Sir I worked from 2009 to 2017 under basic education deptt ,in 2017 I quit the job and joined secondary education deptt under same state govt .I got pran from basic deptt and now i m using this in the current deptt,
Sir pls tell me how can i shift my pran from basic to secondary deptt?
Hi Sir,
I opened my account online through enps. It says
Tier I Status Frozen – PRAN frozen as KYC verification is pending/rejected by Bank or employee confirmation pending by Corporate
I gave POP as “religare broking limited”. I want that to change to Axis(not mentioned in enps pop list) or State bank of india. How can it be done. I had invested in religare mutual funds that later got changed to invesco. I suspect they will not be able to verify my KYC.
Hello Deepesh
I have gone through your blog and that was very useful for users like me where I do not have much knowledge on this before, thank you so much. I have below queries on 80 CCD if you can help clarifying that would be great
1. I do not have any 80CCD-1 contributions but I have EPF covering all the 1.5k, so I do not want to invest anything in 80CCD-1 but want to use just 50k into 80CCD-1B, can I get this 50k tax benefit through 80CCD-1B without investing anything into 80CCD-1 or should I invest 1.5 lakhs mandatory into 80CCD-1 first to be eligible for additional 50k in 80CCD-1B? In other other-words, if I have only EPF covering 1.5 lakhs and only 50k into NPS part of 80CCD-1B (Zero investment into 80CCD-1), am I eligible to get 2 lakhs totals benefit
2. I also want to get tax benefit from 80CCD-2 by opting NPS from my employer for all 10% of basic (can I invest all 10% of basic), now if I quit the job or change the job where employer does not provide the NPS scheme, what happens to this employer NPS scheme that I invested and how can I maintain this account till I attain 60 years of age?
3. In case if can maintain myself the employer NPS scheme by paying minimum until I join a new employer who has this NPS scheme again, can the same NPS account maintained by me until now be used with new employer
4. At present as I am planning to invest in 80CCD-1B my self through a bank for 50k and also opt for the NPS provided by employer separately, does it mean, I will have 2 different NPS accounts, 1 through the back I would invest in 80CCD-1B and another account through my employer? Is it legal to have 2 separate accounts for one person?
5. If I quit the job or join another employer who do not facilitate employer-NPS, should I merger my personal and corporate accounts?
Appreciate if you could help me with all the question in the same order, thanks in Advance
Thanks, SN
Sir i had a nps account in the year 2004 in a govt department for the nps contribution. I had been resigned the post and joined another department in the year 2006but this department allotted a new nps account for my contributions. Now I want to bring all my contributions to the present nps account. Please help me and give the appropriate suggestions…
Sir I would like know if an individual opens and NPS account prior to joining any state or central government job what will happen to his existing nps account? Will the state government continue with the existing nps account or new nps account need to be opened?
Sir,
I am an ex-serviceman. I reemployed in a central govt department in 2008 and retired on 31.12.2019. I have availed NPS benefits. Now I want to switch from NPS to Old pension scheme. Am I eligible?
Dear Sir,
That is not possible.
Dear sir
I have switched my job from Uttar Pradesh Jal Nigam (As a Junior Engineer) to Uttar Pradesh Irrigation Department (as a AE) i e within same state govt.
1: Do I need to transfer NPS account? And How?
2:Can we contribute in NPS account before transfer or during the transfer process in newly switched office.
HI,
I have swtiched my job from one corporate sector private company to other. In my previous company, I use to do contributions to NPS and they do it as 10% of my basic salary but now in new org. they don’t have NPS. Can you please help me as how can I continue NPS and do monthly contribution in this case.
Hi sir, I am planning to switch from one central government office to another government job, however don’t want to tell new employer about previous office due not giving NOC from previous employer. In this case should I transfer to all citizens type account? Can you please tell roughly how much time it takes to convert?Thanks and Regards, Keshav
Dear sir
1. I have worked in CWC, which is PSU, GOI undertaken there we have CPS system . I have resigned from that job after getting a job in Autonomous body central govt where it has NPS system. Whether I can transfer my previous working organization CPS account (Employye+ emplyer contribition) to current Autonomous body (NPS).
2. or If I want to draw the amount from previous account will I get entire amount of Both Employee and employer contribution. Please clarify my doubt,.
Hi Jyothi,
Yes, you can transfer from NPS account from PSU to the private company.
Thank u sir, But my doubt is that whether money can be transferred from CPS (old organisation) to NPS (New office).
Thank u sir, But my doubt is that whether money can be transferred from CPS (old organisation) to NPS (New office).
Dear Sir,
I opened a eNPS account on kfintech trust (https://enps.kfintech.com) and contributed some ammount last fiscal year. I can see the status on their website and my contribution as well. But this is a private trust to whom GOI approved them to recieved this contribution.
I have a query should i need to continue my contribution with this trust or not. Also if i want to transfer my contribution to govt CRA NSDL, how can i do that, or i will open a new account with govt CRA NSDL.
Regards,
Nikhil
Hello Sir,
I have opened nps account through online and got pop as 5000682 and pop sp 6396950. Now I want to change my address. So if I want to change where I have to submit the form in case of enps online pop mad pop-sp.
Thank you
Hello Sir,
I have opened nps account through online and got pop as 5000682 and pop sp 6396950. Now I want to change my address. So if I want to change where I have to submit the form in case of enps online pop and pop-sp.
Thank you
Sir
I have opened nps account while I was working in a nationalised bank. Now I have resigned from the bank and joined in a state government job where old pension scheme is available. Now if I change from corporate to all citizens then can I have both the state govt pension scheme and nps?
If yes then do I need permission?
Sir’
I have retired from service on 31.08.2020 & in my eNPS account (Fund manager HDFC) total money accumulated is lees tha 2 lakhs. I wish to exit from NPS but don’t know where to deposit exit form along with other documents. In my Transaction Statement POP Reg No. is 5000682 & POP-SP Reg No. is 6396950. Kindly guide me regarding this.
Thank You.
Hi Sidbas,
Contact your PoP (HDFC in this case).
Or you can create request on NSDL CRA website.
I want my contribution goes to tier 2 directly instead of tier 1, is that possible? Thanks
I AM INDIAN railway employe and now i am quit my job and another job start state goverment job and i have some contribution in nps account how to shift my NPS account central goverment job to state goverment
please if you have some information tell me
I AM INDIAN railway employe and now i am quit my job and another job start state goverment job and i have some contribution in nps account how to shift my NPS account central goverment job to state goverment
please if you have some information tell me
Sir,
I have one doubt.
Do the Tamilnadu State Government emloyees CPS number and Indian Postal Department NPS PRAN are same or not?
Dear Sir,
Do the CPS and NPS Accounts are same?
How can we differentiate using account numbers?
Hello Sir,
Hope you are doing well.
Is it possible to migrate NPS account from one bank to other bank, I would like to close my bank account and move the NPS account to new bank account and map all the existing information into it.What would be the procedure for the same.
Thanks in advance.
Hello sir,
recently i shifted from Canara Bank to FCI. In Canara bank I have NPS but in FCI they have their own pension system. Now I want to shift from Canarabank to individual account, for that I got Form-ISS-1. Now I want to know that “where I have to submit this form? along with that what documents needed for this?”
thank you in advance…
Small
Hello Sir,
I have NPS account with KARVY. My employer supports only ICICI. Company have tie up with only ICICI. So employer do not deposit their contribution in to my NPS account. Instead they pay that employer contribution to me in my salary. So my question to you is how can I deposit that employer contribution in my NPS account ? Or can I change / port my NPS account from KARVY to ICICI ?
Hi Vijay,
You can’t deposit employer contribution from your account. Such contribution must be directly contributed to your account by your employer (or you won’t tax benefit for employer contribution under Section 80CCD(2))
You need to shift NPS account from Karvy to NSDL.
I have to NPS account (probable eNPS) in SBI branch near to my office. I want to transfer that SBI account to my present place. Can I transfer my NPS account also?
I have an NPS account. I changed my CRA from Karvy to NSDL. but when i am trying to generate my password for new NSDL account, It is showing ‘User is Inactive’. Why is my account being shown inactive by NSDL? Please help
Dear Deepesh
First and foremost I congratulate you for educating us about the nuances of NPS. Kindly keep up the good work.
My question is, I had NPS account from central govt, I left job in 2012 and I am doing my own practice as a doctor ever since. My arrears kept the account active, now I am contributing marginally to keep it active. I need to shift from govt to all citizens but I WANT TO GO FROM GOVT TO eNPS and not some other POP. Can I do it? If yes, how. If no, them I will find a POP and change.
In case I go to some other POP how early can I switch to eNPS from POP?
Once I change to all citizens, can I switch to active mode(presently I am automatic mode for contribution and want to be more aggressive on equity)
Thanks in advance for you kind guidance
Pradeep Saini
drps7777@yahoo.com
Dear Deepesh,
I recently booked a NPS in the month of February 2021 for my wife. Since her account is a Foreign bank i deposited the contribution through my HDFC savings bank account. Now i got a mail from CRA stating that…..
we wish to inform you that your KYC was rejected by your Bank/POP. We have not received the required documents as on 26/Mar/21. In order to complete your registration process, you are requested to submit the Bank/POP verified eNPS registration form along with supporting documents (like bank statements, etc.) to the below mentioned address – Mumbai address
In case of non-submission of Bank/POP verified eNPS registration form, your PRAN will remain in freeze status and you will not be able to contribute further.
I understand that i have to print the Subscriber Registration Form sign and courier the same to Mumbai here i have an issue In Page5 point 13. To be filled by POP-SP …….. HOW MY SB ACCOUNT HDFC will certify my wife is an existing customer of the bank ?
How to deal this 1) To change my HDFC to joint account and get bank sign and seal 2) Open a separate SB account in a nationalized bank along with a letter to change the bank account
I am confused no one able to give a clear picture on this issue.
Kindly clarify. Regards Balaji – s.baalaji13@gmail.com
If I have both Employer and Employee contribution NPS , how much tax benefit I will receive if i’m in 30% slab?
Dear Sir,
I had opened eNPS account earlier for induvial but in 2018 i have transferred to my company for contribute from my salary. Now I left the company.
I wish to transfer it to Induvial. please suggest what to do for it.
CRA helpline advised to fill the ISS-1 form and submit to nearest bank.
Does SBI do it please confirm.
Hlo Deepesh,
I quitted central job last month (may 2021)………Now, I want to shift my CENTRAL GOVT NPS to ALL INDIA CITIZENS……….Can all the details of my previous job (which I quitted) be hidden ??
If I join any state/central job in future, my previous job details should not be shown while shifting nps a/c from ALL INDIA CITIZENS to CENTRAL GOVT again.
Plz reply sir…and send ur contact number
Hlo Deepesh sir,
I quitted central job last month (may 2021)………Now, I want to shift my CENTRAL GOVT NPS to ALL INDIA CITIZENS……….Can all the details of my previous job (which I quitted) be hidden ??
If I join any state/central job in future, my previous job details should not be shown while shifting nps a/c from ALL INDIA CITIZENS to CENTRAL GOVT again.
Plz reply sir…and send ur contact number
Hi Deepesh,
My wife worked with BOI for 11 years! She is now quitting her job due to family reason! It was invested in SBI Pension Scheme Pvt Ltd Coporate! She is not joining a new job currently.
What can we do either get the amount back or if she not in a position to pay contribution what is the next step?
Hi Gulshan,
She can take out the money since she has completed 10 years in the NPS system. However, in case of withdrawal before the age of 60, 80% of the corpus must be used to purchase an annuity plan. Only 20% can be withdrawn lumpsum.
In case you don’t need the money rigth away, You can also shift to All-Citizens mode. Minimum contribution per annum is Rs 1000.
Hi
Any suggestion ?
while shifting CRA, do we lose all our existing contribution ?