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• You can be in NPS till 75 years of age and continue to avail tax benefits.
• NPS allows Subscriber an exclusive Tax Benefit upto Rs. 50,000 u/s 80CCD(1B) over and above the limit of Rs. 1.50 Lakh u/s 80C.
• All you need to do is initiate the continuation request online by accessing CRA system (www.cra-nsdl.com) using your User ID (PRAN) & Password.
• Select option “Manage My Withdrawal->Continuation/Deferment ->Initiate request. Enter necessary details and submit ‘’Continuation’’ request. Get the request authorize from Nodal Office, in case of Government sector and from Point of Presence (POP), in case of All Citizens of India & Corporate sector.
• Alternatively, you can approach your Nodal Office/ POP and submit physical request.
• Please ensure that the request for continuation should be initiated till 15 days before the attainment of retirement/60 years of age.
• In case of All Citizens of India sector Subscribers, the NPS Account gets automatically continued till 75 years of age (as per PFRDA Exit Regulations) and there is no need to initiate separate continuation request.
• You will continue to enjoy all the facilities and options of normal NPS account like access to CRA system, option to switch fund managers and assets class etc. during the continuation period.

• You can defer your Withdrawal and stay invested in NPS up to 75 years of age.
• Multiple deferment options available.
  • Defer only Lump sum withdrawal
  • Defer only Annuity
  • Defer Both i.e. Lump sum withdrawal as well as annuity
• You have an option to withdraw deferred lump sum amount in a phased manner over a period of 15 years or withdraw anytime the entire amount.
• All you need to do is initiate deferment request online by accessing CRA system (www.cra-nsdl.com) using your User ID (PRAN) & Password.
• Select option “Manage My Withdrawal->Continuation/Deferment ->Initiate request. Enter necessary details and submit ‘’ Deferment’’ request. Get the request authorize from Nodal Office, in case of Government sector and from Point of Presence (POP), in case of All Citizens of India & Corporate sector.
• Alternatively, you can approach your Nodal Office/ POP and submit physical request.
• Please ensure that the request for deferment should be initiated till 15 days before the attainment of retirement age/completion of 60 years of age. Further, kindly note that Subscriber is not allowed to contribute during the Deferment period

• If you do not wish to continue your NPS account or defer your Withdrawal, you can exit from NPS anytime.
• Log in to CRA system (www.cra-nsdl.com) using your User ID (PRAN) and Password.
• Log-in to CRA system and select option Manage My Withdrawal >Exit from NPS ->Initiate request. Enter necessary details including choice of Annuity Service Provider (ASP) and Annuity Scheme which will provide you pension, upload supporting documents.
• The Nodal Office will verify and authorize the withdrawal request online in CRA.
• Once the details are submitted, you need to print the system generated Withdrawal Form, paste photograph, sign across photograph and against the declaration and submit the form along with KYC documents to respective Nodal Office, in case of Government sector and from Point of Presence (POP), in case of All Citizens of India & Corporate sector.
• The Nodal Office will verify the form along with the attached documents and authorized the withdrawal request online in CRA.
• If you are not able to raise withdrawal request online, you can fill up the physical Withdrawal Form and submit it to the respective Nodal Office/POP who will initiate the online withdrawal request on your behalf. You can download Withdrawal Form from Forms section under respective sector on this website.

Please ensure that your updated details (such as PAN, address, contact details, Bank details, nomination details etc.) are registered in your NPS account before initiating withdrawal. If you wish to update any registered details, please update online by accessing CRA system or submit Form S2 to your associated Nodal Office/POP. You can download Form S2 from Forms section under respective sector on this website.

Sharing of details with Annuity Service Providers (ASPs) – ASPs are Indian Life Insurance companies appointed by PFRDA to provide annuity (pension) to Subscribers. ASPs will be contacting you for annuity purchase & for completion of related annuity formalities. Please give your consent for sharing your details (PRAN, Name, Date of retirement, Address & Contact details, etc.) with ASPs. You can give your consent visiting website www.cra-nsdl.com and select option “Subscriber Consent to share contact details with ASP”. This option is available on the website on left hand side of screen. Subscriber has to enter PRAN, DOB & Captcha. On next step, OTP will be sent on registered mobile number of Subscriber. Once OTP is entered & authenticated, consent will be captured for PRAN.

Subscribers registered on or after July 1, 2014 are mandatorily required to submit FATCA Self–certification. For more information on FATCA self-certification, click on https://www.npscra.nsdl.co.in/FATCA-Self-Declaration.php

• For more information about Exit process, refer withdrawal related Standard Operating Procedures (SOPs) and FAQs at https://www.npscra.nsdl.co.in
• YouTube channel “NPS Ki Pathshala”: Visit our dedicated YouTube channel and watch videos on Exit & withdrawal process & other NPS related topics https://www.npscra.nsdl.co.in/video.php