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• You can be in NPS till 85 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.nps-proteantech.in) 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/POP, 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 continuation request should be initiated 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 85 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 85 years of age.
• Multiple deferment options available.
  • Defer only Lump sum withdrawal
  • Defer only Annuity
• All you need to do is initiate deferment request online by accessing CRA system (www.cra.nps-proteantech.in) 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/POP, 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 deferment request should be initiated 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 (after attaining of retirement age)

• 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.nps-proteantech.in) and select option Manage My Withdrawal >Exit from NPS ->Initiate request.
• Provide the related details such as percentage for Lump Sum Withdrawal, percentage for annuity withdrawal, marital status, spouse details, Annuity Service Provider (ASP) of your choice, Annuity scheme etc.
  As per PFRDA Exit Guidelines, in case, the accumulated pension wealth of the Subscriber is equal to or less than Eight lakh rupees, the Subscriber shall have an option to withdraw the entire accumulated pension wealth.
• Upload scanned of KYC documents (Identity & Address Proof) for seamless processing of Exit request. Upload of scanned documents is mandatory.
• Submit the request by entering the One Time Password (OTP) sent on your registered Mobile Number.
• Submission of request through digital signature (OTP/eSign) - You need to digitally sign the request through OTP Authentication/eSign. In case of OTP Authentication, two distinct One Time Password (OTP) will be sent on Mobile Number and Email ID registered in CRA. For eSign, OTP will be sent on your Mobile Number registered with Aadhaar.
  Here option is given to Subscriber to opt for SLW to get Pension from Lumpsum portion also. For more information on SLW, please visit www.npscra.proteantech.in.
• On successful submission of request through digital signature, your request will be sent to your associated Nodal Office/POP for online authorisation in CRA system. Nodal Office/POP will verify your KYC details and authorize Exit request. Physical Withdrawal Form is not required to be submitted to Nodal Office/POP.
• If OTP Authentication / eSign is not possible or if you are not able to initiate Exit request online, you can fill-up the physical Withdrawal Form (along with KYC documents and bank proof) and submit it to your associated Nodal Office/POP for further Processing. You can download form from CRAwebsite (www.npscra.proteantech.in) available under “Central Government/ State Government – Forms” Section.
• Subscriber can update Bank/Address details online in CRA system (www.cra.nps-proteantech.in) by logging with PRAN as User ID & Password. Alternatively, the Subscriber can submit physical request to associated Nodal Office/POP for modification of details and then initiate exit request.

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.

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