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Operational Framework of the Scheme

Opening an Account

▪ The account shall be opened under the scheme by the natural/legal guardian in the name of the minor, who shall be the sole beneficiary.

▪ The NPS Vatsalya Permanent Retirement Account (PRA) can be opened by parents/guardians through following modes: -
a. Online: eNPS or App/portals provided by Points of Presence (PoPs)/CRAs
b. Offline: Points of Presence (PoPs)

▪ The account shall be operated by the guardian for the exclusive benefit of the minor until the attainment of the age of majority (18 years).


Choice of Pension Fund

a. Guardians can choose any one pension funds that are registered with the PFRDA to manage investments.

b. The investment of the contributions shall be managed by the Pension Funds.


Documents Required:

For Minor

a. Date of birth of the minor: Birth Certificate, School Leaving Certificate, Matriculation Certificate, Permanent Account Number (PAN), or Passport.

b. The minor's sole or joint bank account details are optional for resident Indians, while mandatory in case of NRI/OCI. Bank account details shall be mandatory at the time of partial withdrawal or exit on the attainment of the age of 18 years.


For Guardian

a. KYC of the guardian: Aadhaar, Driving License, Passport, Voter ID card, National Rural Employment Guarantee Act (NREGA) Job Card, or National Population Register documents. In case of a court appointed legal guardian, a copy of the court order in respect of the appointment of the Legal Guardian shall be submitted along with the KYC documents.

b. PAN of the guardian or Form 60 declaration.

c. A unique Pension Retirement Account Number (PRAN) in the name of the minor subscriber shall be issued by the concerned CRA.

d. Upon attainment of 18 years of age, the account of the subscriber shall continue to be operational and will opt for shifting into NPS-Tier 1 Account- All Citizen Model.

e. Upon attainment of 18 years of age, a fresh KYC of the subscriber be carried out during the period 3 years up to 21 years as specified by PFRDA from time to time. The contribution shall be allowed into the NPS Tier-1 Account, post submission of fresh KYC.

f. On shifting into NPS-Tier I account upon attaining majority, the features, benefits, including exit norms under the NPS-Tier-I -All Citizen Model shall be applicable.