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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.
• Click on “Exit from NPS” Menu and click on “Request for Deferment” option. 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 age. If request is not initiated before 15 days of retirement, Subscriber needs to obtain an approval from NPS Trust and submit request to CRA.
• 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.
• Click on “Exit from NPS” Menu and click on “Request for Deferment” option. 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.
• Click on “Exit from NPS” menu and click on “Initiate Withdrawal request” option
• Enter necessary details including choice of Annuity Service Provider (ASP) and Annuity Scheme which will provide you pension.
• 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.

The complete information about ASPs, their contact details, annuity calculator for annuity quotes etc. is available on CRA website at: https://npscra.nsdl.co.in/nps-exit-option.php

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://npscra.nsdl.co.in/FATCA-Self-Declaration.php.

• You can watch video on Continuation & Deferment process available on our dedicated YouTube channel “NSDL - NPS Ki Pathshala” at https://bit.ly/2ZLzTkB and on “Online Withdrawal Processing by Subscriber” at https://bit.ly/2vyuhfK
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• You can also watch Demo on initiation of Continuation & Deferment and on Initiation of Withdrawal request by Subscriber at https://npscra.nsdl.co.in/subscribers-corner-knowledge-centre.php
• You may also watch other videos related to NPS & its features which are available on our dedicated YouTube channel at https://bit.ly/2WMMamV and also on CRA website at https://www.npscra.nsdl.co.in/video.php.