eNPS - National Pension System

NPS Trust welcomes you to 'eNPS' ,an online platform that allows a Corporate to register online and process contribution of their underlying Subscribers under NPS

Instructions for Online Corporate Registration

CORPORATE REGISTRATION

Any individual can open a Pension account under NPS through eNPS using one of the following options

Option 1 - Registration using Aadhaar Offline e-KYC

✔ You must have an Aadhaar Registered Mobile Number

✔ You are requested to upload Aadhaar Paperless Offline e-KYC ZIP file. If Zip File is not generated, Click Here to login with Aadhaar and download e-KYC ZIP File from UIDAI website. Please note UIDAI website best support on Google Chrome 6.0+ | Internet Explorer 9.0+ | Safari 4.0+

✔ Enter the Share code of 4-characters created at UIDAI website

✔ Demographic details (Name, Gender, Date of Birth, Mobile no., Address and Photo) will be fetched from Aadhaar Offline e-KYC Zip after Successful authentication and other mandatory details need to be filled up online.

✔ You need to upload scanned copy of PAN card and Cancelled Cheque in *.jpeg/ *.jpg/ *.png /*.pdf (unsigned) format having file size between 4KB - 2MB

✔ You need to upload your scanned Signature in *.jpeg/ *.jpg/ *.png format having file size between 2KB - 5MB

✔ You will be routed to a payment gateway for making the payment towards your NPS account from Internet Banking

✔ Subscriber have an option to follow OTP Authenticate or eSign the registration form

✔ Contributions are credited in PRANs on T+2 basis (subject to receipt of clear funds from Payment Gateway Service Provider)

Option 2 - Registration using PAN (KYC verification by Bank/Non Bank POP)

✔ You must have a 'Permanent Account Number' (PAN)

✔ Bank / Demat /Folio account details with the empanelled Bank/Non-Bank for KYC verification for subscriber registration through eNPS

✔ Your KYC verification will be done by the Bank/Non-Bank POP selected by you during the registration process. Name and address provided during registration should match with POP records for KYC verification. If the details don't match, the request is liable for rejection. In case of rejection of KYC by the selected POP, the applicant is requested to contact the POP

✔ You need to fill up all the mandatory details online

✔ You need to upload scanned copy of PAN card and Cancelled Cheque in *.jpeg/ *.jpg/ *.png format having file size between 4KB - 2MB

✔ You need to upload your scanned Photograph and Signature in *.jpeg/ *.jpg/ *.png format having file size between 2KB - 5MB

✔ You will be routed to a payment gateway for making the payment towards your NPS account from Internet Banking

✔ Subscriber have an option to follow OTP Authenticate or eSign the registration form

✔ Contributions are credited in PRANs on T+2 basis (subject to receipt of clear funds from Payment Gateway Service Provider)

Option 3 - Registration using Driving License through Digilocker

✔ You must have an valid Driving License uploaded in Digilocker

✔ Demographic details (Name, Gender, Date of Birth, Address and Photo) will be fetched from Digilocker after Successful authentication and other mandatory details need to be filled up online.

✔ You need to upload scanned copy of PAN card and Cancelled Cheque in *.jpeg/ *.jpg/ *.png /*.pdf (unsigned) format having file size between 4KB - 2MB

✔ You need to upload your scanned Signature in *.jpeg/ *.jpg/ *.png format having file size between 2KB - 5MB

✔ You will be routed to a payment gateway for making the payment towards your NPS account from Internet Banking

✔ Subscriber have an option to follow OTP Authenticate or eSign the registration form

✔ Contributions are credited in PRANs on T+2 basis (subject to receipt of clear funds from Payment Gateway Service Provider)

✔ Subscriber have an option to follow OTP Authenticate or eSign the registration form

In addition, NRI subscribers should,

✔ Select the Bank Account Status i.e., Non-Repatriable account or Repatriable account

✔ Provide the NRE/NRO bank account details and upload scanned copy of passport

✔ Select the preferred address for communication i.e., Overseas Address or Permanent Address (communication at overseas address would entail extra charges)

Processing of Subsequent Contribution:

All existing Subscribers (Registered through both online and offline mode) can contribute in Tier I & Tier II account using 'eNPS'. To contribute online, you need to

✔ Have an active Tier I / Tier II account

✔ Authenticate your PRAN using the OTP sent to your registered mobile number

✔ Pay through your Debit / Credit card or UPI or use Internet Banking option. Click Here to know more about UPI

✔ POP Service Charges will be applicable on the contribution amount @ 0.10% (subject to minimum of ₹ 10 and maximum of ₹ 10,000 per transaction). This service charges will not be applicable for subscribers registered in eNPS.

✔ Contributions are credited in PRANs on T+2 basis (subject to receipt of clear funds from Payment Gateway Service Provider)

For queries please contact : 022 - 2499 3499 or Click Here

➤ Unified Payments Interface (UPI) is an instant real-time payment system works by instantly transferring funds from a mobile platform. With a UPI-enabled bank account, you can simply create a UPI ID(Virtual Payment Address) which can be used to send/ transfer money.

➤ User has to select UPI as mode of payment option. Payment through UPI is only upto Rs.2000/-(Including Charges).

Steps for Activating UPI:

✔ Download the UPI application from the App Store/Banks website

✔ Register UPI ID (VPA) of your choice e.g., abc@upi

✔ Set MPIN for authentication of transaction

✔ Link the bank and account number with the VPA

Contribution in NPS using UPI:

✔ User has to select UPI as mode of payment option. Payment through your UPI is only upto Rs.2000/-(Including Charges).

✔ Provide the Virtual Payment Address (VPA)

✔ Payment notification will be received on UPI application

✔ User has to login to UPI application and confirm the transaction within the defined time limit

✔ User needs to enter the MPIN to authenticate the transaction

Clarification/Guidelines on filling details if applicant residence for tax purposes in jurisdiction(s) outside India

✔ Jurisdiction(s) of Tax Residence: Since US taxes the global income of its citizen, every US citizen of whatever nationality, is also a resident for tax purpose in USA.

✔ Tax Identification Number(TIN): TIN need not be reported if it has not been issued by the jurisdiction. However if the said jurisdiction has issued a high integrity number with an equivalent level of identification(a "Functional equivalent"),the same may be reported. Examples of that type of number for individual include, a social security/insurance number, citizen/personal identification/services code/number and resident registration number)

✔ If applicant residence for tax purpose in jurisdiction(s) within India, Permanent Account Number(PAN) to be provided as Tax Identification Number(TIN)

✔ In case applicant is declaring US person status as 'No' but his/her Country of Birth is US, document evidencing Relinquishment of Citizenship should be provided or reasons for not having relinquishment certificate is to be provided

List of Banks associated with SBIePay

The detailed process flow for online corporate registration is provided below:

a. Registration of Corporate in eNPS

➤ The Corporate entity (User) is required to access the eNPS portal (https://enps.nsdl.com/eNPS/LandingCorp.html) and click on the menu provided on "Corporate Registration".

➤ The User is now required to click on the radio button "New Corporate Registration" and fill the mandatory details viz., Corporate/Company PAN, Corporate/Company TAN, Compliance Officer's name, email ID of Compliance Officer, Service Provider (POP) & enter Captcha. On completion of details, User is required to click on "Generate Acknowledgement Number" option.

➤ Once the User clicks on "Generate Acknowledgement Number" option, an acknowledgement no. is generated and displayed on the screen. Further, an email regarding the details of Acknowledgement Number is also sent to Compliance officer email ID.

➤ Once the user clicks on "Ok" button, User will be taken to next page wherein User will have to enter Personal details, Contact details, Nodal Officer's Details (Compliance Officer) and Alternate Nodal Officer's details (Alternate Compliance Officer) as shown in below Figure 3. The User is required to fill all the mandatory fields and click on "Save and Proceed".

➤ The User will have to enter Bank details, Scheme details, Other details and click on "Save" option

➤ On clicking the "Save" option, a confirmation screen with the captured details (Personal/Contact/Compliance details) will be displayed to the User. The User is required to verify the details and in case, any of the details are incorrect, User needs to click on "Edit" button & update the details. If the details are correct, User is required to click on "Next" tab (on the right hand side bottom corner).

➤ On clicking the "Next" tab by User, a confirmation screen with the captured details (Bank/Scheme/Other details) will be displayed to the User as shown below in Figure 6. The User is required to verify the details and in case, any of the details are incorrect, User needs to click on "Edit" button & update the details. If the details are correct, the User is required to click on "Submit".

➤ On clicking of "Submit" option, system will display the Acknowledgement Number with an option to download the PDF.

➤ The User will have to download the PDF version of the Corporate Registration Form with the details provided during registration. The User is required to verify details on the downloaded Application Form and submit the duly signed form to the preferred POP (selected at the time of online registration) for authorisation in the CRA system.

b. Authorisation of Corporate by POP in the CRA system.

➤ The concerned POP User will login into CRA system and select the option "Corporate Registration Authorise".

➤ The User is required to enter details such as Corporate Acknowledgment ID or date range to search.

➤ Based on the search criteria provided, the Acknowledgement ID(s) pending for confirmation will be displayed to the User.

➤ The User will have to click on the hyperlink appearing on Acknowledgement Number to view the Corporate Registration details. On clicking the hyperlink, Personal/Contact/Compliance details will be displayed.

➤ If the Personal/Contact/Compliance details are correct, the User is required to click on "Next" tab (displayed in bottom right corner of the screen).

➤ After clicking on "Next" tab, the Bank/Scheme/Other details will be displayed. If the Bank/Scheme/Other details are correct, the User is required to click on "Accept" button and submit details. In case of any incorrect details, the User is required to reject the request by clicking the 'Reject' button. However, in case of rejection, the rejection reason will be mandatory.

➤ On successful acceptance of the Corporate registration, a confirmation screen will be displayed to the User along with the Corporate Head Office (CHO) and Corporate Branch Office (CBO) registration Number.

➤ The POP User needs to mention the registration number allotted by the CRA system on the application form received from Corporate and submit the duly authorised form to CRA.

Instructions for Print APY PRAN Card

✔ Subscriber will be mandatorily required to provide PRAN and Date of Birth (DOB).

✔ Post verification of PRAN and Date of Birth (DOB), an OTP will be sent to Subscriber's mobile number registered under APY.

✔ The Subscriber will enter the OTP on the screen The OTP validation will act as the required authentication.

✔ Once the OTP is validated, the registered address will be displayed where the PRAN card would be delivered.

✔ On confirming the registered address, the charges payable by Subscriber will be displayed.

✔ The Subscriber will be directed to Payment Gateway where he has to give the declaration and make payment.

✔ On confirmation of payment at Payment Gateway Service Provider (PGSP) portal, the system will display an acknowledgment to the Subscriber.

✔ PRAN card will be printed and dispatched to the Subscriber to their registered address under APY.

✔ Subscriber can check the status of PRAN card by selecting view Request Status wherein PRAN and Date of Birth (DOB) needs to be provided.

To contribute using eNPS platform, you should have

➤ Registered with Central Recordkeeping Agency (CRA)

➤ An active Digital Signature Certificate (DSC) based User ID

➤ Underlying employees registered with NPS

Contribution can be uploaded only for the PRANs which are in active status. The Subscriber Contribution File (SCF) can be prepared from your back-office. As an alternative, SCF can be prepared using File Preparation Utility (FPU) and File Validation Utility (FVU).

To process the contribution, the following steps need to be followed by the Corporate

✔ Contribution file needs to be prepared using the File Preparation Utility (FPU)

✔ The file needs to be verified using the File Validation Utility (FVU)

✔ The file needs to be uploaded in eNPS using the DSC based user ID

✔ On successful upload of the verified file, a unique 'Transaction ID' will be generated in eNPS

✔ Corporate needs to transfer the fund online against a Transaction ID

✔ Once the contribution is credited to Subscribers' PRAN, SMS and Email alerts are sent to the Subscribers' from CRA.

➤ "APY Registration" to open an eAPY account with the help of Aadhaar based offline e-KYC.
As per directive from the Government of India, from 1st October 2022 onwards, Income Tax Payer is not allowed to open APY Account.

➤ "APY Lead Generation" Subscriber need not visit the APY-SP Branch as account can be opened by both potential Subscriber or an Well-wisher who wants to facilitate account opening for people whom he / she knows.

➤ "Migrating Swavalamban Subscribers" The facility of online migration of Swavalamban Subscriber to APY.

➤ "Print APY PRAN Card" an online platform that allows a Subscriber to raise request to Print APY PRAN Card under APY through Payment Gateway.

Instructions for Print APY PRAN Card

APY REGISTRATION APY LEAD GENERATION MIGRATING SWAVALAMBAN SUBSCRIBERS Print APY PRAN Card

➤ Now Tier II Tax Saving Scheme is enabled for Central Government Susbcribers.

➤ Tier II Account is mandatory to invest in Tier II Tax Saving Scheme.In case you have Tier II account and wish to invest in Tier II Tax Saving Scheme click here and start investing.

➤ For activation of Tier II Tax Saving Scheme minimum contribution of Rs. 1000 and subsequent contribution can be minimum to Rs. 250

➤ You are allowed to select maximum three PFMs in Tier II Tax Saving Scheme and the contribution will be blocked for 3 years.

➤ Contribution in Tier II Tax Saving Scheme can be claim for excemption under Section 80C.

In case you don't have active Tier II account Click here and select the option 'Tier II Activation' under menu 'NATIONAL PENSION SYSTEM'. You may also visit POP(NPS Service Provider) registered with CRA to activate Tier II account.

NPS Trust welcomes you to 'eNPS' ,which will facilitate:-

➤ "Registration" to open an individual pension account under NPS. By using this option, an Indian Citizen between 18-70 years can open 'Tier I' or 'Tier I and Tier II both' types of account, an NRI/OCI individual can open only 'Tier I' account. You need to OTP Authenticate \ eSign your Subscriber Registration form using this option.

➤ "Contribution" to make Subsequent Contribution to your Tier I or Tier II account under NPS. Swavalamban account holders can also make Subsequent Contribution through this option. CRA charges are applicable on such transactions and will be recovered separately by way of units deduction from Subscriber NPS account.The investment will take place on T+2 working days basis (subject to receipt of clear funds from PGSP)

➤ "Tier II Activation" for activation of Tier II account under NPS. All existing Subscribers who have an active Tier I account can activate Tier II account using this option. Note: No charges is levied for the activation of Tier II account.

➤ "Get Same Day NAV (D-Remit)" for Registration of Virtual Account number for making seamless Investment directly through your Bank Account. Same day NPS Investment (T+0) facility can be availed through Direct Remittance (D-Remit) process (as per pre-defined cut-off time for receipt of funds at Trustee Bank).

➤ "Annual Transaction Statement on Email" for receiving your Annual Transaction Statement for NPS transactions on your registered email ID. This is part of Go-Green initiative of Protean eGov-CRA.

➤ "Instant Contribution through UPI ID" PFRDA.15digitVirtualAccount @ axisbank (15 Digit Virtual Account starts with 600101 (Tier I) and 600102 (Tier II)).

REGISTRATION
CONTRIBUTION
(NAV T+2)
TIER II Regular /
Tax saving scheme (TTS) Activation
Get Same Day NAV
(Register for D-Remit)

ANNUAL TRANSACTION STATEMENT ON EMAIL

Get Same Day NAV (D-Remit)

1) "Generate Virtual ID" for Direct Remittance (D-Remit) process for same day NPS Investment (T+0) (as per pre-defined cut-off time for receipt of funds at Trustee Bank)

2) Facility to generate Virtual ID (VID) for your Tier I account and /or Tier II account

3) Minimum contribution of Rs. 500 with flexibility to contribute at any point of time

4) With this feature, you have an option to set Standing Instruction for Investment in your NPS account at pre-defined frequencies. The facility to set Standing Instruction in your bank account is provided by your Bank through Net Banking.

Click "Continue" to generate Virtual ID and start your Investment

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Migration of Swavalamban Subscriber to APY

The facility of online migration of Swavalamban Subscriber to APY requires OTP authentication. You need to ensure that your mobile number in CRA records is registered with UIDAI (Aadhaar service provider) for OTP authentication. Further, your name should exactly match with Aadhaar records to eSign migration request. The process will be completed after successful eSign and submitting the OTP details.

Please confirm, if you want to proceed further. In case your above details does not match with Aadhaar records, Please connect with respective POP (APY Banks) to process the migration request.

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