National Pension Systems

FAQ INDEX

Q1. What is NPS?

Q2. What are the different NPS models and which model do we follow at Accenture?
Q3. What is the benefit of NPS Corporate model?
Q4. Who all are Eligible for NPS in Accenture?
Q5. Who is POP for NPS for Corporate Model in Accenture?
Q6. What I have to do for Opening New NPS account under Corporate model in Accenture?
Q7. What is PRAN and PRAN Card, how do I get the same?
Q8. Where I should update the PRAN Number?
Q9. What I have to do in order to contribute for NPS in Accenture and what should I know when I
opt for this scheme?
Q10. Can I reduce my % of contribution towards NPS during my tenure with Accenture?
Q11. During which period of the Accenture Cycle an Employee can Join this scheme in the Year?
Q12. When will my deduction towards NPS deposited to my NPS Account (PRAN)?
Q13. I have declared for contribution towards NPS but have not provided PRAN as it is not active.
What will happen to me deduction of NPS contribution?
Q14. I have an Existing NPS Account what process I need to follow for POP Change?
Q15. What are the Investment options available under NPS Corporate?
Q16. Will I have an option to select Pension Fund (PF) and Investment Option?
Q17. How should I submit my Application if I am working at a client location?
Q18. What is the cost that the employee will incur toward NPS account opening/maintenance?
Q19. Do I need to deposit any minimum amount at the time of submission of NPS application form?
Q20. Can I have more than one NPS account/What do I do if I already have an NPS account?
Q21. What will be the frequency of deduction of my contribution toward NPS?
Q22. Can I increase or decrease the %contribution in subsequent years?
Q23. Will I get an alert once my contribution has been credited to my NPS account?
Q24. What is the minimum annual contribution to keep my NPS account active?
Q25. How will I know if my annual contribution toward NPS is less than INR1,000?
Q26. How will the differential amount be adjusted if my annual contribution toward NPS is less than
INR 1,000?
Q27. Where can I view my contribution toward NPS?
Q28. Will I receive any physical statement for NPS account?
Q29. How do I get the Statement of Transaction (SOT) on an ad-hoc basis?
Q30. What happens if the minimum annual contribution of INR1,000 is not invested in NPS
account?
Q31. What is the process of unfreezing the NPS account?
Q32. Can I change/modify the data in NPS after joining?
Q33. Can I request for a duplicate PRAN card?
Q34. Whom should I contact in case of any queries related to enrolment or deductions toward NPS?
Q35. Is a nomination facility available under NPS Corporate model?
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Q36. Who can be a nominee, how many nominees can be there and how are the details to be filled in
the form?
Q37. Can a minor be a nominee?
Q38. In case of PF, I can withdraw some amount for housing or child’s marriage etc. Do I have such a
facility under NPS?
Q39. Can I exit before 60 years? Can I deactivate my NPS Account at any point of time?
Q40. How will I receive the pay-out if I exit from NPS before attainment of superannuation? What
happens to my investments under NPS if contribution is discontinued before retirement?
Q41. Is it mandatory to withdraw the amount immediately at the time of exit from NPS?
Q42. If I leave the job, what would happen to my NPS account?
Q43. What benefits would family of employee get when the employee (covered under NPS) expires
during the service?
Q44. When can I withdraw the amount?
Q45. Do I have to pay any taxes at the time of withdrawal or on maturity of NPS?
Q46. What is annuity?
Q47. Who can select Annuity Service Provider (ASP)? Employee or Employer?
Q48. What are the different types of annuities providing for monthly pension available under NPS?
Q49. Which are the ASPs empaneled by PFRDA?
Q50. Do I have the facility of loan/advances under NPS? Can lien be marked on NPS account?
Q51. Annexure

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Q1. What is NPS? back

Ans: National Pension System (NPS) is a voluntary, defined contribution retirement savings scheme
initiated by the Government of India. It has been designed to enable systematic savings during
an employee's working life. It is an attempt at finding a sustainable solution to provide adequate
retirement income which is low cost, tax-efficient and flexible.

Q2. What are the different NPS models and which model do we follow at Accenture? back
Ans: There are two models—Corporate NPS model and All Citizen model. Corporate NPS model is
applicable for all Accenture employees.

Q3. What is the benefit of NPS Corporate model? back

Ans: Individuals who are employed and contributing to NPS may avail tax benefits on their own
contributions as well as their employer’s contribution as under:

(a) Employee’s own contribution under 80CCE: Eligible for tax deduction up to 10% of
salary (basic + DA) under Section 80CCD(1) within the overall ceiling of INR1.5 L.
(b) Employees’ own contribution under 80CCD :- Eligible for tax deduction up to 50,000
under section 80CCD(1B) over and above limit of Rs. 1.5 L provided under Sec 80 CCE
(c) Employer’s contribution: The employee is eligible for tax deduction of up to 10% of
salary (basic + DA) contributed by employer under Section 80CCD(2) over and above the
limit of INR1.5 lac provided under Section 80 CCE (no upper cap)

80CCD(1) 80CCD(1B) 80CCD(2)

By Employee Directly By Employee Directly Company Deposit Directly
Upto Rs.150,000 (part of Upto Rs.50,000 (additional) Upto 10% of Basic Salary
80CCE) If there are no other Over and above 80C
80C investments

Q4. Who all are Eligible for NPS in Accenture? back

Ans: All employees whose fixed pay greater than Rs.300,000 p.a.

Q5. Who is POP for NPS for Corporate Model in Accenture? back
Ans: ICICI Bank is Points of Presence for Corporate Model of NPS in Accenture.

Q6. What I have to do for Opening New NPS account under Corporate model in Accenture?
back
Ans: The following are steps to become an NPS member:
 Download application form from Allsec (under FAQ & NPS -> New NPS Account Form
 Employee to fill the application form completely and provide two sets of clear copies of
ID & Address proof (duly self-attested) and two passport size colour photograph,

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 Duly filled application along with documents / photos has to be handed over to POP that
is signed agreement with Accenture. From time to time, employees are provided such
information.
 Application form is processed at the ICICI Bank processing center. Any rejections from
processing center will be intimated to the employees. This activity will take 3- 4 working
days
 Once the PRAN is generated, the physical form & all documents of customer are sent to
NSDL repository where all the physical documents are stored.
 Upon receiving the physical documents, NSDL will create a PRAN card, I-PIN & T-PIN and
couriers the same to Employees’s communication address within 7 working days.
 Once Employee receives his PRAN card and I-PIN, he can access his NPS account through
CRA site (https://cra-nsdl.com/CRA/) and track the details.

Q7. What is PRAN and PRAN Card, how do I get the same? back
Ans: The National Pension System (NPS) is based on a unique individual Permanent Retirement
Account Number (PRAN) created for individual subscribers. This PRAN registration is to be done
with National Securities Depository Limited (NSDL) who are Central Record Keeping Agency
(CRA) for NPS. In this NPS system, a subscriber shall periodically contribute savings into his/ her
PRAN while he/ she is working through the designated Points of Presence (POPs) and shall use
the accumulations at retirement to procure a pension for the rest of his/ her life.

The accumulated savings amount will be reflected in his/her PRAN while he/she is working and
shall use the accumulations at retirement to procure a pension for the rest of his/her life.
Subscribers in this system shall enjoy certain facilities and rights including portability across jobs
and locations, choices of selection of Pension Funds and investment schemes, freedom to switch
between service providers and nationwide access. PRAN will generated from system and PRAN
Card will come from NSDL

Q8. Where I should update the PRAN Number ? back

Ans: Employee has to update the PRAN Number in Allsec under Master Setup. Once PRAN is
submitted, cannot be modified.

Q9. What I have to do in order to contribute for NPS in Accenture and what should I know when I
opt for this scheme? back
Ans:
 Employee need to declare in Allsec in order to contribute for NPS in Accenture. Once
Employee opted NPS, then he needs to enter the % of the contribution. The % should be
1 to 10 with one decimal value i.e employee can update the % as 1.5 , 2.6 & 10 and not
2.66, 0.9,10.1.
 Once employee updated the % , then the amount will be calculated by default (monthly
earned basic * % ) .

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 Employee can increase the NPS % contribution at the time of salary revision. Also the
amount of NPS contribution will be automatically calculated and updated based on the
revised Basic at the time of Salary revision. Employees can contribute upto 10% of basic
salary in NPS.

Q10 Can I reduce my % of contribution towards NPS during my tenure with Accenture? back
Ans: Employee cannot reduce the % of contribution towards NPS during his tenure with Accenture
nor he can opt out of the scheme.

Q11. During which period of the Accenture Cycle an Employee can Join this scheme in the Year?
back
Ans: Enrolment is allowed in the first two months of Comp Plan page opening for exiting employees
in April & May for and for New Joiners for first two months of Comp Plan Page Opening. Also
whenever revisions happen employee can join the scheme.

Q12. When will my deduction towards NPS deposited to my NPS Account (PRAN)? back
Ans: Once employee submitted the Comp Plan with NPS, then he /she need to update his/her PRAN
in master set up within the due date i.e 17th of the month to enable Accenture to deposit the
NPS eligibility amount to his/her NPS account. If employee fails to submit within the due date,
then the NPS eligibility amount will be paid along with current month salary as “Exgratia” as
taxable. NPS eligibility will be calculated like other salary components. PRAN updated after the
due date will be deposited in PRAN in the next month contribution provided employee updates
PRAN by 17th of next month.

Q13. I have declared for contribution towards NPS but have not provided PRAN as it is not active.
What will happen to me deduction of NPS contribution? back
Ans: If employee fail to submit PRAN details within the due date, then the NPS eligibility amount will
be paid along with current month salary as “ Exgratia”. NPS eligibility will be calculated like other
salary components.

Q 14 I have an Existing NPS Account what process I need to follow for POP Change? back
Ans:
 Accenture employee with existing NPS account to collect application form of conversion
from POP or can be download the same from Allsec (FAQs & NPS – NPS Conversion
Form)
 Employee to fill the application form completely and provide a copy of PRAN card along
with application form. POP representative will verify the application form in presence of
the applicant and inform the applicant in case of any changes to be made. After that
the NPS form will be sent for processing at POP processing center Any rejections from
processing center will be intimated to the employees. This activity will take 4 - 5 working
days.

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 POP/Scheme will be changed within 3 working days from the day the applicant submits
the complete application. The same will be intimated to the applicant.
The applicant can access the details through CRA site (https://cra-nsdl.com/CRA/) and
track the details.

Q15. What are the investment options available under NPS Corporate? back
Ans: There are three types of on individual funds where a person may invest money:

 Asset Class E: Investment in predominantly equity market instrument

 Asset Class C: Investment in fixed income instruments other than government securities
 Asset Class G: Investment in government securities
Based on the above, the PoP will provide both the investment options available under NPS
corporate:

Active choice: In active choice, you have to select a Pension Fund Manager (PFM) and mention
the ratio of funds to be invested among E, C and G. You can specify the percentage in which
your money is to be invested in these asset classes. However, allocation in equity cannot be
more than 50 percent.
Auto choice: Within the auto choice, there is a lifecycle fund and you need to select a pension
fund. Your funds will be invested as per the lifecycle fund matrix based on your age. You will
enjoy the flexibility to choose one out of the eight PFMs and the percentage in which the
selected PFM will invest the funds.
Employees are encouraged to make themselves conversant with the investment norms and take
an informed decision to make their investment decisions.
The life cycle fund matrix is as below: (note – this may change subject to changes in the NPS
corporate model, as prescribed by the regulator)

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Q16. Will I have an option to select Pension Fund (PF) and Investment Option? back
Ans : Yes, you need to select a PFM and investment option you want to opt while applying for an NPS
account.
Q17. How should I submit my Application if I am working at a client location? back
Ans: You need to visit the closest Accenture facility in your location.
Q18. What is the cost that the employee will incur toward NPS account opening/maintenance?
back
There are certain charges applicable for NPS account opening/maintenance.
The charges are as under:

Agency Service Charges Mode of Deduction

CRA (Central Account opening Rs. 40 Through cancellation
Recordkeeping Maintenance Rs. 95 of units at the end of
Agency – NSDL) Per Transaction Rs. 3.75 each quarter
POP (ICICI BANK) Account Opening Rs. 0 Upfront payment
Contribution Rs. 0
Modification Rs. 0
Trustee Bank Per Transaction NIL for RBI location, 15 Through NAV
for NON RBI locations deduction

Pension Fund Investment 0.01% of investment per Through NAV

Manager Management year deduction

Custodian (on asset Asset servicing Electronic Segment: Through NAV

value)-NSDL 0.0075% per year. deduction

Physical Segment :0.05%

per year
*Service tax and other levies, as applicable, will be levied as per the existing tax law

Q19. Do I need to deposit any minimum amount at the time of submission of NPS application form?
back
Ans: No, under Corporate Model, you need not deposit any minimum amount at the time of
submitting NPS application form, however in a financial year you should contribute minimum
amount of INR 1,000.
Q20. Can I have more than one NPS account/What do I do if I already have an NPS account?
back
Ans: No, multiple NPS accounts for a single individual are not allowed. NPS accounts are portable
across sectors and locations. If you want to link your NPS account to Accenture, to avail the
benefits under the Corporate NPS model, you should re-submit the NPS application form.
Detailed process note will be communicated at the time of launch of the scheme.
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Q21. What will be the frequency of deduction of my contribution toward NPS? back
Ans: NPS contribution will be deducted by payroll on a monthly basis.
Q22. Can I increase or decrease the %contribution in subsequent years? back
Ans: Yes, employee can only increase contribution % in the subsequent years in Allsec, annually when
the compensation plan is open or at the time of Salary revision. New joiners can update the %
contribution at the time of submitting their compensation plan on Allsec.
Q23. Will I get an alert once my contribution has been credited to my NPS account? back
Ans: Yes, once the contribution is credited to your NPS account, an e-mail alert as well as an SMS
alert is sent to your registered e-mail ID and mobile number.
Q24. What is the minimum annual contribution to keep my NPS account active? back
Ans: You need to contribute a minimum amount of INR1,000 per annum to keep your NPS account
active.
Q25. How will I know if my annual contribution toward NPS is less than INR1,000? back
Ans: You will receive an e-mail alert from the Payroll team.
Q26. How will the differential amount be adjusted if my annual contribution toward NPS is less
than INR 1,000?
back
Ans: The differential amount must be paid by the employee, hence it will not be adjusted in the
salary.
Q27. Where can I view my contribution toward NPS? back
Ans: NPS App (NPS by NSDL e-Gov) provides details of your account online. You can access the latest
account details as is available on the CRA website using user ID (PRAN) and password. The APP
access your account details online and provides you with user friendly interface to browse
through your account information. It also enables you to maintain your latest contact details
and password.
Q28. Will I receive any physical statement for NPS account? back
Ans: Yes. An annual statement containing details of the unit holdings is issued by the Central
Recordkeeping Agency (CRA) to your registered address three months after the end of every
financial year.
Q29. How do I get the Statement of Transaction (SOT) on an ad-hoc basis? back
Ans: You can visit the Point of Presence service provider branch to obtain the account statement. You
can also view/print the SOTs by logging into CRA website.
Q30. What happens if the minimum annual contribution of INR1,000 is not invested in NPS
account?
back
Ans: Your account will be frozen and you will not be able to make any further contribution toward
NPS.
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Q31. What is the process of unfreezing the NPS account? back

Ans: You can unfreeze the NPS account by paying INR500 as minimum contribution amount and
INR100 as penalty (as a cheque). You need to fill a NCIS (NPS contribution Instruction Slip) form
and submit to POP. POP will raise a request for unfreeze of NPS account.

Q32. Can I change/modify the data in NPS after joining? back

Ans: Yes. You need to submit the request along with a service charge of INR20 along with a service
tax to the PoP for initiating the modification.
Q33. Can I request for a duplicate PRAN card? back
Ans: Yes. In case of loss or damage of PRAN Card, you need to submit a duly filled S2 form to the PoP
for issuance of duplicate PRAN Card. INR50 plus applicable Service Tax will be deducted by CRA
for issuing a duplicate PRAN card. You can reach out to the POP for this.
Q34. Whom should I contact in case of any queries related to enrolment or deductions toward NPS?
back
Ans: You can post your queries to the Payroll team through “My request” (this option will be
available from April 10th 2017 and onwards)
Q35. Is a nomination facility available under NPS Corporate model? back
Ans: Yes, nomination can be made by the employee.
Q36. Who can be a nominee, how many nominees can be there and how are the details to be filled
in the form? back
Ans: Only an Individual can be a nominee. You will be allowed to register up to three nominees only.
Decimals/fractional values shall not be accepted in the nomination(s) percentage share value.
Sum of percentage share of all the nominees must be equal to 100. If the sum of percentage is
not equal to 100, all nomination will be rejected. The registration of nominee details will not be
done unless all details are duly filled in the nomination form.
Q37. Can a minor be a nominee? back
Ans: Yes, a minor can be a nominee. In such case, you will be required to provide the guardian's
details and date of birth of the minor.
Q38. In case of PF, I can withdraw some amount for housing or child’s marriage etc. Do I have such
a facility under NPS? back
Ans: Early withdrawals in NPS are permitted for specific purposes such as child’s marriage, higher
education, treatment of critical illnesses etc. You can withdraw up to 25 percent of self-
contributed amount toward NPS account after 10 years. Additionally, you are allowed to
withdraw from NPS account twice after a gap of five years after first withdrawal.
Q39. Can I exit before 60 years? Can I deactivate my NPS Account at any point of time? back
Ans: You can exit from NPS after 10 years or attainment of superannuation age (retirement age)
defined by the corporate whichever is earlier.

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Q40. How will I receive the pay-out if I exit from NPS before attainment of superannuation? What
happens to my investments under NPS if contribution is discontinued before retirement?
back
Ans: The primary objective of NPS is to create a corpus which can be used at the time of retirement
to buy pension for you/your nominee. Hence, there is a restriction imposed on the lump sum
amount accessible on exit as mentioned below:
Exit before the age 60 years

 Up to 25 percent of corpus can be withdrawn in lump sum. The balance

amount needs to be invested in annuity.
 If the corpus is less than or equal to INR1 lakh, there is no need to invest into
annuity. The entire amount can be withdrawn in lump sum.

Q41. Is it mandatory to withdraw the amount immediately at the time of exit from NPS? back
Ans: In case of exit from NPS on the retirement age defined by the corporate, you can defer the
withdrawal option till 10 years depending on the market condition. You can withdraw this
amount either in lump sum or take the same in 10 instalments before attaining the age of 70
years.
However, in case of pre mature exit from NPS (before attaining the age of 60 years), you do not
have the option to defer the withdrawal.
Q42. If I leave the job, what would happen to my NPS account? back
Ans: You can shift the corpus to new employer with the same PRAN a/c if the new employer is
already a registered entity under NPS. But if not, then you can continue the PRAN a/c under the
All Citizen model.
Q43. What benefits would family of employee get when the employee (covered under NPS) expires
during the service? back
Ans: In such an unfortunate event, the nominee will receive 100 percent of the NPS pension wealth
in lump sum.
Q44. When can I withdraw the amount? back
Ans:
Exit at retirement age defined by the corporate
o Up to 60 percent of corpus can be withdrawn in lump sum. The balance amount
needs to be invested in annuity.

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o If the corpus is less than or equal to INR2 lakhs, there is no need to invest in
annuity. The entire amount can be withdrawn in lump sum.

Q45. Do I have to pay any taxes at the time of withdrawal or on maturity of NPS? back
Ans: The NPS is currently under the EET (exempt, exempt, tax) which means it is tax free on
contribution and accumulation returns but partially taxable on maturity.
o Currently 40 % of the corpus amount at the age of 60 will be tax free while rest will be
taxable
o Tax applicable on the rest amount will be as per the customer’s Tax slab at that point of
time
Q46. What is annuity? back
Ans: An annuity is a financial instrument which offers monthly/quarterly/annual pension at a
guaranteed rate for the period you chose. Presently, only the registered life insurers offer
annuities in the Indian market.
Q47. Who can select Annuity Service Provider (ASP)? Employee or Employer? back
Ans: The option to select ASP and the annuity scheme lies with the employee.
Q48. What are the different types of annuities providing for monthly pension available under NPS?
back
Ans: ASPs provide the following type of annuities to the subscribers of NPS and subject to conditions
such as stipulated minimum corpus, age at entry etc.:
1. Pension (Annuity) payable for life at a uniform rate to the annuitant only.
2. Pension (Annuity) payable for 5, 10, 15 or 20 years and thereafter as long as you are
alive.
3. Pension (Annuity) for life with return of purchase price on death of the annuitant
(Policyholder).
4. Pension (Annuity) payable for life increasing at a simple rate of 3 percent per annum.
5. Pension (Annuity) for life with a provision of 50 percent of the annuity payable to
spouse during his/her lifetime on death of the annuitant.
6. Pension (Annuity) for life with a provision of 100 percent of the annuity payable to
spouse during his/her lifetime on death of the annuitant.
7. Pension (Annuity) for life with a provision of 100 percent of the annuity payable to
spouse during his/her lifetime on death of the annuitant and with return of purchase
price on death of the spouse. If the spouse predeceases the annuitant, payment of
annuity will cease after the death of the annuitant and purchase price is paid to the
nominee.

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Q49. Which are the ASPs empaneled by PFRDA? back

Ans: The following insurance companies providing annuity services have been empanelled by PFRDA
as Annuity Service Providers (ASPs):

 Bajaj Allianz Life Insurance Co. Ltd.

 HDFC Standard Life Insurance Co. Ltd.
 ICICI Prudential Life Insurance Co. Ltd.
 Life Insurance Corporation of India
 Reliance Life Insurance Co. Ltd.
 SBI Life Insurance Co. Ltd.
 Star Union Dai-Ichi Life Insurance Co. Ltd.

Q50. Do I have the facility of loan/advances under NPS? Can lien be marked on NPS account?
back
Ans: No, as per existing guidelines there is no such provision under NPS.

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Annexure back
Note: The list of valid documents might be changed as per the instructions form regulatory authorities.
The same will be communicated, if any.

Proof of Identity (Copy of any

S.No S.No Proof of Address (Copy of any one)
one)

Passport issued by Government Passport issued by Government of

1 1
of India. India

Ration card with photograph and

2 Ration card with photograph. 2
residential address

Bank Pass book or certificate Bank Pass book or certificate with

3 3
with Photograph. photograph and residential address

Certificate of the POP bank for Certificate of the POP bank for an
4 4
an existing Bank customer. existing Bank customer.

Voters Identity card with

Voters Identity card with photograph
5 photograph and residential 5
and residential address
address.

Valid Driving license with Valid Driving license with photograph

6 6
photograph and residential address

Letter from any recognized public

Certificate of identity with authority at the level of Gazetted
photograph signed by a Member officer like District Magistrate,
7 7
of Parliament or Member of Divisional commissioner, BDO,
Legislative Assembly Tehsildar, Mandal Revenue Officer,
Judicial Magistrate etc.

Certificate of address with photograph

PAN Card issued by Income tax
8 8 signed by a Member of Parliament or
department
Member of Legislative Assembly

Aadhar Card / letter issued by Aadhar Card / letter issued by Unique

9 Unique Identification Authority 9 Identification Authority of India clearly
of India showing the address

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Job cards issued by NREGA duly

Job cards issued by NREGA duly signed
10 signed by an officer of the State 10
by an officer of the State Government
Government

Identity card issued by

Central/State government and The identity card/document with
its Departments, statuary/ address, issued by any of the
Regulatory Authorities, Public following: Central/State Government
Sector Undertakings, Scheduled and its Departments,
11 11
commercial Banks, Public Statuary/Regulatory Authorities,
Financial Institutions, Colleges Public Sector Undertakings, Scheduled
affiliated to universities and Commercial Banks, Public Financial
Professional Bodies such as ICAI, Institutions for their employees.
ICWAI, ICSI, Bar Council etc.

Photo Identity Card issued by Latest Electricity/water bill in the

12 Defence, Paramilitary and Police 12 name of the Subscriber showing the
departments. address (less than 3 months old)

Ex-Service Man Card issued by Latest Telephone bill in the name of

13 Ministry of Defence to their 13 the Subscriber showing the address
employees. (less than 3 months old)

Latest Property/house Tax receipt (not

14 Photo Credit card. 14
more than one year old)

Based on norms prescribed by PFRDA (governing body of NPS) and may change time to time as per the
guidelines. You are advised to refer to http://www.pfrda.org.in/ for latest updates.

back

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