Consolidated Circular on Govt Business Revenue Streams

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Circular to all the branchesiAdministrative offices in lndia

lssued by Govt. Relationship Department, New Delhi
Dear Sir/ Madam,
Re: Gonsolidated circular on Govt. Business Products-PPF. SCSS. SSA. e-KVP.

SGB. NPS & APY
Off-late it has been observed by our department that few branches are facing issues
in opening accounts under various Govt. Business Revenue streams. During the
recently concluded 'Clash of Titans campaigns, we received maximum number of
inquiries from the branches about the products and also regarding the operational
issues related to these products.
By far it has come to our notice that branches escalate even minor issues to our
department, most of which are recurrent in nature, indicating lack of information at
Branch level hindering productivity and customer service.
ln view of the above it has been decided by our Department to once again come up
with detailed guidelines for all the schemes.
ln this regard our department has devised a Consolidated Gircular incorporating all
the latest guidelines, Scheme related details, Job Cards and Forms at one place
to impart all the required knowledge about the schemes to all the staff members.
This step is intended to provide a ready reckoner for all the Branches for their
convenience and alleviating certain issues faced by them while canvassing business
and rendering services to the customers.
We believe that now the branches will be more equipped and the same shall help the
branch to canvass new business and also render good customer service.
wrorQ sqd Arrrrt / Govt. Relationships Department

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7th Floor, Bank of Baroda Building, 16, Sansad Marg, New Delhi - 110 001, INDIA
q$il's/Phone : 0 1 1 - 234487 09, 23487 1 2, 234487 1 5, 234487 22
{-ta/E-mai I : gb.delh i@ban kofba roda. com . fqzWe b : www. ban kofbaroda. com
CIRCULAR
ON
GOVT. BUSINESS REVENUE
STREAMS (PPF, SSA, SCSS, e-
KVP, SGB, NPS, APY)
By GOVT. RELATIONSHIP
DEPARTMENT,
NEW DELHI
Government Relationship Department, 7th Floor, 16, Parliament Street, New Delhi- 110 001
सरकार� एवं पीएसयू व्यवसाय �वभाग, 7वां तल, 16, पा�लर्याम�ट स्ट्र�ट, नई �दल्ल� – 110 001
टे ल�/Tel.: 91 11 23448713, 23448711 फैक्स/FAX: 91 11 23448706 ई/मेल-E-mail: gb.delhi@bankofbaroda.com वेब/ Web: www.bankofbaroda.com
TABLE OF CONTENT
Sr. No. Particulars Page No

Public Provident Fund Scheme 7-29
Guidelines 7-13
Forms 14-23
FORM -1- Application for opening an account 14
1) FORM -2- Application for Loan/Withdrawal 17
FORM -3- Application for extension of account 19
FORM -4- Application for premature closure of account 20
FORM -5- Application for closure of account 22
Job Card 24-29
Sukanya Samriddhi Account Scheme 30-50
Guidelines 30-34
Forms 35-43
2)
FORM -2- Application for Withdrawal 38
Job Card 44-50
Senior Citizen Savings Scheme 51-71
Guidelines 51-56
Forms 57-64
3)
FORM -2- Application for extension of account 60
Job Card 65-71
e-Kisan Vikas Patra Scheme 72-90
Guidelines 72-75
Forms 76-84
4)
FORM -4- Application for pledging of account 84
Job Card 85-90
5) Government Savings Promotion General Rules, 2018 91-115
Guidelines 91-104
Forms 105-115
FORM -2- Pay-in-slip 105
FORM -4- Pass Book 106
FORM -5- Application for transfer of account 108
FORM -7- Application for pledging of account 109
FORM -10- Application for cancellation or variation of nomination in an 110
account
FORM -11- Application for settlement of an account of the deceased 111
depositor by nominee or legal heirs
FORM -12- Letter of authority to open or operate an account under 112
National Savings Schemes on behalf of depositor suffering from physical
infirmity including blindness
FORM -13- Affidavit 113
FORM -14- Letter of disclaimer 114
FORM -15- Letter of indemnity 115
National Pension System 116-257
Guidelines 116-135
Forms 136-249
CSRF-Subscriber Registration Form-NSDL 136
CSRF-Subscriber Registration Form-Kfintech 143
Annexure I to CSRF- TIER II DETAILS 150
6)
Annexure II to CSRF- ADDITIONAL REQUEST DETAILS 152
Annexure III to CSRF- ADDITIONAL NOMINATION FORM 153
NPS Contribution Instruction Slip (NCIS) 155
UOS-S5- Subscriber request to change POP-SP 156
GoS-S3- Request for Scheme Preference Change 157
Form-ISS- Request for Subscriber Shifting 160
Exit from National Pension System Due to Premature Exit 167
Exit from National Pension System Due to 173
Superannuation/Incapacitation
Annexure II- Request cum Undertaking form for withdrawal of total 179
pension wealth before superannuation or attainment of 60 years and
where the total pension wealth is equal to or less than Rs. 100, 000/-
Annexure II- Request cum under taking form for withdrawal of total 180
pension wealth at superannuation or attainment of 60 years and where
the total pension wealth is equal to or less than Rs. 200, 000/-
Annexure UOS-S7- Request for change in signature and/or change in 181
photograph
Annexure-UOS-S6- Subscriber request to change Point of Presence 182
UOS - S13- Request for One Way Switch 184
Declaration Form for Partial Withdrawal in case of Marriage or 185
Purchase of property
Annexure S12- Withdrawal form for Tier II account 186
Annexure S10- Request for Activation of Tier-II account 188
Annexure S3- Request for Scheme Preference Change 193
196
Annexure - S2- Request For Change/Correction in Subscriber Master
Details And/or Reissue of I-PIN/T-PIN/PRAN Card
202
FORM: 601 PW- Partial Withdrawal form for Tier I account under NPS
205
PAN & AADHAAR Updation Form
206
Inter CRA Subscriber Shifting (ICSS)
207
Annexure B- Documents to be enclosed with the Exit application
Form 303- Withdrawal Form for Claim of Accumulated Pension Wealth 209
by Claimant(s) due to death of the subscriber
Annexure Ill- AFFIDAVIT-For non-Submission of Original PRAN on 215
Exit/Withdrawal
Annexure II- AFFIDAVIT-Claim under Deceased Case 216
Indemnity Bond 217
Request for continuation/deferment 218
Relinquishment Deed 221
NSRF- Subscriber Registration Form for Non Resident Indian (NRI) 223
and Overseas Citizen of INDIA (OCI)
Annexure I to NSRF- Additional Request details 229
Annexure II to NSRF- Additional Nomination Form 230
CHO-1- Application Form for Corporate Registration-NSDL 232
CHO-1- Application Form for Corporate Registration-Kfintech 235
CHO-2-Application Form for Corporate Scheme Preference Change 238
Annexure NE-5-Request to update/modify Bank Account Details 240
Annexure CHO – 3-Application Form for Corporate for POP Change 241
Annexure CS-S2- Request For Change/Correction in Subscriber Master 243
details And/or Reissue of I-Pin/T-Pin/PRAN Card for Corporate
Job Card 250-257
7) Sovereign Gold Bond Scheme-2020-2021 258-292
Procedural Guidelines for Sovereign Gold Bond 258-275
Forms 276-285
Form-A-Application form for SGB-2020-2021 276
Form-B-Acknowledgement Receipt 281
Form-C-Certificate Format 282
Form-D-Nomination 283
Form-E-Cancellation of Nomination 284
Form-F-Transfer of Stock Certificate 285
Job Card 286-292
Atal Pension Yojana 293-314
8) Guidelines 293-298
Forms 299-309
Subscriber Registration Form 299
Registration form for Existing Swavalamban Yojana Subscribers 303
Account Closure Form-Death Case 307
Form to Upgrade/Downgrade Pension Amount 308
Account Closure Form-Voluntary Exit 309
Job Card 310-313
Contribution Chart 314
Public Provident Fund Scheme
About PPF
Public Provident Fund (PPF) was introduced in India in 1968 with the objective to mobilize small
saving in the form of an investment, coupled with a return on it. It can also be called a savings-cum-
tax savings investment vehicle that enables one to build a retirement corpus while saving on annual
taxes.
Commission Structure:
Being the Agency Bank of RBI, our Bank earns commission of Rs. 40/- per physical
transaction (receipt) & Rs. 9/- per online transaction (receipt).
The detailed guidelines pertaining to PPF are as under:
As per the Gazette notification no-G.S.R. 913(E) dated 12.12.2019 issued by the Department of
Economic Affairs, Ministry of Finance wherein it has been informed as under:
In exercise of the powers conferred by section 3A of the Government Savings Promotion Act, 1873 (5
of 1873), the Central Government hereby rescinds with immediate effect the Public Provident Fund
Scheme, 1968, published vide number G.S.R. 1136(E), dated the 15th June, 1968, except as respects
things done and omitted to be done before such rescission.
Further to the aforementioned notification, Department of Economic Affairs, Ministry of Finance

has issued the Gazette notification no-G.S.R. 915(E) dated 12.12.2019 which states as under:
of 1873), the Central Government hereby makes the following Scheme, namely:-
1. Short title and commencement. –
(1) This Scheme may be called the Public Provident Fund Scheme, 2019.
(2) It shall come into force on the date of its publication in the Official Gazette.
2. Definitions.-(1) In this Scheme, unless the context otherwise requires,-
(a) “account” means an account under this scheme;

(b) “account holder” means an individual in whose name the account is held;
(c) “Act” means the Government Savings Promotion Act, 1873 (5 of 1873);
(d) “Form” means forms appended to this Scheme;
(e) “General Rules” means the Government Savings Promotion General Rules, 2018;
सरकार� संपकर् �वभाग, 7वां तल, 16, पा�लर्याम�ट स्ट्र�ट, नई �दल्ल� – 110 001
टे ल�/Tel.: 91 11 23448717, 23448711 फैक्स/FAX: 91 11 23448706 ई-मेल/E-mail: gb.delhi@bankofbaroda.com वेब/ Web:
www.bankofbaroda.com
(f) “year” means the financial year.
(2) Words and expressions used herein but not defined shall have the meanings respectively
assigned to them in the Act and in the General Rules.
3. Limits of number of accounts.-(1) An individual may open an account by making an application in

Form-1.
(2) An individual may also open one account on behalf of each minor or a person of unsound mind of
whom he/she is the guardian:
Provided that only one account shall be opened in the name of a minor or a person of
unsound mind by any of the guardian.
(3) Joint account shall not be opened under this Scheme.
4. Limits of subscription.-(1) A deposit which shall not be less than five hundred rupees and not
more than one lakh fifty thousand rupees in multiple of fifty rupees may be made in an account in a
year.
(2) Maximum limit of one lakh fifty thousand rupees as specified in sub-paragraph (1) by an
individual shall be inclusive of the deposits made in his own account and in the account opened on
behalf of the minor.
5. Manner of making deposit.- (1) The account shall be opened with a minimum initial deposit of
five hundred rupees and thereafter deposit of any sum in multiples of fifty rupees shall be made.
(2) The deposit in the account subject to the limits mentioned in paragraph 4 may be made in the
account in one lump sum or in instalments.
6. Discontinuation of account.-(1) Any account in which the account holder, having deposited five
hundred rupees in the initial year, fails to deposit the minimum amount in the following years, shall
be treated as discontinued.
(2) An account treated as discontinued under sub-paragraph (1), may be revived during its maturity
period on payment of a fee of fifty rupees along with arrears of minimum deposit of five hundred
rupees for each year of default:
Provided that the balance in a discontinued account not revived by the account holder
before its maturity shall continue to earn interest at the rate applicable to the Scheme from
time to time.
(3) The account holder of a discontinued account shall not be eligible to open a new account before
closure of such discontinued account after maturity:
Provided that the facility of loan and partial withdrawal shall not be allowed in such an
account and the account holder shall be prohibited from opening another account in his
name under this Scheme till final closure of such account.
(4) Facility of loan and partial withdrawal shall be allowed to regular accounts only as per the
provisions of this Scheme.
(5) The total deposit in a year as specified in paragraph 4, shall be inclusive of deposits made in
respect of years of default of the preceding years but excluding the default fee.
7. Interest.- (1) Presently Interest at 7.1 percent per annum shall be eligible for a calendar month on
the lowest balance at the credit of an account between the close of the fifth day and the end of the
month. (Subject to change as per the notifications issued by NSI, Ministry of Finance time to time)
(2) Interest shall be credited to the account at the end of each year.
(3) Interest shall be credited at the end of the year irrespective of the change of the account office
due to transfer of the account during the year and the interest for the whole year is to be credited
by the Financial Institution where the account stands as on 31st March of the Financial Year.
8. Loans.- (1) At any time after the expiry of one year from the end of the year in which the initial
subscription was made but before expiry of five years from the end of the year in which the initial
subscription was made, the account holder may, apply in Form-2, to the accounts office for
obtaining a loan consisting of a sum of whole rupees not exceeding twenty-five per cent. of the
amount that stood to his credit at the end of the second year immediately preceding the year in
which the loan is applied for.
(2) In case of an account opened on behalf of a minor or a person of unsound mind, the guardian
may apply for the loan for the benefit of the minor or the person of unsound mind by submitting the
following certificate to the accounts office, namely:-
“Certified that the amount sought to be withdrawn is required for the use and welfare of
Shri/Smt./Master/ Kumari……………………………. who is a minor/ a person of unsound mind/ a
person incapable of operating his account due to physical infirmity and is alive on this……the
day of…………..(month), ……….(year).”.
(3) An account holder shall not be entitled to get a fresh loan so long as earlier loan has not been
repaid in full together with interest thereon.
(4) An account holder shall be entitled for only one loan in a year.
9. Repayment of loan and interest.- (1) The principal amount of a loan shall be repaid by the
account holder before the expiry of thirty-six months from the first day of the month following the
month in which the loan is sanctioned:
Provided that the repayment may be made either in one lump sum or in instalments.
(2) After the principal amount of the loan is fully repaid, the account holder shall pay interest
thereon in not more than two monthly instalments at the rate of one per cent. per annum of the
principal for the period commencing from the first day of the month following the month in which
the loan is drawn upto the last day of the month in which the last instalment of the loan is repaid:
Provided that where the loan is not repaid, or is repaid only in part, within a period of thirty-
six months, interest on the amount of loan outstanding shall be charged at six per cent per
annum instead of at one per cent per annum with effect from the first day of the month
following the month in which the loan was obtained, to the last day of the month in which
the loan is finally repaid.
(3) The interest on the amount of loan outstanding under the proviso to sub-paragraph (2) and any
portion of interest payable, but not paid, on any loan, the principal amount of which has already
been repaid within the period of thirty-six months, may, on becoming due, be debited to the
holder’s account.
(4) The interest recoverable shall accrue to the Central Government.
(5) The interest on outstanding loans which are not paid before the expiry of thirty-six months or
paid partly shall be debited to the holder’s account at the end of each year.
(6) In case of death of the account holder, the nominee or legal heir shall be liable to pay interest on
the loan availed by the account holder but not repaid before his death. Such amount of due interest
shall be adjusted at the time of final closure of the account.
10. Withdrawal from account.- (1) Any time after the expiry of five years from the end of the year in
which the account was opened, the account holder may, avail withdrawal by applying in Form-2,
from the balance to his credit, an amount not exceeding fifty per cent. of the amount that stood to
his credit at the end of the fourth year immediately preceding the year of withdrawal or at the end
of the preceding year, whichever is lower:
Provided that the amount of loan outstanding, if any, along with interest shall be paid by the
account holder before availing the facility of withdrawal under this paragraph:
Provided further that the facility of withdrawal may be availed only once in a year only from
the accounts which have not become discontinued.
(2) In case of an account opened on behalf of a minor, or a person of unsound mind, the guardian
may apply for the withdrawal for the benefit of the minor or a person of unsound mind by
submitting the following certificate to the accounts office, namely:-
Shri/Smt./Master/ Kumari……………………………. who is a minor/ a person of unsound mind/ a
person incapable of operating his account due to physical infirmity and is alive on this……the
day of…………..(month), ……….(year).”.
11. Closure of account or continuation of account without deposits after maturity.- (1) Any time
after the expiry of fifteen years from the end of the year in which the account was opened, the
account holder may apply in Form-3 to the accounts office for the closure of his account. The
accounts office shall allow the withdrawal of the entire balance along with due interest up to the last
day of the month preceding the month in which the account is closed.
(2) The account holder may retain his account after maturity without making any further deposits for
any period and the balance in the account will continue to earn interest at the rate applicable to the
Scheme:
Provided that the account holder may make one withdrawal, in each year, of any amount
within the balance.
(3) Once the account is continued without deposits for more than a year, the account holder shall
not have the option again to continue the account with deposits.
12. Extension of account with deposits after maturity.- (1) Subject to the provisions of paragraph
11, the account holder on the expiry of fifteen years from the end of the year in which the account
was opened, may extend his account and continue to make deposit under paragraph 4 for a further
block period of five years by applying to the accounts office in Form-4.
(2) The option of extension of account under sub-paragraph (1) shall be made by the account holder
before expiry of one year from the maturity of the account:
Provided that an account opened on behalf of a minor or a person of unsound mind may be
extended at the request of the guardian.
(3) No deposits can be made in the account, if the account holder fails to give his option to continue
the account within one year from the date of maturity. Any deposit made in such account shall be
treated as irregular and refunded by the accounts office immediately without any interest:
Provided that the balance in the account on the date of maturity shall continue to earn
interest upto the end of the month preceeding the month of closure.
(4) Facility of partial withdrawal under paragraph 10 of the Scheme shall be available to the account
extended under sub-paragraph (1), subject to the condition that the total withdrawal during the
block period of five years shall not exceed sixty per cent of the balance at credit at the
commencement of the block period:
Provided that the withdrawal, subject to the ceiling as specified above may be made either
in a single or in yearly instalments.
(5) Provisions of sub-paragraphs (1) to (4) shall also apply on accounts after maturity on expiry of the
each extended block period of five years.
(6) If the account is continued with deposits for one or more five block periods, the account holder
may leave the account without deposits on completion of any block period and the account shall
continue to earn interest till it is closed and the account holder may make one withdrawal every year
from the account.
(7) An account holder who has given his option for the extension of the account for a period of five
years shall not have the option to withdraw his request at a later stage.
13. Premature closure of account.- (1) An account holder shall be allowed premature closure of his
account or the account of a minor or person of unsound mind of whom is the guardian on an
application to the accounts office in Form-5, on any of the following grounds, namely:-
(a) treatment of life threatening disease of the account holder, his spouse or dependent children or
parents, on production of supporting documents and medical reports confirming such disease from
treating medical authority;
(b) higher education of the account holder, or dependent children on production of documents and
fee bills in confirmation of admission in a recognised institute of higher education in India or abroad;
(c) on change in residency status of the account holder on production of copy of Passport and visa or
Income tax return:
Provided that an account under this Scheme shall not be closed before the expiry of five
years from the end of the year in which the account was opened:
Provided further that on such premature closure, interest in the account shall be allowed at
a rate which shall be lower by one per cent than the rate at which interest has been credited
in the account from time to time since the date of opening of the account, or the date of
extension of the account, as the case may be.
14. Closure of account on death of the account holder.- (1) In the event of the death of the account
holder, the account shall be closed and the nominee or the legal heir shall not be allowed to
continue the account.
(2) The balance in the account of the deceased account holder shall earn interest till the end of the
month preceeding the month in which the eligible balance is paid to the nominee or the legal heir,
as the case may be.
15. Protection of credit balance from attachment.- Amount standing to the credit of any account
holder shall not be liable to attachment under any order or decree of any court in respect of any
debt or liability incurred by the account holder.
16. Application of General Rules.- Provisions of the General Rules shall, so far as may be, apply in
relation to the matters for which no provisions have been made in this Scheme. (Please refer
Government Savings Promotion General Rules, 2018-BCC: BR: 110:553 dated 29.10.2018)
17. Power to relax. - Where the Central Government is satisfied that the operation of any of the
provisions of this Scheme causes undue hardship to an account holder, it may, by order for reasons
to be recorded in writing, relax the requirements of that provision or provisions in a manner not
inconsistent with the provisions of the Act.
For any Scheme related query on PPF please contact:
E-mail Id: gb.delhi@bankofbaroda.com

For any technical query related to PPF:
Email id: gbm.ito@bankofbaroda.com
Reference Websites:
http://www.nsiindia.gov.in/
FORM -1
Application for opening an account

To
The Postmaster/Manager
…………………………………………………
………………………………………………… Paste photograph of applicant/s
Sir,
I ………………………..(account holder/guardian) hereby apply for opening of an account under Public

Provident Fund Scheme.
I tender herewith Rs……………………../-
(Rs…………………………………………………………………………….) in cash/Cheque/DD.
No………………… date………. as initial deposit. My particulars are as under:-
1. Name of account holder

……………………………………………………………
Husband/Father /mother’s name
……………………………………………………………
Date of Birth ……… ..……… ………………
(DD / MM / YYYY )
(In words)……………………………………………
OR
2. Name of minor account holder

……………………………………………………………
Father /mother’s name or the guardian
……………………………………………………………
Date of Birth ……… ..……… ………………
(DD / MM / YYYY )
(In words)……………………………………………
3. Aadhar Number of account holder/guardian

…………………………………………………………..
4. Permanent Account Number (PAN) of account holder /guardian
…………………………………………………………..
5. Present Address ………………………………………………………….
…………………………………………………………..
Permanent Address ………………………………………………………….
………………………………………………………….
6. Contact details Telephone Number……………………………..

Mobile Number…………………………………..
Email ID……………………………………………..
7. Type of Account Single or through Guardian for Minor or
person of unsound mind or blind or differently
abled through authorized person.
8. (*)Details of date of birth proof ……………………………………………………….

(Applicable in case of minor account)
a) Certificate No.
……………………………………………………………………..
b) Date of Issue
…………………………………………………………………….
c) Issuing authority
…………………………………………………………………….
9. (*) Name of Guardian (Natural/Legal) …………………………………………………………

(In case the account is opened on behalf of a
Minor/person of unsound mind)
10. Details of other KYC documents attached 1. Proof of identification

…………………………………………………………
2. Address proof
…………………………………………………………
11. (The following documents are accepted as officially valid documents for the purpose of identification
and address proof: 1. Passport 2. Driving license 3. Voter’s ID card 4. Job card issued by NREGA
signed by the State Government officer 5. Letter issued by the National Population Register
containing details of name and address);
1. The operation of the account will be:- (a) By the Guardian till the account holder attains majority.
(b) By the account holder on attaining majority,
12. Specimen Signatures

1…………………………2……………………………. 3.,……………………………
(Name)…………………………………………………………
I hereby declare that I have not opened a Public Provident Fund Account in the name of the myself/minor
mentioned at serial number 1 in any of the Post office/Bank in the country.
I further declare that I will abide by the ceiling of maximum deposit in the accounts opened in my name and
in the name of minors as per provision of paragraph 4 and any deposit in excess of the ceiling will be treated
as in contravention to the Scheme.
I further declare that I and the minor both are Resident citizen of India and undertake to inform the account
office of any change in our residency/citizenship status in future.
I hereby undertake to abide by the scheme provisions and Government Savings Promotion rules-2018
applicable on the Scheme and amendments issued thereto from time to time.
Signature or thumb impression of account holder /guardian
Date:……………………
Nomination
13. I…………………………………………..hereby nominate the person(s) mentioned below to whom to the
exclusion of all other persons in the event of my death the amount standing to my credit at the time of my death
would be payable.
S.No. Name(s) of the Full address (s) Aadhaar Date of birth Share of Nature of
nominee(s) and number of of nominee in entitlement entitlement
relationship nominee case of minor Trustee or
(optional) owner
1
2
As the nominee(s) at Serial No.(s)…………………………………….specified above is/are minor(s), I appoint

Shri/Smt/Kumari………………………………………………..S/o,D/o,W/o……………………………………………
……………………………..Address………………………………………………………………………………………
……………………………………………………………………….to receive the sum due under the said account in
the event of my death during the minority of the nominee(s).
1. Signature of witness…………………………………….
Name & Address……………………………………………..
Name & Address……………………………………………..
Signature or thumb impression of account holder or guardian
Place:
Date:
For use of Post Office/Bank
The account has been opened in the name of…………………………………on……………………..with initial
deposit ofRs………………………………………. with Account No.__________________________
dated______________________________.
Customer identification Number………………………………..
Nomination has been registered vide

No……………………………………..dated………………………………………..
Signature and seal of competent authority.

FORM -2
Application for Loan/Withdrawal
To,
…………………………………………………
…………………………………………………
Sir,
I ……………………………………………………………..(account holder/guardian) hereby apply for

loan/withdrawal from my account as per details below:-
Account Number:........................................................................................
Amount of Loan/withdrawal applied...........................................................
*Certified, that the amount sought to be withdrawn/loan to be availed is required for the use of
………………………………………who is alive and still a Minor.
2. Please Credit the amount of loan/withdrawal to my SB Account no.________________________

standing at______________________(Name of Account office).
or
Please issue a Demand Draft/account payee cheque
or
Please pay in cash (applicable if the amount is below permissible limit of cash payment).
3. I certify that all the provisions applicable under scheme for grant of withdrawal/loan have been complied
with.
Necessary documents as applicable are attached as under:-
1.
2.
Date:-______________ Signature or thumb impression of account holder/guardian
---------------------------------------------------------------------------------------- Attested By__________________

(Attestation is applicable in case of thumb impression)
For office use only
Payment detail
Amount available in Account Rs ._____________________________________

Date of Initial Subscription __________________________________________
Date on which last withdrawal/loan was allowed _________________________
Total Amount granted for withdrawal/loan Rs ._________________(In figures)
(In words)________________________________________________________
Date Stamp Signature of Postmaster/Manager

--------------------------------------------------------------------------------------
Acquittance
(to be filled by account holder)
Received Rs ._____________(In figures)______________________ (in words) By cash/cheque/DD bearing

no…………………………………….dated…………………./by transfer to Account No...............................
Date Signature/thumb impression of account holder/guardian

FORM -3
Application for extension of account
To,
…………………………………………………
…………………………………………………
Sir,
1. My PPF account number____________ has matured on______________.

2. I request for extension of my PPF account number_______________for a further block period of five
years.
3. I have understood the terms and conditions applicable to the account during the period of extension
under the said scheme as amended from time to time and shall abide by them.
I hereby declare that I, and the minor( in case of minor account) continues to be Resident Citizen of
India at the time of commencement of the block period of five years.
Date Signature of the account holder/guardian
Place (Name and address)
----------------------------------------------------------------------------------------------------
For the use of Accounts Office
The account no………………………. which was opened on …………….. withRs………………….

(Rupees………………………………………………..) and matured on ……………………, has been extended for
a period of ______ years with effect from ……………….. to ………………….under rule..............of
the.....................scheme.
Necessary entries have been made in the records and pass book/deposit receipt/ statement of account.
Date Signature of Postmaster/Manager
Seal
FORM -4
Application for premature closure of account
To,
…………………………………………………
…………………………………………………
Sir,
1. I wish to prematurely close my Account No________________________ having

balance of ____________________(Rupees______________________ Only) and request
you to pay the amount after deduction of applicable penalty, as per details given below:-
Please Credit the amount to my SB Account no.________________________

standing at___________________________________(Name of Account office).
or
or
Please pay in cash (applicable if the amount is below permissible limit)
2. I hereby declare that the provisions under which the account can be closed before
maturity have been complied with.
1.
2.
*Certified, that the amount sought to be withdrawn/loan to be availed is required for the
use of ………………………………………who is alive and still a Minor.
Date:-______________ Signature or thumb impression of account holder/guardian

-----------------------------------------------------------------------------------
(Thumb impression of the depositor should be attested by a person known to the accounts
office)
For office use only
Payment detail
Eligible balance in Account ` ._______________________________________

Less Penalty amount `._____________________________________________
Total Amount to be paid ` .________________________________(In figures)
(In words)________________________________________________________

--------------------------------------------------------------------------------------
Acquittance
(to be filled by account holder/ messenger)

Received Rs ._____________(In figures)______________________ (in words) By
cash/cheque/DD bearing No.)__________________dated_____________/by transfer to
Account No______________________________________________.
Date Signature/thumb impression of account holder/guardian

FORM -5
Application for closure of account
Name of Post Office/Bank__________________________

Date___________________
Account Number___________________________
1. I hereby submit pass book/deposit receipt and apply for closure of my above
mentioned account matured on_________________.
2. Please Credit the amount of eligible balance in my matured account to my SB Account

no.________________________ standing at______________________(Name of Account
office).
or
or
Please pay in cash (applicable if the amount is below permissible limit).
*Certified, that the amount sought to be withdrawn/loan to be availed is required for the
Signature or thumb impression of account holder/guardian
(Thumb impression should be attested by a person known to Accounts office)
Payment Order
(For office use only)
Date ................................
Payment detail
Principal amount Rs.____________________________________________
(+) Interest due Rs. _____________________________________________
(-) Recovery of overpaid interest Rs._______________________________________________________
Deduction if any Rs_____________________________________________
Total Amount due Rs_____________________________________________
Pay Rs.____________________(in figurers)_________________________________(in words)
Date
Signature of Postmaster/Manager
Acquittance
(to be filled by depositor)

cash/cheque/DD bearing no…………………………………….dated…………………./by
transfer to Account No...............................
Date Signature/thumb impression of account

holder/guardian
PPF Job Card
JOB CARD FOR OPENING A PPF ACCOUNT (NEW ACCOUNT) AT SOL OR OPEN A PPF ACCOUNT WHICH HAS
BEEN TRANSFERRED FROM ANOTHER BANK/BRANCH
Steps;
Sr. Activity
No.
1 Type “gbm” as option in Finacle. Press “Enter” key.
2 .The screen will show “Welcome to GBM”. On left side of the screen , various
options such as CBDT; CBEC; Sales Tax; RBI Bonds; PPF; Pension, Reports;
FTI(Financial Transaction Inquiry); NFAI(Non-Financial Audit Inquiry);
Reconciliation; Transfer Inst.; Admin; Data Centre are given.
You can go back to Finacle menu by clicking : Finacle Menu” just below “Welcome
to GBM”
3 Click PPF
4 The Public Provident Fund screen shall open which shows “Masters”;
“Transactions”; “Scrolls”; “Reports”; “Inquiry” in dark blue bands.
5 There are separate options under Masters in PPF of GBM for (i) Account Transfer-
In Non-GBM branch (ii) Account Transfer - In GBM branch (iii) Account Transfer—
Out.
However, here below are given the steps for opening new account at SOL
Click account maintenance in Masters.
The Account Opening screen shall open. On left side are shown:
 Add
 Modify
 Delete
 Verify
 Inquiry
There is no need to Click “Add”.
When the screen opens, it is automatically in “ADD” mode.
6 .Enter required details in mandatory fields marked asterisk* in red ( these fields
must be filled in) from the account opening form (specimen of Form-A as per
Appendix-I given in our Book of Instructions; Vol-15; page 211. This form is also
given in FORMS in PPF in GBM Module) submitted by the subscriber. For account
transferred from another Bank, get relevant details from the account opening
Form received from that bank.
The mandatory fields which, are to be entered, are marked with red asterisk* on
the screen and are:
- Account holder first name
- Account holder last name
- Account Type
- Subscriber/Guardian Address.
However, it is advisable to fill in as many fields as possible with relevant
information.
You can go to next field with the help of “Tab” key or by taking the cursor in
particular field by left-click of mouse there)
It may be noted that subscriber’s name (guardian’s name) is to be compulsorily
entered if the account holder is a minor (select “Yes” in minor’s field and also
mention the date of birth of the minor in dd/mm/yyyy format) . The system, by
default, shows “NO” value for minor against the field – Is account holder a
Minor:
Similarly, the system ,by default, shows “YES” value against the field : Is account
holder an NRI: Since the account of a NRI cannot be opened, the value needs to
be selected as “NO” after satisfying that the proposed account holder is resident.
It may be noted that contributions made by a parent to the PPF a/c in the name
of the child (major or minor); married or unmarried (even a married daughter);
male or female; dependent or not; adopted or otherwise; are eligible for rebate
under Sec.88. The only restriction is that in the case of the minors, the total
contribution to their and self accounts should be at most Rs.70,000/-
7 Click Torch to select Agent’s ID in case the contribution is made through an
agent . This would enable to make payment of agent’s commission.
8 Click Torch to select Intersol ID and relative operative account of the
accountholder.
9 Mention other bank details, if available, for marketing purposes.
10 After filling in details, click “Nominee” at the bottom.
The system shall continue to give error messages until all mandatory fields are
filled in.
(You can also click Cancel if the details filled in are not to be accepted)
11 Fill in Nominee details (fields marked with asterisk in red are mandatory).
Fill in guardian details if the nominee is a minor
12 Click “SUBMIT” button given at the bottom of the screen
13 The screen now shall show “A/c Successfully Added. A/c No. is---------------“
14 Get the account verified by another authorized user.
JOB CARD FOR EXTENSION OF A PPF ACCOUNT
STEPS:
Sr. Activity
No.
1 Type “gbm” as option in Finacle and press “Enter” key.
to GBM”
3 Click PPF.
Scrutinize the Form-H (application for extension) submitted by the subscriber.
Please note that existing accounts of HUF; Association of persons ; NRIs can not
be extended after maturity.
5 WHEN A PPF ACCOUNT MATURES?: The maturity period of a PPF account is 15
years. Maturity amount is paid after completion of the maturity year. One can also
extend the PPF account by 5 years after completion of the maturity year.
Suppose a PPF account was opened in Financial Year 1991-1992. The maturity shall
be 1992+15= 2007. Account shall mature on 01/04/2007.
Though the term is 15 years but actually it is 16. The 16th contribution can be made
in in Financial Year 2006-07, even on 31/03/2007 i.e. the last date of the financial
year. The entire amount can be withdrawn on 01/04/2007 or any time thereafter
unless one opts for post-maturity extension, which is dealt here under.
6 You can inquire about all the matured accounts by going to PPF Inquiry under
“Inquiry” Click “Submit”.
7 PPF Account Selection Inquiry screen shall open.
Select the relevant option (Matured) in the A
“Account Status” and click “submit”
The screen that comes now shows all accounts, which have matured, and requiring
disposal.
8 Check whether the PPF account for which the extension has been requested is
among the list of “Matured” accounts or not. If it is there, then go to next step.
9 There are various options under Masters
Click Account Extension option.
The Account Extension screen shall open. On left side are shown:
 Extension
 Cancellation
 Verify
Click “Extension”
The window of “Account Extension” opens
10 The Account Extension window shows (i) SOL Id (ii) PPF Account No.*
Select the account number to be extended by clicking
11 Click Submit if an account number has been selected.
An error message reading as under may pop up in case the account is being
extended before maturity.
Error Message: “Account can be extended only after maturity period”.
Following error message shall be thrown out by the system if the account is
Inactive.
“Can not operate on Inactive Accounts”
12 Click “Back” in case the above error message (s) pop(s) up.
Select the account number again as per Step No.7 above
13 If the account selected, as per Step 10 above , meets all the relevant criteria, then
the screen for “account Extension” shall open showing following:
 SOL ID
 Branch Name
 PPF Account No.
 Account Holder Name
 Balance amount
 Extension Period (Yrs) (by default it is given as 5)
 Current maturity date
 Is Form H Submitted (Yes/No)
Click “Submit”
Following message shall be thrown by the system if the extension is done
successfully.
“Account Number------------------- was extended successfully”
14 Get the above Extension verified by another authorized user.
15 The user can cancel the extension done, as per step 13 above, before verification
but has to get the same verified after the cancellation of account extension.
16 The extension period is defined in the PPF Scheme Parameter details at the data
Centre.
17 Once the account is extended, the maturity date will be updated based on the
extension period. Second extension will not be allowed unless the first extension
period expires.
JOB CARD FOR TRANSFERRING -OUT A PPF ACCOUNT FROM A GBM BRANCH
STEPS:
Sr. Activity
No.
1 Type “gbm” as option in Finacle
to GBM”
3 Click PPF
5 There are separate options under Masters in PPF of GBM for (i) Account Transfer-
Out.
Scrutinize the application submitted by the subscriber for transferring the account
for relevant details.
Click Account Transfer – Out in Masters.
The Account Transfer-out screen shall open. On left side are shown:
 Add
 Modify
 Delete
 Verify
 Inquiry
6 The window of “Transfer-Out Addition” opens. The system shall be in “ADD” mode
automatically.
7 Click Torch to select PPF a/c number to be transferred.
8 Click “Submit” if the right PPF account number has been selected.
In case it is to be cancelled then click “Cancel” This shall take you back to PPF main
menu.
9 The PPF Transfer Out screen shall open after clicking submit button as per step 8
above.
The screen shall show PPF a/c number and the balance of the account which is to
be transferred.
10 Select relevant radio button for options (Yes or No) for-- (i) Transfer to same
branch? & (ii) GBM enabled branch?
11 Click and select relevant option for (i) Transferred to (SOL Id) (ii) Bank Code
(iii) Branch Code and (iv) Transfer through -- NA/Credit Advice
12 You may write remarks, if any, in box given for remarks.
13 Click “SUBMIT” button given at the bottom of the screen. If you click CANCEL
button, it will take you back to PPF main menu.
14 The screen now shall show details .
There are four bands in dark blue which show--
“PPF Transfer Out Details“
“Transfer to Details”
“Account Holder Details”
“Nomination Details”
15 Click “Submit” or “Cancel “ as the case may be.
If details are submitted by clicking “Submit”,
It will take you to message screen wherein following message description shall be
displayed .
“Successfully Transferred Out”. Get the transaction verified by another user. The
transaction also shall be required to be verified in “Finacle”.
In case any error takes place, you can also modify the information OR cancel the
transaction by going for “Modification” OR “Cancel” option . However, this can be
done only before verification. “Exercising “Inquiry” option shall give list of all
“Transferred Out” by clicking torch .
16 Click “Back” to go back to Transfer-out screen.
17 Click “Home” to go back to PPF Main menu
JOB CARD FOR CLOSING A PPF ACCOUNT

STEPS:
Sr. Activity
No.
2 Click PPF
3 The Public Provident Fund screen shall open which shows “Masters”; “Transactions”;
“Scrolls”; “Reports”; “Inquiry” in dark blue bands.
4 There may be various circumstances when a PPF account may be required to be closed
Scrutinize the application in Form-C submitted by the subscriber for closure of the
account
There are various options under Transactions in PPF of GBM.
Click on “Account Closure” option.
Scrutinize the application in Form-C submitted by the subscriber for closure of the
account.
The Account Closure screen shall open. On left side are shown:
 Closure
 Reversal
 Verify
The screen shall be in “Account Closure “ mode automatically
5 Click Torch to select PPF a/c number to be closed.
6 Account Closure Details screen shall open which will show:
 Account Number
 Balance Amount
 Calculated Interest Amount Before Adjustment
 Interest amount to be credited
 Interest Calculation from date / to date
 Maturity amount etc. etc.
It also has box/space at the bottom for putting “Remarks”.
You must put appropriate remarks in case the account is being closed before maturity.
7 Click “Submit”
Following message shall popup if the account is being closed before maturity.
“Enter the Remarks for closing the account before maturity date”
8 In case the account is being closed before maturity due to death of the account holder,
then PPF Nominee Details screen shall open.
The screen shows:
 SOL ID
 Nominee Name
 Share percentage
 Share Amount
 Payment Mode
9 Click torch and select SOL ID and Account Number of the Nominee.
Click “Submit”.
10 The screen that opens now shall give following message:
“ Account Number---------- has been successfully closed”
11 Now in case you have wrongly closed the account then you can reverse the
transaction/closure.
Go to Step 5
Click “Reversal” and select the relevant account by clicking the torch
Click “submit”
Screen shall open giving following message:
“Account Number ---------- has been successfully reversed”
12 In case the account is being closed on maturity then there is no need to give any
remark in Remarks box (Step 7 above). However, you can still mention some remark
like “Account closed on Maturity”
In this case, after clicking “submit”, the screen reading message for closure shall open.
(Step 12 above)
13 Get the closure “verified” by another user.
15 Click “Home” to go back to PPF Main menu
Sukanya Samriddhi Account (SSA)
About SSA:
Sukanya Samriddhi Yojana is a small deposit scheme of the Government of India meant exclusively
for a girl child and is launched as a part of Beti Bachao Beti Padhao Campaign. The scheme is meant
to meet the education and marriage expenses of a girl child.
Being the Agency Bank of RBI, our Bank earns commission of Rs. 40/- per transaction
(receipt) & Rs. 9/- per online transaction (receipt).
The detailed guidelines pertaining to SSA are as under:
In exercise of the powers conferred by section 15 of the Government Savings Promotion Act, 1873(5
of 1873), the Central Government hereby rescinds with immediate effect the following rule,
namely:—
(i) The Sukanya Samriddhi Account Rules, 2016, published vide number G.S.R. 323(E), dated the
18th March, 2016:
Provided that such rescission shall not affect,-
(i) the previous operation of the said rules or anything done or omitted to be done or suffered
therein; or
(ii) any right, privilege, obligation or liability acquired or accrued or incurred under the said rules; or
(iii) any investigation, legal proceeding or remedy in respect of any such right, privilege, obligation,
liability, penalty forfeiture or punishment as aforesaid,
and any such investigation, legal proceeding or remedy may be instituted, continued or enforced
and any such penalty, forfeiture or punishment may be imposed as if the said rules had not been
rescinded.

सरकारी संपकक विभाग, 7िां तल, 16, पार्लकयामेंट स्ट्रीट, नई दिल्ली – 110 001
टे ली/Tel.: 91 11 23448717, 23448711 फैक्स/FAX: 91 11 23448706 ई-मेल/E-mail: gb.delhi@bankofbaroda.com िेब/ Web:
1. Short title and commencement.-(1) This Scheme may be called the Sukanya Samriddhi Account
Scheme, 2019.
(a) “Account” means an account opened under this Scheme;
(b) “Account holder” means a girl child in whose name the account is held;
(c) “Act” means the Government Savings Promotion Act, 1873 (5 of 1873);
(d) “birth certificate” means birth certificate issued by the municipal authority or any office
authorised to issue birth and death certificate by the Registrar of Births and Deaths or the
Indian Consulate as defined in clause (d) of sub-section (1) of section 2 of the Citizenship Act,
1955 (57 of 1955);
(e) “family” means a unit consisting of a person and his spouse (both or either of whom are
alive or deceased) and their children, adopted or otherwise;
(f) “financial year” means the period commencing on the 1stday of April and ending on the
31stday of March of the following year;
(g) “Form” means forms appended to this Scheme;
(h) “General Rules” means the Government Savings Promotion General Rules, 2018;
(i) “maturity” means maturity of an account on completion of a period of twenty-one years

from the date of its opening.
(2) Words and the expressions used herein but not defined shall have the meanings respectively
assigned to them in the Act and the General Rules.
3. Opening of account.-(1) The account may be opened by one of the guardian in the name of a girl
child, who has not attained the age of ten years as on the date of opening of the account.
(2) Every account holder shall have a single account under this Scheme.
(3) The application in Form-1 for opening an account shall be accompanied by birth certificate of the
girl child in whose name the account is to be opened, along with required documents of guardian.
(4) An account under this Scheme may be opened for a maximum of two girl children in one family:
Provided that more than two accounts may be opened in a family if such children are born in
the first or in the second order of birth or in both, on submission of an affidavit by the
guardian supported with birth certificates of the twins/triplets regarding the birth of such
multiple girl children in the first two orders of birth in a family:
Provided further that the above proviso shall not apply to girl child of the second order of
birth, if the first order of birth in the family results in two or more surviving girl children.
4. Deposits.-(1) The account may be opened with a minimum initial deposit of two hundred and fifty
rupees and in multiples of fifty rupees thereafter and subsequent deposits shall be in multiples of
fifty rupees subject to the condition that a minimum of two hundred and fifty rupees shall be made
as deposit in a financial year in one account.
(2) The total amount deposited in an account shall not exceed one lakh fifty thousand rupees in a
financial year:
Provided that the deposit in excess of one lakh fifty thousand rupees in any financial year, if
accepted due to any accounting error, shall not be eligible for any interest and be returned
immediately to the depositor.
(3) Deposits may be made in the account till the completion of a period of fifteen years from the
date of opening of the account.
(4) An account in which minimum amount as specified in sub-paragraph (1) has not been deposited
shall be considered as an account under default:
Provided that an account under default may be regularised any time till completion of a
period of fifteen years from the date of opening of account on payment of a penalty of fifty
rupees for each year of default along with the minimum annual deposit in respect of the
defaulted years.
(5) In case of an account under default, if not regularised within the time specified under sub-
paragraph (4), then the whole deposit, including the deposits made prior to the date of default, shall
be eligible for interest at the rate applicable to the Scheme till closure of the account.
5. Interest on deposit.-(1) Presently the Deposits in the account shall earn interest at the rate 7.6
per cent per annum. (Subject to change as per the notifications issued by NSI, Ministry of Finance
time to time)
(2) The interest shall be calculated for the calendar month on the lowest balance in the account
between the close of the fifth day and the end of the month. The interest shall be credited to the
account at the end of each financial year and any amount of interest in fraction of a rupee shall be
rounded off to the nearest rupee and for this purpose any amount of fifty paisa or more shall be
treated as one rupee and any amount less than fifty paisa shall be ignored.
(3) Interest shall be credited at the end of the financial year irrespective of the change of the
account office due to transfer of the account during the financial year and the interest for the whole
year is to be credited by the Financial Institution where the account stands as on 31st March of the
Financial Year.
6. Operation of account.-(1) The account shall be operated by the guardian till the account holder
attains the age of eighteen years. The account shall be operated by the account holder herself after
attaining age of eighteen years by submitting necessary documents.
7. Premature closure of account.-(1) In the event of death of the account holder, the account shall
be closed immediately on application in Form-2, on production of death certificate issued by the
competent authority and the balance at the credit of the account and interest due thereon till the
date of death shall be paid to the guardian.
(2) Interest for the period between the date of death of the account holder and date of closure of
the account shall be paid at the rate applicable on Post Office Savings Account for the balance held
in the account.
(3) Where the accounts office is satisfied that in case of extreme compassionate grounds such as
medical support in life-threatening diseases of the account holder or death of the guardian that the
operation or continuation of the account is causing undue hardship to the account holder, it may,
after complete documentation establishing the grounds for such closure, by order and for reasons to
be recorded in writing, allow premature closure of the account. Outstanding balance in the account
with interest due as applicable to the Scheme shall be paid to the account holder or guardian, as the
case may be:
Provided that no premature closure of an account under this sub-paragraph shall be made
before completion of five years from the date of opening of the account.
8. Withdrawal.-(1) On an application in Form-3, withdrawal of upto a maximum of fifty per cent of

the amount in the account at the end of the financial year preceding the year of application for
withdrawal, shall be allowed for the purpose of education of the account holder:
Provided that such withdrawal shall be allowed after the account holder attains the age of
eighteen years or has passed tenth standard, whichever is earlier.
(2) The application for withdrawal under sub-paragraph (1) shall be accompanied by documentary
proof in the form of a confirmed offer of admission of the account holder in an educational
institution or a fee-slip from such institution indicating such financial requirement.
(3) The withdrawal under sub-paragraph (1) may be made in one lump sum or in instalments, not
exceeding one per year, for a maximum of five years, subject to the ceiling specified in sub-
paragraph (1):
Provided that the amount of withdrawal shall be restricted to the actual requirement on
account of fee and other charges required at the time of admission as shown in the offer of
admission or the relevant fee-slip issued by the educational institution.
9. Closure on maturity.-(1) The account shall mature on completion of a period of twenty-one years
from the date of its opening.
(2) The closure of the account may also be permitted before completion of twenty-one years if the
account holder on an application makes a request for such closure for the reason of intended
marriage of the account holder on furnishing of a declaration duly signed on non-judicial stamp
paper attested by the notary supported with proof of age confirming that the applicant will not be
less than eighteen years of age on the date of marriage:
Provided that no such closure shall be allowed before one month from the date of the
intended marriage or after three months from the date of marriage.
(3) On an application in Form-4 by the account holder, the balance outstanding along with interest
as applicable under paragraph 5 shall be payable to the account holder.
10. Application of General Rules.- Provisions of the General Rules shall, so far as may be, apply in
relation to the matters for which no provisions have been made in this Scheme. (Please refer
11. Power to relax. - Where the Central Government is satisfied that the operation of any of the
provisions of this Scheme causes undue hardship to the account holder, it may, by order and for
reasons to be recorded in writing, relax the requirement of that provision or provisions in respect of
such account holder, in a manner not inconsistent with the provisions of the Act.
For any Scheme related query on SSA please contact:

For any technical query related to SSA:
Reference Websites:
FORM -1

To
…………………………………………………
Sir,
I ………………………..(Applicant/guardian) hereby apply for opening of an account

under______________________________________(Name of the scheme in your Post
Office/Bank.
I tender herewith Rs……………………../-
No………………… date………. as initial deposit. My particulars are as under:-
1. Name of the Depositor

……………………………………………………………
Date of Birth ……… ..……… ………………
(DD / MM / YYYY )
(In
words)……………………………………………
2. Name of Guardian ……………………………………………………………

……………………………………………………………
Date of Birth ……… ..……… ………………
(DD / MM / YYYY )
(In
words)……………………………………………
3. Aadhar Number of guardian

…………………………………………………………..
4. Permanent Account Number (PAN) of guardian
…………………………………………………………..
5. Present Address
………………………………………………………….
………………………………………………
…………..
Permanent Address
………………………………………………………….
………………………………………………………….
1
Mobile
Number…………………………………..
Email
ID……………………………………………
..
7. Type of Account Minor
8. (*)Details of Birth Certificate of the depositor

……………………………………………………….
a) Certificate No.
……………………………………………………………………..
b) Date of Issue
…………………………………………………………………….
……………………………………………………………………

………………………………………………
…………
2. Address proof
………………………………………………
…………
(The following documents are accepted as officially valid documents for the purpose of
identification and address proof: 1. Passport 2. Driving license 3. Voter’s IDcard 4. Job card
issued by NREGA signed by the State Government officer 5.Letter issued by the National
Population Register containing details of name and address;
10. The operation of the account will be:- (a) By the Guardian till the depositor
attains majority.
(b) By the depositor herself on attaining majority,

1…………………………2……………………………. 3.,……………………………
(Name)…………………………………………………………
I hereby declare that I have not opened a SukanyaSamriddhi Account in the name of the
depositor mentioned at serial number 1 in any of the Post office/Bank in the country.
I further declare that I and the depositor both are Resident citizen of India and undertake
to inform the account office of any change in our residency/citizenship status in future.
I hereby undertake to abide by the scheme provisions and Government Savings

Promotion rules-2018 applicable on the Scheme and amendments issued thereto from time
to time.
Signature or thumb impression of guardian
Date:……………………
2
Nomination
17. I…………………………………………..hereby nominate the person(s) mentioned below
to whom to the exclusion of all other persons in the event of my death the amount standing
to my credit in ……………………………………..(Name of Scheme) at the time of my death
would be payable.
S.No. Name(s) of Full address Aadhar Date of Share of Nature of

the (s) number of birth of entitlement entitlement
nominee(s) nominee nominee in Trustee or
and (optional) case of owner
relationship minor
1
2
As the nominee(s) at Serial No.(s)…………………………………….specified above is/are

minor(s), I appoint
Shri/Smt/Kumari…………………………………S/o,D/o,W/o………………………………………
…………………………………..Address……………………………………………………………
………………………………………………………………………………………………….to
receive the sum due under the said account in the event of my death during the minority of
the nominee(s).
Name & Address……………………………………………..
Name & Address……………………………………………..
Place:
Date:
The account has been opened in the name
of…………………………………on……………………..with initial deposit
ofRs………………………………………… with Account No.__________________________
dated______________________________.

No……………………………………..dated………………………………………..
3
FORM -2
Application for Withdrawal
To,
…………………………………………………
…………………………………………………
Sir,
I ……………………………………………………………..(Depositor/guardian) hereby
apply for withdrawal from my account as per details below:-
Account Number:........................................................................................
Amount of withdrawal applied...........................................................
*Certified, that the amount sought to be withdrawn to be availed is required for the
2. Please Credit the amount of withdrawal to my SB Account

no.________________________ standing at______________________(Name of Account
office).
or
or
Please pay in cash (applicable if the amount is below permissible limit of cash payment).
3. I certify that all the conditions applicable under scheme for grant of withdrawal have
been complied with.
1.
2.
Date:-______________ Signature or thumb impression of depositor/guardian
---------------------------------------------------------------------------------------- Attested
By__________________
(Attestion is applicable in case of thumb impression)
4
For office use only
Payment detail
Amount available in Account Rs ._____________________________________

Date of Initial Subscription __________________________________________
Date on which last withdrawal was allowed _________________________
Total Amount granted for withdrawalRs ._________________(In figures)
(In words)________________________________________________________

--------------------------------------------------------------------------------------
Acquittance

Date Signature/thumb impression of depositor/guardian
5
FORM -3
To,
…………………………………………………
…………………………………………………
Sir,
1. I wish to prematurely close my Account No________________________ having

balance of ____________________(Rupees______________________ Only) and request
you to pay the amount after deduction of applicable penalty as per details given below:-
2. Please Credit the amount to my SB Account no.________________________

or
or
3. I hereby declare that the provisions under which the account can be closed before
maturity have been complied with.
1.
2.
*Certified, that the amount sought to be withdrawn/loan to be availed is required for

the use of ………………………………………who is alive and still a Minor.
Date:-______________ Signature or thumb impression of depositor/guardian

-----------------------------------------------------------------------------------
office)
For office use only
Payment detail
6
(In words)________________________________________________________

--------------------------------------------------------------------------------------
Acquittance

Account No______________________________________________.
7
FORM -4

Date___________________
Account Number___________________________
1. I hereby submit pass book/deposit receipt book and apply for closure of my
above mentioned account.
2. Please Credit the amount of eligible balance in my matured account to my SB

Account no.________________________ standing at______________________(Name of
Account office).
or
or
*Certified, that the amount sought to be withdrawn/loan to be availed is required for

the use of ………………………………………who is alive and still a Minor.
Signature or thumb impression of depositor/guardian
Payment Order
Date ................................
Payment detail
8
(+) Interest due Rs. _____________________________________________
Date
Acquittance

9
Job Card-Sukanya Samriddhi Account
MENU OPTION: OSSA
FUNCTION: Open Special Savings Account

This menu is used for opening account of Sukanya Samriddhi Scheme. Before proceeding
with account opening please read the circular for eligibility details.
Note: In Finacle 7, while account opening only Customer ID is created. But here in Finacle
10, you have to first create Customer ID for girl child & the guardian and then proceed
with account opening.
STEP ACTIVITY RELEVANT

KEY/VALUE
1 Type OSSA in the Menu Shortcut field and click <Go> Go
Open Special Savings Account screen will be displayed.
2 CIF ID Enter the CIF ID for which the Sukanya CIF ID

Samriddhi account has to be opened.
3 Scheme Code Click on the searcher icon and select the SB155
scheme code SB155.
4 CCY This will be auto populated as “INR” by INR
default. Do not change it.
5 Special Saving This will be auto populated as “SSA” by SSA
Subcategory Code default if you select Scheme code by clicking
on searcher icon. If it is not auto populated
enter “SSA”
6 Go Click on Go Go
General Details tab
7 In this General Details tab, you can see Account Name, SSA maturity date,
Withdrawal Start Date and other details which will be fetched as per CIF ID entered.
8 Guardian CIF ID Enter the guardian CIF ID Guardian CIF
ID
Related Party Details tab
9 Just visit this tab
10 Submit Click on submit Submit
System will display a success message with temporary account number.
Note down the temporary account number and proceed for verification of account.
MENU OPTION: MSSAV
FUNCTION: Modify Special Savings Account before Verification
This menu is used for modification of Sukanya Samriddhi Account which is opened before
verification process is completed.
Note: Only same user can modify the record which is added.

KEY/VALUE
1 Type MSSAV in the Menu Shortcut field and click <Go> Go
Modify Special Savings Account before Verification screen will be displayed.
General Details tab

2 In this General Details tab, you can see Account Name, Short Name, Guardian CIF ID
which is entered through OSSA menu.
3 Guardian CIF ID If any wrong Guardian CIF ID is entered while Guardian
account opening you may correct it. CIF ID
4 Submit Click on submit Submit
System will display a success message that temporary account number is modified successfully.
You may now proceed for verification of this account.
MENU OPTION: VSSAO
FUNCTION: Verify Special Savings Account Opening
This menu is used for verification/cancellation of Sukanya Samriddhi Account which is

opened through OSSA menu.

KEY/VALUE
1 Type VSSAO in the Menu Shortcut field and click <Go> Go
Verify Special Savings Account Opening screen will be displayed.
2 Function Select “verify” from drop down Verify

3 A/c ID Click on the searcher icon and select the Mouse Click
temporary account number which you want
to verify
4 Go Click on Go Go
5 Visit General Details tab and Related Party details
6 Submit Click on submit if all the details are entered Submit
as per the document.
System will display the success message with Account number
eg. A/c. ID XXXXXXXXXXXXX verified successfully.
MENU OPTION: VSSAO
FUNCTION: Cancel Special Savings Account Opening
This menu is used for cancellation/verification of Sukanya Samriddhi Account which is

opened through OSSA menu.

KEY/VALUE
1 Type VSSAO in the Menu Shortcut field and click <Go> Go
Verify Special Savings Account Opening screen will be displayed.
2 Function Select “Cancel” from drop down Cancel

3 A/c ID Click on the searcher icon and select the Mouse Click
temporary account number which you want
to cancel
4 Go Click on Go Go
5 Visit General Details tab and Related Party details
6 Submit Click on submit if you wish to proceed for Submit
cancellation of this account opening.
System will display the success message with temporary account number cancelled
successfully.
eg. A/c. ID ZZXXXXXXXX Previous operation cancelled successfully
Deposit using MTSSA menu

Function: ADD
Transaction Type/ Sub Type: T/CI
Type: Contribution
Type: “Transfer In “is to be selected only if the account is opened through the Transfer
In process which are transferred from post office / other banks
SSA Job Card for Transfer-Out to other Banks

SSA Account closure using MTSSAEP
Menu: MTSSAEP
Function: Add
A/c id: enter the account id
A/c closure: Yes
Transaction Type/Sub Type: T/CI
Type: Transfer Out
<Press> Go
<Press> Submit
And get it verified by other user.
*branch need to create 1st *
On receiving the amount from other bank/PO, please mail to

gbm.ito@bankofbaroda.com with all the below mentioned details for further guidance
1) Minor and guardian CIF id of our bank and their names

2) Actual account opening date
3) Contribution to the account as on 01-04-2019
4) If any contribution from 01-04-2019 to till date , mention the date and amount
5) SOL ID
6) Branch ALPHA
Step:1:
* UPPFAD sample file is attached*
STEP 1.:-
Please find the attached file , check and confirm the details and then upload the file
following the below mentioned steps .
Menu CGENUPL
Upload File Type * : UPPFAD
File Sub Type* : UPPFAD_UPLOAD
Local File Path : Browse the file saved on your PC and UPLOAD
Account number will be generated in the success report (you will get run time error, but
account will be created).
STEP -2:-
After creation of Account, You may lodge RMENU request for the sukanya samriddhi
account
Rmenu : HTM menu ,value _date , as 01-04-2019
and then the transfer the amount available in the account as on 01-04-2019 to the SSA
using the menu MTSSA
Menu: MTSSA
Function : ADD
transaction type: T/CI
type: transfer in
and verify using the same menu .
And the deposits after 01-04-2019 should be deposited in SSA with value date after
relaxation in RMENU.
Menu: MTSSA
Function : ADD
transaction type: T/CI
type: Contribution
and verify using the same menu .
Please revert with the Sukanya Account Number once the transaction is done at branch
level for us to guide you further .
Step-2:
*UPLOADB sample file is attached*
Please upload the final file following the below mentioned steps.
Menu: HUPLOADB
Upload Option: Interest Details
Contra a/c: New intermediary a/c of the branch
Date: current BOD
Trial mode: NO
File location: Local file path

Senior Citizen Savings Scheme
About SCSS:
Senior Citizen Savings Scheme (SCSS) is a Government-sponsored savings instrument

launched in 2004 intending to provide senior citizens with a steady and secure source of
income for their post-retirement phase.
transaction (Receipt) & Rs. 9/- per online transaction (Receipt).
The detailed guidelines pertaining to SCSS are as under:
of 1873), the Central Government hereby rescinds with immediate effect the following rules,
namely:—
(i) The Senior Citizens Savings Scheme Rules, 2004, published vide number G.S.R. 490(E), dated the
2nd August, 2004;
therein; or
rescinded.

In exercise of the powers conferred by section 3A and section 15 of the Government Savings
Promotion Act, 1873 (5 of 1873), the Central Government hereby makes the following Scheme,
namely:-
1. Short title and commencement.- (1) This Scheme may be called the Senior Citizens’ Savings
Scheme, 2019.
(2) It shall come into force on date of its publication in the Official Gazette.
2. Definitions.- (1) In this Scheme, unless the context otherwise requires,-
(a) “account” means an account opened under this Scheme;
(b) “account holder” means an individual in whose name the account is held;
(c) “Act” means The Government Savings Promotion Act, 1873 (5 of 1873);
(f) “year” means a period of twelve months commencing from the date of deposit in the account.
(2) Words and expressions used herein but not defined shall have the meanings assigned to them in
the Act and the General Rules.
3. Opening of account.- (1) An individual fulfilling the following conditions may open an account by
making an application in Form-1 to the accounts office, namely:-
(i) who has attained the age of sixty years on the date of opening of the account; or
(ii) who has attained the age of fifty-five years or more but less than sixty years, and who has retired
on superannuation or otherwise on the date of opening of an account under this Scheme, subject to
the condition that the account is opened by such individual within one month of the date of receipt
of the retirement benefits and proof of date of disbursal of such retirement benefit(s) along with a
certificate from the employer indicating the details of retirement on superannuation or otherwise,
retirement benefits, employment held and period of such employment with the employer, is
attached with the application form:
Provided that the retired personnel of Defence Services (excluding Civilian Defence
employees) shall be eligible to open an account under this Scheme on attaining the age of
fifty years subject to the fulfilment of other specified conditions.
(2) The successor or legal heir of deceased serving personnel shall not be eligible to deposit the
terminal benefits of such deceased personnel under this Scheme.
(3) An account holder may operate more than one account under this Scheme subject to the
condition that the deposits in all the accounts taken together shall not exceed the maximum limit as
specified under paragraph 4.
(4) An individual may open an account in individual capacity, or jointly with spouse.
(5) In case of a joint account, the age of the first account holder shall be considered to determine the
eligibility to open the account and there shall be no age-limit for the second applicant.
(6) The whole amount of deposit in a joint account shall be attributable to the first account holder
only.
(7) Both the spouses can open single account and joint accounts with each other with the maximum
deposit of upto fifteen lakhs rupees in each account provided both are individually eligible to open
the account.
4. Deposit.- (1) The account shall be opened with a minimum deposit of one thousand rupees or any
sum in multiples of one thousand rupees not exceeding fifteen lakh rupees:
Provided that the deposits in the account specified under clause (ii) of sub-paragraph (1) of
paragraph 3, shall be restricted to the retirement benefits received, or fifteen lakh rupees,
whichever is lower.
Explanation.- For the purposes of this sub-paragraph, “retirement benefits” means any payment due
to the account holder on account of retirement on superannuation or otherwise and includes
Provident Fund dues, retirement or superannuation gratuity, commuted value of pension, cash
equivalent of leave, savings element of Group Savings Linked Insurance Scheme payable by the
employer on retirement, retirement-cum withdrawal benefit under the Employees’ Family Pension
Scheme and ex-gratia payments under a voluntary or a special voluntary retirement scheme.
(2) There shall be only one deposit in the account.
(3) Where a deposit in excess to the ceiling specified under sub-paragraph (1) has been made, the
accounts office shall, refund the excess deposit to the account holder immediately.
5. Interest on deposit.- (1) Presently the deposit made under this Scheme shall bear interest at the
rate of 7.4 per cent per annum. (Subject to change as per the notifications issued by NSI, Ministry
of Finance time to time)
(2) Interest shall be payable from the date of deposit to 31st March/30th June/30th
September/31stDecember on first working day of April/July/October/January, as the case may be, in
the first instance and thereafter interest shall be payable on first working day of
April/July/October/January as the case may be.
(3) If so authorised by the account holder, interest payable on the due dates as specified in sub-
paragraph (2), shall be credited to the account holder’s savings account.
(4) If the interest payable every quarter is not claimed by an account holder, such interest shall not
earn additional interest.
(5) Any amount of interest in fraction of a rupee shall be rounded off to the nearest rupee and for
this purpose, any amount of fifty paisa or more shall be treated as one rupee and any amount less
than fifty paisa shall be ignored.
(6) The excess amount referred to in sub-paragraph (3) of paragraph 4, shall carry interest at the rate
applicable from time to time to the Post Office Savings Account and such interest shall be payable
from the date of deposit of excess amount to the date of refund.
(7) In case of an account extended after maturity under sub-paragraph (1) of paragraph 8, the
deposit in such account shall earn interest at the rate applicable to the Scheme on the date of
maturity.
(8) Interest at the rate applicable to the Post Office Savings Account shall be payable on deposits in
the account which are not extended as per provision of paragraph 8 or closed on maturity or
extended maturity.
(9) The interest for any period less than a quarter (as specified under the Scheme) shall be calculated
as per the following formula:-
Number of days in the period x Interest for the quarter

Total number of days in the quarter
(10) If the interest is not claimed on the due date, it can be claimed on any date after the due date.
6. Premature closure of account.- (1) The account holder may withdraw the deposit and close the
account at any time on an application in Form-2 subject to the following conditions, namely:-
(i) In case, the account is closed before one year after the date of opening of account, interest paid
on the deposit in the account shall be recovered from the deposit and the balance shall be paid to
the account holder.
(ii) In case the account is closed after the expiry of one year but before the expiry of two years from
the date of its opening, an amount equal to one and a half per cent of the deposit shall be deducted
and the balance shall be paid to the account holder.
(iii) In case the account is closed on or after the expiry of two years from the date of its opening, an
amount equal to one per cent. of the deposit shall be deducted and the balance shall be paid to the
account holder.
(2) The account holder availing the facility of extension of account under sub-paragraph(1) of
paragraph 8, may withdraw the deposit and close the account at any time after the expiry of one
year from the date of extension of the account without any deduction.
(3) In case of premature closure, interest on the deposit shall be payable upto the date preceding
the date of premature closure after deduction of penalty as specified in sub-paragraph (1).
(4) Multiple withdrawals from an account shall not be permitted.
7. Closure of account.- (1) The deposit made at the time of opening of the account shall be paid on
or after the expiry of five years or after the expiry of eight years where account was extended under
paragraph 8 from the date of the opening of the account, on an application in Form-3.
(2) In case of death of the account holder before maturity or extended maturity, the account shall be
closed and deposit refunded on an application in Form-3 along with interest as applicable to this
Scheme till the date of the death of the account holder, to the nominee or the legal heirs, as the
case may be:
Provided that interest on the deposits in the account shall earn interest at the rate
applicable on Post Office Savings Account from the date of death of the account holder till
the date of final closure of the account:
Provided further that in case of a joint account, or where the spouse is the sole nominee, the
spouse may continue the account on the same terms and conditions as specified under this
Scheme, if the spouse meets eligibility conditions under the Scheme on the date of death of
the account holder.
(3) Where both the spouses have opened separate account or accounts under this Scheme and
either of the spouses dies during the currency of such account or accounts, then such account or
accounts standing in the name of the deceased account holder shall not be continued in accordance
with the first proviso of subparagraph (2) and shall be closed.
8. Extension after maturity.- (1) The account holder may extend the account for a further period of
three years by making an application in Form-4 within a period of one year from the date of
maturity.
(2) The extension of the account under sub-paragraph (1) shall be deemed to have been made from
the date of maturity irrespective of the date of application.
(3) Extension of an account under sub-paragraph (1) shall be available only once.
(4) The account holder may close the account any time after one year from the date of extension of
account without any deduction under sub-paragraph (1) of paragraph 6.
9. Application of General Rules- The provisions of General Rules shall, so far as may be, apply in
relation to matters for which no provisions have been made in this Scheme. (Please refer
10. Power to relax- Where the Central Government is satisfied that the operation of any of the
provisions in this Scheme causes undue hardship to the account holder, it may, by order, for reasons
to be recorded in writing, relax the requirements of that provision in a manner not inconsistent with
the provisions of the Act.
For any Scheme related query on SCSS please contact:

For any technical query related to SCSS:
Reference Websites:
FORM -1
To
…………………………………………………
Sir,
I/We ………………………..(Applicant/s) hereby apply for opening of an account under Senior Citizen
Savings Scheme in your Post Office/Bank.
I/We tender herewith Rs……………………../-
No………………… date………. as initial deposit. My/our particulars are as under:-
1. Name of First Account holder

……………………………………………………………
Husband/Father /mother’s name or Guardian appointed by Court
……………………………………………………………
Date of Birth ……… ..……… ………………
(DD / MM / YYYY )
(In words)……………………………………………
2. Name of Second Account holder (spouse only)

……………………………………………………………
……………………………………………………………
Date of Birth ……… ..……… ………………
(DD / MM / YYYY )
(In words)……………………………………………
3. Aadhar Number (a) of first account holder

(b) of second account holder
…………………………………………………………..
4. Permanent Account Number (PAN) (a) of first account holder
(b) of second account holder
…………………………………………………………..
5. Present Address ………………………………………………………….

…………………………………………………………..
Permanent Address ………………………………………………………….
………………………………………………………….

Mobile Number…………………………………..
Email ID……………………………………………..
7. Type of Account Single or Joint
8. Details of proof of date of Birth of account holder/s

……………………………………………………….
a) Certificate No.
……………………………………………………………………..
b) Date of Issue
…………………………………………………………………….
…………………………………………………………………….

…………………………………………………………
2. Address proof
…………………………………………………………
(The following documents are accepted as officially valid documents for the purpose of identification and
address proof: 1. Passport 2. Driving license 3. Voter’s IDcard 4. Job card issued by NREGA signed by the
State Government officer 5.Letter issued by the National Population Register containing details of
name and address;
1…………………………2……………………………. 3.,……………………………
(Name)…………………………………………………………
1…………………………2……………………………. 3.,……………………………
(Name)…………………………………………………………
I declare that I/we are Resident citizen of India and undertake to inform the account office of any change in
our residency/citizenship status in future.
I hereby undertake to abide by the scheme provisions and Government Savings Promotion rules-
2018 applicable on the Scheme and amendments issued thereto from time to time.
Details of my/our other accounts under the Scheme are as under:
S.No. Name of Scheme Date of Amount Customer Account Name of

opening of deposited Identification number Post
account Number office/Bank
1. Senior Citizen
Savings Scheme
(SCSS)
Date:……………………
Nomination
10. I/we…………………………………………..hereby nominate the person(s) mentioned below to whom to the
exclusion of all other persons in the event of my death the amount standing to my credit in
……………………………………..(Name of Scheme) at the time of my death would be payable.
S.No. Name(s) of the Full address (s) Aadhaar Date of birth Share of Nature of
nominee(s) and number of of nominee in entitlement entitlement
relationship nominee case of minor Trustee or
(optional) owner
1
2
As the nominee(s) at Serial No.(s)…………………………………….specified above is/are minor(s), I appoint

Shri/Smt/Kumari………………………………………………..S/o,D/o,W/o……………………………………………
……………………………..Address………………………………………………………………………………………
……………………………………………………………………….to receive the sum due under the said account
in the event of my death during the minority of the nominee(s).
Name & Address……………………………………………..
Name & Address……………………………………………..
Signature or thumb impression of account holder/s
Place:
Date:

The account has been opened in the name of…………………………………on……………………..with
initial deposit of Rs……………………………………….under……………………………………………..(name of
the scheme) vide Account No.__________________________ dated______________________________.

No……………………………………..dated………………………………………..

FORM -2
Application for extension of account
To,
…………………………………………………
…………………………………………………
Sir,
1. I/we________________________________________am/are account holders in Account

Number_____________________under Senior Citizen Savings Scheme in your office. The said account was
opened on___________________and has maturedon_______________for payment. I/We hereby request for
extension of the account for a further period of three years (as per scheme rule) from the date of maturity of
the above said account.
2. I/We have understood the terms and conditions applicable to the account during the period of
extension under the said scheme as amended from time to time and shall abide by them.
3. I/we continues to be resident citizen/s of India on the date of commencement of block period of three years.
Date Signature of the account holder/s
Place (Name and address)
----------------------------------------------------------------------------------------------------
For the use of Accounts Office
The account no………………………. which was opened on …………….. withRs………………….

(Rupees………………………………………………..) under__________________(Name of scheme) and
matured on ……………………, has been extended for a period of ______ years with effect from
……………….. to ………………….under rule..............of the.....................scheme.
Necessary entries have been made in the records and pass book/deposit receipt/ statement of
account.
Date Signature of Postmaster/Manager
Seal
FORM -3
To,
…………………………………………………
…………………………………………………
Sir,
1. I/we wish to prematurely close my/our Account No________________________

having balance of ____________________(Rupees______________________ Only)
opened under Senior Citizen Savings Scheme and request you to pay the amount after
deduction of applicable penalty, as per details given below:-

or
or
3. I/We hereby declare that the conditions under which the account can be closed
before maturity under Senior Citizen Savings Scheme have been complied with.
1.
2.
Date:-______________ Signature or thumb impression of account holder/s

-----------------------------------------------------------------------------------
office)
For office use only
Payment detail

(In words)________________________________________________________
--------------------------------------------------------------------------------------
Acquittance

Account No______________________________________________.
Date Signature/thumb impression of Depositor/s

FORM -4

Date___________________
Account Number___________________________
1. I/we hereby submit pass book/deposit receipt and apply for closure of my/our
above mentioned account matured on_________________.

Account office).
or
or
Signature or thumb impression of account holder/s
Payment Order
Date ................................
Payment detail
(+) Interest due Rs. _____________________________________________
Date
Acquittance


holder/s
SCSS JOB CARD
OPENING A SCSS ACCOUNT (NEW ACCOUNT)
1) Creation of Account Holder ID

Sr. Activity
No.
to GBM”
3 Click SCSS
4 The SCSS screen shall open which shows “Masters”; “Transactions”; “Scrolls”;
“Reports”; “Inquiry” in dark blue bands.
5 There are separate options under Masters in SCSS of GBM for (i) Account
Transfer- In Non-GBM branch (ii) Account Transfer - In GBM branch (iii) Account
Transfer—Out.
However, here below are given the steps for opening new account at SOL
Click account maintenance in Masters.
The Account Maintenance screen shall open. On left side are shown:
 Add
 Modify
 Delete
 Verify
 Inquiry
6 Enter relevant details like Account holder name , DOB, Address etc. and click on
submit.
The screen now shall show “Account Holder Details Inserted Successfully With
Account HolderId –SAH******“.
7 Get the account holder id verified by another authorized user.
2) Opening of SCSS account for created Account holder Id.

Sr. Activity
No.
to GBM”
3 Click SCSS
5 Go to Transcations and click on Account opening.
The Account Maintenance screen shall open. On left side are shown:
 Add
 Modify
 Delete
 Verify
 Inquiry
6 Select the account holder ID created.
Enter the relevant details like transaction mode, deposit amount etc.
7 The screen now shall show “Account Created Successfully With Account Number
= ****SCSS***** and GBMTranId = GBM***** For the Account
HolderId=SAH*****”.
8 Get the account holder id verified by another authorized user.
JOB CARD FOR CLOSING A SCSS ACCOUNT

STEPS:
Sr. Activity
No.
2 Click SCSS
4 There may be various circumstances when a SCSS account may be required to be
closed
Scrutinize the application in Form-E/F submitted by the subscriber for closure of the
account
There are various options under Transactions in SCSS of GBM.
Click on “Account Closure” option.
Scrutinize the application in Form-E/F submitted by the subscriber for closure of the
account.
The Account Closure screen shall open. On left side are shown:
 Closure
 Reversal
 Verify
 Inquiry
The screen shall be in “Account Closure “ mode automatically
5 Click Torch to select Account holder Id & SCSS a/c number to be closed.
6 Account Closure Details screen shall open which will show:
 Account Number
 Deposit Amount
 Account open date and maturity date
 Calculated Interest amount
 Interest Calculation from date / to date
 Maturity amount etc.
It also has box/space at the bottom for putting “Remarks”.
You must put appropriate remarks in case the account is being closed before maturity.
7 Click “Submit”
8 The screen that opens now shall give following message:

“ Account Number---------- has been successfully closed”
9 Now in case you have wrongly closed the account then you can reverse the
transaction/closure.
Go to Step 5
Click “Reversal” and select the relevant account by clicking the torch
Click “submit”
Screen shall open giving following message:
“Account Number ---------- has been successfully reversed”
10 Get the closure “verified” by another user.
12 Click “Home” to go back to SCSS Main menu
JOB CARD FOR EXTENSION OF A SCSS ACCOUNT
A SCSS account holder may approach you for extension of period of his/her SCSS account after
reaching maturity date. The SCSS account can be closed and amount deposited together till
date of closure can be paid to the subscriber on maturity i.e. after the expiry of –5- years.
Subscriber can, however, opt to continue her/his account for a further block of –3- years
i.e. up to 8 years after completion of 5 years without any loss of benefits only once.
STEPS:
Sr. Activity
No.
1 Type “gbm” as option in Finacle and press “Enter” key.
options such as CBDT; CBEC; Sales Tax; RBI Bonds; SCSS; Pension, Reports;
to GBM”
3 Click SCSS.
Scrutinize the Form-B (application for extension) submitted by the subscriber.
5 There are various options under Masters
Click Account Extension option.
The Account Extension screen shall open. On left side are shown:
 Extension
 Cancellation
 Verify
 Inquiry
Click “Extension”
The window of “Account Extension” opens
6 The Account Extension window shows (i) Account Holder Id (ii) SCSS Account No.*
Select the account number to be extended by clicking.
7 Click Submit if an account number has been selected.
An error message reading as under may pop up in case the account is being
extended before maturity.
Error Message: “SolDate is not in between Maturity Date and Grace Period”.
8 Click “Back” in case the above error message (s) pop(s) up.
Select the account number again as per Step No.7 above
9 If the account selected, as per Step 10 above , meets all the relevant criteria, then
the screen for “account Extension” shall open showing following:
 SOL ID
 Branch Name
 SCSS Account No.
 Balance amount
 Extension Period (Yrs) (by default it is given as 3)
 Current maturity date
 Is Form B Submitted (Yes/No)
Click “Submit”
Following message shall be thrown by the system if the extension is done
successfully.
“Account Number------------------- extended successfully”
10 Get the above Extension verified by another authorized user.
11 The user can cancel the extension done, as per step 9 above, before verification
but has to get the same verified after the cancellation of account extension.
12 The extension period is defined in the SCSS Scheme Parameter details at the data
Centre.
13 Once the account is extended, the maturity date will be updated based on the
extension period.
JOB CARD FOR TRANSFERRING -IN A SCSS ACCOUNT FROM A GBM BRANCH
STEPS:
i) Transfer in GBM branch –

This is possible where transferor branch and transferee branch are GBM branches. The
transferor branch should have already transferred out the account to the transferee
branch through their GBM Module – Transfer out menu. Such accounts are to be opened
through this menu.
Sr. Activity
No.
to GBM”
3 Click SCSS
5 There are separate options under Masters in SCSS of GBM for (i) Account Transfer-
Out.
(i) Account Transfer – In GBM branch
Click Account Transfer – In GBM Branch in Masters.
The Account Transfer-In screen shall open. On left side are shown:
 Add
 Modify
 Delete
 Verify
 Inquiry
6 The window of “Transfer-In Addition” opens. The system shall be in “ADD” mode
automatically.
7 Click Torch (From Branch) to select branch from where the a/c has been
transferred.
Click Torch (Account Holder ID) to select SCSS a/c Holder ID being transferred.
Click Torch (Account Number) to select SCSS a/c number being transferred.
8 Click “Submit” if the right SCSS account number has been selected.
In case it is to be cancelled then click “Cancel” This shall take you back to SCSS
main menu.
9 The SCSS Transfer In screen shall open after clicking submit button as per step 8
above.
The screen shall show SCSS a/c number, transfer details of the account transferring
in.
10 Enter saving account no., if any.
button, it will take you back to SCSS main menu.
displayed .
“Successfully Transferred In with SCSS account no. opened”. Get the transaction
verified by another user.
JOB CARD FOR TRANSFERRING -OUT A SCSS ACCOUNT FROM A GBM BRANCH
STEPS:
Sr. Activity
No.
to GBM”
3 Click SCSS
5 There are separate options under Masters in SCSS of GBM for (i) Account Transfer-
Out.
Click Account Transfer – Out in Masters.
The Account Transfer-out screen shall open. On left side are shown:
 Add
 Modify
 Delete
 Verify
 Inquiry
6 The window of “Transfer-Out Addition” opens. The system shall be in “ADD” mode
automatically.
7 Click Torch to select SCSS a/c holder Id to be transferred.
Click Torch to select SCSS a/c number to be transferred.
8 Click “Submit” if the right SCSS account number has been selected.
In case it is to be cancelled then click “Cancel” This shall take you back to SCSS
main menu.
9 The SCSS Transfer Out screen shall open after clicking submit button as per step 8
above.
The screen shall show SCSS a/c number and the balance of the account which is to
be transferred.
10 Select relevant radio button for options (Yes or No) for-- (i) Transfer to same
branch? & (ii) GBM enabled branch?
11 Click and select relevant option for (i) Transferred to (SOL Id) (ii) Bank Code
(iii) Branch Code and (iv) Transfer through -- NA/Credit Advice
12 You may write remarks, if any, in box given for remarks.
button, it will take you back to SCSS main menu.
14 The screen now shall show details .
There are four bands in dark blue which show--
“SCSS Transfer Out Details“
“Transfer to Details”
“Account Holder Details”
“Nomination Details”
displayed .
“Successfully Transferred Out”. Get the transaction verified by another user. The
transaction also shall be required to be verified in “Finacle”.
In case any error takes place, you can also modify the information OR deletel the
transaction by going for “Modification” OR “Delete” option . However, this can be
done only before verification. “Exercising “Inquiry” option shall give list of all
“Transferred Out” by clicking torch .
e-Kisan Vikas Patra Scheme
About e-KVP
Kisan Vikas Patra is a small saving certificate scheme launched by the Govt. of India to
encourage long-term financial discipline in people. It is a low-risk savings platform, where
you can safely park your money for a certain period.
transaction (Receipt) & Rs. 9/- per online transaction (Receipt).
The detailed guidelines pertaining to e-KVP are as under:
of 1873), the Central Government hereby rescinds with immediate effect the following rules,
namely:—
(i) The Kisan Vikas Patra Rules, 2014, published vide number G.S.R. 705(E), dated the 23rd
September, 2014;
therein; or
rescinded.

has issued the G.S.R. 920(E) dated 12.12.2019 which states as under:
1. Short title and commencement. - (1) This Scheme may be called the Kisan Vikas Patra Scheme,
2019.
(a) “Account” means an account opened under this Scheme;
(b) “Account holder” means an individual in whose name the account is held;
(c) “Act” means The Government Savings Promotion Act, 1873 (5 of 1873);
(f) “Year” means a period of twelve months commencing from the date of deposit in the account.
(2) Words and expressions used herein but not defined shall have the meanings respectively
assigned to them in the Act and the General Rules.
3. Type of accounts. - (1) on an application to the accounts office in Form-1, the following types of
accounts can be opened under the Scheme, namely:-
(a) Single Holder Type Account;
(b) Joint A- Type Account; and
(c) Joint B- Type Account.
(2) (a) A Single Holder Type Account may be opened by an adult for himself, or on behalf of a minor
or a person of unsound mind of whom he is the guardian, or by a minor who has attained the age of
ten years;
(b) Joint A-Type Account may be opened jointly in the names of upto three adults payable to all the
account holders jointly or to the survivors;
(c) Joint B-Type Account may be opened jointly in the name of upto three adults payable to any of
the account holders or to the survivor or survivors.
4. Deposits.- (1) A minimum of one thousand rupees and any sum in multiples of one hundred
rupees may be deposited in an account.
(2) There shall be no maximum limit for deposit in an account or in accounts held by an account
holder.
(3) An individual may open any number of accounts.
5. Payment on maturity.- (1) Deposits made in the account shall double on maturity. Maturity
period of an account shall be nine years and five months commencing on the date of deposit.
Amount of maturity may be repaid to the account holder on an application in Form-2 submitted to
the accounts office.
(2) The maturity period of the deposit under this Scheme shall be determined on the rate of interest
applicable at the time of opening the account. The present ROI under e-KVP is 6.9% (maturity in 124
months) (Subject to change as per the notifications issued by NSI, Ministry of Finance time to time)
6. Premature closure of account.- (1) The account may be prematurely closed by the account holder
by making an application in Form-3 to the accounts office, at any time before maturity under the
following circumstances, namely:-
(a) On the death of the account holder in a single account, or any or all the account holders in a joint
account;
(b) On forfeiture by a pledgee, being a Gazetted Officer;
(c) When ordered by a court.
(2) On the closure of the account under sub-paragraph (1), principal amount along with simple
interest calculated at the rate applicable from time to time to Post Office Savings Account for the
complete months for which the account has been held, shall be payable.
(3) Notwithstanding anything contained in sub-paragraph (2), if an account is closed any time after
the expiry of two years and six months from the date of opening of the account, the amount,
inclusive of interest shall be payable as specified in the table below:-
7. Pledging of account. - (1) An account may be pledged or transferred as security, on an application
made by the depositor in Form-4 supported with acceptance letter from the pledgee.
(2) Transfer of an account under this Scheme may be made to-
(a) The President of India or the Governor of a State in his official capacity;
(b) The Reserve Bank of India or a Scheduled Bank or a Cooperative Society, including a Co-operative
Bank;
(c) a public or private corporation or a Government company;
(d) a local authority; or
(e) a housing finance company approved by the National Housing Bank and notified by the Central
Government:
Provided that the transfer of an account opened on behalf of a minor or a person of
unsound mind shall not be permitted under this Scheme unless the guardian of the minor or
the person of unsound mind, as the case may be, certifies in writing that the minor or the
person of unsound mind, as the case may be, is alive and that the transfer is for the benefit
of the minor or the person of unsound mind.
(3) When any account is transferred as security under sub-paragraph (1), the authorised officer shall
make the following endorsement in the record of the Account, including the Savings Certificate,
namely:-
“Transferred as security to …..”.
(4) Except as otherwise provided in this Scheme, the transferee of an account under this paragraph
shall, until it is re-transferred back under sub-paragraph (5), be deemed to be the depositor.
(5) An account transferred under this Scheme may, on written authority of the transferee, be
retransferred back with the previous sanction in writing of the authorised officer and when any such
retransfer is made, the authorised officer of the accounts office shall make the following
endorsement in the record of the account, including certificate, namely:-
“Re-transferred to……”.
(6) A blind person or a person with physical infirmity making him incapable of operating the account
may pledge his deposit through any literate individual whom he authorises for this purpose.
8. Transfer of account.- An account may be transferred from one individual to another, subject to
the condition that the transferee is eligible to open an account under this Scheme, in the following
cases, namely:-
(i) On the death of the account holder in case of a single account or on the death of all the account
holders in a joint account, the amount shall be transferred to the legal heirs or the nominees, as the
case may be;
(ii) On the order of the court, the account shall be transferred from the account holder to the court
or to any other individual as per the orders of the court;
(i) On pledging, account shall be transferred in accordance with paragraph 7;
(ii) In the event of the death of any of the account holders in a joint account, the account
shall be transferred in the name of the surviving account holder or account holders, as the
case may be.
9. Payment on the death of account holder.- (1) In the event of death of the depositor of a single
account or of all the depositors in a joint account, the deposit shall be payable to the nominee if a
nomination exists or to the legal heir(s).
(2) Where there are not more than three surviving nominees or legal heirs, they may, at their option
continue the account and receive the amount of deposit along with interest on maturity in the
manner provided for in this scheme, as if they had opened the account themselves.
(3) Where the account is not continued under sub-paragraph (2), it shall be closed and the amount
of deposit along with interest as provided in paragraph 6 shall be repaid.
(4) On the death of one or two of the account holders in a joint account, the surviving account
holder or holders, if any, shall be treated as the owner or owners of the account and such account
holder or holders may continue the account under sub-paragraph (2) or close the account under
sub-paragraph (3).
10. Application of General Rules.- The provisions of the General Rules shall, so far as may be, apply
to this Scheme in relation to the matters for which no provisions have been made herein. (Please
refer Government Savings Promotion General Rules, 2018-BCC: BR: 110:553 dated 29.10.2018)
11. Power to relax - Where the Central Government is satisfied that the operation of any of the
provisions of this Scheme causes undue hardship to the amount holder, it may be by order, for
reasons to be recorded in writing, relax the requirements of that provision in a manner not
inconsistent with the provisions of the Act or the rules made there under.
For any Scheme related query on e-KVP please contact:

For any technical query related to e-KVP:
Reference Websites:
FORM -1

To
…………………………………………………
Sir,
I/We ………………………..(account holder(s)/guardian) hereby apply for opening of

an account under KisanVikas Patra Scheme in your Post Office/Bank.
I/We tender herewith Rs……………………../-
No………………… date………. as initial deposit. My/our particulars are as under:-
1. Name of First Depositor

……………………………………………………………
Husband/Father /mother’s name or Guardian appointed by Court
……………………………………………………………
Date of Birth ……… ..……… ………………
(DD / MM / YYYY )
(In
words)……………………………………………
2. Name of Second Depositor

……………………………………………………………
……………………………………………………………
Date of Birth ……… ..……… ………………
(DD / MM / YYYY )
(In
words)……………………………………………
3. Name of Third Depositor

……………………………………………………………
……………………………………………………………
Date of Birth ……… ..……… ………………
(DD / MM / YYYY )
(In
words)……………………………………………
4. Name of minor/person of unsound mind account holder
……………………………………………………………
Father /mother/guardian’s name
……………………………………………………………
Date of Birth ……… ..……… ………………
(DD / MM / YYYY )
(In
words)……………………………………………
5. Aadhar Number of account holder(s)

…………………………………………………………..
6. Permanent Account Number (PAN) of account holder(s)
…………………………………………………………..
7. Present Address
………………………………………………………….
………………………………………………
…………..
Permanent Address
………………………………………………………….
………………………………………………………….

Mobile
Number…………………………………..
Email
ID……………………………………………
..
9. Type of Account Single or Joint or through Guardian for

Minor or
person of unsound mind or blind or
differently
abled through authorized person.
10. (*)Details of date of birth of minor

……………………………………………………….
(Applicable in case of minor account)
a) Certificate No.
……………………………………………………………………..
b) Date of Issue
…………………………………………………………………….
…………………………………………………………………….
11. (*) Name of Guardian (Natural/Legal)

…………………………………………………………
(In case the account is opened on behalf of a
Minor/person of unsound mind)

………………………………………………
…………
2. Address proof
………………………………………………
…………
The following documents are accepted as officially valid documents for the purpose
of identification and address proof: 1. Passport 2. Driving license 3. Voter’s ID card
4. Job card issued by NREGA signed by the State Government officer 5.Letter
issued by the National Population Register containing details of name and
address;
13. The operation of the account will be:- (a) By all the holders
together or the surviving holder/s.
(In case of joint account) (b) By either of the holder/s, or the surviving
depositor/s,
14. My/our specimen Signatures

1…………………………2……………………………. 3.,……………………………
(Name)…………………………………………………………
1…………………… 2……………………………..3……………………………..
(Name)…………………………………………………………
1……………………….. 2…………………………… 3……………………………..

(Name)…………………………………………………………
1……………………….. 2…………………………… 3……………………………..

(Name)…………………………………………………………
I hereby undertake to abide by the scheme provisions and Government Savings

Promotion rules-2018 applicable on the Scheme and amendments issued thereto from time
to time.
Signature or thumb impression of account holder(s)/guardian
Date:……………………
Nomination
16. I/we…………………………………………..hereby nominate the person(s) mentioned
below to whom to the exclusion of all other persons in the event of my death the amount
standing to my credit in KisanVikas Patra Scheme at the time of my death would be payable.
S.No. Name(s) of Full Aadhaar number Date of Share of Nature of

the address of birth of entitlement entitlement
nominee(s) (s) nominee(optional) nominee Trustee or
and in case of owner
relationship minor
1
2
As the nominee(s) at Serial No.(s)…………………………………….specified above is/are

minor(s), I appoint
Shri/Smt/Kumari………………………………………………..S/o,D/o,W/o………………………
…………………………………………………..Address……………………………………………
……………………………………………………………………………………………………………
…….to receive the sum due under the said account in the event of my death during the
minority of the nominee(s).
Name & Address……………………………………………..

Name & Address……………………………………………..
Place:
Date:
The account has been opened in the name
of…………………………………on……………………..with initial deposit of
Rs……………………………………….under……………………………………………..(name of
the scheme) vide Account No.__________________________
dated______________________________.

No……………………………………..dated………………………………………..

FORM -2
To,
…………………………………………………
…………………………………………………
Sir,
1. I/we wish to prematurely close my/our Account No________________________

having balance of ____________________(Rupees______________________ Only)
opened under KisanVikas Patra Scheme and request you to pay the amount after deduction
of applicable penalty as per details given below:-

or
or
3. I/We hereby declare that the conditions under which the account can be closed
before maturity under the KisanVikas Patra Scheme have been complied with.
*Certified, that the amount held in the account is required for the use of
Date:-______________ Signature or thumb impression of account

holder(s)/guardian
-----------------------------------------------------------------------------------
office)
For office use only
Payment detail

(In words)________________________________________________________

--------------------------------------------------------------------------------------
Acquittance

Account No______________________________________________.
Date Signature/thumb impression of account holder(s)/guardian

FORM -3

Date___________________
Account Number___________________________
1. I/we hereby submit pass book/deposit receipt and apply for closure of my/our
above mentioned account matured on_________________.

Account office).
or
or
*Certified, that the amount held in the account is required for the use of
Payment Order
Date ................................
Payment detail
(+) Interest due Rs. _____________________________________________

Pay Rs.____________________(in figurers)________________________________(in words)
Date
Acquittance


holder(s)/guardian
FORM -4
Application for pledging of account
To
………………………………………
Sir,
1. I/We …………………………………………………..…. am/are required to deposit an

amount of Rs. ……………………………. as security with ……………………………………
(official designation of the gazetted officer of the Government or name of the Reserve
Bank of India or a Scheduled Bank, Cooperative Bank, Registered Cooperative Society,
Corporation, A Government Company or Local Authority). I/We therefore request you to
transfer the deposit in Account Number_____________________ under KisanVikas Patra
Scheme as security in favour of ………………………………………………………………
(Official Designation of the Officer or name of the Branch etc to whom the Account is being
pledged as security.)
2. I/We agree that the account(s) can be encashed by the pledgee when the security
has been forfeited. Nomination vide registration number.............................in the account
stands cancelled.
Particulars of Account
Account number Date Name of Account office Amount
The authority mentioned above has agreed to accept the pledge. A pledge acceptance duly
signed by the competent authority as pledgee is attached.
Dated : …………………………………….. Signature of account

holder(s)/guardian
Address ...........……………………………
For office use only

Account number__________________ has been pledged vide registration
no....................................dated....................... and necessary entries have been marked in
the record. Passbook/deposit receipt/statement of account has also been marked with
pledge and returned to the account holder.
Signature of Post Master/Manager
Seal
JOBCARD - KVPNSC
KVP accounts can be opened in in Finacle using menu option KVPNSC.
MENU OPTION: KVPNSC
Options in KVPNSC menu are as under:
1. Account Opening:
a. ADD
b. MODIFY
c. VERIFY
d. INQUIRE
e. CANCEL
2. Receipt Generation
Validations in Menu:
Following validations are incorporated in the menu:
1. Customer IDs have to be created for new customers using already existing menu- CRLC.
2. KYC ID Doc code should be “206 – Letter Issued by UIDAI containing details of name,
address and Aadhar Number”
3. In case of account opened for minor, applicant’s as well as Guardians KYC ID Doc code
should be “206 – Letter Issued by UIDAI containing details of name, address and Aadhar
Number”
4. If mode of payment is “Other Bank’s cheque”, then while verifying account, tran id will
be generated which has to posted manually.
Account Opening:
a. ADD:
“ADD” Option is used to add a new KVP Account. Select KVP radio button, select the Function
“Account opening” and select option “ADD”. Give customer ID and click on “Go”.
Following page will be displayed. Give all the details and click on “Submit”. New unique
reference number will be generated.
b. MODIFY:
“MODIFY” Option is used to modify any entry before verification. User will be able to modify
any details before verification using this option. Select KVP radio button, select the Function
“Account opening” and select option “MODIFY”. Give reference number and click on “Go”.
Following page will be displayed and user can modify any detail and do submit. “Application
Updated successfully” message will be displayed.
c. VERIFY:
“VERIFY” Option is used to verify KVP Account. Select KVP radio button, select the Function
“Account opening” and select option “VERIFY”. Give reference number and click on “Go”.
Following page will be displayed, verify the details and click on submit. “Account opened
successfully 29040300029936 with TranId : 002459” will be displayed.
d. INQUIRE:
“INQUIRE” option is used to inquire any KVP Account. Select KVP radio button, select the
Function “Account opening” and select option “INQUIRE”. Give reference number and click on
“Go”.
Following page will be displayed.

e. CANCEL:
“CANCEL” option is used to cancel any KVP Account before verification. Select KVP radio button,
select the Function “Account opening” and select option “CANCEL”. Give reference number and
click on “Go”.
Following page will be displayed. Click on “Submit” to cancel the record.
“Application Serial No KVP2018Q4BARB0MAYURA00003 cancelled successfully” will be

displayed.
Receipt Generation:
This option is used to generate Receipt for KVP Certificate. Select “Receipt Generation” and in
next page select the account for which receipt has to be generated. Go to HPR Menu to print
the receipt.
Note: Print receipt in Landscape Mode.
Government Savings Promotion General Rules, 2018
Provisions of the General Rules shall, so far as may be, apply in relation to the matters for which no
provisions have been made in the particular Scheme i.e. Public Provident Fund Scheme (PPF), Sukanya
Samriddhi Account (SSA) and Senior Citizen Savings Scheme (SCSS), e-KVP.
Therefore, Department of Economic Affairs, Ministry of Finance, Govt. of India vide their Gazette
Notification No. G.S.R. No. 1003 (E) dated 05th October 2018 issued the Government Savings Promotion
General Rules 2018 which are appended below.
1. Short title and commencement- (1) These rules may be called the Government Savings Promotion
General Rules,2018.
(2) They shall come into force on the date of their publication in the Official Gazette.
2. Applicability- These rules shall apply to the schemes listed in the Schedule appended to the
Government Savings Promotion Act, 1873 (5 of 1873).
3. Definitions- (1) In these Rules, unless the context otherwise requires:-

(a) “Accounts Office” means an office of a Government Savings Bank authorised to open an account;
(b) “Act” means the Government Savings Promotion Act, 1873 (5 of 1873);
(c) “Eligible Balance” means the amount of balance at the credit of the account, including interest
accrued thereon, after effecting recoveries on account of outstanding principal and interest, if any, in
respect of a loan availed by the depositor;
(d) “Form” means a form appended to these rules;
(e) “Joint Account” means an account opened in the names of more than one and up to four individuals;
(f) “Matured account” means an account, which has completed its term or extended term and has
become due for payment;
(g) “Non-resident Indian” means an individual being a citizen of India or a person of Indian origin who is
not a ‘resident’ as per the provisions of the Income Tax Act, 1961 (43 of 1961)
(h)“Officially Valid Document” means the passport, the driving licence, the Voter's Identity Card issued
by the Election Commission of India, job card issued by Mahatma Gandhi National Rural Employment
Guarantee Act duly signed by an officer of the State Government, letter issued by the National
Population Register containing details of name and address;
(i) “Operation of an Account” means opening of, deposit in, transfer of or withdrawal from an Account;
(j) “Passbook” means a document, in physical or electronic form, issued by an Accounts Office
containing particulars of the depositor and details of transactions made in that account;
(k) “Single Account” means an account opened in the name of one individual;
(l) “Transfer” means transfer of an account of a depositor from one Accounts Office to another Accounts
Office.
(m) “Schedule” means a schedule annexed to this rule.
(2) The words and expressions used herein and not defined but defined in the Act shall have the same
meanings as assigned to them in the Act.
टे ली/Tel.: 91 11 23448717, 23448711 फैक्स/FAX: 91 11 23448706 ई/मेल-E-mail: gb.delhi@bankofbaroda.com िेब/ Web:
4. Eligibility to open an account- (1) An adult who is a resident citizen of India is eligible to open an
account under these rules.
Provided that an account may be opened by a guardian on behalf of a minor or person of unsound mind:
Provided further that the guardian as well as the minor or a person of unsound mind shall be the
resident citizen of India.
(2) A Minor who has attained the age of ten years may open and operate an account in accordance with
the provisions of a Savings Scheme.
(3) If a depositor in a single account, or any of the depositors in a joint account, or either the guardian of
minor or person of unsound mind or minor depositor, as the case may be, subsequently becomes Non-
resident Indian during the period the account is in operation, the account may be continued till its
maturity and the benefits available to the depositor in the said account shall be available only on non-
repatriation basis and the account shall not be allowed to be extended or continued beyond maturity,
even if such extension or continuation is and otherwise permissible, and no interest shall be payable
after the date of its maturity.
(4) If a depositor in a single account, or any of the depositors in a joint account, or either the guardian or
a minor depositor or a depositor who is a person of unsound mind, as the case may be, ceases to be a
citizen of India, the account shall be closed or deemed to be closed from the last day of the month
preceding the month in which the depositor ceases to be a citizen of India:
5. Opening of an account.- (1) An Account may be opened by the depositor either by visiting the
Accounts Office in person or through permissible electronic modes including internet or mobile banking
application of the respective Government Savings Bank in accordance with the procedure approved by
the Reserve Bank of India, from time to time.
(2) An eligible individual desiring to open an account may do so by making an application to the
Accounts Office along with the following documents namely:-
(a) proof of age of minor in case of account opened by a minor or on behalf of a minor;
(b) a recent passport size photograph;
(c) a certificate from Superintendent of mental hospital where a person of unsound mind is confined or
treated, as the case may be, in case the account is opened on behalf of the person of unsound mind;
(d) amount of deposit, accompanied by a Pay-in-Slip; and
(e) Identity documents specified in rule 6.
(3) An illiterate or a blind or visually challenged individual desiring to open an account shall personally
visit the Accounts Office for authentication of his signature or thumb impression by the Accounts Office
provided he shall be accompanied by a person known to the Accounts Office and a literate person may
be authorised by the blind or visually challenged depositor to operate an Account on his behalf.
(4) An illiterate depositor shall be assisted by the Authorised Officer of Accounts office for opening
(filling up of forms etc.) and operating the account and thumb impression of the illiterate depositor shall
be witnessed by an independent witness acceptable to the Accounts Office on each occasion of
withdrawal.
(5) A blind or visually challenged or illiterate depositor may open joint account with literate depositor.
(6) The persons with autism, cerebral palsy, mental retardation and multiple disabilities as defined in
section 2 of Mental Retardation and multiple disabilities Act, 1999 (44 of 1999) may open and operate
an account through guardian and a certificate from the Medical Superintendent or Civil surgeon or Chief
Medical officer of the Central or State Government to this effect shall be submitted at the time of
opening the account.
6. Identification of depositor– (1) In addition to the documents mentioned in sub-rule (2) of Rule 5, an
individual shall also submit to the Accounts Office, the following identity documents containing proof of
identity and address for the purpose of opening an account, namely:-
(a) the Aadhaar Number issued by the Unique Identification Authority of India:
Provided that where the Aadhaar Number has not been assigned to an individual, he shall furnish proof
of application of enrolment for Aadhaar, and if the individual does not submit the proof of application of
enrolment, he shall furnish a certified copy of an officially valid document containing details of his
identity and address along with a recent photograph.
(b) the Permanent Account Number or Form 60 as defined in the Income Tax Rules, 1962:
Provided that if an individual does not submit the Permanent Account Number at the time of opening an
account, he shall submit the same to the Accounts Office within a period of six months from the date of
the opening of the account and if a depositor who has already opened an account prior to the date of
this notification and has not already submitted his Permanent Account Number to the Accounts Office,
he shall do so within a period of six months from the date of this notification and in the event of the
failure of the depositor to submit the Permanent Account Number within the specified period of six
months, his account shall cease to be operational till the time he submits the Permanent Account
Number to the Accounts Office;
(c) any other document as may be considered necessary by the Accounts Office including those
related to the nature of business and financial status of the depositor.
(2) In case the Aadhaar Number or Permanent Account Number submitted by the depositor does not
have the present address, the depositor shall submit a certified copy of an officially valid document
containing his present address:
Provided that if the officially valid document submitted by the depositor does not contain updated
address, any of the following documents shall be deemed to be officially valid documents for the limited
purpose of proof of address, namely:-
(i) utility bill which is not more than two months old of any service provider (electricity,
telephone, postpaid mobile phone, piped gas, water bill); or
(ii) property or Municipal tax receipt; or
(iii) pension or family pension payment orders issued to retired employees by Government
Departments or Public Sector Undertakings, if they contain the address; or
(iv) letter of allotment of accommodation from employer issued by the State Government or
Central Government Departments, statutory or regulatory bodies, public sector
undertakings, scheduled commercial banks, financial institutions and listed companies and
leave and licence agreements with such employers allotting official accommodation:
(v) Provided further that the depositor shall submit Aadhaar Number or Permanent Account
number, or a certified copy of an officially valid document containing updated current
address within a period of three months of submitting the above documents.
(3) In case of a Joint Account, identity document of all the depositors opening the account jointly shall
be obtained by the Accounts Office.
(4) In case of an account opened on behalf of a minor or a person of unsound mind the identity
documents of the guardian shall be furnished to the Accounts Office.
(5) Where an account is opened through an authorised agent, the agent shall also affix his signatures
and mention the particulars of his agency on the identity documents, alongside those of the depositor.
(6) In case of change of address, the depositor shall submit the relevant identity document with updated
address within a period of three months.
7. Mode of deposit- (1) A deposit in an account may be made;

(i) in cash in Indian rupees; or
(ii) by means of a crossed Cheque, a Demand Draft or a Pay Order drawn in favour of the authorised
Officer of the accounts office; or
(iii) by submitting a signed withdrawal Form in respect of a savings account standing in the same
Accounts Office; or
(iv) by electronic transfer permitted by the Reserve Bank of India in respect of similar transactions in
commercial banks.
(2) In case of deposit by means of a cheque, the date of realisation of the cheque shall be the date of
deposit.
(3) Each deposit except that made through online shall be accompanied by a duly filled in deposit form
as may be prescribed by the Government Savings Bank and the counterfoil of the deposit form shall be
returned to the depositor duly receipted by the Accounts office.
(4) Where the deposit is made by means of an outstation cheque or instrument, collection charges, as
applicable, shall be payable by the Depositor on actual basis, either by debit to the Savings account of
the depositor or in cash against a proper receipt.
8. Types of accounts.- (1) An Account may be opened either as a Single Account or as a Joint Account.
(2) On the basis of mode of operation, Joint Accounts shall be of two types, namely:-
(i) Joint ‘A’ type, to be operated by all the depositors or the surviving depositors jointly; and
(ii) Joint ‘B’ type, to be operated by any of the depositors or the surviving depositors severally.
(3) An account opened as a Single Account cannot be subsequently converted into a Joint Account or
vice versa.
(4) A depositor in a single account under a Savings Scheme desirous of opening a joint account under the
same Savings Scheme may do so subject to the overall ceiling on the amount of deposit or the number
of accounts, applicable to that Savings Scheme.
(5) A depositor in a Joint Account under a Savings Scheme, desirous of opening a Single Account under
the same Savings Scheme, may do so subject to the overall ceiling on the amount of deposit, and the
number of accounts, applicable to the Savings Scheme.
9. Payment of interest.- (1) The deposits made in an account shall earn interest at the rate, as may be
notified by the Central Government, from time to time, in respect of the Savings Scheme concerned.
(2) No interest shall be payable on an account opened or maintained, or on a deposit made, in

contravention of these rules.
(3) Interest shall be calculated in the manner as provided in the Savings Scheme.
minor depositor or depositor who is person of unsound mind in an account opened on behalf of a minor
or a person of unsound mind, as the case may be, subsequently becomes Non-resident Indian during the
period the account is in operation, the account shall earn interest at applicable rate till its maturity and
no interest after the date of maturity shall be payable on such accounts and the benefits available to the
depositor shall be available only on non-repatriation basis.
minor depositor or depositor who is a person of unsound mind, in an account opened on behalf of a
minor or a person of unsound mind, as the case may be, ceases to be a citizen of India, the account shall
be closed or deemed to be closed from the last day of the month preceding the month in which the
depositor ceases to be a citizen of India and interest at the rate applicable to the Post office Savings
Account shall be payable on such accounts till its closure.
(6) An account which has matured but not closed, the eligible balance in the account shall continue to
earn interest at the rate applicable to the Post Office Savings Account, till the closure of the account.
(7) Any interest credited erroneously to an account shall be reversed immediately on the detection by
the Accounts Office under written intimation to the depositor.
10. Operation of an account opened in the name of a minor.- (1) An Account opened in the name of a
minor shall be operated by,-
(i) the guardian, if opened by the guardian;
(ii) the minor, if opened by the minor.
(2) In case of an account opened in the name of a minor by the guardian and if the minor attains
majority during the period the account is in operation, the account shall be operated by the depositor
and the depositor shall submit a revised application along with the documents required under sub-rule
(2) of rule 5 for opening of an account to the Accounts Office and the signature of the depositor who has
become major shall be attested on the revised application form by the guardian who opened the
account.
(3) In the event of the death of the minor or a person of unsound mind, the eligible balance shall be paid
to the nominee:
Provided that in case of accounts opened before the 1st April, 2018, wherein no nomination was
permissible, the eligible balance shall be paid to the guardian.
(4) In the event of death of the guardian, the succeeding guardian shall be eligible to operate the
account of the Minor or the person of unsound mind, as the case may be.
11. Operation of an account by depositors suffering from physical infirmity or by differently-abled

persons (including persons with autism, cerebral palsy and mental retardation)- (1) A depositor who
suffers from any physical infirmity or is with differently-abled
conditions, making him incapable of operating the account himself, may at the time of opening of
account or subsequently, operate, including withdraw, his account through any literate individual whom
he authorises for this purpose:
Provided that such authorisation, along with the extent of authorisation, shall be made in writing by the
depositor to the authorised officer of the Accounts Office, together with attested specimen signature
and photograph of authorised individual.
(2) Authorisation given under sub-rule (1) may be withdrawn or varied at any time by the depositor by
submitting a fresh authorization.
12. Withdrawal from an account- (1) At the time of payment of maturity proceeds or partial withdrawal
or interest, the depositor shall affix his signature or thumb impression in the presence of the authorised
officer who shall verify the identity of the person.
(2) In the case of an account opened on behalf of a minor or a person of unsound mind, any withdrawal
during the minority or the lunacy of the depositor, as the case may be, shall be permitted to the
guardian on furnishing a certificate:
“that the amount sought to be withdrawn is required for the use of Mr./ Ms.………………. who is minor or
a person of unsound mind and is alive on this day”.
(3) Payment of partial withdrawal of the eligible amount or payment of interest may be made by any of
the means specified in sub-rule (2) of Rule 19.
13. Transfer of an account.- (1) An account opened under these rules may be transferred from one
Accounts Office to another Accounts Office, whether under the same Government Savings Bank or
another, anywhere in India by submitting an application in Form-5, along with prescribed fees specified
in Schedule II, and passbook or savings certificate in original to the Accounts Office where the account is
maintained or to the Accounts Office where the account is intended to be transferred.
(2) In case the application for transfer is submitted to an Accounts Office where the account is intended
to be transferred, the said Accounts Office shall forward the request of the depositor to the Accounts
Office where the account is maintained for taking requisite action in this regard.
(3) In case of transfer of an account from one Government Savings Bank to another, the Accounts Office
where the account stands, on receipt of such request shall effect the transfer immediately, and forward
the following original documents to the transferee Accounts Office namely:-
(i) Account Opening Form,
(ii) Specimen signatures of the depositors,
(iii) Particulars of nomination,
(iv) Identity documents,
(v) Updated Account Statement or Ledger,
(vi) Certified copy of Savings Certificate, in case of Savings Certificate,
(vii) Pay Order or Demand Draft in respect of the balance at the credit of the Account.
14. Nomination.- (1) A Depositor in a Single Account, or the depositors in a joint account, as the case
may be, shall nominate one or more individuals as nominee but not exceeding four individuals, who in
the event of the death of the depositor in a Single Account or all the depositors in a joint account, shall
be entitled to receive the eligible balance.
Such nomination shall be made at the time of opening of the account by furnishing the following
information in Form10:
(a) Name(s) of the nominee(s);
(b) Percentage share each nominee shall be entitled to;
(c) Whether the nominee shall receive the amount as a beneficiary with absolute and exclusive right of
ownership, or as a trustee for the benefit of the legal heirs of depositor.
(2) Where the nominee is a minor, the depositors making the nomination, by furnishing the necessary
particulars in Form 10, shall appoint an individual to receive payment of the eligible balance in the event
of the death of the depositor during the minority of the nominee.
(3) The nomination made under sub-rule (1) may be varied by the depositors by making a fresh
application in Form 10, together with the Passbook, to the Accounts Office any time before the maturity
of the account.
(4) In case of accounts, except those in the name of a minor or a person of unsound mind, opened
before the 1st April2018, and where no nomination has been made, the depositor shall do so
immediately and in any case before the maturity of the account.
(5) In case of an account opened by a minor or on behalf of a minor or a person of unsound mind, as the
case may be, the nomination shall be made by the guardian, who may nominate any individual,
including himself in this regard:
Provided that in respect of such accounts opened before the 1st April 2018, no nomination shall be
allowed and in the event of the death of the depositor, the eligible amount shall be paid to the guardian.
(6) Any nomination made under sub-rule (1) shall stand cancelled under the following circumstances
namely:-
(i) death of all the nominee;
(ii) transfer of the account as security under rule 16;
(7) A fresh nomination shall be required to be made under the circumstances enumerated in sub-rule
(6).
(8) The thumb impression of an illiterate depositor at the time of making nomination under sub-rules (1)
and (7), or altering the nomination in terms of sub-rule (3), shall be attested by two witnesses. No
witness shall be required in case of a literate depositor for the purpose.
15. Payment on the death of depositor.- (1) In the event of death of the depositor of a single account or
of all the depositors in a joint account, the eligible balance in the account shall be payable as specified in
sub-rules (2) to (6).
(2) If a nomination made under rule 14 is in force at the time of death of the depositor of a single
account or all the depositors of a joint account, the nominee may make an application in Form 11 to the
Accounts Office for payment of the eligible balance and the application shall be accompanied by the
proof of death of the depositor, and where any other nominee has also died, the proof of death of such
nominee.
(3) If there are two or more surviving nominees, the eligible balance shall be paid in the proportion as
specified by the depositor while making the nomination, and if no such proportion or share is specified,
then in equal proportion to all the surviving nominees.
(4) If any nominee dies, his specified share in the eligible balance shall be distributed among the
surviving nominees in the same proportion as their specified shares.
(5) Where the surviving nominee is a minor, the payment shall be made to a person appointed by the
depositor under sub rule(2) of rule 14 to receive such payment and, if no such person has been
appointed, to the guardian of the minor.
(6) If a depositor dies and there is no nomination in force at the time of his death, and probate of his will
or letters of administration of his estate or a succession certificate as granted in the Indian Succession
Act, 1925 (39 of 1925) is not produced within six months from the death of the depositor to the
authorized officer of the Accounts Office where the account stands, then,-
(i) if the eligible amount in the account does not exceed Rs. 5 lakh, the authorized officer of the
Accounts Office or the authority specified by the Institution to which the Accounts Office belongs, may
pay the same to any person appearing to him as the rightful claimant and to his satisfaction to be
entitled to receive the amount or to administer the estate of the deceased, on an application in Form-11
accompanied by the following documents; namely:-
(a) Death certificate,
(b) Pass Book or deposit receipt/statement of account in original,
(c) Affidavit in Form-13,
(d) Letter of disclaimer in Form-14,
(e) Bond of Indemnity in Form-15,
(ii) if the eligible amount in a deceased account is above Rs. 5 lakh, the amount shall be paid by the
Accounts office to the claimant on submission of ‘Succession Certificate’ issued by the court along with
the following documents; namely:-
(a) Claim form,
(b) Pass Book or deposit receipt or statement of account in original,
(c) Death certificate of the account holder.
16. Pledging of an account.- (1) Where the provision of the Savings Scheme so permit, an Account may
be pledged or transferred as security, on an application made by the depositor in Form 7 supported with
acceptance letter from the pledgee.
(2) Transfer of an account under this rule may be made to-
(a) the President of India or the Governor of a State in his official capacity;
(b) the Reserve Bank of India or a Scheduled Bank or a Cooperative Society, including a Co-operative
Bank;
(c) a Public or Private Corporation or a Government Company;
(d) a Local authority; or
(e) a housing finance company approved by the National Housing Bank and notified by the Central
Government.
Provided that the transfer of an account opened on behalf of a minor or a person of unsound mind shall
not be permitted under this rule unless the guardian of the minor or the person of unsound mind, as the
case may be, certifies in writing that the minor or the person of unsound mind, as the case may be, is
alive and that the transfer is for the benefit of the minor or the person of unsound mind.
(3) When any account is transferred as security under sub-rule (1), the authorised officer shall make the
following endorsement in the record of the Account, including the Savings Certificate, namely:-
“Transferred as security to …..” .
(4) Except as otherwise provided in these rules, the transferee of an account under this rule shall, until it
is re-transferred back under sub-rule (5), be deemed to be the depositor.
(5) An account transferred under this rule may, on written authority of the transferee, be re-transferred
back with the previous sanction in writing of the authorised officer and when any such retransfer is
made, the authorised officer of the accounts office shall make the following endorsement in the record
of the account, including Certificate, namely:-
“Re-transferred to……”.
(6) A blind or a person with physical infirmity making him incapable of operating the account may pledge
his deposit through any literate individual whom he authorises for this purpose under rule 11.
17. Payment of the eligible balance in an account held by Army, Air Force and Navy personnel.-
(1)Notwithstanding anything contained in rules 14 and 15, where a depositor serving in the Army, Air
Force or Navy dies or deserts, the Commanding Officer of the Corps, department, detachment, unit or
ship to which the depositor belonged, or the Committee of Adjustment, as the case may be, may send a
requisition to the authorised officer of the accounts office where the account stands for payment of the
eligible amount to the Commanding Officer or the Committee of adjustment.
(2) The requisition under sub-rule (1) may be made under section 3 or section 4 as the case may be of
the Army and Air Force (Disposal of Private Property) Act, 1950 (40 of 1950) in the case of
a depositor belonging respectively to the Army or the Air Force, or under section 171 or section 1972 of
the Navy Act, 1957 (62 of 1957) in the case of a depositor belonging to the Navy.
(3) The authorised officer of the accounts office shall be bound to comply with such requisition even
though there is inforce at the time of death or desertion of the depositor a nomination made in favor of
any person.
18. Issue of Passbook.- (1) On opening of an account, the depositor shall be issued a passbook or
deposit receipt or statement of account as applicable to the Savings Scheme by the accounts office and
the pass book or deposit receipt or statement of account shall contain the following information;
namely:-
(a) Customer Identification number,
(b) Name and address of Accounts Office,
(c) System generated unique accounts number,
(d) Name of the scheme,
(e) Name and address of the depositors,
(f) Type of account (single or joint-A or Joint-B or Minor or authorised),
(g) Amount of deposit,
(h) Date of deposit, date of extension and date of maturity,
(i) Nomination registration number and date.
(2) The passbook or deposit receipt or statement of account shall be duly stamped and signed by the
authorised officer of the accounts office.
(3) If the passbook or deposit receipt or statement of account is lost or stolen in custody of the
depositor, a duplicate passbook or deposit receipt or statement of account may be issued on an
application and payment of prescribed fee to the accounts office.
(4) If a savings certificate issued prior to issue of these rules, is lost or stolen or distorted or mutilated, a
duplicate in the form of a passbook shall be issued on surrender of mutilated certificate on application
by the depositor on payment of prescribed fee and submission of Indemnity bond.
(5) The accounts office shall not be liable for consequences of any unauthenticated entries in the
passbook or deposit receipt or statement of account, or certificate, as the case may be.
19. Closure of account.- (1) The closure of an account shall be permitted on its maturity:
Provided that pre-mature closure of an account may be permitted if provided for in the Savings Scheme
and subject to the conditions specified therein.
(2) Payment of eligible balance under sub-rule (1) shall be made, at the option of depositors or guardian
or nominee or
legal heir, as the case may be, through any of the following means; namely:-
(a) by transfer to the Savings Bank account of the payee,
(b) by a crossed cheque,
(c) by cash, if the amount is below the limit prescribed in this regard under the Income Tax Act, 1961.
(3) Pre-mature closure of an account shall be permissible as per the provisions of the Savings Scheme.
20. Loans and partial withdrawal.- (1) Loans and partial withdrawals from an account shall be allowed
where permissible under the provisions of a Savings Schemes, and shall be subject to the conditions
specified therein.
(2) In case of an account opened on behalf of a minor or a person of unsound mind, loan or partial
withdrawal shall be permitted to the guardian on furnishing the following certificate; namely:-
Shri/Smt./Master/Kumari……………………………. who is a minor/ a person of unsound mind/ a person
incapable of operating his account due to physical infirmity and is alive on this……the day
of…………..(month), ……….(year).”
(3) In case of an account opened by a minor under sub-rule (1) of rule 4, the loan or partial withdrawal
shall be permissible to the minor.
(4) A depositor suffering from physical infirmity, including blindness, that renders him incapable of
operating his account, may avail the facility of loan or partial withdrawal through an individual
authorised by him under rule 11.
21. Recovery of excess amount paid.- Any amount not due but erroneously paid to a depositor,
guardian, nominee or any other person authorised by the depositor shall be recoverable by the
Government in the same manner as the arrears of land revenue from such depositor, guardian,
nominee, or any other authorised person, as the case may be.
22. Forms for operation- The forms prescribed for opening and operating the accounts are given in
Schedule I.
23. Fee for services.- The fees shall be charged for rendering various services as specified in Schedule II
of these rules.
24. Responsibility of Accounts Office.- (1) The Accounts Office shall be responsible for;
(a) opening of Accounts, accepting deposits, making payments, closing and transferring accounts under
these rules and maintaining records thereof;
(b) Providing services and facilities to the depositor as provided in these rules as well as in the provisions
of the Savings Schemes.
(2) The Accounts Officer shall furnish such data, reports, information, documents and evidence as may
be required, and facilitate inspection of records, as may be deemed necessary in relation to any account
by the Central Government.
(3) The Accounts Officer shall create adequate technological infrastructure to carry out the provisions of
these rules and those of various savings schemes, and to promote digital transactions by the depositors.
(4) If at any stage it is found that an account has been opened, or a deposit made, in contravention of
the rules, the Accounts Office shall close the account forthwith and refund the amount deposited
without any interest
(5) In case of any loss caused or liability incurred to the Government on account of non Implementation
or wrong implementation of the provisions of the Act or any of the rules made thereunder, the
Government Savings Bank concerned shall be liable to bear the entire liability which may so arise.
(6) The responsibility shall not vest with the Accounts Office under the following circumstances;
namely:-
(a) for any fraudulent withdrawal by a person by obtaining possession of a passbook or savings
certificate or the cheque book while in the custody of the depositor, and where the Accounts
Office has applied all due diligence and caution while making such payment.
(b) for any act, whatsoever, committed by a person or agent duly authorised by the depositor to act
on his behalf with respect to the operation of an account.
(c) for any action taken in good faith by the Authorised Officer of the Accounts Office.
25. Applicability of old rules.- In respect of a question or a matter relating to any of the Savings Scheme,
prior to the date of commencement of these rules, the provisions of the Post Office Savings Bank
General Rules, 1981 shall apply.
26. Repeal and savings:- (1)The Post Office Savings Bank General Rules, 1981; the Post Office Savings
Certificates Rules, 1960; and the Public Provident Fund Scheme, 1968 are hereby repealed.
(2) Notwithstanding such repeal, anything done or any action taken under the rules so repealed shall be
deemed to have been done or taken under the corresponding provisions of these rules.
27. Interpretation. - If any question arises relating to the interpretation of these rule or any rule or
provision of a Savings Scheme, the Department of Economic Affairs, Ministry of Finance shall be the
competent authority to interpret the same and such interpretation shall be final and binding.
28. Power to relax.- Where the Central Government is satisfied that the operation of any of these rules
or of any provision of a savings schemes causes undue hardship to a depositor or depositors of an
account, it may, by order, for reasons to be recorded in writing, relax the requirements of that provision
in a manner that is not inconsistent with the provisions of the Act.
Government Savings Promotion General Rules 2018

Schedule-I
Forms to be used for operation of an account
GSPR-2 Pay in slip
GSPR-4 Pass Book
GSPR-5 Application for Transfer of Account
GSPR-7 Application for Pledging of Account
GSPR-10 Form for making nomination or Change or Cancellation of nomination
GSPR-11 Claim Form (Deceased)
GSPR-12 Form for authorization of operation of account
GSPR-13 Affidavit
GSPR-14 Letter of disclaimer
GSPR-15 Bond of Indemnity
Government Savings Promotion General Rules 2018
Schedule-II
Fee to be charged for Services
(a) (i) Issue of duplicate pass book –Rs. 50.
(ii) Issue of statement of account or deposit receipt-Rs. 20 in each case.
(iii) Issue of pass book in lieu of lost or mutilated certificate – Rs. 10 per registration.
(b) Cancellation or change of nomination – Rs. 50
(c) Transfer of account –Rs. 100
(d) Pledging of account –Rs. 100
(e) Issue of cheque book in Savings Bank Account – No fee for upto10 leafs in a calendar year and
thereafter at Rs.2 per cheque leaf.
(f) Charges on dishonor of cheque- Rs. 100
Tax as applicable on the above service charges shall also be payable.
FORM -2
(See Rule 5 of Government Savings Promotion Rules, 2018)
Pay-in-slip
FORM -4
Pass Book
On Back of cover page
(Major provision of the scheme)
FORM -5
Application for transfer of account under National Savings Scheme
To,
…………………………………………………
…………………………………………………
Sir,
I/we request that my/our Account
Number__________________________under_________________________(Name of the Scheme) with
deposit/credit balance of Rupees______________________(in
words)________________________________________standing on the books of
the________________________________(Name of Account office) may be transferred to the books of
the__________________________(Name of Account office).
2. The Passbook/deposit receipt/statement of account in original is attached.

Three specimen signatures are given below:-
Dated: …………………… Signature of Depositor/s
Specimen Signature Name and address of the Depositor/s

1 ………………………….
2 ………………………….
Countersigned by Postmaster/Manager
3 ………………………….
Acknowledgement
Received application for transfer of ………………………………………………………..(Name of scheme)
Account
No. …………………………….. in the name of …………..………………………………..standing on books of the
…………………………………………. (Name of Account office) with balance of
Rs………………………(Rupees....................................................……………………………………………only).
The particulars/ entries in the Passbook/deposit receipt/statement of account have been checked and the same
is returned to the account holder/s.
Seal
Date
Postmaster/Manager Signature………………………………….
Stamp
Name of Account Office…………………………………………..
FORM -7
(See Rule16 of Government Savings Promotion Rules, 2018)
Application for pledging of account under National Small Savings Scheme
To
…………………………………….
Sir,
1. I/We …………………………………………………..…. am/are required to deposit an amount of Rs.
……………………………. as security with …………………………………… (official designation of the gazetted
officer of the Government or name of the Reserve Bank of India or a Scheduled Bank, Cooperative Bank,
Registered Cooperative Society, Corporation, A Government Company or Local Authority). I/We therefore
request you to transfer the deposit in Account Number_____________________
under_________________________________________(Name of scheme) as security in favour of
……………………………………………………………… (Official Designation of the Officer or name of the
Branch
etc to whom the Account is being pledged as security.)
2. I/We agree that the account(s) can be encashed by the pledgee when the security has been forfeited.
Nomination vide registration number.............................in the account stands cancelled.
Particulars of Account
Account Number Date Name of Account Office Amount
The authority mentioned above has agreed to accept the pledge. A pledge acceptance duly signed by the
competent authority as pledgee is attached.
Dated : …………………………………….. Signature of Depositor
Address ...........……………………………
For office use only

Account number__________________ has been pledged vide registration
no....................................dated.......................and necessary entries have been marked in the record.
Passbook/deposit receipt/statement of account has also been marked with pledge and returned to the account
holder.
Signature of Post Master/Manager

Seal
FORM -10
Application for cancellation or variation of nomination in an account under National Savings Scheme
Name of the Post Office/Bank……………………..... Account No…………………………………………..

Name of the scheme____________________
To
………………………………………………
………………………………………………
1. I/We being the depositor(s)/guardian of_______________________(Name of the minor/person of unsound

mind) hereby nominate the person(s) named below, to be recipient(s) of the amount standing at the credit of
the above mentioned account in the event of death of my/our/minor’s/person of unsound mind, before closure
of the said account.
S No. Name(s) of the Full Address Aadhaar Date of Birth Share of Nature of
Nominee(s) and (s) Number of of Nominee entitlement entitlement
relationship Nominee/s in case of Trustee or
Minor owner
2. As the nominee(s) at Serial No.(s)…………………………………….specified above is/are minor(s), I appoint

Shri/Smt/Kumari………………………………………………..S/o,D/o,W/o………………………………………………
…………………………..Address……………………………………………………………………………………………
………………………………………………………………….to receive the sum due under the said account in the
event of my death during the minority of the nominee(s).
The above nomination will have the effect marked below
This nomination supersedes the previous nomination made in respect of the said account with registration
number_____________________ date____________________.
or
No nomination has been previously made in respect of the said account.
The passbook/deposit receipt/statement of account is enclosed
Signature or thumb impression of depositor(s)

(Thumb impression should be attested by a person known to the Accounts office)
Witnesses
1. Name
Address
Signature
2. Name
Address
Signature
For office use only
Nomination registered at Serial Number________________________.
Date Signature and Seal of Postmaster/Manager

FORM -11
Application for settlement of an account of the deceased depositor by nominee or legal heirs under
NationalSavings Scheme
To
……………………………..
1. I/we________________________the nominee(s)/legal heirs of late___________________________, the

depositor to account No._______________________under____________________________(Name of
scheme), apply for withdrawal of entire amount standing to the credit of the deceased in the said account.
In support of the claim, I hereby submit the following documents :—
1. Death certificate of depositor/s.

2. Death certificate of Sh./Smt…………………………,also the nominee(s) appointed by the depositor(s).(***)
3. Succession certificate//letters of administration with attested copy of probated bill of the deceased depositor
issuedby_____________________competent court. (**)
4. Letter of Indemnity(*)
5. Affidavit(*)
6. Letter of disclaimer on affidavit(*)
7. Pass book/deposit receipt/statement of account
Signature/thumb impression of Claimant/s

Address__________________________
(Thumb impression should be attested by a person known to the Accounts office).
Date …………………………..
(*) To be produced by legal heirs, in the absence of nomination for claims upto Rs.5 lakh.
(**) Strike off if there is a valid nomination.
(***) Strike off if not applicable
For office use only

Withdrawal of Rs.___________________(Rupees_________________________________only) is sanctioned.
Date
Acquittance
(to be filled by claimant/s)
Received Rs ._____________(In figures)______________________ (in words) By cash/cheque/DD bearing
no…………………………………….dated…………………./by transfer to Account No............................... in full
settlement of my/our claim.
Date Signature/thumb impression of claimant/s

FORM -12
Letter of authority to open or operate an account under National Savings Schemes on behalf of
depositor suffering from physical infirmity including blindness
To
………………………………..
Sir
I/we_________________________________depositor of account number________________________
under______________________(Name of scheme) hereby authorize
Sh./Smt./Ms.________________________w/o,s/o,d/o___________________in whom I confide and whose
photograph and signature are attested below to operate the said account for the following purposes.
1.
2.
Paste
3. Photograph of
Authorised
4. person
Specimen signature of authorised person
1.
2.
3.
……………………… ……………. …………………………….

Signature of Witness Signature or thumb impression of Depositors
(Thumb impression should be attested by a person known to the Accounts office).
Name & Address:
Date
FORM -13
Affidavit
To,
…………………………………………………
…………………………………………………
Sir,
1. I/We……………………………………………………………………………………………………………………
………………………………..…husband of/wife of/son of/daughter of …………………………………….………
late……………………………………………………………………………….....……(deceaseddepositor) resident
of…………………………………………………………… do hereby declare and solemnly affirm as under:—
(1) That I/we am/are the only heir(s) of late……………………………………. (deceased depositor) who died
at…………………..on…………………………………… I/We alone represent the estate of late
………………………………………………….(deceased depositor).
(2) That late……………………………………………….. (deceased depositor) did not leave any will and
therefore
I/we am/are the only successor(s) to the estate of the said deceased depositor/s.
1. …………………………………………(Signature)
2.
3.
4.
Deponents
Verification: I/we, the above named deponents do hereby verify on solemn affirmation in………….. Name of
Place) that the contents of this affidavit are true to my/our knowledge and nothing material has been concealed.
Dated:—
1. ……………………………………….(Signature)
2.
3.
4.
Deponents
Oath Commissioner/Notary PublicAttested
FORM -14
Letter of disclaimer
To,
…………………………………………………
…………………………………………………
Sir,
1. I/We…………………………………………………………………………………………………………………
…………………………………husband of/wife of/son of/daughter of
late…………………………………………………………………..(deceased depositor) resident
of…………………………………………………………… do hereby declare and solemnly affirm as under:-
(1) That late …………………..……………………………………………..(deceased depositor) died intestate

on………………………………. Leaving behind us as his/her only heirs.
(2) That I/we…………………………………….heirs of late………………………………………….(deceased

depositor) for ourselves and on behalf of our heirs, executors, representatives and assigns do hereby relinquish
our claims to the balance of Rs………………………….. payable to the heirs of
late……………………………………………(the deceased) which may be credited to the account sought by
Mr./Ms.………………………………………….(claimant). our ………………………………(mention relation). We
have no objection whatsoever in the balance in the above referred account
No………………………………….together with interest, if any, accrued thereon being paid by the Bank to said
Mr./Ms…………………………………………(claimant)
1.
2.
3.
Deponents
Verification: I/we, the above named deponents do hereby verify on solemn affirmation that the contents of this
affidavit are true to our knowledge.
Dated:—
Deponents
I identify the deponent(s) who is/are personally known to me and who has/have signed in my presence.
Dated:—
Attested
Oath Commissioner/Notary Public
FORM -15
Letter of indemnity
To,
…………………………………………………
…………………………………………………
Sir,
1. In consideration of your paying or agreeing to pay
me/us…………………………………………………………………………………………………….(Name of legal
heirs) the sum of Rs……………………………………..standing in…………………………………..(Name of
scheme) account No…………………………….with your…………………………………..(name of Accounts
office) in the name of……………………………………………………………….without production of letters of
administration or succession certificate to the estate of the deceased………………………………………..(name
of the subscriber) or a certificate from the Controller of Estate Duty to the effect that estate duty has been paid
or will be paid or none is due,
2. I/We……………………………………………………………………………………………………..and
we……………………………………………………………………………..(sureties) do hereby for ourselves and
our
heirs, legal representatives, executors and administrators jointly and severally undertake and agree to
indemnify you and your successors and assigns against all claims, demand, proceedings, losses damages,
charges and expenses which may be raised against or incurred by you by reason or in consequence of having
agreed to pay/or paying me/us the sum as aforesaid.
3. In witness whereof we have hereunto set my/our hand at……………………………on this……………… day
of……………………………………in the presence of witnesses.
Signed and delivered by the above named heir/heirs of the deceased.
Signed and delivered by the above named sureties
1.
2.
Signature, names and addresses of witnesses:
1.
2.
Attested
Notary Public
NATIONAL PENSION SYSTEM (NPS)
1. Background:
The Government of India (GOI) rolled out the NPS for all citizens of India from May 1, 2009,
corporate sector from December, 2011 and for Central Public Sector Enterprises employees from
August 3, 2017 (Reference: Circular no. BCC: BR: 109/403 dated 08.08.2017).
The person who joins the NPS will be known as "Subscriber" in the NPS. Under the NPS, each
Subscriber will open an account with Central Recordkeeping Agency (CRA) which will be identified
through unique Permanent Retirement Account Number (PRAN).
Under NPS, two types of account would be available to subscribers i.e. Tier I & Tier II.
Tier I account - where subscribers contribute his / her savings (may include employer’s
contribution in case of corporate sector) for retirement into a non-withdrawable account.
Tier II account - a voluntary savings account from which subscribers are free to withdraw their
savings whenever he wishes. The facility of Tier II account was made available from December 01,
2009 to All Citizens of India including Govt. employees and corporate sector subscribers not
mandatorily covered under NPS. An active Tier I account will be a pre requisite for opening of a
Tier II.
2. Benefits:
• Voluntary - NPS is open to every Indian Citizen. A subscriber can choose the amount he wants
to set aside and save every year.
• Simple - The subscriber has to open an account with the Bank and get a PRAN.
• Flexible - Subscribers can choose their own investment option and pension fund and see their
money grow.
• Portable - Subscribers can operate their account from anywhere in the country, even if they
change the city, job or their pension fund manager.
• Regulated - NPS is regulated by PFRDA, with transparent investment norms and regular
monitoring and performance review of fund managers by NPS Trust.
3. Eligibility:
3.1 Individual:
Any citizen of India, whether resident or non-resident/OCI (Reference: Circular no. BCC: BR:
111/566 dated 30.10.2019), aged between 18 –65 years as on the date of submission of
his/her application to the Bank/Branch. The citizens can join NPS either as individuals or as an
employee-employer group(s) (Corporates) subject to submission of all required information
and Know your customer (KYC) documentation.
3.2 Corporate:
• Eligible entities to register under NPS Corporate Model:
• Entities registered under Companies Act
टे ल�/Tel.: 91 11 23448717, 23448711 फैक्स/FAX: 91 11 23448706 ई/मेल-E-mail: gb.delhi@bankofbaroda.com वेब/ Web:
• Entities registered under various Co-operative Act
• Central & State Public Sector Entities
• Registered Partnership Firms & Limited Liability Partnerships (LLPs)
• Any entity incorporated under any Act of Parliament or State Legislature or by order of
Central/State Govt.
• Proprietorship Concern
• Society/Trust
FATCA:
As per PFRDA, all subscribers who have opened NPS account on or after 01.07.2014 should self-certify
the FATCA compliance. CRA have advised all POPs to get the FATCA compliance from their subscribers
and update the same in the CRA system. CRA has also provided online facility to subscribers for
submission of FATCA compliance.
(Reference: Circular no BCC: BR: 109/401 dated 08.08.2017)
4. Entities in NPS:
NPS architecture consists of the following entities:

4.1 NPS Trust:
The National Pension System Trust (NPS Trust) was established by PFRDA on 27th February,
2008 with the execution of the NPS Trust Deed. The NPS Trust has been set up and constituted
for taking care of the assets and funds under the National Pension System (NPS) in the interest
of the beneficiaries (subscribers). Individual NPS subscribers shall be the beneficiaries of the
NPS Trust. The NPS fund is managed by the Board of Trustees to realize and fulfil the objectives
of the NPS Trust in the exclusive interest of the Subscribers.
4.2 Central Recordkeeping Agency (CRA):
The recordkeeping, administration and customer service functions for all subscribers of the
NPS are being handled by NSDL e-Governance Infrastructure Limited & Kfintech Technologies
Pvt. Ltd, which are acting as the Central Record-keeper for the NPS.
4.3 Pension Fund Managers (PFMs):
The Pension Fund Managers (PFMs) means an intermediary which has been granted a
Certificate of Registration by the Authority as a Pension Fund for receiving contributions,
accumulating them and making payments to the subscriber in the manner as may be specified
by the Authority.
4.4 Trustee Bank:
Axis Bank Ltd has been appointed by PFRDA as the Trustee Bank for National Pension System
(NPS) effective from 1st July, 2013. Trustee Bank as an intermediary is responsible for the day-
to-day flow of funds and banking facilities in accordance with the guidelines/ directions issued
by the Authority under NPS. It receives NPS funds from all Nodal Offices and transfers the
same to the Pension Funds / Annuity Service Providers/other intermediaries as per the
operational guidelines.
4.5 Annuity Service Providers (ASPs):
ASPs would be responsible for delivering a regular monthly pension to the subscriber after
he/she exit from the NPS. ASP has been appointed by PFRDA like ICICI Prudential Life
Insurance, LIC, SBI Life Insurance, HDFC Life & Star Union Dai-chi Life Insurance
4.6 Point of Presence (POP):
Points of Presence (POPs) are different financial Institutions who act as the first points of
interaction of the NPS subscriber with the NPS architecture. The authorized branches of a POP,
called Point of Presence Service Providers (POP-SPs), will act as collection points and extend a
number of customer services to NPS subscribers.
4.7 Central Recordkeeping Agency Facilitation Center (CRA-FC):
CRA-FC is the entity appointed by NSDL to extend various services under NPS, to its users
across the country. The entities who have been appointed as CRA-FC shall establish multiple
branches across the country to provide services to the POPs and POP-SPs.
4.8 Corporate Head Office (CHO):
A Corporate wishing to provide NPS to its employees under the Employer - Employee relation,
can join NPS by registering as a Corporate Head Office through a POP. The different branches
of the corporate can be registered as a Corporate Branch Office (CBO).
5. Contribution in NPS Accounts:
To contribute in Tier I and Tier II account, the subscriber needs to deposit the contribution amount
along with duly filled NCIS (NPS Contribution Instruction Slip) to any Branch. In case of corporate
subscribers, contributions are deducted from the Subscribers salary and the Corporate (CHO) will
transfer the contribution to the Bank who in turn ensures the credit to the respective subscriber
accounts. A Corporate subscriber may also make voluntary contributions to his/her account by
contacting the associated Bank of the Corporate. Subscriber can also opt for online transfer of
funds towards his Tier I and Tier II account.
In both Tier I and Tier II account there has to be atleast one contribution in a financial year.
A subscriber is required to make his / her first contribution at the time of applying for registration
at any Branch with NCIS (NPS Contribution Instruction Slip) form.
Particulars Tier I Tier II
Option of selection of the Account Mandatory Optional
Option of selection of the Account Partial Yes
Withdrawal
Minimum Contribution at the time of A/c Rs. 500 Rs. 1000
opening
Minimum amount of subsequent contribution Rs. 500 Rs. 250
Minimum Contribution Required per year Rs. 1000 --
Minimum no. of contribution per year One --
Frequency of contribution permitted Unlimited Unlimited
For contribution of both Tier I and Tier II however, a subscriber can go to any Branch or Contribute
online through our Bank’s website/respective CRA website.
Contribution in NRI Accounts:
• For NPS account of NRIs sourced domestically but serviced abroad, i.e. contribution and other
non-financial transactions being done abroad by the Bank, the charge for overseas servicing
would apply.
• For NPS account of NRI sourced overseas but serviced in India, i.e. contribution and other non-
financial transactions being done in India, the charge for the domestic servicing under the
existing All Citizen Model would apply.
• The contribution amounts shall be paid by the NRIs either by inward remittance through
normal banking channels or out of funds held in their own NRE/FCNR/NRO account.
Particulars Tier I Tier II

Minimum Contribution at the time of account Rs. 6000/- Rs. 2000/-
opening
Minimum amount per contribution Rs. 2000/- Rs. 2000/-
Minimum contribution in a financial year Rs. 6000/- Rs. 2000/-
Minimum frequency of contributions per financial 1 ---
year
• While servicing these accounts domestically, the contribution criteria will remain the same as
applicable to the existing NPS A/cs under the All Citizen Model.
• Once the NRI changes to Resident status, the subscriber will inform the same to CRA/Bank for
updating the same in the CRA system.
6. Registration Process:
6.1 Individual:
Any Individual who wants to get registered as a subscriber and wants to open a Permanent
Retirement Account (PRA)(Tier I and/or Tier II) in NPS would submit the duly filled form
(Composite application form for subscriber registration) with other supporting KYC
documents to Branch.
In case of subscriber who has lost both hands, PFRDA has advised to accept the subscriber
registration (CSRF) form by obtaining the toe impression of the subscriber on the CSRF Form.
Further, where the impression of such subscriber who has lost both hands is obtained on the
CSRF Form, it should be attested by two persons, one of whom should be the Branch
designated official.(Reference-BCC:BR:111:517 dated 05.10.2019)
The subscriber can also check the status with the associated nodal office. Once the PRAN is
generated, an email alert as well as a SMS alert will be sent to the registered email ID and
mobile number of the subscriber.
On successful registration, a PRAN (Permanent Retirement Account Number) will be allotted
to the subscriber. A PRAN Kit containing PRAN card, Subscriber details (referred as Subscriber
Master List) and an information booklet is sent to the subscriber's registered address. The T-
Pin and I-Pin are sent separately to the registered address. In case of the Corporate Sector
subscriber, the PRAN Kit along with T-PIN & I-PIN will either be sent to the subscriber's
registered address or at the Corporate Head Office as per the option selected by the
Corporate.
The PRAN Card is a document with PRAN, subscriber's name, father's name, photograph and
signature/thumb impression. This card proves the completeness of information in the CRA
system. A copy of the card is required for Tier II activation and also for subsequent
contribution in Tier II account.
Branch will perform verification checks, such as whether name is mentioned, photograph is
attached, signature is present, other mandatory fields (other supporting documents for KYC
norms as prescribed by PFRDA) are properly filled, scheme preference details are mentioned
as required, first time contribution amount etc. before accepting the form.
In case the application form is not filled with all the required details, CRA will not accept the
registration form and the application may be rejected.
Multiple NPS accounts for a single individual are not allowed and there is no necessity also
as the NPS is fully portable across sectors and locations.
Any subscriber who has an active Tier I account can activate his / her TIER II account through
his / her associated Branch. A subscriber can also open Tier I and Tier II together by filling up
a composite application form.
Bank account details are mandatory for Tier II account. After a withdrawal request is
processed in Tier II account, the funds are transferred by Trustee Bank to the subscriber's bank
account as per these details.
Investment in NPS is independent of your contribution to any Provident Fund.
Subscriber can also open the online NPS account through our Bank’s Website i.e.
https://www.bankofbaroda.in/nps.htm & through Baroda Connect i.e.
www.bobibanking.com
6.2 Corporate:
• Corporate has to select Bank and tie-up with it.
• The Corporate submits the CHO-1 Form to the Bank
• Bank would submit the form to CRA
• CRA registers the Corporate in the CRA system and allots “Corporate Registration
Number” (CRN) to Corporate.
For subscribers covered under corporate sector, the duly filled CS-S1 form needs to be
provided to the corporate office for onward submission to the associated Branch.
In case of a corporate subscriber, the PRAN Card will either be sent to the subscriber's
registered address or at the Corporate Head Office as per the option selected by the
Corporate.
Please note that Bank account number and mobile number are mandatory for NPS
subscriber registration. (Reference: Circular no. BCC: BR: 110/195 dated 17.04.2018)
7. Investment Options:
Scheme Preference is the Pension fund schemes option chosen by the subscriber for investing the
pension contribution amount. In case of the Corporate, the corporate can either select the Scheme
Preference or can give such option to its employees / subscribers.
7.1 Selection of Pension Fund:
• SBI Pension Funds Pvt. Limited

• LIC Pension Fund Limited
• UTI Retirement Solutions Limited
• ICICI Prudential Pension funds Management Company Limited
• Kotak Mahindra Pension Fund Limited
• HDFC Pension Fund Limited
• Birla Sun Life Pension Management Ltd
7.2 Selection of Investment Choice (Selection of Asset Mix of E, C& G):
7.2.1 Active choice - In this type of investment choice, Subscriber has the right to actively decide
as to how his / her contribution is to be invested, based on personal preference. The Subscriber
has to provide the PFM, Asset Class as well as percentage allocation to be done in each scheme of
the PFM.
There are four Asset Classes (Equity, Corporate debt, Government Bonds and Alternative Investment
Funds) from which the allocation is to be specified under single PFM.
• Asset class E - Equity and related instruments
• Asset class C - Corporate debt and related instruments
• Asset class G - Government Bonds and related instruments
• Asset Class A - Alternative Investment Funds including instruments like CMBS, MBS, REITS,
AIFs, Invlts etc.
Subscriber can select multiple Asset Class under a single PFM as mentioned below:
• Upto 50 years of age, the maximum permitted Equity Investment is 75% of the total asset
allocation.
• From 51 years and above, maximum permitted Equity Investment will be as per the equity
allocation matrix provided below. The tapering off of equity allocation will be carried out
as per the matrix on date of birth of Subscriber.
• Percentage contribution value cannot exceed 5% for Alternative Investment Funds.
• The total allocation across E, C, G and A asset classes must be equal to 100%.
Equity Allocation Matrix for Active Choice
Age (years) Max. Equity Allocation
Upto 50 75%
51 72.50%
52 70%
53 67.50%
54 65%
55 62.50%
56 60%
57 57.50%
58 55%
59 52.50%
60 & above 50%
i. Auto choice –
NPS offers an easy option for those Subscribers who do not have the required knowledge to manage
their NPS investments. In this option, the investments will be made in a life-cycle fund. Here, the
proportion of funds invested across three asset classes will be determined by a pre-defined portfolio
(which would change as per age of Subscriber).
A Subscriber who wants to automatically reduce exposure to more risky investment options as he /
she gets older, Auto Choice is the best option. As age increases, the individual’s exposure to Equity
and Corporate Debt tends to decrease. Depending upon the risk appetite of Subscriber, there are
three different options available within ‘Auto Choice’ – Aggressive, Moderate and Conservative. The
details of these Funds are provided below:
(i) LC75 - Aggressive Life Cycle Fund: This Life cycle fund provides a cap of 75% of the total
assets for Equity investment. The exposure in Equity Investments starts with 75% till 35
years of age and gradually reduces as per the age of the Subscriber.
Age Asset Class E Asset Class C Asset Class G

Up to 35 years 75 10 15
36 years 71 11 18
37 years 67 12 21
38 years 63 13 24
39 years 59 14 27
40 years 55 15 30
41 years 51 16 33
42 years 47 17 36
43 years 43 18 39
44 years 39 19 42
45 years 35 20 45
46 years 32 20 48
47 years 29 20 51
48 years 26 20 54
49 years 23 20 57
50 years 20 20 60
51 years 19 18 63
52 years 18 16 66
53 years 17 14 69
54 years 16 12 72
55 years & above 15 10 75
(ii) LC50 - Moderate Life Cycle Fund: This Life cycle fund provides a cap of 50% of the total

Up to 35 years 50 30 20
36 years 48 29 23
37 years 46 28 26
38 years 44 27 29
39 years 42 26 32
40 years 40 25 35
41 years 38 24 38
42 years 36 23 41
43 years 34 22 44
44 years 32 21 47
45 years 30 20 50
46 years 28 19 53
47 years 26 18 56
48 years 24 17 59
49 years 22 16 62
50 years 20 15 65
51 years 18 14 68
52 years 16 13 71
53 years 14 12 74
54 years 12 11 77
(iii) LC25 - Conservative Life Cycle Fund: This Life cycle fund provides a cap of 25% of the total

Up to 35 years 25 45 30
36 years 24 43 33
37 years 23 41 36
38 years 22 39 39
39 years 21 37 42
40 years 20 35 45
41 years 19 33 48
42 years 18 31 51
43 years 17 29 54
44 years 16 27 57
45 years 15 25 60
46 years 14 23 63
47 years 13 21 66
48 years 12 19 69
49 years 11 17 72
50 years 10 15 75
51 years 9 13 78
52 years 8 11 81
53 years 7 9 84
54 years 6 7 87
8. Change in Scheme Preference/CRA:

The subscriber has to submit the physical application form to change Scheme Preference. A
subscriber under the corporate model can exercise this option only if the option has been provided
to the subscriber by the Corporate.
1. Subscribers under All Citizen Model, who were so far allowed to exercise the choice/change
of CRAs only once in a financial year, will hitherto be allowed to exercise such choice twice in
a financial year. Further, for the subscribers who are under employer-employee relationship,
the choice of two CRAs can exceed, if their employer chooses to change CRA.
2. Subscribers of All Citizens Model who have already exercised the choice of CRA twice in a
financial year, can exercise their choice of CRA even beyond two times, in case they become
a member of NPS through their employer viz. under Government or Corporate Model.
3. The statement of transactions of NPS Subscribers generated post change of CRA, would reflect
the transaction details performed through the earlier CRA also.
In case the Subscriber wants to change Scheme Preference for both the Tiers then the Subscriber
should submit separate forms for each Tier. The subscriber can submit the request to his / her
Branch through whom the subscriber has opened the NPS account. Please collect a 17 digit
acknowledgement number against your request.
In case of a Corporate (who has opted the Scheme Preference) can change the Scheme Preference
for Tier I only by submitting form to CRA through the POP (Branch). Also if the Corporate desires
to give the option of Scheme Preference to the subscribers / employees subsequently to opt for
the PFMs, the same can also be done by submitting application Form for Corporate Scheme
Preference Change). The transaction is chargeable.
9. Subscriber Shifting:
A subscriber has been provided with the option of changing his/her Bank/Branch. A subscriber
under the corporate model however cannot change his/her associated Bank/Branch on his own
until he/she changes employment or moves out of the sector.
A subscriber can change the Branch by submitting form to the Branch associated at present or the
new Bank’s Branch.
In case of transfer (change of location/job), subscriber's PRAN remains the same and for shifting
of account to another Branch, he may submit the form to his / her existing Branch or the form to
the Branch belonging to another Bank to avail their services.
In case of the Corporate Sector subscriber, if the subscriber changes his / her job and joins an
organisation not registered under NPS, the subscriber can continue the PRAN under the All Citizen
of India sector. The subscriber needs to submit an Inter Sector Shifting Form to the Branch with
whom he / she wants to be associated in NPS.
If the subscriber changes his / her job and joins an organisation registered under NPS, the
subscriber can continue the PRAN under the new Corporate by submitting the form.
10. Tax Benefits:
• To Employers:
Contributions made by the employer (upto 10% of Basic + DA) are allowed as a business
expense under Section 36 (1) IV (a) of Income Tax Act 1961.
• To Employees:
Employees own contribution is eligible for tax deduction under sec 80 CCD (1) of Income
Tax Act up to 10% of salary (Basic + DA). This is within the overall ceiling of Rs. 1.50 Lacs
under Sec. 80 CCE of the Income Tax Act.
• Employee also gets tax deduction for the contribution made by the employer under
section 80 CCD (2) of IT act up to 10% of salary (Basic + DA) which is in addition to the tax
benefits available under Sec. 80 CCE. No Monetary ceiling.
Additional Tax Benefits to NPS Subscribers:

An additional deduction for the investment up to Rs. 50,000 in NPS (Tier I account) has been
exclusively available for NPS under subsection 80CCD (1B). This is over and above the
deduction of Rs. 1.5 lakh available under sec 80C of Income Tax Act. 1961.
If you are an existing subscriber, you can approach our Bank’s Branch for making additional
contribution in your Tier I account.
Please note: Tax benefits are applicable for investments in Tier I account only.
Tax Benefits on Withdrawal:

• Amount utilized for purchase of annuity at the time of exit (Minimum 40% mandatory) is not
treated as income.
• No Service tax on annuity purchase.
• Tax exemption limit for lump sum withdrawal on exit has been enhanced to 60%. With this,
the entire withdrawal will now be exempt from Income Tax. The entire withdrawals from NPS
on exit/maturity will now be tax exempt giving NPS an “EEE” status (Reference: BCC: BR:
110/630 dated 28.12.2018).
11. Maintenance:
A subscriber can request for change / correction in personal details, nomination details, bank
details, reissue of I-Pin/T-Pin/PRAN Card to the Branch. A subscriber can also update his / her
photograph and signature by submitting written request to the Branch.
Branch can update the following requests of the associated subscriber:
• Change in Personal details including Bank details
• Change in Nomination details
• Reissue of I-PIN and T-PIN
• Reprint of PRAN Card
• Change in Photograph and/or Signature
• Change in scheme preference
• Change in Employment details for corporate subscriber
For any type of account maintenance, a subscriber needs to submit a request to the Branch
through whom the Tier I account is activated.
11.1 Nomination:
Minor can be a nominee. In such case, subscriber will be required to provide guardian's details
and date of birth of the minor.
Subscriber will be allowed to register up to three nominees only.
11.2 Loss/Damage of PRAN Card:
In case of loss or damage of PRAN card, the subscriber needs to submit a duly filled form to
the respective Branch. After verifying the form, the Bank/Branch will enter and get it
authorised through the Nodal Office for updating the request in the CRA system.
Subsequently, the request is processed by CRA and a fresh PRAN Card is printed and sent to
subscriber's registered address. In case of a corporate subscriber, the subscriber needs to
submit a duly filled form to the respective Branch and the PRAN card will either be sent to the
subscriber's registered address or at the Corporate Head Office as per the option selected by
the Corporate. This is a chargeable transaction.
11.3 Re-issue if I-PIN/T-PIN:
The subscriber can submit a duly filled form to the respective Branch for re-issue of I-PIN /T-
PIN. A fresh I-PIN / T-PIN will be sent to subscriber's registered address. This is a chargeable
transaction.
Also the subscriber can use the OTP /Instant Reset of I-PIN facility to reset the I-PIN free of cost
through the CRA Website.
The subscriber has an option to reset his/her I-PIN online. The request needs to be initiated
online in CRA system by clicking on the "Forgot Password" link and selecting the "Instant Reset
I-PIN". Subscriber needs to fill the required details and should select any one of the following
options:
12. Statement of Account:
The Annual Account Statement as of March 31st of every year will be sent by the respective CRA
to the registered address once in a year. Also if a subscriber wishes to have a transaction
statement, on an adhoc basis, they can get in touch with the respective CRA.
A subscriber can also view/print the transaction statement, by logging into respective CRA website
using the login ID & Password. They can also request for a transaction statement through IVR (CRA
toll free number), on placing a request through the T-PIN the Subscriber is provided with the
Transaction Statement on the registered e-mail ID in the CRA system.
Mobile application & Online access through CRAs
Both CRAs-Kfintech and NSDL have Mobile application and Online access to the NPS account for
generating statements and other modifications related to user profile etc.
Kfintech has come up with mobile application for NPS subscribers in co-ordination with PFRDA
wherein the existing subscribers having PRAN generated from Kfintech (PRAN no. starting from
4000********) can login and access their account on mobile phone.
NSDL has also come up with mobile application for NPS subscribers in co-ordination with PFRDA
wherein the existing subscribers having PRAN generated from NSDL (PRAN no. starting from
1101********) can login and access their account on mobile phone.
Web Login:
Subscriber customer can also login to the Kfintech website through below mentioned link for
transaction, account statement and other modifications:
https://enps.karvy.com/Login/Login
Subscriber can generate the password on their own through OTP, if mobile number is registered
in their PRAN account or they can call to Karvy Call Centre and generate password through IVR.
Subscriber customer can also login to the NSDL website through below mentioned link for
transaction, account statement and other modifications:
https://cra-nsdl.com/CRA/
Subscriber will get the password from NSDL along with the PRAN kit.
(Reference: Circular no. BCC: BR: 109/464 dated 08.09.2017)
Generation of PRAN number online through e-NPS under All Citizen Model
In order to reduce the turn-around time for PRAN generation and in order to digitize the process,
our Bank is integrated on e-NPS platform of NSDL& Kfintech. Customer having an account with
our Bank can open NPS account with PAN authentication. PRAN number will be generated on
successful completion of registration process on payment of initial amount online by the
subscriber.
(Reference: Circular no. BCC: BR: 110/58 dated 01.02.2018)
Aadhaar based authentication for opening of NPS Accounts by Banks through online mode
PFRDA vide circular no. PFRDA/2018/65/POP/3 dated 07.12.2018 had instructed all Banks under NPS
to stop Aadhaar based authentication system for KYC under online module of PRAN generation in
line with the Hon’ble Supreme Court’s judgement on the matter. However, Aadhaar may be
accepted from the subscriber in the physical form by branches of the Banks under NPS as one of the
identity proof. (Reference: Circular no. BCC: BR: 110/602 dated 11.12.2018).
However, PFRDA vide their letter no-PFRDA/03/06/8/0007/2018-PDES dated 17.07.2020 has

informed that the RBI & UIDAI has consented for allowing Bank to utilize Aadhaar eKYC with the
consent of the subscriber for NPS services subject to the compliance of UIDAI/RBI guidelines
applicable for the usage of Aadhar eKYC as a Bank and Bank may use Aadhar eKYC authentication for
NPS services.
13. Partial Withdrawal:

• A partial withdrawal of accumulated pension wealth of the subscriber,
Not exceeding twenty-five per cent of the contributions made by the subscriber
Subscriber shall have to be in National Pension System at least for a period of three years
• Purposes for which partial withdrawal allowed
Sr. No Type of Withdrawal Documents Required

1) For the purpose of higher education of his/her Copy of Admission letter of the
children. institute along with Fees
Schedule.
2) For marriage of his/her children. Self-Declaration
3) For purchase or construction of residential Photocopy of Title Documents
house or flat. of the Property. Approved Plan
and Self-Declaration or Loan
Offer letter from a Housing
Finance Company or a Bank and
self-declaration.
4) For treatment of specified Certificate from Doctor
illnesses(hospitalization & treatment)
mentioned as under:
Cancer
Kidney failure (End stage renal failure)
Primary Pulmonary Arterial Hypertension
Multiple Sclerosis
Major Organ Transplant
Coronary Artery Bypass Graft
Aorta Graft Surgery
Heart Valve Surgery
Stroke
Myocardial Infarction
Coma
Total blindness
Paralysis
COVID-19 (Reference: BCC:BR:112:216 dated
13.04.2020
Accident of serious/life threatening nature
Any other critical illness of a life threatening
nature as stipulated in circulars issued by
Authority from time to time.
(Reference: BCC:BR:110/43 dated 18.01.18)
5) Towards meeting the expenses by subscriber Details mentioned under para
for skill development/re-skilling or for any 13.1
other self-development activities and ‘Towards
meeting the expenses by subscriber for
establishment of own venture or any start-ups’
(Reference: BCC:BR:110/395 dated 07.08.18)
• Frequency of partial withdrawal

Maximum 3 (three) times during entire tenure,
Minimum 5 (five) years gap between consecutive withdrawals
13.1 Partial Withdrawal ‘Towards meeting the expenses by subscriber for skill development/re-
skilling or for another self-development activities and meeting the expenses by subscriber for
establishment of own venture or any start-ups’ under National Pension System
1. Partial withdrawal ‘Towards meeting the expenses by subscriber for establishment skill
development/re-skilling or for any other self-development activities’
i. Definition:
“Self-development/Skill Development/Re-skilling” of NPS subscriber defines the value
addition to NPS subscriber in terms of knowledge and acquiring new skills related to job
& personality development. Value addition in the skills of the subscriber, not only add
value for organization but also for own development of the subscriber to increase the
opportunity for his/her professional career by gaining higher education/professional
qualifications/technical courses etc.
ii. Coverage:
a) Skill Development/Re-skilling of employee/Self-development activities (on request of
employee) sponsored by employer for employee shall not be covered for eligible
class for partial withdrawal because in such programmes employer bears all the
expenses
b) Skill Development/Re-skilling of employee/Self-development activities of NPS
Subscriber, following will be eligibility criteria for partial withdrawal:
I. Where employee-employer relationship exists:
Course/degree/diploma/certificate for Self-development activities/ Skill
Development/Re-skilling of employees who are not sponsored by employer, will be
eligible for partial withdrawal, provided following conditions are fulfilled
a. A ‘No Objection Certificate’ should be provided by employer if the employee-
employer service rules/regulations/guidelines provide for the same.
b. In respect of identification of the course/degree/diploma/certificate for higher
education/professional qualifications/skill development programs etc, the
duration of the same should be 3 months or more.
c. The course should be recognized by University/ approved organization/
recognized institutes/ registered centres such as
AICTE/UGC/NISM/ICAI/IIM/other accredited bodies.
d. The course should be either a regular program or a distance education program
or a skill development program.
e. Documents should be verified by the processing Branch/ NPS Nodal Cell, Mumbai
before authorizing partial withdrawal.
f. Amount which can be released under this clause shall be subject to the actual fee
of the course/training, subject to the maximum ceiling of 25% of employee’s own
contributions, without considering the returns thereto.
II. Where employee-employer relationship does not exists (Individual covered
under NPS):
Except condition (a.) as mentioned above, all other conditions shall be applicable.
iii. Documentation:
a) Admission / sanctions letter from university in India/abroad with fee details
b) For distance learning programs, copy of invoice/s, letter for required fee for
desired course.
c) For other skill development programmes, copy of invoice/s, letter for required
fee for desired course.
d) Study leave sanction letter/NOC provided by the
organization/department/ministry, if required in terms of the employee’s service
conditions. The same shall not be applicable where employee-employer
relationship does not exist. (Individual covered under NPS)
2. Partial withdrawal ‘Towards meeting the expenses by subscriber for establishment of own
venture or any start-ups’
i. Definition:
‘Start-ups/establishments of own business’ means setting up a new entity/ bringing
existing business under any registration guidelines issued by Government of India.
ii. Coverage:
a) Partial withdrawal under this clause shall not be applicable where employee-
employer relationship exists.
b) For subscribers who are registered under All Citizen Model (In an Individual
capacity): Following shall be covered under this clause:
• Start-ups/establishment of new business
• Managing family business (in the name of the subscriber) with valid registration
with government authorities like GST/Income Tax/ Govt. Departments
• Existing business (in the name of the subscriber) under the registration issued by
Government authorities like GST/Income Tax/ Govt. Departments
• Acquiring existing business (from others) with valid registration in his/her name
• Entity should be classified as either a proprietorship or a partnership only.
• Professionals
• Self-employed individuals
iii. Documentation:
For the purpose of identification for grant of partial withdrawal; Branch/ NPS Nodal Cell,
Mumbai would ensure before authorizing partial withdrawal that the subscriber has
provided the following documents
a. Registration Certificate of entity
b. Proof of ownership of the entity (it should be in the name of the subscriber)
c. Registration number issued by Government authorities like GST/Income Tax/
Govt. Departments
1. Limits: It shall be as mentioned under regulations 8 (B) of the Exit Regulations i.e.
a) The subscriber shall have been in the National Pension System at least for a period of
three years from the date of his or her joining
b) The subscriber shall be permitted to withdraw accumulations not exceeding twenty-
five percent of the contributions made by him or her and standing to his or her credit
in his or her individual pension account, as on the date of application for withdrawal
without considering any returns thereon;
2. Frequency: It shall be same as mentioned under the existing regulations 8 (C) i.e. the
subscriber shall be allowed to withdraw only a maximum of three times during the entire
tenure of subscription under the National Pension System.
3. Other terms & conditions and regulatory conditions as mentioned in the regulation 8 of
Pension Fund Regulatory and Development Authority (Exits and Withdrawals under the
National Pension System) Regulations, 2015 and amendments thereto shall continue.
(Reference: Circluar no. BCC: BR: 110/395 dated 07.08.2018)
14. Exit Procedure:

As per Pension Fund Regulatory & Development Authority (PFRDA) Exit Rules, following
Withdrawal categories are allowed:
14.1 Upon Normal Superannuation:
At least 40% of the accumulated pension wealth of the subscriber has to be utilized for
purchase of annuity providing for monthly pension of the subscriber and the balance is paid
as lump sum to the subscriber.
In case the total corpus in the account is less than Rs. 2 Lakhs as on the Date of Retirement
(Government sector)/attaining the age of 60 (Non-Government sector), the subscriber (other
than Swavalambhan subscribers) can avail the option of complete Withdrawal.
Subscriber can stay invested in the NPS up to the age of 70 years. Fresh contributions are
allowed during such a period of deferment.
Subscriber can defer the withdrawal of eligible lump sum amount till the age of 70 years and
withdraw the same in 10 annual installments or withdraw the entire amount at once by giving
15 days advance notice during such a period of deferment. If no such notice is given, the
accumulated pension wealth would be automatically monetized and credited to his Bank
account upon attaining the age of 70 years.
Now, the above guidelines has been revised, as per Gazette Notification No.
PFRDA/12/RGL/139/8, Dated 19.02.2019 issued by Pension Fund Regulatory and
Development Authority (PFRDA) inter-alia informing about the amendment in PFRDA Exits and
Withdrawals Regulations, 2015 under the NPS, and mentioned as below:
(Reference Circular no. BCC: BR: 111:156 dated 28.03.2019)
EXISTING GUIDELINES AMENDED GUIDELINES
A subscriber who has not exercised the 1. Subscriber not having any employee-employer
option within the period of fifteen days relationship (NPS All Citizen Model) and after attaining
may do so by making an application in the age of 60 years not having exercised the option to
writing with reasons for such delay to continue within the period of fifteen days, so
the National pension System Trust, stipulated, shall continue in the National Pension
within One hundred and eighty days of System till he attains the age of seventy years as if he
attaining such age or superannuation has exercised the option and shall be considered as if
the consent has been provided by such subscriber.
2. Subscriber having any employee-employer

relationship (NPS Corporate Model) and who has not
exercised the option within the period of fifteen days,
so stipulated, but desires to continue with his
individual pension account under National Pension
System, beyond the age of sixty years or the age of
superannuation, as the case may be, and to the extent
so permitted, may do so by making an application in
writing with reasons for such delay to the National
Pension System Trust.
Annuity purchase can also be deferred for maximum period of 3 years at the time of exit.
14.2 Upon Death:
The entire accumulated pension wealth (100%) would be paid to the nominee/legal heir of
the subscriber and there would not be any purchase of annuity/monthly pension.
In case the nominee is a minor, Withdrawal form has to be submitted by the guardian along
with the birth certificate of the minor.
However, if the nominee wishes to continue with the NPS, he/she shall have to subscribe to
NPS individually after following due KYC procedure.
14.3 Pre-Mature Exit:
The person who has joined the NPS between 18-60 years of age can prematurely exit the NPS
after a minimum lock-in period of 10 years, the subscriber will be required to annuitize at least
80% of the corpus for purchase of annuity and the remaining corpus can be withdrawn in lump
sum. In case the accumulated corpus at the time of exit is equal or less that Rs 1.00 lac, the
subscriber will have the option to withdraw the entire corpus in lump sum.
14.4 Exit Procedure for the Subscriber joining after the age of 60 years
Normal Exit: The subscriber exiting after completion of 3 years from the date of joining NPS
is the normal exit, the subscriber will be required to annuitize at least 40% of the corpus for
purchase of annuity and the remaining corpus can be withdrawn in lump sum. In case the
accumulated corpus at the time of exit is equal to or less than Rs 2 lacs, the subscriber will
have the option to withdraw the entire corpus in lump sum.
Premature Exit: Any exit before completion of three years will be treated as premature exit.
In such case, the subscriber will be required to annuitize at least 80% of the corpus for
purchase of annuity and the remaining corpus can be withdrawn in lump sum. In case the
accumulated corpus at the time of exit is equal or less that Rs 1.00 lac, the subscriber will have
the option to withdraw the entire corpus in lump sum.
Exit due to death of Subscriber: The entire corpus shall be payable to the nominee of the
subscriber. (Reference: Circular no. BCC: BR: 109/578 dated 06.11.2017)
Based on the different types of Withdrawal request, the forms are required to be submitted
to the concerned Bank/Branch.
The Withdrawal forms should be submitted to the associated Bank/Branch (through the Bank
in case of corporate model subscriber) for onward submission at CRA. Bank/Branch should
stamp and authorise the form after performing the necessary due diligence for the form and
the supporting documents. The duly authorised forms and the documents can be then be
forwarded to CRA for further processing.
The Withdrawal proceeds are credited electronically to the bank account of the subscriber or
claimant (as per the bank details provided in the Withdrawal form).
Withdrawal proceeds are credited electronically to the bank account of the subscriber or the
claimant, as the case maybe. It is necessary for the subscriber /claimant to have a bank
account.
If a subscriber discontinues his/her investments under the scheme and the minimum
contributions are not made as stipulated, the account will be frozen and can be reactivated
only by paying the penalty along with the minimum contribution.
15. Charges:
The Service charges are given in the table below:

Intermedi Charge Head Service Charge Method of D
ary eduction
Initial Subscriber Rs. 200/- To be Collected
Registration Upfront
POP
Initial Contribution 0.25% of the contribution Min: Rs. 20/-
&
All Subsequent Max : Rs.25,000/-
Contribution
All Non- Rs. 20/-
Financial Transaction
*Persistency Charges (per Rs. 50/- Through cancellation
annum per associated account of units
where minimum contribution
of Rs.1000/- received in
the account )
Service tax and other levies, as applicable, will be levied as per the existing tax laws. There are no
additional CRA charges for the maintenance of Tier –II account. Also, please note that the fee structure
may change from time to time as may be decided by PFRDA.
*A new service charge related to Persistency payable annually is being introduced by PFRDA, as shown
above and will be paid for each subscriber whose Account has been opened with a minimum
contribution of Rs 1000/- in a F.Y.
Service charges structure for NPS accounts for NRIs:
Intermediary Charge Head Service Charges Method of Collection
Initial Subscriber USD 8 or Equivalent in local
Registration currency
Initial Contribution & all USD 1, or Equivalent in local
Subsequent Contribution currency or 1%, whichever is
POP/Bank higher subject to maximum To be collected
of USD 8 or Equivalent in Upfront
local currency
All Non-Financial USD 1 or Equivalent in local
Transaction currency
For Queries related to NPS Forms/Status/Voluntary Exit/Modifications:
Email id: npsnodal@bankofbaroda.com
For any scheme related query on NPS please contact:
Address: NPS Nodal Cell, City Back Office, 5th Floor, Bank of Baroda building, 10/12 Mumbai
Samachar Marg, Opposite Horniman Circle, Fort, Mumbai-400001
Reference Websites:
PFRDA - http://pfrda.org.in/index1.cshtml?lsid=585
Ver 1.5 CSRF
NATIONAL PENSION SYSTEM (NPS) – SUBSCRIBER REGISTRATION FORM
Central Recordkeeping Agency (CRA) - NSDL e-Governance Infrastructure Limited
Central Govt. Affix

State Govt. recent photograph of
Please select your category Central Autonomous Body
State Autonomous Body 3.5 cm × 2.5 cm size /
[ Please tick() ] All Citizen Model
Corporate Sector Passport size
NPS Lite (GDS)
To,
National Pension System Trust.
Dear Sir/Madam,
I hereby request that an NPS account be opened in my name as per the particulars given below:
* indicates mandatory fields. Please fill the form in English and BLOCK letters with black ink pen. (Refer general guidelines at instructions page)
KYC Number, Retirement Adviser Code and Spouse Name fields are not applicable for Government & NPS Lite Subscribers
KYC Number (if applicable) Generated from Central KYC Registry
Retirement Adviser Code (If applicable)
1. PERSONAL DETAILS: (Please refer to Sr. No.1 of the instructions)
Name of Applicant in full Shri Smt. Kumari
First Name*
Middle Name
Last Name
Subscriber’s Maiden Name (if any)
Father's Name* F i r s t M i d d l e L a s t
(Refer Sr. No. 1 of instructions)
Mother’s Name* F i r s t M i d d l e L a s t
Father’s name will be printed on PRAN card. In case, mother’s name to be printed instead of father’s name [ Please tick () ]
Date of Birth* d d / m m / y y y y (Date of Birth should be supported by relevant documentary proof)
City of Birth*
Country of Birth*
Gender* [ Please tick () ] Male Female Others Nationality* Indian
Marital Status* Married Unmarried Others
Spouse Name* F i r s t M i d d l e L a s t
Residential Status* Indian
2. PROOF OF IDENTITY (Pol)* (Any one of the documents need to be provided along with the identification number)
Passport Passport Expiry Date d d / m m / y y y y
Voter ID Card PAN Card
Driving License Driving License Expiry Date d d / m m / y y y y
NREGA JOB Card
Others Name of the ID I D N u m b e r Please refer Sr. No. 2 of the instructions.
UID (Aadhaar) (UIDI [ Aadhaar] number not required.)

As per the amendments made under Prevention of Money-Laundering (Maintenance of Records) Second Amendment Rules, 2019, PAN or Form 60 is mandatory under NPS.If you do not have PAN
at present, please ensure that these details are provided within six months of submission of this Subscriber Registration Form.
3. PROOF OF ADDRESS (PoA)* Correspondence Address Permanent Address

[ Please tick (), as applicable ] Passport /Driving License/UID (Aadhaar)/Voter ID card/NREGA Job Passport /Driving License/UID (Aadhaar)/Voter ID card/NREGA Job
Card/Ration Card/Others Card/Ration Card/Others
#Not more than 2 months old.
Please refer Sr. No. 2 of the instructions Registered Lease/Sale agreement of residence/Municipal Tax Registered Lease/Sale agreement of residence/Municipal Tax
Receipt Receipt
#Latest Piped Gas/Water/Electricity/Telephone[Landline or postpaid #Latest Piped Gas/Water/Electricity/Telephone[Landline or postpaid
mobile] Bill mobile] Bill
4.1 CORRESPONDENCE ADDRESS DETAILS*
Address Type* Residential/Business Residential Business ��

Flat/Room/Door/Block no. Landmark
Premises/Building/Village
Road/Street/Lane
Area/Locality/Taluk
City/Town/District PIN Code
State/U.T. C o u n t r y
4.2 PERMANENT ADDRESS DETAILS* Tick () in the box in case the address is same as above.

Road/Street/Lane
Area/Locality/Taluk
1 of 5
Ver 1.5 CSRF
5. CONTACT DETAILS
Tel. (Off) (with STD code) + Tel. (Res): (with STD code) +
Mobile* (Mandatory) + 9 1 (Mobile Number is required for communication and to get SMS alerts)
Email ID
6. OTHER DETAILS ( Please refer to Sr no. 3 of the instructions )

 Occupation Details* [ please tick() ]
Private Sector Public Sector Government Sector Professional
Self Employed Homemaker Student Others (Please Specify)
 Income Range (per annum) Upto 1 lac 1 lac to 5 lac 5 lac to 10 lac 10 lac to 25 lac 25 lac and above
 Educational Qualifications Below SSC SSC HSC Graduate Masters Professionals ( CA, CS, CMA, etc.)
 Please Tick If Applicable Politically exposed person Related to Politically exposed Person (Please refer instruction no.3)
7. SUBSCRIBER BANK DETAILS* ( Please refer to Sr no. 4 of the instructions )

(All the bank details are mandatory except MICR Code.)
Account Type [ please tick() ] Savings A/c Current A/c
Bank A/c Number
Bank Name
Branch Name
Branch Address PIN Code
Bank MICR Code IFS Code
8. SUBSCRIBERS NOMINATION DETAILS* (Please refer to Sr. No . 5 of the instructions)

Name of the Nominee (You can nominate up to a maximum of 3 nominees and if you desire so please �ll in Annexure III (Additional Nomination Form) provided separately)
First Name Middle Name Last Name
Relationship with the Nominee

Date of Birth (In case of Minor) d d / m m / y y y y
Nominee’s Guardian Details (in case of a minor)
9. NPS OPTION DETAILS (Please tick () as applicable)

I would like to subscribe for Tier II Account also YES NO If Yes, please submit details in Annexure I.
(If you wish to activate Tier II account subsequently, you may submit separate application (Annexure S10) to the associated Nodal ��or to POP/POP-SP of your choice. The list of POP/
POP-SPs rendering services under NPS and Annexure S10 is available on CRA website)
I would like my PRAN to be printed in Hindi YES NO If Yes, please submit details on Annexure II
10. PENSION FUND (PF) SELECTION AND INVESTMENT OPTION* ( Please refer to Sr no. 6 of the instructions )
(i) PENSION FUND SELECTION (Tier I) : Please read below conditions before opting for the choice of Pension Funds:
1. Government Sector: The following Pension Funds (PFs) will act jointly as default PFs , if choice is not exercised by the government employee/subscriber
(a) LIC Pension Fund Limited (b) SBI Pension Funds Pvt. Limited (c) UTI Retirement Solutions Ltd.In case of Central Autonomous Bodies (CAB)/ State Government
(SG)/State ��
Govt/Ministry.
2. All Citizen Model: Subscribers under All Citizen model have the option to choose the available PFs as per their choice in the table below.
3. Corporate Model: Subscribers shall have the option to choose the available PFs as per the below table in consultation with their respective Employer.
4. NPS Lite: NPS Lite is a group choice model where subscriber has a choice of PF and investment option as available with Aggregator.
Name of the Pension Fund (Please select only one) Please Tick () Default Choice of Pension Funds
LIC Pension Fund Limited
Available in Government sector, if employee/subscriber does not exercise
SBI Pension Funds Private Limited
choice of PF
UTI Retirement Solutions Limited
ICICI Prudential Pension Funds Management Company Limited
Kotak Mahindra Pension Fund Limited
HDFC Pension Management Company Limited
Birla Sunlife Pension Management Limited
* Selection of 01 Pension Fund is mandatory for All Citizen subscriber
(ii) INVESTMENT OPTION

(Please Tick () in the box given below showing your investment option).
Active Choice Auto Choice
Please note:
1. In case you select �� .
2. In case you do not indicate any investment option, your funds will be invested in Auto Choice (LC 50).
3. In case you have opted for Auto Choice and �� up section (iii) below relating to Asset Allocation, the Asset Allocation instructions will be ignored and investment will
be made as per Auto Choice (LC 50).
2 of 5
Ver 1.5 CSRF
(iii) ACTIVE CHOICE – ASSET ALLOCATION (to be filled up only in case you have selected ‘Active Choice’ the investment option)
E C G A
Asset Class (Cannot (Max up to (Max up to (Cannot Total Asset class E-Equity and related instruments; Asset class C-Corporate debt and related
exceed 75%) 100%) 100%) exceed 5%) instruments; Asset class G-Goverment Bonds and related instruments; Asset Class
A-Alternative Investment Funds including instruments like CMBS, MBS, REITS, AIFs, Invlts etc.
Specify % 100%
Choices in Not In case of Government employee/subscriber the Active choice of Asset Allocation is restricted to Asset
Not available Available
Govt sector available Class ‘G’ only
Please note:
1. Upto 50 years of age, the maximum permitted Equity Investment is 75% of the total asset allocation.
2. From 51 years and above, maximum permitted Equity Investment will be as per the equity allocation matrix provided in Annexure A. The tapering off of equity
allocation will be carried out as per the matrix on date of birth.
3. The total allocation across E, C, G and A asset classes must be equal to 100%. In case, the allocation is left blank and/or does not equal 100%, the application shall
be rejected.
(iv) AUTO CHOICE OPTION (to be filled up only in case you have selected the ‘Auto Choice’ investment option). In case, you do not indicate
a choice of LC, your funds will be invested as per LC 50.
Life Cycle (LC) Please Tick () Choices in Govt
Funds Only One sector Note: 1. LC 75- It is the Life cycle fund where the Cap to Equity investments is 75% of the total asset
LC 75 Not available 2. LC 50- It is the Life cycle fund where the Cap to Equity investments is 50% of the total asset
3. LC 25- It is the Life cycle fund where the Cap to Equity investments is 25% of the total asset
LC 50
Available 4. Govt. employee can exercice Auto Choice of Asset Allocation for LC 25 & LC 50 only
LC 25
11. DECLARATION ON FATCA* (Foreign Account Tax Compliance Act) COMPLIANCE (Please refer to Sr no. 7 of the instructions):
Section I *
US Person* Yes No
Section II *
For the purposes of taxation, I am a resident in the following countries and my T��
out below or I have indicated that a ��
Particulars Country (1) Country (2) Country (3)
Country/countries of tax residency
Address Line 1
Address in the jurisdiction for Tax City/Town/Village

Residence State
ZIP/Post Code
T��
TIN/ Functional equivalent Number Issuing Country
Validity of documentary evidence provided (Wherever applicable) dd / mm / yyyy dd / mm / yyyy dd / mm / yyyy
“I certify that:
a) It shall be my responsibility to educate myself and to comply at all times with all relevant laws relating to reporting under section 285BA of the Act read with the
Rules 114F to 114H of the Income tax Rules, 1962 thereunder and the information provided in the Form is in accordance with the aforesaid rules,
b) the information provided by me in the Form, its supporting Annexures as well as in the documentary evidence are, to the best of my knowledge and belief, true,
correct and complete and that I have not withheld any material information that may affect the assessment/categorization of the account as a Reportable account
or otherwise.
c) I permit/authorise the NPS Trust to collect, store, communicate and process information relating to the Account and all transactions therein, by the NPS Trust
and any of NPS intermediaries wherever situated including sharing, transfer and disclosure between them and to the authorities in and/or outside India of any
��
d) I undertake the responsibility to declare and disclose within 30 days from the date of change, any changes that may take place in the information provided in
the Form, its supporting Annexures as well as in the documentary evidence provided by me or if any �� becomes incorrect and to provide fresh self-
��
e) I also agree that in case of my failure to disclose any material fact known to me, now or in future, the NPS Trust may report to any regulator and/or any authority
designated by the Government of India (GOI) /RBI/IRDA/PFRDA for the purpose or take any other action as may be deemed appropriate by the NPS Trust if the
��
f) I hereby accept and acknowledge that the NPS Trust shall have the right and authority to carry out investigations from the information available in public domain
�� Trust
g) I also agree to furnish such information and/or documents as the NPS Trust may require from time to time on account of any change in law either in India or
abroad in the subject matter herein.
h) I shall indemnify NPS Trust for any loss that may arise to the NPS Trust on account of providing incorrect or incomplete information.
Date d d / m m / y y y y
Place :
Signature/Thumb Impression* of Subscriber in black ink
(* LTI in case of male and RTI in case of females)
Name of subscriber
3 of 5
Ver 1.5 CSRF
12. DECLARATION BY SUBSCRIBER* ( Please refer to Sr no. 8 of the instructions )

Declaration & Authorization by all subscribers
I have read and understood the terms and conditions of the National Pension System and hereby agree to the same along with the PFRDA Act, regulations framed thereunder
and declare that the information and documents furnished by me are true and correct, to the best of my knowledge and belief. I undertake to inform immediately the Central
Record Keeping Agency/National Pension System Trust, of any change in the above information furnished by me. I do not hold any pre-existing account under NPS. I
understand that I shall be fully liable for submission of any false or incorrect information or documents.
I further agree to be bound by the terms and conditions of provision of services by CRA, from time to time and any amendment thereof as approved by PFRDA, whether
complete or partial without any new declaration being furnished by me. I shall be bound by the terms and conditions for the usage of I-PIN (to access CRA website and view
details) & T-PIN.
Declaration under the Prevention of Money Laundering Act, 2002
I hereby declare that the contribution paid by me/on my behalf has been derived from legally declared and assessed sources of income. I understand that NPS Trust has
the right to peruse my �� or share the information, with other government authorities. I further agree that NPS Trust has the right to close my PRAN in case I am
found violating the provisions of any law relating to prevention of money laundering.
Place :
13. DECLARATION BY EMPLOYER

Applicable to Government Subscribers only
(Subscribers Employment Details to be filled and attested by the Deptt. (All Details are Mandatory)
Date of Joining d d / m m / y y y y Date of Retirement d d / m m / y y y y
Employee Code/ID (If applicable) Employee Code/ID and PPAN are optional. If you intend
PPAN (If applicable) to provide, mention any one.
Group of Employee (Tick as applicable) Group A Group B Group C Group D

��
Department
Ministry
DDO Registration Number
DTO/PAO/CDDO/DTA/PrAO Registration Number
Basic Pay
Pay Scale
It is certified that the details provided in this subscriber registration form by ___________________________________ employed with us, including
the address and employment details provided above are as per the service record of the employee maintained by us. Also, it is further certified that
he/she has read entries/entries have been read over to him/her by us and got confirmed by him/her.
Signature of the Authorised person Rubber Stamp of the DDO Signature of the Authorised person Rubber Stamp of the DTO/PAO/CDDO/
(In the box above) (In the box above) (In the box above) DTA/PrAO (In the box above)
Designation of the Authorised Person Designation of the Authorised Person
Name of the DDO Name of DTO/PAO/CDDO/DTA/PrAO
Deptt/Ministry Date d d / m m / y y y y
14. DECLARATION BY EMPLOYER/ CORPORATE

Applicable to Corporate Subscribers only
��F
Employee Code/ID
Corporate Regd. Number (CHO No.) Allotted by CRA
CBO No. allotted by CRA

�� that the details provided in this subscriber registration form by ___________________________________ employed with us, including the
employment details provided above are as per the service record of the employee maintained by us. Also, it is further ��
that he / she has read the
�� .
Date d d / m m / y y y y Place
Signature of the Authorised person (In the box above)
Designation of the Authorised Person Rubber Stamp of the Corporate (In the box above)
4 of 5
Ver 1.5 CSRF
15. DECLARATION BY THE AGGREGATOR
Applicable to NPS Lite Subscribers
Authorisation by Aggregator’s office (NL - AO)

Certified that the subscriber is registered with the aggregator and he/she has opted to join NPS. I hereby declare that the subscriber is eligible to join NPS
and the above declaration has been signed /thumb impressed before me by ...................................................after (s)he has read the entries/ entries have
been read over to her/him by me.
Signature of the Authorised person (In the box above) Rubber Stamp of the Aggregator (In the box above)
Name of the Aggregator
NPS Lite Account Office (NL-AO) Registration Number NPS Lite - Collection Centre (NL - CC) Registration Number
Membership No. allotted by Aggregator (if any)
Place Date d d / m m / y y y y
16. TO BE FILLED BY POP-SP
Receipt No. (17 digits) POP-SP Registration Number
Document accepted for date of Birth Proof:
Copy of PAN card submitted YES NO KYC Compliance YES NO

Documents Received: (Originals V�� (Attested) True Copies
Identity V��W
Done
Existing Customer:
I/we hereby certify/confirm that Shri/Smt/Kum ......................... is an existing KYC verified customer The above applicant is having an operative Bank/
Demat/Folio/.......................account (specify nature of the account) having account number/client ID.......................maintained at..............branch/office.
The KYC documents available with us for this customer/client matches the requirement for opening NPS account and are in compliance with PMLA
RulesI/We further confirm that the Savings Bank a/c of Sh/Smt/Kum ...................... is not a ‘Basic Savings Bank Deposit Account (applicable in case of
Bank PoP)
To be filled by POP-SP
Name:
Designation: Place:
POP-SP Seal Signature of Authorized Signatory Date d d / m m / y y y y
[To be filled by CRA - Facilitation Centre (CRA-FC)]
Received by CRA-FC Registration Number
Received at Date d d / m m / y y y y
Acknowledgement Number (by CRA-FC)
PRAN Alloted
ACKNOWLEDGEMENT
Name of the Subscriber:
Contribution Amount Remitted: `
Date of Receipt of Application and Contribution Amount: d d / m m / y y y y
Stamp and Signature of the Employer/PoP:
5 of 5
Ver 1.5 CSRF
INSTRUCTIONS FOR FILLING THE SUBSCRIBER REGISTRATION FORM
General Guidelines
(a) Please �� the form in legible handwriting so as to avoid errors in your application processing. Please do not overwrite. Corrections should be made by cancelling and re-writing
and such corrections should be countersigned by the applicant. Each box, wherever provided, should contain only one character (alphabet / number / punctuation mark) leaving
a blank box after each word.
(b) In case, you mention the KYC number submission of proof for the same is necessary.
(c) Applications incomplete in any respect and/or not accompanied by required documents are liable to be rejected. The application is liable to be rejected if mandatory �� are
left blank or the application form is printed back to back
(d) The subscriber should not sign across the photograph. The photograph should not be stapled or clipped to the form. If there is any mark on the photograph such that it hinders
the clear visibility of the face of the subscriber, the application shall not be accepted.
(e) ��K
(f) Name and Address of the applicant mentioned on the form, should match with the documentary proof submitted.
(g) The subscriber’s thumb’��m ��
S. Item Item Details Instructions
No No.
i. This Form is applicable only for Resident Indians. There is a separate Form for Non Resident Indians & Overseas Citizen of India.
Personal Details ii. Currently, Foreign Nationals / Other Country Individuals (OCI) and Persons of Indian Origin (PIO) are not allowed to open PRAN.
iii. The applicant shall mention father’s name and mother’s name and shall select the option to be printed on PRAN Card.
Spouse Name If married, spouse name is mandatory.
1 1 i. Father’s name is mandatory.
Father’s Name ii. If father’�� Annexure II for the same.
i. Mother’s name is mandatory
Mother’s Name ii. If Mother’�� Annexure II for the same.
Date of Birth Please ensure that the date of birth matches as indicated in the document provided in the support.
S.No Proof of Identity (Copy of any one) S.No Proof of Address (Copy of any one)
1 Passport issued by Government of India. 1 Passport issued by Government of India
2 Ration card with photograph. 2 Ration card with photograph and residential address
3 �� 3 Bank Pass book or �� with photograph and residential
address
4 �� for an existing customer. 4 �� for an existing customer.
5 Voters Identity card with photograph and residential address. 5 Voters Identity card with photograph and residential address
6 Valid Driving license with photograph 6 Valid Driving license with photograph and residential address
7 �� of identity with photograph signed by a Member of 7 Letter from any recognized public authority at the level of
Parliament or Member of Legislative Assembly Gazetted �� like District Magistrate, Divisional commissioner,
BDO, Tehsildar, Mandal Revenue ��, Judicial Magistrate etc.
8 PAN Card issued by Income tax department 8 �� of address with photograph signed by a Member of
Parliament or Member of Legislative Assembly
Identity, 9 Aadhar Card / letter issued by Unique ��
Authority 9 Aadhar Card / letter issued by Unique ��
Authority of
Correspondence & of India India clearly showing the address
Permanent address 10 Job cards issued by NREGA duly signed by an �� of the 10 Job cards issued by NREGA duly signed by an �� of the
details State Government State Government
11 Identity card issued by Central/State government and its 11 The identity card/document with address or letter of allotment
2 2, 3 & 4 Departments, Statutory/ Regulatory Authorities, Public Sector of accomodation issued by any of the following: Central/
Undertakings, Scheduled commercial Banks, Public Financial State Government and its Departments, Statutory/Regulatory
Institutions, Colleges ��to universities and Professional Authorities, Public Sector Undertakings, Scheduled Commercial
Bodies such as ICAI, ICWAI, ICSI, Bar Council etc. Banks, Financial Institutions and listed companises for their
employees.Pension or Family Pension Payment Orders issued
by Govt. Departments or PSU containing address.
12 Photo. Identity Card issued by Defence, Paramilitary and 12 Latest Electricity/water/piped gas bill in the name of the Subscriber
Police department’s / Claimant and showing the address (less than 2 months old)
13 Ex-Service Man Card issued by Ministry of Defence to their 13 Latest Telephone bill (landline & postpaid mobile) in the name of
employees. the Subscriber / Claimant and showing the address (less than 2
months old)
14 Photo Credit card. 14 Latest Property/house Tax receipt (not more than one year old)
15 Existing valid registered lease agreement of the house on stamp
paper ( in case of rented/leased accommodation)
Note:
(i) If the address on the document submitted for identity proof by the prospective customer is same as that declared by him/her in the account
opening form, the document may be accepted as a valid proof of both identity and address.
(ii) If the address indicated on the document submitted for identity proof differs from the current address mentioned in the account opening
form, a separate proof of address should be obtained. All future communications will be sent to correspondence address. If correspondence
& Permanent address are different, then proof for both have to be submitted.
(iii) The KYC documents may be submitted within a period of 30 days after generation of PRAN. (Only for Government Subscribers)
Politically Exposed Persons’ (PEPs) are individuals who are or have been entrusted with prominent public functions in a foreign country, for
Politically Exposed example heads of state or of the government, senior politicians, senior government, judicial or military �� senior executives of state-
3 6 Person ��
For Tier I & Tier II account, bank details are mandatory and it should be supported by a documentary proof. Please attach a cancelled cheque
Subscriber’s Bank containing Subscriber Name, Bank Name, Bank Account Number and IFS Code. If cheque is not available or cheque is not preprinted with
4 7 Details Subscriber name, a copy of bank passbook or bank statement or bank �� or letter from Bank mentioning Subscriber Name, Bank
Name, Bank Account No. and IFS Code should be submitted.
In case of more than one nominee, percentage share value for all the nominees must be integer. Decimals/Fractional values shall not be
Subscriber’s accepted in the nomination(s). Sum of percentage share across all the nominees must be equal to 100. If sum of percentage is not equal to
5 8 Nomination Details 100, entire nomination will be rejected.
Pension Fund (PF) Government employee/subscribers can exercice choice of Pension Funds and allocate their investments either in Asset Class‘G’ under’
Actice Choice’ and in Life Cycle Funds - LC 50 or LC 25 under ‘Auto Choice’. In case a Government employee/subscribers does not exercises
6 10 Selection and
Investment Option Pension FundsPension
the choices of Fund, their contributions will be allocated among 03 Pension Funds namely (i) LIC Pension Fund Limited (ii) SBI
Pvt. Limited (iii) UTI Retirement Solutions Ltd.
��
• 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 �� Number (TIN): TIN need not be reported if it has not been issued by the jurisdiction. However, if the said jurisdiction has
Declaration by issued a high integrity number with an equivalent level of �� (a “Functional equivalent”), the same may be reported. Examples
7 11 subscriber on FATCA of that type of number for individual include, a social security/insurance number, citizen/personal �� code/number and
Compliance resident registration number)
• If applicant residence for tax purpose in jurisdiction(s) within India, Permanent Account Number (PAN) to be provided as T��
• In case applicant is declaring US person status as ‘No’ but his/her Country of Birth is US, document evidencing Relinquishment of
��
Signature / Thumb impression should only be within the box provided in the form. Thumb impression, if used, should be attested by the
Declaration by designated �� of POP/POP-SP/Nodal �� with the �� seal and stamp. Left Thumb Impression in case of males and Right Thumb
8 12 Subscriber Impression in case of females.
General Information for Subscribers
a) The Subscriber can obtain the status of his/her application from CRA�� .
��K
��W
Website: https://www.npscra.nsdl.co.in
Call: 022-4090 4242
Address: Central Recordkeeping Agency (CRA)
NSDL e-Governance Infrastructure Limited
1st Floor, Times Tower, Kamala Mills Compound, Senapati Bapat Marg,
Lower Parel (W), Mumbai - 400013
6 of 5
Ver 1.5 Annexure A to CSRF
Upto 50 75%
51 72.50%
52 70%
53 67.50%
54 65%
55 62.50%
56 60%
57 57.50%
58 55%
59 52.50%
60 & above 50%
Please note:
2. From 51 years and above, maximum permitted Equity Investment will be as per the equity allocation matrix provided above. The tapering off of equity
NATIONAL PENSION SYSTEM (NPS) - SUBSCRIBER REGISTRATION FORM
KFINTECH CENTRAL RECORDKEEPING AGENCY (NPS)
Central Govt. State Govt.
Please select your category Central Autonomous Body State Autonomous Body Affix recent
All Citizen Model photograph of
[ Please tick( ) ] Corporate Sector
3.5 cm x 2.5 cm size/
NPS Lite (GDS) Passport size
To,
Dear Sir/Madam,
* indicates mandatory fields. Please fill the form in English and BLOCK letters with black ink pen.
1. PERSONAL DETAILS : (Please refer to Sr. No. 1 of the instructions)

First Name*
Middle Name
Last Name
Subscriber’s Maiden Name(if any)
Father’s Name*
Mother’s Name*
Father’s name will be printed on PRAN card. In case mother’s name to be printed instead of father’s name [ Please tick ( ) ]
Date of Birth* / /
City of Birth*
Country of Birth*
Gender* [ Please tick ( )] Male Female Others Nationality* Indian
Marital Status* Married Unmarried Others
Spouse Name*
Residential Status* Indian
2. PROOF OF IDENTITY (Pol)* (Any one of the documents need to be provided along with the identification number)
Passport Passport Expiry Date / /
Driving License Driving License Expiry Date / /
NREGA JOB Card
Others Name of the ID Please refer Sr. No. 2 of the instructions.
UID (Aadhaar) (UIDI [ Aadhaar ] number not required.)

As per the amendments made under Prevention of Money-Laundering (Maintenance of Records) Second Amendment Rules, 2019, PAN or Form 60 is mandatory under
NPS. If you do not have PAN at present, please ensure that these details are provided within six months of submission of this Subscriber Registration Form.
3. PROOF OF ADDRESS (PoA)* Correspondence Address Permanent Address

[ Please tick ( ), as applicable ] Passport/Driving License/UID (Aadhaar)/Voter ID card/NREGA Job Passport /Driving License/UID (Aadhaar)/Voter ID card/NREGA Job
Registered Lease/Sale agreement of residence/Municipal Tax Receipt Registered Lease/Sale agreement of residence/Municipal Tax Receipt
Please refer Sr. No. 2 of the instructions
#Latest Piped Gas/water/Electricity/Telephone[Landline or postpaid mobile] Bill #Latest Piped Gas/water/Electricity/Telephone[Landline or postpaid mobile] Bill
4.1.CORRESPONDENCE ADDRESS DETAILS*

Address Type* Residential/Business Residential Business Registered Office Unspecified

Road/Street/Lane
Area/Locality/Taluk
State/U.T.
4.2. PERMANENT ADDRESS DETAILS* Tick ( ) in the box in case the address is same as above.
Address Type* Residential/Business Residential Business Registered Office Unspecified

Road/Street/Lane
Area/Locality/Taluk
State/U.T.
Ver 1.11 1 of 7
5. CONTACT DETAILS
Tel. (Off) (with STD code) + Tel. (Res): (with STD code) +
Mobile* + 9 1 (Mobile Number is required for communication and to get SMS alerts)
Email ID
6. OTHER DETAILS ( Please refer Sr no.3 of the Instructions)
Occupation Details* [ please tick( ) ]
Income Range (per annum) Upto 1 lac 1 lac to 5 lac 5 lac to 10 lac 10 lac to 25 lac 25 lac and above
Educational Qualifications Below SSC SSC HSC Graduate Masters Professionals ( CA,CS, CMA etc)
Please Tick If Applicable Politically exposed person Related to Politically exposed Person (Please refer instruction no.3)
7. SUBSCRIBER BANK DETAILS* ( Please refer Sr no.4 of the Instructions)
(All the bank details are mandatory except MICR Code.)
Account Type [ please tick( ) ] Savings A/c Current A/c
Bank A/c Number
Bank Name
Branch Name
State/U.T.
8. SUBSCRIBERS NOMINATION DETAILS* (Please refer Sr no.5 of the Instructions)
Name of the Nominee (You can nominate up to a maximum of 3 nominees and if you desire so please fill in Annexure lll (Additional Nomination Form) provided separately)
Relationship with the Applicant Date of Birth (In case of Minor)

9. NPS OPTION DETAILS (Please tick ( ) as applicable)

I would like to subscribe or Tier ll Account also YES NO If Yes, please submit details Annexure l.
(If you wish to activate Tier II account subsequently you may submit separate application (Annexure S10) to the associated Nodal Office or to POP/POP-SP of your choice The list of
POP/POP-SPs rendering services under NPS and Annexure S10 is available on CRA website
I would like my PRAN to be printed in Hindi YES NO If Yes, please submit details Annexure ll.
10. PENSION FUND (PF) SELECTION AND INVESTMENT OPTION*( Please refer to Sr no.6 of the instructions ) as applicable)
(I) PENSION FUND SELECTION (Tier I) : Please read below conditions before opting for the choice of Pension Funds:
1. Government Sector : The following Pension Funds (PFs) will act jointly as default PFs, if choice is not exercised by the government employee/subscriber
(a) LIC Pension Fund Limited (b) SBI Pension Funds Pvt. Limited (c) UTI Retirement Solutions Ltd. In case of Central Autonomous Bodies (CAB)/
State Government (SG)/State Autonomous Bodies (SAB) employees, selection made under this section will be ignored, if choice to employees is not notified
by the respective State Govt/Ministry
2. All Citizen Model: Subscribers under All Citizen model have the option to choose the available PFs as per their choice in the table below.
3. Corporate Model: Subscribers shall have the option to choose the available PFs as per the below table in consultation with their respective Employer.
4. Default Choice of Pension Funds: Available in Government sector, if employee/subscriber does not exercise choice of PF
Name of the Pension Fund (Please select only one) Please Tick ( ) Default Choice of Pension Funds
Available in Government sector, if employee / subscriber does not
exercise choice of PF
* Selection of one Pension Fund is mandatory for All Citizen subscriber
(Please Tick ( ) in the box given below showing your investment option).
Please note:
1. In case you select Active Choice fill up section (iii) below and if you select Auto Choice fill up section (iv) below.
3. In case you have opted for Auto Choice and fill up section (iii) below relating to Asset Allocation, the Asset Allocation instructions will be ignored and investment
will be made as per Auto Choice (LC 50).
(iii) ASSET ALLOCATION (to be filled up only in case you have selected the 'Active Choice' investment option)
E C G A Asset class E-Equity and related instruments; Asset class C-Corporate debt and related instruments;
Asset Class (Cannot (Max up to (Max up to (Cannot Asset class G-Government Bonds and related instruments; Asset CIass A-Alternative Investment
Total
Funds including instruments like CMBS, MBS, REITS, AIFs, Invlts etc.
exceed 75%) 100%) 100%) exceed 5%) Please note::
Specify % 2. From 51 years and above, maximum permitted Equity Investment will be as per the asset allocation matrix
provided In Annexure I. The tapering off of equity allocation will be carried out as per the matrix on date of birth
3. The total allocation across E, C, G and A asset classes must be equal to 100%. In case. the
allocation is left blank and/or does not equal 100%, the application shall be rejected.
4. In case of Active Choice. if the equity asset allocation selected is more than what has been permitted as
per PFRDA guidelines (e.g. a person of age 53 selecting 75% in equity as against permitted limit), the
permitted limit will be allotted in remaining portion will be allocated to asset class G.
Choices in Not In case of Government employee/subscriber the Active choice of Asset Allocation is restricted to Asset Class ‘G’ only
Govt Sector Not available Available available
Ver 1.11 2of 7

(iv) Auto Choice Option (to be filled up only in case you have selected the ‘Auto Choice’ investment option). In case, you do not indicate a
choice of LC, your funds will be invested as per LC 50.
Life Cycle(LC)Funds Please Tick ( ) Only One Choices in Govt. sector Note: 1. LC 75- It is the Life cycle fund where the Cap to Equity investments is 75% of the total asset
LC 75 Not available 2. LC 50- It is the Life cycle fund where the Cap to Equity investments is 50% of the total asset
LC 50
4. Govt. employee can exercise Auto Choice of Asset Allocation for LC 25 & LC 50 only
LC 25 Available
11. DECLARATION BY SUBSCRIBER* ( Please refer to Sr.no. 7 of the instructions)

I have read and understood the terms and conditions of the National Pension System and hereby agree to the same along with the PFRDA Act, regulations framed there under
I further agree to be bound by the terms and conditions of provision of services by CRA, from time to time and any amendment thereof as approved by PFRDA, whether
complete or partial without any new declaration being furnished by me. I shall be bound by the terms and conditions for the usage of I-PIN (to access CRA website and view
details) & T-PIN.

that right to peruse my financial profile or share the information, with other government authorities. I further agree that NPS Trust has the right to close my PRAN in case I am
Place :
12. DECLARATION ON FATCA* (Foreign Account Tax Compliance Act) COMPLIANCE (Please refer to Sr.no. 8 of the instructions) :
Section I*
US Person* Yes No
Section II*
For the purposes of taxation, I am a resident in the following countries and my Permanent Account Number (PAN) / Tax Identification Number (TIN) /
Functional Equivalent Number in each country is set out below or I have indicated that a PAN/TIN/functional equivalent Number is unavailable
(kindly fill details of all countries of tax residence if more than one) :
Address Line 1
Address in the jurisdiction for Tax City/Town/Village

Residence State
ZIP/Post Code
Permanent Account Number (PAN) / Tax Identification Number

(TIN)/Functional Equivalent Number
PAN/TIN/ Functional equivalent Number Issuing Country
Validity of documentary evidence provided (Wherever applicable) dd /mm / yyyy dd /mm / yyyy dd /mm / yyyy
“I certify that:
a) It shall be my responsibility to educate myself and to comply at all times with all relevant laws relating to reporting under section 285BA of the Act read
with the Rules 114F to 114H of the Income tax Rules, 1962 there under and the information provided in the Form is in accordance with the aforesaid
rules,
b) the information provided by me in the Form, its supporting Annexures as well as in the documentary evidence are, to the best of my knowledge and
belief, true, correct and complete and that I have not withheld any material information that may affect the assessment/categorization of the account as
a Reportable account or otherwise.
c) I permit/authorise the NPS Trust to collect, store, communicate and process information relating to the Account and all transactions therein, by the NPS
Trust and any of NPS intermediaries wherever situated including sharing, transfer and disclosure between them and to the authorities in and/or outside
India or any confidential information for compliance with any law or regulation whether domestic or foreign.
d) I undertake the responsibility to declare and disclose within 30 days from the date of change, any changes that may take place in the information
provided in the Form, its supporting Annexures as well as in the documentary evidence provided by me or if any certification becomes incorrect and to
provide fresh self-certification along with documentary evidence,
e) I also agree that in case of my failure to disclose any material fact known to me, now or in future, the NPS Trust may report to any regulator and/or any
authority designated by the Government of India (GOI) /RBI/IRDA/PFRDA for the purpose or take any other action as may be deemed appropriate by
the NPS Trust if the deficiency is not remedied by me within the stipulated period.
f) I hereby accept and acknowledge that the NPS Trust shall have the right and authority to carry out investigations from the information available in public
domain for confirming the information provided by me to the NPS Trust
g) I also agree to furnish such information and/or documents as the NPS Trust may require from time to time on account of any change in law either in
India or abroad in the subject matter herein.
Ver 1.11 3 of 7
Place :
(*LTI in case of male and RTI in case of females)
Name of subscriber
13. DECLARATION BY EMPLOYER

Applicable to Government Subscribers only
(Subscribers Employment Details to be filled and attested by the Deptt. (All Details are Mandatory)
Employee Code/ID (If applicable) Employee Code/ID and PRAN are optional. If you intend
PPAN ( If applicable ) to provide, mention any one.
Group of Employee (Tick as applicable) Group A Group B Group C Group D
Office
Department
Ministry
DDO Registration Number
DTO/PAO/CDDO/DTA/PrAO Registration Number
Basic Pay
Pay Scale
It is certified that the details provided in this subscriber registration form by ___________________________________ employed with us, including
the address and employment details provided above are as per the service record of the employee maintained by us. Also, it is further certified that
he /she has read entries/entries have been read over to him/her by us and got confirmed by him/her.
Signature of the Authorised person Rubber Stamp of the DDO Signature of the Authorised person Rubber Stamp of the DTO/PAO/CDDO/
(In the box above) (In the box above) (In the box above) DTA/PrAO (In the box above)
Designation of the Authorised Person Designation of the Authorised Person
Name of the DDO Name of DTO/PAO/CDDO/DTA/PrAO
Deptt/Ministry Date d d / m m / y y y y
14. DECLARATION BY EMPLOYER/ CORPORATE
Applicable to Corporate Subscribers only

(Subscribers Employment Details to be filled and attested by Corporate (All Details are Mandatory))
Employee Code/ID
Certified that the details provided in this subscriber registration form by __________________________________ employed with us, including the
employment details provided above are as per the service record of the employee maintained by us. Also, it is further certified that he /she has read
entries / entries have been read over to him / her by us and got confirmed by him / her.
Date d d / m m / y y y y Place
Signature of the Authorised person (In the box above)
Designation of the Authorised Person Rubber Stamp of the Corporate (In the box above)
Ver 1.11 4 of 7
15. TO BE FILLED BY POP-SP
Receipt No. (17 digits) POP-SP Registration Number
Copy of PAN card submitted YES NO KYC Compliance YES NO

Document Received: (Originals Verified) Self Certified (Attested )True Copies
Identity Verification : Done
Existing Customer:
I/we hereby certify/confirm that Shri/Smt/Kum ................................................................. is an existing KYC verified customer.
The above applicant is having an operative Bank/Demat/Folio/........................................... ..account (specify nature of the account) having account
number/client ID.............................maintained at ..................................... branch/office. The KYC documents available with us for this
customer/client matches the requirement for opening NPS account and are in compliance with PMLA Rules. I/We further confirm that the Savings
Bank a/c of Sh/Smt/Kum................................................ is not a Basic Savings Bank Deposit Account (applicable in case of Bank PoP).
Name:
Designation:
To Be Filled by CRA Branch
Received by CRA-Branch
Acknowledgement Number (by CRA-Branch)
PRAN Allotted
ACKNOWLEDGEMENT
Contribution Amount Remitted:
Date of Receipt of Application and Contribution Amount d d / m m / y y y y
Stamp and Signature of the Employee/PoP:
Ver 1.11 5 of 7
General Guidelines
a) Please fill the form in legible handwriting so as to avoid errors in your application processing. Please do not overwrite. Corrections should be made by cancelling and re-writing and such
corrections should be countersigned by the applicant. Each box, wherever provided, should contain only one character (alphabet / number / punctuation mark) leaving a blank box after
each word.
b) In case, you mention the KYC number submission of proof for the same in necessary.
c) Applications incomplete in any respect and/or not accompanied by required documents are liable to be rejected. The application is liable to be rejected if mandatory fields are left blank or
the application form is printed back to back.
d) The subscriber should not sign across the photograph. The photograph should not be stapled or clipped to the form. If there is any mark on the photograph such that it hinders the clear
visibility of the face of the subscriber, the application shall not be accepted.
e) Copies of all the documents submitted by the applicant should be self-attested and accompanied by originals for verification by the nodal office.
f) Name and Address of the applicant mentioned on the form, should match with the documentary proof submitted.
g) The subscriber’s thumb’s impression should be verified by the designated officer of POP-SP / Nodal Office.
S.No Item Item Details Instructions

No.
i. This Form is only for Resident Indians and there is a separate Form for Non Resident Indians and overseas citizens of India.
Personal Details ii. Currently, Foreign Nationals / Other Country Individuals (OCI) and Persons of Indian Origin (PIO) are not allowed to open PRAN.
iii. The applicant shall mention father's name and mother's name and shall select the option to be printed on PRAN Card.
Father’s Name ii. If father’s name has more than 30 digits, you may fill Annexure II for the same.
i. Mother’s name is mandatory.
Mother’s Name
ii. If Mother’s name has more than 30 digits, you may fill Annexure II for the same.
3 Bank Pass book or certificate with Photograph 3 Bank Pass book or certificate with photograph and residential address
4 Certificate of the POP for an existing customer 4 Certificate of the POP for an existing customer
5 Voters Identity card with photograph 5 Voters Identity card with photograph and residential address
7 Certificate of identity with photograph signed by a Member of 7 Letter from any recognized public authority at the level of Gazetted
Parliament or Member of Legislative Assembly officer like District Magistrate, Divisional commissioner, BDO,
Tehsidar, Mandal Revenue Officer, Judicial Magistrate etc.
8 PAN Card issued by Income tax department 8 Certificate of address with photograph signed by a Member of
Identity, 9 Aadhar Card / letter issued by Unique Identification Authority of India 9 Aadhar Card / letter issued by Unique Identification Authority of India
Correspondence & clearly showing the address
2 2, 3 & 4 Permanent address
10 Job cards issued by NREGA duly signed by an officer of the state 10 Job cards issued by NREGA duly signed by an officer of the State
details
Government Government
11 The identity card/document with address or letter of allotment of 11 The identity card/document with address or letter of allotment of
accommodation issued by any of the following: Central/State Government accommodation issued by any of the following: SSSCentral/State Government
and its Departments, Statutory/Regulatory Authorities, Public Sector and its Departments, Statutory/Regulatory Authorities, Public Sector
Undertakings, Scheduled commercial Banks, Financial Institutions and Undertakings, Scheduled Commercial Banks, Financial Institutions and
listed companies for their employees. Pension or Family Pension Payment listed companies for their employees. Pension or Family Pension Payment
Orders issued by Govt. Departments or PSU containing address. Orders issued by Govt. Departments or PSU containing address.
12 Photo, Identity Card issued by Defence, Paramilitary and Police 12 Latest Electricity/water/piped gas bill in the name of the Subscriber/
department's Claimant and showing the address (less than 2 months old)
13 Ex-Service Man Card issued by Ministry of Defence to their employees. 13 Latest Telephone bill (landline & postpaid) in the name of the
Subscriber/Claimant and showing the address (less than 2 months old)
paper (in case of rented/leased accommodation)
Note:
(I) If the address on the document submitted for identity proof by the prospective customer is same as that declared by him/her in the account
opening form, the document may be accepted as a valid proof of both identity and address.
(II) If the address indicated on the document submitted for identity proof differs from the current address mentioned in the account opening form, a
form, a separate proof of address should be obtained. All future communications will be sent to correspondence address.
If correspondence & Permanent address are different, then proof for both have to be submitted.
(III) The KYC documents may be submitted within a period of 30 days after generation of PRAN. (Only for Government Subscribers)
Politically Exposed Person’s (PEPs) are individuals who are or have been entrusted with prominent public functions in a foreign country, for example
Politically Exposed
3 6 heads of state or of the government, senior politicians, senior government, judicial or military officials, senior executives of state owned corporations,
Person
important political party officials.
For Tier I & Tier II account, bank details are mandatory and it should be supported by documentary proof, Please attach a cancelled cheque containing Subscriber
4 7 Subscriber’s Bank
Name, Bank Name, Bank Account Number, and IFS Code. If cheque is not available or cheque is not preprinted with Subscriber name, a copy of bank passbook or
Details
bank statement or bank certificate or letter from Bank mentioning Subscriber Name, Bank Name, Bank Account No. and IFS Code should be submitted.
In case of more than one nominee, percentage share value for all the nominees must be integer. Decimals/Fractional values shall not be accepted in
Subscriber’s the nomination(s). Sum of percentage share across all the nominees must be equal to 100. If sum of percentage is not equal to accepted in the
5 8 Nomination Details nomination(s). Sum of percentage share across all the nominees must be equal to 100. If sum of percentage is not equal to 100, entire nomination
will be rejected.
Pension Fun (PF) Government employee/subscribers can exercise choice of Pension Funds and allocate their investments either in Asset Class ‘G’ under ‘Active Choice’ and in Life Cycle
6 10 Selection and Funds - LC 50 or LC 25 under ‘Auto Choice’. In case a Government employee/subscribers does not exercises the choices of Pension Fund, their contributions will be
Investment Option allocated among 03 Pension Funds namely(i) LIC Pension Fund Limited (ii) SBI Pension Funds Pvt. Limited (iii) UTI Retirement Solutions Ltd.
Signature/Thumb impression should only be within the box provided in the form. Thumb impression, if used, should be attested by the designated
Declaration
7 11 officer of POP/POP-SP/Nodal office with the official seal and stamp. Left Thumb Impression in case of males and Right Thumb Impression in case of
by Subscriber
females.
Clarification / Guidelines on filling details if applicant residence of 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
Declaration by issued a high integrity number with an equivalent level of identification (a “Functional equivalent”), the same may be reported. Examples of
8 12 subscriber on FATCA that type of number for individual include, a social security/insurance number, citizen/personal identification/services code/number and resident
Compliance 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.
a) The Subscriber can obtain the status of his/her application from CRA and their designated nodal officer.
b) Subscribers are advised to retain the acknowledgment slip signed/stamped by the designated nodal officer where they submit the application.
c) For more information/clarifications, contact CRA:
Website: https://nps.kfintech.com
Call: 1800 208 1516
Address: KFin Technologies Pvt. Ltd.
Tower- B, Plot No 31 & 32,
Selenuim Building, Financial district,
Nanakramguda, Gachibowli,
Hyderabad - 500 032.
Ver 1.11 6 of 7
Annexure I to CSRF
Upto 50 75%
51 72.50%
52 70%
53 67.50%
54 65%
55 62.50%
56 60%
57 57.50%
58 55%
59 52.50%
60 & above 50%
Please note:
Ver 1.11 7 of 7
Ver 1.5 Annexure I to CSRF
TIER II DETAILS
I hereby submit the following details for activation of Tier – II account under NPS.
1. PAN card Number (Mandatory) :
2. Subscribers Bank Details: (All bank details are mandatory except MICR Code)
If same as Tier I, Please Tick (√) else, provide the details below: Savings A/c Current A/c
Bank A/c Number
Bank Name
Branch Name
Branch Address PIN CODE
Subscriber’s Nomination Details
If same as Tier I, Please Tick (√) else, provide the details below. In case you desire to nominate more than one person, please fill Annexure III.
3. Name of the Nominee:
4. Date of Birth (In case of Minor) d d / m m / y y y y
5. Relationship with the Nominee:
6. Nominee’s Guardian Details (in case of a minor):
Subscriber Scheme Preference
7. If same as Tier I, Please Tick (√) else, provide the details below
(i) PENSION FUND SELECTION (Tier II) : Please read below conditions before opting for the choice of Pension Funds:
* Name of the Pension Funds are given in alphabetical order.
Name of the Pension Fund (Please select only one) Please Tick (√) Only One
* Selection of Pension Fund is mandatory both in Active and Auto Choice.

(Please Tick (√) in the box given below showing your investment option).
Please note:
1. In case you select ��
��
.
3. In case you have opted for Auto Choice and ��up section (iii) below relating to Asset Allocation, the Asset Allocation instructions will be ignored
and investment will be made as per Auto Choice (LC 50).
1 of 2
Ver 1.5 Annexure I to CSRF
E C G
Asset Class (Cannot (Max up to (Max up to Total
Asset class E-Equity and related instruments; Asset class C-Corporate debt and related
exceed 75%) 100%) 100%)
instruments; Asset class G-Goverment Bonds and related instruments.
Specify % 100%
Please note:
2. From 51 years and above, maximum permitted Equity Investment will be as per the equity allocation matrix provided in Annexure A. The tapering
off of equity allocation will be carried out as per the matrix on date of birth.
3. The total allocation across E, C and G asset classes must be equal to 100%. In case, the allocation is left blank and/or does not equal 100%, the
application shall be rejected.
(iv) AUTO CHOICE OPTION (to be filled up only in case you have selected the ‘Auto Choice’ investment option). In case, you do not indicate
a choice of LC, your funds will be invested as per LC 50.
Life Cycle (LC)Funds Please Tick (√)

Only One
Note: 1. LC 75- It is the Life cycle fund where the Cap to Equity investments is 75% of the total asset
LC 75 2. LC 50- It is the Life cycle fund where the Cap to Equity investments is 50% of the total asset
LC 25
Declaration & Authorization by subscriber
I have read and understood the terms and conditions of the National Pension System and hereby agree to the same and declare that the information and
documents furnished by me are true and correct, to the best of my knowledge and belief. I undertake to inform immediately the National Pension System
Trust, of any change in the above information furnished by me. I do not hold any pre-existing account under NPS. I understand that I shall be fully liable
for submission of any false or incorrect information or documents.
I further agree to be bound by the terms and conditions of provision of services by CRA, from time to time and any amendment thereof as approved by
PFRDA, whether complete or partial without any new declaration being furnished by me. I shall be bound by the terms and conditions for the usage of
I-pin (to access CRA/NPSCAN and view details) & T-pin on the CRA website.
I hereby declare that the contribution paid by me/on my behalf has been derived from legally declared and assessed sources of income. I understand that
NPS Trust has the right to peruse my financial profile or share the information, with other government authorities. I further agree that NPS Trust has the
right to close my PRAN in case I am found violating the provisions of any law relating to prevention of money laundering.
Date:
Signature/Thumb Impression* of
Place: Subscriber in black ink
(* LTI in case of male and RTI in case of female)
To be filled by POP/POP – SP/Nodal Office
��
Copy of PAN Card Submitted YES NO
Name:
Designation:
Place:
POP-SP/��Seal Signature of Authorised Signatory Date d d / m m / y y y y
2 of 2
Ver 1.5 Annexure II to CSRF
ADDITIONAL REQUEST DETAILS
1. Name of Father (required if name exceeds 30 characters and not able to be covered on page 1 of the application form)
First Name
Middle Name
Last Name
2. Name of Mother (required if name exceeds 30 characters and not able to be covered on page 1 of the application form)
First Name
Middle Name
Last Name
3. Request for Printing Permanent Retirement Account Number (PRAN) card in Hindi (required only if applicant wants PRAN
card in Hindi)
Please provide the following details in Devnagri script for printing the PRAN card in Hindi. Also, please note that the manner in which the names
are provided in this annexure will be displayed on the PRAN card. However, date of birth will be printed in English only. All the given below fields are
mandatory.
Subscriber’s Full Name in Hindi Father/Mother’s Full Name in Hindi

(As selected in the Subscriber Registration form)
Please refer Sr. No. 1 of the instructions.
First Name
Middle Name
Last Name
Name:
Place:
Signature/Thumb Impression* of Subscriber in black ink Date: d d / m m / y y y y
(* LTI (Left Thumb Impression) in case of male and RTI (Right Thumb Impression) in case of female)
Ver 1.5 Annexure III to CSRF
ADDITIONAL NOMINATION FORM
INSTRUCTIONS FOR FILLING IN THE FORM
The details of nominees to whom the outstanding pension wealth of the subscriber is payable in case of the demise of the subscriber before entire
proceeds are withdrawn is to be provided hereunder (Please refer instruction no: 5). Also, please note that in case of demise of the subscriber after opting
for deferred withdrawal, all the outstanding pension wealth present in the NPS account of the subscriber shall be withdrawn upon receiving the request
and paid to the nominees as mentioned in this form and the same would be treated as full and final discharge of the obligation.
I, hereby nominate the person(s) mentioned below who is/are member(s)/

of my family to receive the amount in my PRAN account under National Pension System in the event of my death.

1st Nominee 2nd Nominee 3rd Nominee
First Name First Name First Name
Middle Name Middle Name Middle Name
Last Name Last Name Last Name
2. Present Communication address of the nominees:

Address of 1st Nominee Address of 2nd Nominee Address of 3rd Nominee
3. Date of Birth* (Only in case of a minor):
1st Nominee d d / m m / y y y y 2nd Nominee d d / m m / y y y y 3rd Nominee d d / m m / y y y y

5. Percentage Share:
1st Nominee % 2nd Nominee % 3rd Nominee %
6. Nominee’s Guardian Details (Only in case of a minor):

1st Nominee’s Guardian Details 2nd Nominee’s Guardian Details 3rd Nominee’s Guardian Details
Dated this day of 20 at
Signature/ Thumb Impression* of the Subscriber
*Note: Left thumb impression in case of illiterate male Subscriber and Right thumb impression in case of illiterate female subscriber must be obtained.
1 of 2
Ver 1.5 Annexure III to CSRF
TO BE FILLED/ATTESTED BY POP-SP/DDO/NL-CC
Certified that the above declaration and nomination details has been signed / thumb impressed before me by Sh/Smt/Ms.
after he / she have read the entries / entries have been read over to him / her by me and got confirmed by him / her.
Rubber Stamp of the POP-SP/DDO/NL-CC Signature of the Authorised Person
POP-SP/DDO/NL-CC Registration Number Designation of the Authorised Person :

(Allotted by CRA)
POP-SP/DDO/NL-CC Office Name :
TO BE FILLED/ATTESTED BY POP/POP-SP/PAO/DTO/DTA/PrAO/NL-AO/NL-OO
POP/POP-SP/PAO/DTO/DTA/PrAO/NL-AO/NL-OO Registration Number
(Allotted by CRA):
Rubber Stamp of the POP/POP-SP/PAO/DTO/DTA/PrAO/NL-AO/NL-OO

Signature of the Authorised Person
2 of 2
Annexure NCIS To be used for subscribing under NPS
National Pension System (NPS)

NPS Contribution Instruction Slip (NCIS) - All fields marked with * are mandatory.
Subscriber Details:
Subscriber’s PRAN*:______________ / New Application
Name of the Subscriber* : _____________________________________________________
Are you a Govt. Employee covered under NPS - Yes No (please select, if applicable)
(See instructions at Sr. No. 1)
Phone No/ Mobile No.: ___________________
Payment Details*:
Cheque/DD/Cash Cheque/DD No. Bank Name, Branch & City Amount to be invested Amount to be invested Total Amount to be
(mandatory in case of in Tier 1 in Tier 2 invested
cheque/DD)
Total Amount to be invested (in words): ____________________________________________________________________________________________________
Instructions:
1. Govt. employees who are mandatorily covered under NPS can contribute voluntarily for Tier 1 [under the applicable sections of IT Act, 1961] and for Tier 2 vide
this NCIS. Voluntary contributions under Tier-I qualify for deduction under applicable sections of Income Tax Act, 1961 [please refer relevant provisions and rules].
2. Please quote your 12 digit PRAN allotted by Central Recordkeeping Agency (CRA) also on the reverse of the cheque/DD. In case of new application, please
mention “New Application” on the reverse of the cheque/DD.
3. Cheque/DD should be drawn in favor of “POP (Name of the POP) Collection Account - NPS Trust” and crossed A/c payee only. Please ensure sufficient balance is
available in the bank account, before submitting the Cheque.
4. Copy of PAN should be enclosed in case of cash contribution of Rs. 50,000 and above.
5. Each contribution i.e. contribution under Tier I and Tier II will be treated as a separate transaction and will be charged separately. For details of the charge
structure, please refer to the PFRDA offer document at www.pfrda.org.in.
Signature/Left Thumb Impression

of Subscriber
(To be filled by POP/POP-SP)
Received by: __________________________ POP-SP Registration Number: _______________________
Received at:____________________________ Date:______________ Time Stamp:__________________
Receipt Number
(To be provided by POP-SP)
Perforation) - NCIS Acknowledgement to the Subscriber

POP-SP Registration Number: ______________________
PRAN:
Name of the Subscriber: Date: __/__/____ Time Stamp: __________
_________________________________________
_
Cheque/DD Number: ______________ Cheque/DD date: ________________ Drawn on: ___________________________
Receipt Number
1. Amount received Tier I: Rs. 2. Amount received Tier II: Rs.
3. POP Registration Charges (one time): Rs. 4. POP Transaction Charges: Rs.
5. Service tax (as applicable): Rs.
6. Amount invested: Rs. Signature/Stamp of POP/POP-SP/Place

[(1+2)-(3+4+5)]
 Each contribution i.e. contribution under Tier I and Tier II will be treated as a separate transaction and will be charged separately [for details of the charge
structure, please refer to the PFRDA offer document at www.pfrda.org.in].
 Voluntary contributions under Tier-I qualify for deduction under applicable sections of Income Tax Act, 1961 [please refer relevant provisions and rules].
Annexure-UOS-S5
Subscriber request to change POP-SP
Receipt No.
(To be filled by POP-SP)

(Please fill all the details in CAPITAL LETTERS & in BLACK INK only. All fields mark with * are mandatory.)
___________________________________________________________________________________________
Sir/Madam,
I __________________________________________ (Name of the subscriber as in PRAN card) would like to

change my Point of Presence - Service Provider (POP-SP) ______________________________ (Name/Reg. No.
of source POP-SP) to ___________________________________ (Name/Reg. No. of target POP-SP). A photocopy
of my PRAN card is attached. My NPS related details are provided below:
Permanent Retirement Account Number*:

(As allotted by CRA)
Date _______________ Signature/Left Thumb impression of Subscriber*__________________________

________________________________________________________________________________________________________
Received by: ___________________________ POP-SP Registration Number: _______________________
Received at: _____________________________ Date:______________ Time Stamp:_________________
Details verified by: ___________________________ Date:______________ Time Stamp:_________________
----------------------------------------------------------------------------------------------------------------------------- ---------------------------
Acknowledgement for Subscriber
Received from: POP-SP Registration Number: ____________________

(PRAN)
Received at: ____________________________________ Date: ______________ Time Stamp:__________________
Receipt Number
Signature/Stamp of POP/POP-SP
The change request can be submitted to the source POP-SP or the target POP-SP. The source POP-SP is the POP-SP to
which the subscriber is presently associated. The target POP-SP is the POP-SP to which the Subscriber wants to shift.
The change request submitted by the Central/State Government employees (who are mandatorily covered under NPS) will
be applicable to Tier II account only.
For POP-SP name and Reg. No please visit CRA website (www.npscra.nsdl.co.in).
NSDL CRA
Annexure GoS-S3 (Ver 1.4) Page 1
Request for Scheme Preference Change under National Pension System (NPS)
(Please fill all the details in CAPITAL LETTERS & in BLACK INK only.)
For Nodal Office# use: Nodal Office Registration No. :_____________________________
Receipt No.: Receipt Date: ___/___/____

(Mandatory for POP/POP-SP)
PRAN *: Name of the Subscriber *: _________________________________
Scheme Preference Change: Tier I
I. Default Pension Funds (PFs):
The following Pension Funds (PFs) will act jointly as default PFs:
(a) LIC Pension Fund Limited (b) SBI Pension Funds Pvt. Limited (c) UTI Retirement Solutions Ltd.
II. Subscriber Scheme Choice

In case of Central Autonomous Bodies (CAB)/ State Government (SG)/State Autonomous Bodies (SAB) employees, selection made under this section
is allowed only if choice to employees is notified by the respective State Govt/Ministry.
(i). PENSION FUND SELECTION:
PFM Name (Please select only one) Please Tick (√) only one

* Selection of 01 Pension Fund is mandatory
(ii). INVESTMENT OPTION [Please Tick (√) in the box given below showing your investment option. Please tick only one, either Active Choice or Auto
Choice].
1. ACTIVE CHOICE
Note:
Asset Class G Please Tick (√) 1. Asset class G-100% of contribution will be invested in Government Bonds and related instruments
2. In case of Government employee/subscriber the Active choice of Asset Allocation is restricted to Asset
100% Class 'G' only
2. AUTO CHOICE
Life Cycle (LC) Please Tick Note:

Funds (√) Only One 1. Govt. employee can exercise Auto Choice of Asset Allocation for LC 25 & LC 50 only
LC50 2. LC 50- It is the Life cycle fund where the Cap to Equity investments is 50% of the total asset
LC25 3. LC 25- It is the Life cycle fund where the Cap to Equity investments is 25% of the total asset.
CRA generated Acknowledgement Number (to be filled by Nodal Office): ____________________________________________________________
I _____________________________________________________________ , the applicant, do hereby declare that

Information stated above is true to the best of my information & belief.
Date :
Signature/ Thumb
D D M M Y Y Y Y Impression of the Subscriber
Scheme Preference Change: Tier II

(i). PENSION FUND SELECTION:
(ii). Investment Option :(Please Tick (√) in the box given below showing your investment option)
Please note:
2. In case you do not indicate any investment option, your funds will be invested in Auto Choice (LC 50)
3. In case you have opted for Auto Choice and fill up section (iii) below relating to Asset Allocation, the Asset Allocation instructions will be ignored and
investment will be made as per Auto Choice (LC 50).
(iii). Active Choice Asset Allocation (to be filled up only in case you have selected the ‘Active Choice’ investment option)
E C G Total
Asset
(Cannot (Max up to (Max up to Asset class E-Equity and related instruments; Asset class C-Corporate debt
Class
exceed 75%) 100%) 100%) and related instruments; Asset class G-Government Bonds and related
Specify 100% instruments.
%
Please note:
2. From 51 years and above, maximum permitted Equity Investment will be as per the equity allocation matrix provided in Annexure A. The tapering off
of equity allocation will be carried out as per the matrix on date of birth.
3. The total allocation across E, C, G and A asset classes must be equal to 100%. In case, the allocation is left blank and/or does not equal 100%, the
iv) Auto Choice Option (To be filled up only in case you have selected the ‘Auto Choice’ investment option).In case, you
do not indicate a choice of LC, your funds will be invested as per LC 50.
Life Cycle
Please Tick (√) Only One
(LC)Funds Note:1. LC 75- It is the Life cycle fund where the Cap to Equity investments is 75% of the total asset
LC25
CRA generated Acknowledgement Number (to be filled by Nodal Office): ______________________________

Date :
Signature/ Thumb
D D M M Y Y Y Y Impression of the Subscriber
TO BE FILLED/ATTESTED BY DDO (Mandatory if the request

is processed by the associated Nodal Office)
Signature of the DDO

Rubber Stamp of the DDO Name : _____________________________________ Designation:__________________________
TO BE FILLED/ATTESTED BY NODAL OFFICE
Signature of the Nodal Office (PAO/DTO/DTA/POP/POP-SP)

Rubber Stamp of the Nodal Office Name : _____________________________________ Designation:______________________
Acknowledgement to the Subscriber

(To be filled by Nodal Office)
Scheme Preference Change: Tier I Tier II
Nodal Office Registration Number: ______________________ PRAN:
Name of the Subscriber: __________________________________________ Date: __/__/____ Time Stamp: __________
Receipt Number
1. POP Transaction Charges: Rs. 2. Tax as applicable: Rs.
3. Total Charges: Rs.
Signature/Stamp of Nodal Office/Place
Instructions for filling the Form
 The Government Subscribers shall use this form for Scheme Preference Change for Tier I and Tier II account.
 Nodal Office# refers to PAO/DTO/DTA or a POP/POP-SP.
 All fields mark with (*) are mandatory. All Dates should be in DDMMYYYY Format.
 For Tier I, the Subscribers shall submit the application to associated Nodal Office only.
 For Tier II, the Subscribers shall submit the application to associated Nodal Office or POP.
 For more details on scheme preference change, you may visit CRA website (www.npscra.nsdl.co.in).

Upto 50 75%
51 72.50%
52 70%
53 67.50%
54 65%
55 62.50%
56 60%
57 57.50%
58 55%
59 52.50%
60 & above 50%
Please note:
Form-ISS (Ver 1.4) Page 1
National Pension System (NPS) - Request for Subscriber Shifting

(Please fill all the details in CAPITAL LETTERS & in BLACK INK only. All fields / sections marked in * are mandatory.)
Section A - General Information* (Mandatory for all sector Subscribers. Please tick the respective block which is applicable.)
I) Subscriber’s Name *: _____________________________________________________________________________________________
(First Name) (Middle Name) (Last Name)
II) PRAN (Permanent Retirement Account Number) *:

III) Existing PRAN association (Refer Instruction No. I)
a) Sector: * Central Government State Government All Citizens of India (UOS) Corporate Sector
b) DDO / CBO / POP-SP Reg. No: *___________________________ DDO / CBO / POP-SP Name: *____________________________________________
IV) Target PRAN association (Refer Instruction No. II)
a) Sector: * Central Government State Government All Citizens of India (UOS) Corporate Sector
b) DDO / CBO / POP-SP Reg. No: *_______________________ DDO / CBO / POP-SP Name: *______________________________________
V) PAN
VI) Nomination Details* (Mandatory - You can nominate up to a maximum of 3 nominees and if you desire so please fill Additional Nomination
Form provided on Page 5&6. Please refer to Instruction No. VI.)
Nominee's Name: : _____________________________________________________________________________________________

Relationship with the Nominee: Date of Birth (In Case of Minor):

D D M M Y Y Y Y
Nominee’s Guardian Details (in case of a minor): ________________________________________________________________________

Section B - Additional information for Subscribers shifting to Government Sector
I. Employment Details (All Details are Mandatory):
[Subscriber's Employment Details to be filled and attested by DDO. Please refer to Instruction No. VII, VIII & IX]
a) Date of Joining: (dd/mm/yyyy) b) Date of Retirement: (dd/mm/yyyy)
c) Group of the Employee : A B C D
d) Office:
e) Department:
f) Ministry:
g) Basic Salary:
h) Pay Scale:
II. Scheme Preference Details: Please submit Subscriber Scheme Preference details on Page 4.
Certified that the above declaration has been signed / thumb impressed before me by _______________________________________________________
after he / she has read the entries / entries have been read over to him / her by me and got confirmed by him / her. Also certified that the employment details are as per
employee records available with the Department
Signature of the Authorised Person _________________________________________ Rubber Stamp of the DDO
Designation of the Authorised Person ____________________________ Name of the DDO____________________________
Date Department / Ministry__________________________

Section C - Additional information for Subscribers shifting to All Citizens of India (UOS) & Corporate Sector
I. Subscriber Scheme Preference*:
Do you wish to continue with the existing Pension Fund and Investment Option: Yes No (If ‘No, please submit details on Page 4)
 If Subscriber is shifting to Corporate sector, applicable only if the target Corporate has given the option of selecting scheme preference to
the associated employees.
 If Subscriber is shifting from Government Sector, please submit Subscriber Scheme Preference details on Page 4.
II. KYC details* (Applicable only if Subscriber is shifting from Government Sector. Refer Instruction No. X)
a) KYC document accepted for Identify Proof:_______________________________________
b) KYC document accepted for Address Proof : _____________________________________
c) Document accepted for Date of birth proof : _____________________________________
d) Existing Customer:
I/we hereby certify/confirm that Shri/Smt/Kum ................................................................................................ is an existing KYC verified customer.
The above applicant is having an operative Bank/Demat/Folio/............................. account (specify nature of the account) having account number/
client ID ............................... maintained at .................................. branch/office. The KYC documents available with us for this customer/client matches
the requirement for opening NPS account and are in compliance with PMLA Rules.
I/We further confirm that the Savings Bank a/c of Sh/Smt/Kum ................................................................................................ is not a ‘Basic Savings Bank
Deposit Account (applicable in case of Bank PoP).
III. Employment Details* (Applicable if Subscriber is shifting to Corporate Sector. To be verified by the Corporate Office of the Subscriber.)
a) Date of Joining*: b) Date of Retirement*:
D D M M Y Y Y Y D D M M Y Y Y Y
c) Employee ID*: d) CHO Reg No*:
Certified that the above declaration has been signed before me by _______________________________________________________
after he / she has read the entries / entries have been read over to him / her by me and got confirmed by him / her. Also certified that the employment details are as per
employee records available with the Corporate.
.
Signature of the Authorised Person __________________________________
Designation of the Authorised Person __________________________________ Rubber Stamp of the Corporate
Declaration (Applies to Subscribers across all sectors):
I agree to be bound by the terms and conditions for the target sector (in which my PRAN will belong after processing of this Intersector Shifting
request) and understand that CRA may, as approved by PFRDA, amend any of the services completely or partially without any new Declaration /
Undertaking being signed. Further, I agree to pay all the necessary charges, as applicable, of the target sector.
Date _______________ Signature/Left Thumb impression of Subscriber*________________________________________
For Office use only (To be filled up by the officer accepting the form)
Received by: ____________________________ Nodal Office Registration Number:
Received at:_____________________________ Date: ______________ Time Stamp _____________
Details verified by:__________________________ Date: ______________ Time stamp ________________
Receipt Number issued by the receiving office (only for POP-SP)

INSTRUCTIONS FOR FILLING THE FORM
I. Details of the DDO / CBO / POP-SP with which the PRAN is currently associated.
II. Details of the DDO / CBO / POP-SP with which the PRAN will be associated after shifting.
III. Please quote the correct PRAN and attach a copy of the PRAN card.
IV. This form is to be used by the Subscriber only.
V. Sector for 'Existing PRAN association' and 'Target PRAN association' can be the same only if a Subscriber is shifting from one State
Government to another State.
VI. In case of more than one nominee, percentage share value for all the nominees must be integer. Decimals/Fractional values shall not
be accepted in the nomination(s). Sum of percentage share across all the nominees must be equal to 100. If sum of percentage is not
equal to 100, entire nomination will be rejected.
VII. Employment details are to be captured in CRA system by the target PAO/DTO/DTA along with other details, if the Subscriber is
shifting from UOS to Central / State Government sector.
VIII.Nodal Office have to modify the employment details of the Subscriber after the shifting of the PRAN, in case of Subscriber Shifting
from Central Government to State Government or vice versa or across two State Governments, i.e, both existing and new PRAN
association are Government Sectors.
IX. On execution of Subscriber Shifting request, Nodal Office shall ensure that the Subscriber is FATCA compliant in the CRA system
(Applicable if subscriber is registered on/after July 1, 2014).
X. Illustrative list of documents acceptable as proof of identity and address.
Bank Pass book or certificate with photograph and residential
3 Bank Pass book or certificate with Photograph. 3
address
4 Certificate of the POP for an existing customer. 4 Certificate of the POP for an existing customer.
Letter from any recognized public authority at the level of Gazetted
Certificate of identity with photograph signed by a Member officer like District Magistrate, Divisional commissioner, BDO,
7 7
of Parliament or Member of Legislative Assembly Tehsildar, Mandal Revenue Officer, Judicial Magistrate etc.
Certificate of address with photograph signed by a Member of
8 PAN Card issued by Income tax department 8
Aadhar Card / letter issued by Unique Identification Aadhar Card / letter issued by Unique Identification Authority of India
9 9
Authority of India clearly showing the address
Job cards issued by NREGA duly signed by an officer of Job cards issued by NREGA duly signed by an officer of the State
10 10
the State Government Government
The identity card/document with address or letter of allotment of
Identity card issued by Central/State government and its
accomodation issued by any of the following: Central/State
Departments, Statutory/ Regulatory Authorities, Public
Government and its Departments, Statutory/Regulatory Authorities,
Sector Undertakings, Scheduled commercial Banks, Public
11 11 Public Sector Undertakings, Scheduled Commercial Banks, Financial
Financial Institutions, Colleges affiliated to universities and
Institutions and listed companises for their employees. Pension or
Professional Bodies such as ICAI, ICWAI, ICSI, Bar
Family Pension Payment Orders issued by Govt. Departments or PSU
Council etc.
containing address.
Photo. Identity Card issued by Defence, Paramilitary and Latest Electricity/water/piped gas bill in the name of the Subscriber /
12 12
Police department’s Claimant and showing the address (less than 2 months old)
Ex-Service Man Card issued by Ministry of Defence to Latest Telephone bill (landline & postpaid mobile) in the name of the
13 13
their employees. Subscriber / Claimant and showing the address (less than 2 months old)
Existing valid registered lease agreement of the house on stamp paper
15
( in case of rented/leased accommodation)
Note:
You are required to bring original documents & two self-attested photocopies for verification.
SUBSCRIBER SCHEME PREFERENCE:
(i). PENSION FUND SELECTION – (TIER I): Please read below conditions before opting for the choice of Pension Funds:
1. Government Sector: The following Pension Funds (PFs) will act jointly as default PFs, if choice is not exercised by the government employee/subscriber
(a) LIC Pension Fund Limited (b) SBI Pension Funds Pvt. Limited (c) UTI Retirement Solutions Ltd.
In case of Central Autonomous Bodies (CAB)/ State Government (SG)/State Autonomous Bodies (SAB) employees, selection made under this section needs to
be ignored, if choice to employees is not notified by the respective State Govt/Ministry.
2. All Citizens of India Sector: Subscribers have the option to choose the available PFs as per their choice in the table below.
3. Corporate Sector: Subscribers shall have the option to choose the available PFs as per the below table in consultation with their respective Employer.
Name of the Pension Fund (Please select only one) Default Choice of Pension Funds
Please Tick (√) only one

Available in Government sector, if
SBI Pension Funds Private Limited employee/subscriber does not exercise
choice of PF
* Selection of 01 Pension Fund is mandatory for All Citizens subscriber
(ii). INVESTMENT OPTION [Please Tick (√) in the box given below showing your investment option].
Please note:
3. In case you have opted for Auto Choice and fill up section (iii) below relating to Asset Allocation, the Asset Allocation instructions will be ignored and
investment will be made as per Auto Choice (LC 50).
(iii) ACTIVE CHOICE-ASSET ALLOCATION (To be filled up only in case you have selected ‘Active Choice’ the investment option)
Asset Class E C G A Total Note:1. Asset class E-Equity and related instruments; Asset class
(Cannot (Max up (Max up (Cannot C-Corporate debt and related instruments; Asset class G-
exceed 75%) to 100%) to 100%) exceed 5%) Government Bonds and related instruments; Asset Class A-
Alternative Investment Funds including instruments like CMBS,
Specify % 100% MBS, REITS, AIFs, Invlts. Etc.
Choices in Not In case of Government employee/subscriber the Active choice of Asset
Not available Available
Govt sector available Allocation is restricted to Asset Class 'G' only
Please note:
2. From 51 years and above, maximum permitted Equity Investment will be as per the equity allocation matrix provided in Annexure A. The tapering off of
equity allocation will be carried out as per the matrix on date of birth.
3. The total allocation across E, C, G and A asset classes must be equal to 100%. In case, the allocation is left blank and/or does not equal 100%, the
(iv) AUTO CHOICE OPTION (to be filled up only in case you have selected the ‘Auto Choice’ investment option. In case, you do not indicate a choice of
LC, your funds will be invested as per LC 50.)
Please Tick Choices in

Life Cycle (LC) Note:
(√) Only Govt sector
Funds 1. LC 75- It is the Life cycle fund where the Cap to Equity investments is 75% of the total asset
One
LC75 Not available 2. LC 50- It is the Life cycle fund where the Cap to Equity investments is 50% of the total asset
LC50
Available 4. Govt. employee can exercise Auto Choice of Asset Allocation for LC 25 & LC 50 only
LC25
Date: Place:
Name of Subscriber: ____________________________________________ (* LTI in case of male and RTI in case of females)
The details of nominees to whom the outstanding pension wealth of the Subscriber is payable in case of the demise of the Subscriber before entire
proceeds are withdrawn is to be provided hereunder (Please refer instruction no: VI). Also, please note that in case of demise of the Subscriber
after opting for deferred withdrawal, all the outstanding pension wealth present in the NPS account of the Subscriber shall be withdrawn upon
receiving the request and paid to the nominees as mentioned in this form and the same would be treated as full and final discharge of the
obligation.
I,____________________________________________________________________________hereby nominate the person(s) mentioned below

who is/are member(s)/ of my family to receive the amount in my PRAN account under National Pension System in the event of my death.
1. Name of the Nominee*:

___________________________________ ___________________________________ ____________________________________
___________________________________ ___________________________________ ____________________________________
___________________________________ ___________________________________ ____________________________________
2. Present Communication address of the Nominees*:
Address of 1st Nominee Address of 2nd Nominee Address of 3rd nominee

______________________________________________________________________________
_______________________ _______________________ ________________________
_________________________ _________________________ _________________________
3. Date of Birth* (Only in case of a minor. In DD/MM/YYYY):
1st Nominee: ____/_____/_________ 2nd Nominee: ____/_____/_________ 3rd Nominee: ____/_____/_________
4. Relationship with the Nominee*:

5. Percentage Share*:
1st Nominee __% 2nd Nominee __% 3rd Nominee __%

___________________________________ ___________________________________ ____________________________________
___________________________________ ___________________________________ ____________________________________
___________________________________ ___________________________________ ____________________________________

Dated this ________day of ___________ 20 at ____________
TO BE FILLED/ATTESTED BY POP-SP/DDO
Certified that the above declaration and nomination details has been signed / thumb impressed before me by
Sh/Smt/Ms._____________________________after he / she has read the entries / entries have been read over to him / her by me and got
confirmed by him / her.
Rubber stamp of the POP-SP/DDO Signature of the Authorised Person
POP-SP/DDO Registration Number___________________ Designation of the Authorised Person :____________________

(Allotted by CRA)
POP-SP/DDO Office Name _____________________
Date:_____________
TO BE FILLED/ATTESTED BY POP/POP SP/PAO/DTO/DTA/ POP/POP-SP/PAO/DTO/DTA/PrAO Registration Number

PrAO (Allotted by CRA): _____________________________
Rubber Stamp of the POP/POP-SP/PAO/DTO/DTA/PrAO
______________________________________________________
Annexure A to ISS Ver 1.4 Page 7

Upto 50 75%
51 72.50%
52 70%
53 67.50%
54 65%
55 62.50%
56 60%
57 57.50%
58 55%
59 52.50%
60 & above 50%
Please note:
2. From 51 years and above, maximum permitted Equity Investment will be as per the equity allocation matrix provided
above. The tapering off of equity allocation will be carried out as per the matrix on date of birth.
Ver 1.3

Exit from National Pension System Due to Premature Exit
Affix
Claim ID Acknowledgement No recent colour
To, photograph of
3.5 cm × 2.5 cm size /
NPS Trust. Passport size
Sir/Madam,
I hereby apply for the payment

of the accumulated pension wealth in my NPS Tier-I account as per the relevant provisions of the PFRDA (Exits and
withdrawals under NPS) Regulations, 2015 as amended.
Tier II:- The entire accumulated pension wealth in Tier II account would be paid along with lumpsum withdrawal of
Tier I account.
I herewith give below the necessary details:
Signature / Thumb Impression*
*In case of female right thumb Impression and in case of male left thumb Impression may be taken. of the Subscriber
Sr.No Particular Remarks
Section A - Subscriber’s Personal Details

Subscriber Sector* 1. Govt. Sector
2. All India citizens/corporate
3. NPS Lite / GDS
1. Organisation Name* (PAO/DTO/CHO/NLAO Name)
2. PRAN*
3. Full Name* First Middle Last
4. Subscriber Gender* Male Female
5. Father's Name* First Middle Last
6. Marital Status* Married Unmarried/Others
7. Maiden Name (In case of female married subscriber) First Middle Last
8. Spouse’s Name* (only if subscriber is married & spouse is alive) First Middle Last
9. Spouse Gender* (only if subscriber is married & spouse is alive) Male Female
10. Date of Resignation/Exit* DD / MM / YYYY
11. Date of Birth (As in PRAN Card)* DD / MM / YYYY
12. Aadhar/VID
13. PAN*
14. CKYC Number
15. Are you a Politically Exposed Person (PEP)* Yes No
16. Are you related to a Politically Exposed Person (PEP)* Yes No
17. Do you have any history of conviction under any criminal
proceedings in India or abroad?* Yes No
If Yes, please provide details

18. Contact details Mobile number* : +91
Alternate phone number :
E-mail ID* :
19. Subscriber’s full address with pin code*
(Please refer instruction No. 10 for documents to be submitted)
Section B - Subscriber’s Bank Details - (Please refer instruction No. 7)

20. Bank Account Number*# :
21. Bank Name*
22. Bank Branch Name and Address : The monthly pension and lump
sum amount would be deposited into this account and hence ll
in all the details carefully.*
23. IFSC Code (attach a cancelled cheque leaf or copy of bank
passbook /bank certicate containing IFSC code)*
Fields marked with * are mandatory. # Should be same where last salary credited in case of Government sector/Corporate sector subscribers
Section C - Subscriber’s withdrawal Details - (Please refer instruction No. 8)

Before attaining superannuation or attaining 60 / 65 years of age
a) Would you like to withdraw full amount (if less than or equal to 1 lakh) Yes No
or
b) Would you like to have normal Withdrawal (Lump sum & Annuity Withdrawal)# Yes No
# Please provide the Percentage of corpus that you wish to opt for lump sum withdrawals and purchase of annuity
% of corpus opted for lump sum withdrawal Percentage of corpus opted for purchase of Total (100%)
(Max 20%) annuity (Min 80%)
Ver 1.3
Section D - Subscriber’s Annuity Details (Please refer instruction No. 15 & 16) (Not to be lled in case of complete withdrawal)
Select Annuity Service Provider (please tick one of the below options as per your choice)
Canara HSBC Oriental Bank of HDFC Life Insurance Co. Ltd.
Commerce Life Insurance Co. Ltd. ICICI Prudential Life Insurance Co. Ltd.
IndiaFirst Life Insurance Co. Ltd. Kotak Mahindra Life Insurance Co. Ltd.
Life Insurance Corporation of India Max Life Insurance Co. Ltd.
SBI Life Insurance Co. Ltd. Star Union Dai-ichi Life Insurance Co. Ltd.
Date : DD / MM / YYYY * Signature/Thumb Impression of the Subscriber

*In case of female right thumb Impression and in case of male left thumb Impression may be taken
Section E - Subscriber’s Nomination Details*
Nomination Details: Applicable to those eligible sums as per regulations. Name :

Nominee must be immediate family member of subscriber (Spouse, Children Relationship : Percentage Share:
etc) in general except for exceptions as provided in Regulations. Date of Birth of Nominee (Only in case of minor) : DD / MM / YYYY
Guardian Name (Only in case of minor)
Guardian DOB (Only in case of minor)
Address & Contact Details :
Guardian Signature (Only in case of minor)

Name :
Relationship : Percentage Share:
Date of Birth of Nominee (Only in case of minor) : DD / MM / YYYY

Name :
Section F - Subscriber’s Family Member Details* (To be lled in case subscriber has selected Joint Life Policy or NPS-Family Income option)
Family Member Details for providing annuity as chosen by the subscriber.
Sr.No. Details Full Name Aadhar/VID PAN$ Date of Birth $

1. Spouse $
DD / MM / YYYY
2. Dependent Mother (if living) DD / MM / YYYY
3. Dependent Father (if living) DD / MM / YYYY
4. Child 1 (if living) DD / MM / YYYY
Note: In case of children being more than 3, please specify in an additional sheet.
Fields marked with* are mandatory.
$
Mandatory in case subscriber opts for Joint Life Policy & NPS-Family Income option
Ver 1.3
Declaration by the Subscriber
I I hereby declare and state that all the personal details provided by me in the form as above are true and correct to the best of my knowledge. I also agree that
NPS Trust / CRA shall not be held responsible/liable for any losses or delays that may arise due to provision of incorrect details including details pertaining to
bank account details provided by me. Further, I authorize the National Pension System Trust (NPST)/ CRA to share informations pertaining to my withdrawal
application with the Annuity Service Providers for facilitating the purchase of annuity in applicable cases as is required under NPS.
*In case of female right thumb Impression and in case of male left thumb Impression may be taken.
Declaration by the Proposer: (Not to be lled in case of complete withdrawal)

I hereby declare that the foregoing statements and informations have been given by me after fully understanding the questions and the annuity options and the
same are true, accurate and complete in every manner and that I have not withheld or omitted to give any material information. I understand and agree that the
statements in this proposal constitute warranties. I do hereby agree and declare that these statements and this declaration shall be the basis of the contract of
assurance between me and Annuity Service Provider (Company) and that if there be any misstatement or suppression of material information or if any untrue
statement is contained therein or in case of fraud by me, which comes to the knowledge of the company at any future point of time, the said contract shall be
treated as per provisions of Section 45 of the Insurance Act 1938 or any other applicable provisions as amended from time to time.
I also understand and agree that the company shall additionally levy or recover all the applicable taxes like service tax, surcharges, cess etc. from the
premiums which are necessitated by various enactments of central and/or state legislatures from time to time.
I understand that the contract will be governed by the provisions of the Insurance Act 1938, and other applicable laws in India and that the contract will not
commence until a written acceptance of this proposal is issued by the company and that the benets under the policy shall be subject to the terms and
conditions contained in the contract. I also agree that the amount held in proposal/policy deposit shall not earn any interest.
I further state that the product features and terms and conditions of the policy have been thoroughly explained to me and having understood, I consent to the
same.
I further understand that the nal annuity amount would be subject to the actual corpus value to be utilised for purchase of annuity at the time of its issuance.
I also acknowledge and agree that the funds will not be returned to me in case I choose to cancel the policy under free look period. These funds will be payable
by company directly to any other annuity scheme chosen by me which is authorized and approved under the prevalent regulations and applicable rules.
Further, no interest will be payable to me on the funds held during this transition period.
I hereby authorize company to send information and servicing related communication regarding this proposal or resulting policy through Email/SMS/Phone Call.
I hereby authorize the company to provide me/our details to banks, nancial institutions and third party service providers that the company may have tie-ups
with, for verication of proposal details and for servicing of policies.
Signature / Left thumb Impression of the

Signature of the witness Proposer
Afx a recent self signed

photograph
Name and Address of witness:
Place:
Date: DD / MM / YYYY
Declaration when Proposal form is filled by person other than proposer/proposer signs in a vernacular language/proposer is illiterate
(Not to be lled in case of complete withdrawal)
I hereby state that I have read out and explained the contents of this proposal form and all other I/We state that the product details, contents of
relevant documents to the proposer in language, he/she/they have this form and relevant documents have been
understood the same and agree to abide by the terms and conditions of the resulting policy and have fully explained to me/us and that I/We have fully
afxed his/her/their signature/thumb impression on the proposal form in my presence. understood them. I/We certify that the replies in
the proposal form have been recorded as per
the information provided by me/us.
Signature of the person
making the declaration
Name & Address

Proposer
Place Date: DD / MM / YYYY
Ver 1.3
Section G - Declaration & Attestation by Nodal Office

TO BE FILLED/ATTESTED BY DDO/PAO/POP-SP
1. I/we have veried the documents as submitted by the Subscriber with the originals and authorized this application for processing of the subject claim
of the subscriber. It is certied that the details as provided in this application form are matching with the information available in the ofcial record
maintained by us.The complete information provided in this form including declaration and nomination details have been provided by the Subscriber
Sh/Smt/Ms. after he / she having read the entries / entries
have been read over to him / her by me and got conrmed by him / her.
2. That all the contributions with respect to the Subscriber’s NPS contribution and employer contribution have been transferred in to the PRAN of the
subscriber and no further contributions are pending at Nodal Ofcer level. (only for government nodal ofce)
3. That Identity of the Subscriber is certied as provided in the withdrawal form above. The name of Subscriber as mentioned on the withdrawal form has
been veried and can be accepted as nal.
4. It is certied that the bank account (Salary Account) details provided in the form is as per the salary records maintained in our ofce. The bank account
details (salary account) of subscriber as provided in bank details section have been checked and veried and the same can be accepted for payment.
(only for government nodal ofce).
Rubber Stamp of the DDO/POP-SP/NLCC

DDO/POP-SP/NLCC Registration Number
Designation of the Authorised Person : DDO/POP-SP/NLCC Ofce Name:
Date D D / M M / Y Y Y Y
Rubber Stamp of the DTO/PAO/POP/Aggregator

DTO/PAO/POP/ Aggregator Registration Number
Designation of the Authorised Person : DTO/PAO/POP/ Aggregator Ofce Name:
[As per Regulation 3(b)/4(b)/5(b) of PFRDA (Exits and Withdrawals) under the Regulations, 2015]
(To be lled in case of complete withdrawal)
Request cum under taking form for withdrawal of total pension wealth before the age of superannuation and where the total pension wealth is
equal to or less than rupees 1,00,000/-.
I, S/D/W/o , aged about years,
residing at do hereby solemnly afrm and declare as under:
1. That I am a Subscriber of National Pension System, holding PRAN

2. That since the total amount receivable by me as the benet receivable upon exit from NPS is Rs. which is less than/equal to the limit of Rs. 1,00,000/-,
I understand that I am eligible to opt for withdrawal of the total pension wealth under NPS rules/guidelines,
Basing on the above, I hereby opt to withdraw my complete pension wealth lying to my credit in my aforesaid PRAN account being the full and nal
benets receivable by me.
I also understand that with the aforesaid withdrawal, I or my family members shall not be entitled to receive any other or further benets under the National
Pension System (NPS) including the benets as provided under PFRDA (Exits and Withdrawals under the National Pension System) Regulations 2015.
Date : DD / MM / YYYY
Place : * Signature/Thumb Impression of the Subscriber
*In case of female right thumb impression and in case of male left thumb impression may be taken.
Rubber Stamp of the DDO/POP-SP/ NLCC Signature of the DDO/POP-SP/ NLCC Registration No. of DDO/POP-SP/ NLCC
Rubber Stamp of the Signature of the Registration No. of

DTO/PAO/POP/Aggregator DTO/PAO/POP/Aggregator DTO/PAO/POP/ Aggregator
Ver 1.3
INSTRUCTIONS FOR FILLING UP THE FORM

This application should be filled by the Subscriber seeking to withdraw pension wealth on account of
Pre-Mature withdrawal
General Instructions: 9. For details of Annuity options and Annuity Service Providers, please read
1. As per NPS Trust directive, Withdrawal of benets from NPS account instructions No. 15.
will not be allowed if NPS subscribers registered on or after July 1, 2014 10. List of documents acceptable as Proof Identity and Address for exit under
are NOT FATCA compliant. Hence, subscribers are requested to provide NPS (for all variants):-
FATCA Self-Certication online by log-in to NPS Account (www.cra-nsdl.
com). Alternatively subscriber can submit FATCA Self Certication to their Sl. Proof of Identity (Copy of Proof of Address (Copy of
Nodal Ofce. No. any one of the given below any one of the given below
documents) documents)
2. As per amendments made under Prevention of Money-Laundering
(Maintenance of Records) Second Amendment Rules, 2017, Withdrawal a Passport issued by Government Passport issued by Government
of benets from NPS account will not be allowed if Aadhaar and PAN are of India. of India.
not seeded into PRAN. Subscribers are requested to seed their Aadhaar b Ration Card with Photograph. Ration card with photograph and
and PAN into NPS account before initiating withdrawal request residential address.
(Aadhaar not mandatory till Hon’ble supreme court order)
c Bank pass book or Certicate Bank Pass book or certicate
3a. It is advisable that subscriber lls in the Exit/Withdrawal form online with Photograph with photograph and residential
and takes a print out of online form and submits it to the nodal address.
ofce/POP along with KYC document for further approval/processing.
d Voters Identity card with Voters Identity card with
However, he/she has the option to submit the physical form to his nodal
photograph and residential photograph and residential
ofce/POP. The nodal ofce has to compulsorily submit the form in online
address. address.
mode only. Physical forms submitted to CRA will not be processed.
3b. Subscriber (other than government sector & Corporate) has an option to e Valid Driving license with Valid Driving license with
initiate a self-authorization using Aadhaar. This facility will be available photograph. photograph and residential
only if the NPS pension wealth is below threshold limit as prescribed address.
in PFRDA (Exits and Withdrawals under National Pension System) f PAN Card issued by income tax Letter from any recognized public
Regulation 2015 or circular issued by the authority. department. authority at the level of Gazetted
4. All the columns in the form should be lled with black ink pen without any ofcer like District Magistrate,
overwriting. Divisional Commissioner, BDO,
Tehsildar, Mandal Revenue
5. Fields marked with (*) are mandatory.
Ofcer, Judical Magistrate etc.
6. Correct postal address, including the pin code should be provided.
g Certicate of identify with Certicate of address with
7. Documents to be enclosed with withdrawal application form:
photograph signed by a Member photograph signed by a Member
i. Copy of the Address proof attested by the Nodal ofce in support of Parliament or Member of of Parliament or member of
of the address provided on the withdrawal form. The address on the Legislative Assembly. Legislative Assembly.
withdrawal form should match with address present on the address
h Aadhar Card/letter issued by Aadhar Card/letter issued by
proof.
Unique identication Authority of Unique identication Authority
ii. Copy of the Identity proof attested by Nodal Ofce. India. of India. Clearly showing the
iii. Copy of PRAN card (Not required in case of Government Sector address.
Subscriber) If Copy of PRAN Card is not available, print out of i Job Cards issued by NREGA duly Job Cards issued by NREGA duly
ePRAN or submit a duly notarized Afdavit as to the reasons of
signed by an Ofcer signed by an Ofcer
non-submission of the PRAN card.
of the State Government. of the State Government.
iv. Cancelled cheque (containing Subscriber Name, Bank Account
j Photo Identity card issued by Latest Electricity/Water bill in the
Number and IFS Code) or Bank Certicate/ Bank Passbook
Defence, Paramilitary and Police name of the subscriber / Claimant
Containing Name, Bank Account Number and IFSC code, for direct
Departments. and showing the address (Less
credit or electronic transfer.
than 6 months old).
8. Withdrawal preference:
k Ex-Service Man Card issued Latest Telephone bill in the name
i. Select the Withdrawal preference as Normal withdrawal or Complete by Ministry of Defence to their of the subscriber/ Claimant and
Withdrawal (if accumulated NPS wealth is less than or equal to
employees. showing the address (less than 6
Rs. 1 lakh).
months old).
ii. If subscriber selects the Normal withdrawal option, he/she needs
l Photo credit Card. Latest property/house Tax
to ll up percentage of allocation for amount to be withdrawn as
Receipt (not more than one year
Lump- sum and amount to purchase life annuity provided under
old).
Section C of the Form.
m – Existing Valid registered lease
iii. In case of percentage of withdrawal is not provided by the subscriber,
a default 20% of the accumulated pension wealth shall be paid as agreement of the house on stamp
lump sum to the subscriber and rest 80% of the amount shall be paper (in case agreement of the
utilised for annuity purchase.The subscriber needs to mandatorily house on stamp paper (in case of
provide the Annuity details under Section D - Annuity Details, in case rented/leased accommodation).
of Normal withdrawal. n Identity card issued by The identity card/document with
iv. The subscriber availing the complete withdrawal option (where the Central /State government address, issued by any of the
accumulated amount is less than Rs. 1 lakh) shall leave the Annuity and its Departments, Statuary following:
Details section and Subscriber Family Member Details blank and ll Regulatory Authorities, Public Central/State Government
up Request Cum Undertaking Form provided along with the Form. Sector Undertakings, Scheduled and its Departments, Statuary/
Commercial Banks, Public Regulatory Authorities, Public
v. If the accumulated pension wealth of the subscriber is more than
Financial Institutions, Colleges Sector Undertakings, Schedules
one lakh rupees but the age of the subscriber is less than the
minimum age required for purchasing any annuity from any of the afliated to Universities and Commercial Banks, Public
empanelled annuity service providers as chosen by such subscriber, Professional Bodies such as Financial Institution for their
such subscriber shall continue to subscribe to the National Pension ICAI, ICWAI, ICSI, Bar Council Employees.
System, until he or she attains the age of eligibility for purchase of etc.
any annuity
Ver 1.3
11. The subscriber needs to provide his/her complete bank details like name The following are the variants that are available in India and with most of the
of the bank, branch, complete address of branch, account type and IFSC ASPs. Subscriber needs to select any of the below mentioned option on the
otherwise the form may get rejected by CRA. Please make sure there withdrawal form:
is no cutting attempt on this section. The lump sum payment shall be 1. Annuity for life - On death of the annuitant, payment of annuity ceases
directly credited to the bank account of the subscriber through electronic 2. Annuity for life with return of purchase price on death - On death
mode of payment. of the annuitant, payment of annuity ceases and the purchase price is
If there is any change in Bank Details and Address details, subscribers returned to the nominee
are requested to update the same in CRA records prior to initiation of 3. Annuity payable for life with 100% annuity payable to spouse on
online withdrawal request. At the time of initiation of online withdrawal death of annuitant - On death of the annuitant, annuity is paid to the
request, updation of Bank Details and Address Details is not allowed. spouse during his/her life time. If the spouse predeceases the annuitant,
payment of annuity will cease after the death of the annuitant.
12. Subscriber of All Citizen model (including corporate sector) has to be part
of NPS for atleast 10 years as per Regulation 4 (b) of the PFRDA (Exits 4. Annuity payable for life with 100% annuity payable to spouse on
and Withdrawal under National Pension System) Regulation 2015. death of annuitant with return on purchase of annuity - On death of
the annuitant, annuity is paid to the spouse during his/her life time and
13. Subscriber of NPS Lite seeking to withdraw pension wealth benets before purchase price is returned to the nominee after the death of the spouse.
attaining the age of 60 years should be subscribing to the NPS for at least If the spouse predeceases the annuitant, payment of annuity will cease
25 years as per Regulation 5 (b) of the PFRDA (Exits and Withdrawal after the death of the annuitant and purchase price is paid to the nominee.
under National Pension System) Regulation 2015. This Condition does Note:
not apply to subscriber who have not received swavalamban credit. Please note the exit from NPS and purchase of annuity from empanelled
14. The nodal ofce after verifying the completeness of the Withdrawal ASP are two separate processes. It is mandatory for subscribers to purchase
Form and supporting documents in all respects after signature/thumb annuity scheme from Annuity Service Providers (ASP) empanelled by
impression of subscriber and declaration and attestation of the authorized PFRDA. Post receipt of the form by ASP and completely satisfying themselves
person at nodal ofce shall send at below mentioned address for record of completeness of the form and KYC requirements, annuity shall be issued
keeping within 90 days from the date of approval: to subscriber.
NPS Claims Processing Cell, The more details on the availability of particular annuity scheme with an ASP
Central Record Keeping Agency, and annuity quotes etc. are available on the CRA’s website as per link below:
NSDL e-Governance Infrastructure Ltd, www.npscra.nsdl.co.in/annuity-service-providers.php
1st Floor, Times Tower, ASP Scheme Details and Annuity Selection Matrix may change. Please
Kamala Mills Compound, visit CRA website before lling Annuity Details. The list of empanelment of
Senapati Bapat Marg, Lower Parel, ASPs may undergo changes depending upon new empanelment of ASPs by
Mumbai - 400013. PFRDA from time to time.
16. Default Annuity Scheme (for Government Sector subscriber only)
15. Annuity Service Providers The subscriber upon exit from NPS shall have to purchase annuity with a
There are 9 Annuity Service Providers empanelled by PFRDA for providing minimum of 80% of the accumulated pension wealth which shall provide for
the annuity services to NPS subscribers as per the list provided below (Name
annuity for life of the subscriber and his or her spouse (if any) with provision
of the ASPs are given in an alphabetical order).
for return of purchase price of the annuity and upon the demise of such
subscriber, the annuity be re-issued to the family members in the order
Name of the ASPs, minimum age and minimum corpus required for annuity
specied hereunder at a premium rate prevalent at the time of purchase of
purchase
such annuity by utilizing the purchase price required to be returned under the
Annuity Service Provider Name
Minimum Minimum annuity contract (until all the family members in the order specied below are
Age Corpus (Rs.) covered) :
Canara HSBC Oriental Bank of 2,25,000 (a) living dependent mother of the deceased subscriber;
45
Commerce Life Insurance Co. Ltd. (b) living dependent father of the deceased subscriber.
HDFC Life Insurance Co. Ltd. 20 Any Amount After the coverage of all the family members specied above, the purchase
ICICI Prudential Life Insurance Co Ltd 30 Any Amount price shall be returned to the surviving children of the subscriber and in the
absence of children, the legal heirs of the subscriber, as may be applicable.
IndiaFirst Life Insurance Co. Ltd. 40 10,000
However, the subscriber who does not wish to opt default option mentioned
Kotak Mahindra Life Insurance Co. Ltd. 45 2,08,000 above and wishes to choose the annuity contract of his choice from the
Life Insurance Corporation of India 30 50,000 available annuity types or contracts with the annuity service providers may
choose an option as mentioned under instruction no.15 above.
Max Life Insurance Co. Ltd. 50 2,50,000
SBI Life Insurance Co. Ltd. 18 50,000
Star Union Dai-ichi Life Insurance Co. Ltd 45 1,00,000
Ver 1.3

Exit from National Pension System Due to Superannuation/Incapacitation
Claim ID Acknowledgement No Affix

recent colour
To, photograph of
NPS Trust. 3.5 cm × 2.5 cm size /
Passport size
Sir/Madam,
I hereby apply for the payment

of the accumulated pension wealth in my NPS Tier-I account as per the relevant provisions of the PFRDA (Exits and
withdrawals under NPS) Regulations, 2015 as amended.
Tier II:- The entire accumulated pension wealth in Tier II account would be paid along with lumpsum withdrawal of
Tier I account.
I herewith give below the necessary details:
Signature / Thumb Impression*

*In case of female right thumb Impression and in case of male left thumb Impression may be taken. of the Subscriber
Sr.No Particular Remarks

Section A - Subscriber’s Personal Details
1. Govt. Sector
Subscriber Sector* 2. All India citizens/corporate
3. NPS Lite / GDS
Organisation Name* (PAO/DTO/CHO/NLAO Name)
1.
2. PRAN*
3. Full Name* First Middle Last
4. Subscriber Gender* Male Female
5. Father's Name* First Middle Last
6. Marital Status* Married Unmarried/Others
7. Maiden Name (In case of female married subscriber) First Middle Last
8. Spouse’s Name* (only if subscriber is married & spouse is alive) First Middle Last
9. Spouse Gender* (only if subscriber is married & spouse is alive) Male Female
Date of Retirement / attaining 60 / 65 years of age / Discharge
10. DD / MM / YYYY
(In case of Incapacitation)*
11. Date of Birth (As in PRAN Card)* DD / MM / YYYY
12. Aadhar/VID
13. PAN*
14. CKYC Number
15. Are you a Politically Exposed Person (PEP)* Yes No
16. Are you related to a Politically Exposed Person (PEP)* Yes No
Do you have any history of conviction under any criminal
proceedings in India or abroad?* Yes No
17.
If Yes, please provide details
Mobile number* : +91
18. Contact details Alternate phone number :
E-mail ID* :
Subscriber’s full address with pin code*
19.
(Please refer instruction No. 9 for documents to be submitted)
Section B - Subscriber’s Bank Details - (Please refer instruction No. 7)

20. Bank Account Number*# :
21. Bank Name*
Bank Branch Name and Address : The monthly pension and lump
22. sum amount would be deposited into this account and hence ll in
all the details carefully.*
IFSC Code (attach a cancelled cheque leaf or copy of bank
23.
passbook/bank certicate containing IFSC code)*
Fields marked with * are mandatory. # Should be same where last salary credited in case of Government sector/Corporate sector subscribers
Section C - Subscriber’s Withdrawal Details - (Please refer instruction No. 8)

On attaining superannuation or attaining 60 / 65 years of age or superannuation due to Incapcitation
a) Would you like to withdraw full amount (if less than or equal to 2 Lakh/1 Lakh (NPS Lite)) Yes No
or
b) Would you like to have normal Withdrawal (Lump sum & Annuity Withdrawal )# Yes No
or
c) Would you like to opt for Withdrawal of Deferred Corpus : #
Yes No
Lump Sum Withdrawal Annuity Withdrawal
or
d) Would you like to opt for Phase withdrawal : Yes No
Enter Withdrawal amount Withdraw total holdings
#
Please provide the Percentage of corpus that you wish to opt for lump sum withdrawals and purchase of annuity
% of corpus opted for lump sum withdrawal Percentage of corpus opted for purchase of Total (100%)
(Max 60%) annuity (Min 40%)
Ver 1.3
Section D - Subscriber’s Annuity Details - (Please refer instruction No. 12 & 13) (Not to be lled in case of complete withdrawal, Withdrawal
of Deferred Lump Sum Corpus & phase withdrawal)
Select Annuity Service Provider (please tick one of the below options as per your choice)
Canara HSBC Oriental Bank of HDFC Life Insurance Co. Ltd.
Commerce Life Insurance Co. Ltd. ICICI Prudential Life Insurance Co. Ltd.
IndiaFirst Life Insurance Co. Ltd. Kotak Mahindra Life Insurance Co. Ltd.
Life Insurance Corporation of India Max Life Insurance Co. Ltd.
SBI Life Insurance Co. Ltd. Star Union Dai-ichi Life Insurance Co. Ltd.
*In case of female right thumb Impression and in case of male left thumb Impression may be taken
Section E - Subscriber’s Nomination Details*

Nomination Details: Applicable to those eligible sums as per regulations. Name :
Nominee must be immediate family member of subscriber (Spouse, Relationship : Percentage Share:
Children etc) in general except for exceptions as provided in Regulations.

Name :

Name :
Section F - Subscriber’s Family Member Details* (To be lled in case subscriber has selected Joint Life Policy or NPS-Family Income option)
Family Member Details for providing annuity as chosen by the subscriber.
Sr.No Details Full Name Aadhar/VID PAN$ Date of Birth$
1. Spouse$ DD / MM / YYYY
2. Dependent Mother (if living) DD / MM / YYYY
3. Dependent Father (if living) DD / MM / YYYY
Note: In case of children being more than 3, please specify in an additional sheet.
Fields marked with* are mandatory.
$
Mandatory in case subscriber opts for Joint Life Policy & NPS-Family Income option.
Ver 1.3
Declaration by the Subscriber
I hereby declare and state that all the personal details provided by me in the form as above are true and correct to the best of my knowledge. I also agree
that NPS Trust / CRA shall not be held responsible/liable for any losses or delays that may arise due to provision of incorrect details including details
pertaining to bank account by me. Further, I authorize the National Pension System Trust (NPST)/ CRA to share informations pertaining to my withdrawal
application with the Annuity Service Providers for facilitating the purchase of annuity in applicable cases as is required under NPS.

Declaration by the Proposer: (Not to be lled in case of complete withdrawal, Withdrawal of Deferred Lump Sum Corpus & phase withdrawal)
I hereby declare that the foregoing statements and informations have been given by me after fully understanding the questions and the annuity options and
the same are true, accurate and complete in every manner and respects and that I have not withheld or omitted to give any material information. I understand
and agree that the statements in this proposal constitute warranties. I do hereby agree and declare that these statements and this declaration shall be the
basis of the contract of assurance between me and Annuity Service Provider (Company) and that if there be any misstatement or suppression of material
information or if any untrue statement is contained therein or in case of fraud by me, which comes to the knowledge of the company at any future point of time,
the said contract shall be treated as per provisions of Section 45 of the Insurance Act 1938 or any other applicable provisions as amended from time to time.
I also understand and agree that the company shall additionally levy or recover all the applicable taxes like service tax, surcharges, cess etc. from the
premiums which are necessitated by various enactments of central and/or state legislatures from time to time.
I understand that the contract will be governed by the provisions of the Insurance Act 1938, and other applicable laws in India and that the contract will not
commence until a written acceptance of this proposal is issued by the company and that the benets under the policy shall be subject to the terms and
conditions contained in the contract. I also agree that the amount held in proposal/policy deposit shall not earn any interest.
I further state that the product features and terms and conditions of the policy have been thoroughly explained to me and having understood, I consent to
the same.
I further understand that the nal annuity amount would be subject to the actual corpus value to be utilised for purchase of annuity at the time of its issuance.
I also acknowledge and agree that the funds will not be returned to me in case I choose to cancel the policy under free look period. These funds will be
payable by company directly to any other annuity scheme chosen by me which is authorized and approved under the prevalent regulations and applicable
rules. Further, no interest will be payable to me on the funds held during this transition period.
I hereby authorize company to send information and servicing related communication regarding this proposal or resulting policy through Email/SMS/Phone
Call.
I hereby authorize the company to provide me/our details to banks, nancial institutions and third party service providers that the company may have tie-ups
with, for verication of proposal details and for servicing of policies.

Signature of the witness Proposer
Afx a recent self signed

photograph
Name and Address of witness:
Place:
Date: DD / MM / YYYY
Declaration when Proposal form is filled by person other than proposer/proposer signs in a vernacular language/proposer is illiterate
(Not to be lled in case of complete withdrawal, Withdrawal of Deferred Lump Sum Corpus & phase withdrawal)
I hereby state that I have read out and explained the contents of this proposal form and all other I/We state that the product details, contents of
relevant documents to the proposer in language, he/she/they have this form and relevant documents have been
understood the same and agree to abide by the terms and conditions of the resulting policy and have fully explained to me/us and that I/We have fully
afxed his/her/their signature/thumb impression on the proposal form in my presence. understood them. I/We certify that the replies in
the proposal form have been recorded as per
the information provided by me/us.
Signature of the person

making the declaration
Name & Address

Proposer
Place Date: DD / MM / YYYY

Ver 1.3
Section G - Declaration & Attestation by Nodal Office

TO BE FILLED/ATTESTED BY DDO/PAO/POP-SP
1. I/we have veried the documents as submitted by the Subscriber with the originals and authorized this application for processing of the subject claim
of the subscriber. It is certied that the details as provided in this application form are matching with the information available in the ofcial record
maintained by us.The complete information provided in this form including declaration and nomination details have been provided by the Subscriber
Sh/Smt/Ms. after he / she having read the entries / entries have been
read over to him / her by me and got conrmed by him / her.
2. That all the contributions with respect to the Subscriber’s NPS contribution and employer contribution have been transferred in to the PRAN of the
subscriber and no further contributions are pending at Nodal Ofcer level. (only for government nodal ofce)
3. That Identity of the Subscriber is certied as provided in the withdrawal form above. The name of Subscriber as mentioned on the withdrawal form has
been veried and can be accepted as nal.
4. It is certied that the bank account (Salary Account) details provided in the form is as per the salary records maintained in our ofce. The bank account
details (salary account) of subscriber as provided in bank details section have been checked and veried and the same can be accepted for payment.
(only for government nodal ofce).
5. We hereby certify that the subscriber has been discharged from the services of the concerned ofce on account of invalidation or disability (in case of
Govt. Subscriber). We hereby certify that we have checked Disability Certicate issued by Government Surgeon or Doctor stating the nature and extent
of disability (in case of Non Govt. Subscriber) [applicable in case of Withdrawal due to incapacitation only]
Rubber Stamp of the DDO/POP-SP/NLCC

DDO/POP-SP/NLCC Registration Number

Designation of theAuthorised Person : DDO/POP-SP/NLCC Ofce Name:
Rubber Stamp of the DTO/PAO/POP/Aggregator

DTO/PAO/POP/ Aggregator Registration Number
Designation of the Authorised Person : DTO/PAO/POP/ Aggregator Ofce Name:
[As per Regulation 3(a)/4(a)/5(a) of PFRDA (Exits and Withdrawals) under the Regulations, 2015]
(To be lled in case of complete withdrawal)
Request cum under taking form for withdrawal of total pension wealth at superannuation and where the total pension wealth is equal to or less
than Rs. 2,00,000/- for NPS subscriber and Rs. 1,00,000/- in case of NPS lite Subscriber respectively
I, S/D/W/o , aged about years,
residing at do hereby solemnly afrm and declare as under:
1. That I am a Subscriber of National Pension System, holding PRAN

2. That since the total amount receivable by me as the benet receivable upon exit from NPS is Rs. which is less than/equal to the limit of Rs. 2,00,000/-
(Rs. 1,00,000/- for NPS Lite), I understand that I am eligible to opt for withdrawal of the total pension wealth under NPS rules/guidelines,
Basing on the above, I hereby opt to withdraw my complete pension wealth lying to my credit in my aforesaid PRAN account being the full and nal
benets receivable by me.
I also understand that with the aforesaid withdrawal, I or my family members shall not be entitled to receive any other or further benets under the National
Pension System (NPS) including the benets as provided under PFRDA (Exits and Withdrawals under the National Pension System) Regulations 2015.
I also certify that all the details provided in the form above are true and correct to the best of my knowledge
Rubber Stamp of the DDO/POP-SP/ NLCC Signature of the DDO/POP-SP/ NLCC Registration No. of DDO/POP-SP/ NLCC
Rubber Stamp of the Signature of the Registration No. of

DTO/PAO/POP/Aggregator DTO/PAO/POP/Aggregator DTO/PAO/POP/ Aggregator
Ver 1.3
INSTRUCTIONS FOR FILLING FORM

This application should be filled by the Subscriber seeking to withdraw pension wealth benefits upon
Superannuation or attaining 60 / 65 years of age
General Instructions: Government Sector subscribers)
1. As per NPS Trust directive, Withdrawal of benets from NPS account ix. During deferment period, the account maintenance charges and
will not be allowed if NPS subscribers registered on or after July 1, 2014 including the charges payable to Central Record Keeping Agency,
are NOT FATCA compliant. Hence, subscribers are requested to provide Pension Fund, Trustee Bank and any other intermediary shall
FATCA Self-Certication online by log-in to NPS Account (www.cra-nsdl. continue to apply and shall be charged by deducting units from the
com). Alternatively subscriber can submit FATCA Self Certication to their account
Nodal Ofce. x. In case of Phased Withdrawal, Subscriber needs to purchase Annuity
2. As per amendments made under Prevention of Money-Laundering rst
(Maintenance of Records) Second Amendment Rules, 2017, Withdrawal xi. For more details of Annuity options, please refer to Instructions No. 12
of benets from NPS account will not be allowed if Aadhaar and PAN are
not seeded into PRAN. Subscribers are requested to seed their Aadhaar 9. List of documents acceptable as Proof Identity and Address for exit under
and PAN into NPS account before initiating withdrawal request NPS (for all variants):-
(Aadhaar not mandatory till Hon’ble supreme court order) Sl. Proof of Identity (Copy of Proof of Address (Copy of
3a. It is advisable that subscriber lls in the Exit/Withdrawal form online No. any one of the given below any one of the given below
and takes a print out of online form and submits it to the nodal documents) documents)
ofce/POP along with KYC document for further approval/processing. a Passport issued by Government Passport issued by Government
However, he/she has the option to submit the physical form to his nodal
ofce/POP. The nodal ofce has to compulsorily submit the form in online of India. of India.
mode only. Physical forms submitted to CRA will not be processed. b Ration Card with Photograph. Ration card with photograph and
3b. Subscriber (other than government sector & Corporate) has an option to residential address.
initiate a self-authorization using Aadhaar. This facility will be available c Bank pass book or Certicate Bank Pass book or certicate
only if the NPS pension wealth is below threshold limit as prescribed with Photograph with photograph and residential
in PFRDA (Exits and Withdrawals under National Pension System) address.
Regulation 2015 or circular issued by the authority. d Voters Identity card with Voters Identity card with
4. All the columns in the form should be lled with black ink pen without any photograph and residential photograph and residential
overwriting. address. address.
5. Fields marked with (*) are mandatory. e Valid Driving license with Valid Driving license with
6. Correct postal address, including the pin code should be provided. photograph. photograph and residential
7. Documents to be enclosed with withdrawal application form: address.
f PAN Card issued by income tax Letter from any recognized public
i. Copy of the Address proof attested by the Nodal Ofce in support
of the address provided on the withdrawal form. The address on the department. authority at the level of Gazetted
withdrawal form should match with address present on the address ofcer like District Magistrate,
proof. Divisional Commissioner, BDO,
ii. Copy of the Identity proof attested by the Nodal Ofce. Tehsildar, Mandal Revenue
Ofcer, Judical Magistrate etc.
iii. Copy of PRAN card (Not required in case of Government Sector
Subscriber)If Copy of PRAN Card is not available, print out of g Certicate of identify with Certicate of address with
ePRAN or submit a duly notarized Afdavit as to the reasons of non- photograph signed by a Member photograph signed by a Member
submission of the PRAN card. of Parliament or Member of of Parliament or member of
iv. Cancelled cheque (containing Subscriber Name, Bank Account Legislative Assembly. Legislative Assembly.
Number and IFS Code) or Bank Certicate/ Bank Passbook h Aadhar Card/letter issued by Aadhar Card/letter issued by
Containing Name, Bank Account Number and IFSC code, for direct Unique identication Authority of Unique identication Authority
credit or electronic transfer. India. of India. Clearly showing the
8. Withdrawal preference: address.
i. Select the Withdrawal preference as Normal withdrawal or Complete i Job Cards issued by NREGA duly Job Cards issued by NREGA duly
Withdrawal (if accumulated NPS wealth is less than or equal to Rs. 2 signed by an Ofcer of the State
lacs/Rs. 1 lacs (For NPS Lite Subscribers)). Government. signed by an Ofcer
ii. If subscriber selects the Normal withdrawal option, he/she needs to
ll up percentage of allocation for amount to be withdrawn as Lump- of the State Government.
sum and amount to purchase life annuity provided under Section C j Photo Identity card issued by Latest Electricity/Water bill in the
the Form. Defence, Paramilitary and Police name of the subscriber / Claimant
iii. If subscriber selects deferred withdrawal option, he/she can defer the Departments. and showing the address (Less
lump sum withdrawal amount up to 70 years of age while annuity than 6 months old).
purchase can be deferred up to 3 years from the date of attainment k Ex-Service Man Card issued Latest Telephone bill in the name
of superannuation. In case of deferment as well, the subscriber
needs to ll up percentage of allocation for amount to be withdrawn by Ministry of Defence to their of the subscriber/ Claimant and
as Lump-sum and amount to purchase life annuity provided under employees. showing the address (less than 6
Section C of the Form. months old).
iv. In case of percentage of withdrawal is not provided by the subscriber, l Photo credit Card. Latest property/house Tax
a default 60% of the accumulated pension wealth shall be paid as Receipt (not more than one year
lump sum to the subscriber and rest 40% of the amount shall be old).
utilised for annuity purchase. m – Existing Valid registered lease
v. The subscriber needs to provide the Annuity details under Section agreement of the house on stamp
D-Annuity Details, in case of Normal withdrawal or Deferred paper (in case agreement of the
withdrawal. The selection of Annuity scheme and Annuity Service house on stamp paper (in case of
Provider is mandatory. rented/leased accommodation).
vi. The subscriber availing the complete withdrawal option (where the n Identity card issued by The identity card/document with
accumulated amount at superannuation is less than Rs. 2 lacs/ Central /State government address, issued by any of the
Rs.1 lacs (For NPS Lite Subscribers)) shall leave the Annuity Details
and its Departments, Statuary following:
section and Subscriber Family Member Details section blank and ll
up Request Cum Undertaking Form provided along with the Form. Regulatory Authorities, Public
Sector Undertakings, Scheduled Central/State Government
vii. In case of death of subscriber during deferment period of annuity
Commercial Banks, Public and its Departments, Statuary/
purchase, the deferred amount shall be paid as per PFRDA (Exits
and Withdrawal under National Pension System) Regulation, 2015 Financial Institutions, Colleges Regulatory Authorities, Public
afliated to Universities and Sector Undertakings, Schedules
viii. In case of death of subscriber during deferment period of annuity
purchase, the annuity shall be purchased by the spouse as Professional Bodies such as Commercial Banks, Public
dened under Regulation 3(a) (iii)PFRDA (Exits and Withdrawal ICAI, ICWAI, ICSI, Bar Council Financial Institution for their
under National Pension System) Regulation, 2015 (applicable for etc. Employees.
Ver 1.3
10. The subscriber needs to provide his/her complete bank details like name The following are the variants that are available in India and with most of the
of the bank, branch, complete address of branch, account type and ASPs. Subscriber needs to select any of the below mentioned option on the
IFSC otherwise the form may get rejected by CRA. Please make sure page 1 of the withdrawal form:
there is no cutting attempt on this section. The lump sum payment 1. Annuity for life - On death of the annuitant, payment of annuity ceases
shall be directly credited to the bank account of the subscriber through
electronic mode of payment. 2. Annuity for life with return of purchase price on death - On death of
the annuitant, payment of annuity ceases and the purchase price is returned
If there is any change in Bank Details and Address details, subscribers to the nominee.
are requested to update the same in CRA records prior to initiation of
online withdrawal request. At the time of initiation of online withdrawal 3. Annuity payable for life with 100% annuity payable to spouse on
request, updation of Bank Details and Address Details is not allowed. death of annuitant - On death of the annuitant, annuity is paid to the spouse
during his/her life time. If the spouse predeceases the annuitant, payment of
11. The nodal ofce after verifying the completeness of the Withdrawal annuity will cease after the death of the annuitant.
Form and supporting documents in all respects after signature/thumb
impression of subscriber and declaration and attestation of the authorized 4. Annuity payable for life with 100% annuity payable to spouse on
person at nodal ofce shall send at below mentioned address for record death of annuitant with return on purchase of annuity - On death of the
keeping within 90 days from the date of approval: annuitant, annuity is paid to the spouse during his/her life time and purchase
price is returned to the nominee after the death of the spouse. If the spouse
NPS Claims Processing Cell, predeceases the annuitant, payment of annuity will cease after the death of
Central Record Keeping Agency, the annuitant and purchase price is paid to the nominee.
NSDL e-Governance Infrastructure Ltd, Note:
1st Floor, Times Tower,
Kamala Mills Compound, Senapati Bapat Marg, Please note the exit from NPS and purchase of annuity from empanelled
Lower Parel, Mumbai - 400013. ASP are two separate processes. It is mandatory for subscribers to purchase
annuity scheme from Annuity Service Providers (ASP) empanelled by
12. Annuity Service Providers PFRDA. Post receipt of the form by ASP and completely satisfying themselves
of completeness of the form and KYC requirements, annuity shall be issued
There are 9 Annuity Service Providers empanelled by PFRDA for providing to subscriber.
the annuity services to NPS subscribers as per the list provided below (Name
of the ASPs are given in an alphabetical order). The more details on availability of particular annuity scheme with an ASP
and annuity quotes etc. are available on the CRA’s website as per link below:
Name of the ASPs, minimum age and minimum corpus required for annuity
www.npscra.nsdl.co.in/annuity-service-providers.php
purchase
ASP Scheme Details and Annuity Selection Matrix may change. Please
Minimum Minimum visit CRA website before filling Annuity Details. The list of empanelment of
Annuity Service Provider Name
Age Corpus (Rs.) ASPs may undergo changes depending upon new empanelment of ASPs by
PFRDA from time to time.
Canara HSBC Oriental Bank of 2,25,000
45 13. Default Annuity Scheme (Applicable in case of Government Sector
Commerce Life Insurance Co. Ltd.
Subscribers only)
HDFC Life Insurance Co. Ltd. 20 Any Amount
The subscriber upon exit from NPS shall have to purchase annuity with a
ICICI Prudential Life Insurance Co Ltd 30 Any Amount minimum of 40% of the accumulated pension wealth which shall provide for
annuity for life of the subscriber and his or her spouse (if any) with provision
IndiaFirst Life Insurance Co. Ltd. 40 10,000 for return of purchase price of the annuity and upon the demise of such
Kotak Mahindra Life Insurance Co. Ltd. 45 2,08,000 subscriber, the annuity be re-issued to the family members in the order
specied hereunder at a premium rate prevalent at the time of purchase of
Life Insurance Corporation of India 30 50,000 such annuity by utilizing the purchase price required to be returned under the
Max Life Insurance Co. Ltd. 50 2,50,000 annuity contract (until all the family members in the order specied below are
covered) :
SBI Life Insurance Co. Ltd. 18 50,000 (a) living dependent mother of the deceased subscriber;
Star Union Dai-ichi Life Insurance Co. Ltd 45 1,00,000 (b) living dependent father of the deceased subscriber.
After the coverage of all the family members specied above, the purchase
price shall be returned to the surviving children of the subscriber and in the
absence of children, the legal heirs of the subscriber, as may be applicable
However, the subscriber who does not wish to opt default option mentioned
above and wishes to choose the annuity contract of his choice from the
available annuity types or contracts with the annuity service providers may
choose an option as mentioned under instruction no.12 above.
Annexure II
(As per Regulation 4(b) of PFRDA (Exits & Withdrawals) Regulations, 2015)
REQUEST CUM UNDER TAKING FORM FOR WITHDRAWAL OF TOTAL PENSION WEALTH BEFORE
SUPERANNUATION OR ATTAINMENT OF 60 YEARS AND WHERE THE TOTAL PENSION WEALTH
IS EQUAL TO OR LESS THAN RS. 100, 000/-
I, …………………………………………….S/D/W/O……………………………………, aged about ……….years, residing

at………………………………………………………………………………………………………………………………………., do hereby
solemnly affirm and declare as under:
1. That I am a subscriber of National Pension System, holding PRAN ………………..

2. That since the total amount receivable by me as the benefit receivable upon exit from NPS is Rs.
…………………., which is less than/equal to the limit of Rs. 1,00,000/- after maintaining the PRAN for ten
years, I understand that I am eligible to opt for withdrawal of the total pension wealth under NPS
rules/guidelines,
Basing on the above, I hereby opt to withdraw my complete pension wealth lying to my credit in my
aforesaid PRAN account being the full and final benefits receivable by me.
I also understand that with the aforesaid withdrawal, I or my family members shall not be entitled to
receive any other or further benefits under the National Pension System (NPS) including the benefits as
provided under PFRDA (Exits and Withdrawals under the National Pension System) Regulations 2015.
Date:
Place: Signature/Thumb Impression of the Subscriber*
Attested by:
Signature of the POP/POP-SP : …………………………………………………
Name of the designated Official: ……………………………………………………………
POP/POP-SP Registration Number …………………………………………..
Rubber Stamp of the POP/POP-SP …………………………………………….
*In case of female, Right Thumb Impression and in case of males Left Thumb Impression may be take.
Annexure II
(As per Regulation 4(a) of PFRDA (Exits & Withdrawals) Regulations, 2015)
REQUEST CUM UNDER TAKING FORM FOR WITHDRAWAL OF TOTAL PENSION WEALTH AT
SUPERANNUATION OR ATTAINMENT OF 60 YEARS AND WHERE THE TOTAL PENSION WEALTH
IS EQUAL TO OR LESS THAN RS. 200, 000/-
I, …………………………………………….S/D/W/O……………………………………, aged about ……….years, residing

at………………………………………………………………………………………………………………………………………., do hereby
solemnly affirm and declare as under:
1. That I am a subscriber of National Pension System, holding PRAN ………………..

2. That since the total amount receivable by me as the benefit receivable upon exit from NPS is Rs.
…………………., which is less than/equal to the limit of Rs. 2,00,000/-, I understand that I am eligible to opt
for withdrawal of the total pension wealth under NPS rules/guidelines,
Basing on the above, I hereby opt to withdraw my complete pension wealth lying to my credit in my
aforesaid PRAN account being the full and final benefits receivable by me.
I also understand that with the aforesaid withdrawal, I or my family members shall not be entitled to
receive any other or further benefits under the National Pension System (NPS) including the benefits as
provided under PFRDA (Exits and Withdrawals under the National Pension System) Regulations 2015.
Date:
Place: Signature/Thumb Impression of the Subscriber*
Attested by:
Signature of the POP/POP-SP : …………………………………………………………..
Name of the designated Official: ……………………………………………………………
POP/POP-SP Registration Number ……………………………………………………..
Rubber Stamp of the POP/POP-SP ………………………………………………………
*In case of female, Right Thumb Impression and in case of males Left Thumb Impression may be taken
1
CENTRAL RECORDKEEPING AGENCY Annexure UOS-S7
Request for change in signature and/or change in photograph for 'NPS-All Citizens of India'
(To avoid mistake(s), please follow the accompanying instructions carefully before filling up the form)
Acknowledgement No.
(To be filled by CRA-FC)
Subcribers Name
To affix colour photograph
(3.5 cm x 2.5 cm)
(only in case of change of photograph)
Permanent Retirement Account Number
Subscriber's sign/Thumb
impression in black ink only.
(Applicable in case of change of
Photograph)
I hereby request you to carry out the following change.The necessary details are provided as below:
Change in photograph Change in signature
Section A: Change in photograph
Reason for change in photograph:
Section B: Change in signature
Reason for change in signature:
Subscriber's Signature
(old signature)
Subscriber's Signature Date :

(New signature)
For POP-SP Use For CRA-FC Use
POP_SP receipt no.
Stamp of POP-SP
POP-SP Reg. No.
Date of Receipt Entered by Date
POP-SP Name:
________________________________
Time of Receipt Verified by Date
Name & Signature

of Authorised person of POP-SP
Instructions
1. The form is to be submitted at the POP-SP for carrying out the necessary changes.
2. Please indicate whether request is for change in signature and/or Photograph by ticking the relevant box.
3. The change request will result into re-issue of new PRAN card which will be chargeable by CRA
NSDL-CRA
Annexure-UOS-S6
Subscriber request to change Point of Presence
[To be used by Subscribers of NPS –All Citizens of India (for Tier- I & Tier- II Account) & other Subscribers only for Tier-II
account]
Receipt No.
(To be filled by POP-SP)
(Please fill all the details in CAPITAL LETTERS & in BLACK INK only. All Fields mark with * are mandatory.)
___________________________________________________________________________________________
(To be submitted to the or target POP)
Sir/Madam,
I ____________________ (Name of the subscriber as in PRAN card) would like to shift the Point of Presence (POP) from
_____________________________ (POP name) to POP _______________________ (POP name) POP reg.no. ____________
. (to be filled by POP-SP).A photocopy of my PRAN card is attached. My NPS related details are provided below:
Permanent Retirement Account Number*:

(As allotted by CRA)
Date _______________ Signature/Left Thumb impression of Subscriber*___________________________________

________________________________________________________________________________________________________
Received by: __________________________________ POP –SP Registration Number: _______________________
Received at: ___________________________________ Date: ______________ Time Stamp: __________________
Details verified by: _____________________________ Date: ______________ Time stamp:__________________
----------------------------------------------------------------------------------------------------------------------------- ---------------------------
Acknowledgement
Received from:
(PRAN)
POP Registration Number: _________________________
POP-SP Registration Number: ______________________
Received at: ____________________________________ Date: ______________ Time Stamp: __________________
Receipt Number
NSDL CRA
Annexure-UOS-S6
 This form is to be used for the purpose of changing of one POP-SP to another POP-SP across the different POP.
 The request can be submitted at the target POP-SP. The target POP-SP is the POP-SP to which the Subscriber wants
to shift.
 The change request submitted by the Central/State Government employees (who are mandatorily covered under NPS)
will be applicable to Tier II account only.
 Mention 12 digits PRAN correctly.
 Subscribers are advised to retain the acknowledgement slip signed/ stamped by the POP-SP where they submit the
application.
 On successful shifting of the subscriber will be linked to Target POP-SP and subsequent requests on subscriber
maintenance like subscriber modification, withdrawal requests, Scheme preference change etc. are to be executed
through the Target POP-SP.
For more information
Visit us at http://www.npscra.nsdl.co.in
Call us at CRA Toll free number 1800 22 2080 or raise an online enquiry request through the link https://cra-
nsdl.com/CRA/cgmsMenuOnloadFormForSub.do?ID=-1950958717&getName=null
Write to:
Central Recordkeeping Agency,
01st Floor, Times Tower Building, Kamala Mills Compound,
Senapati Bapat Marg, Lower Parel(W), Mumbai – 400 013.
NSDL CRA
Annexure UOS - S13 Page 1
Request for One Way Switch (from Tier II to Tier I) under NPS
For POP-SP use:

POP-SP Registration No.:______________
Receipt No.:
Entered By: ___________________________ Date: __________________
Verified By: ___________________________ Date: __________________
Date : Acknowledgement Number :

Reason for Rejection (if any) : ___________________(Generatedby CRA)
Sir/Madam,
I hereby submit a request for switch and give below the necessary details:
PRAN *:
Name of the Subscriber *: _______________________________________________________________________
Amount to be Switched (from Tier II to Tier I) : Rs.
(Amount in rupees)*:____________________________________________________________________________________
I _____________________________________________________________, the applicant, do

hereby declare that Information stated above is true to the best of my information & belief.
Date : Signature/ Thumb Impression

of the Subscriber
TO BE FILLED &ATTESTED BY POP-SP
Rubber Stamp of the POP-SP

Name and Signature of the POP-SP
------------------------------------------------------------------------------------------------------------- -------------------------------------------
Acknowledgement for Subscriber
Received from: POP-SP Registration Number: ____________________

(PRAN)
Received at: ____________________________________ Date: ______________ Time Stamp:__________________
Receipt Number
Instruction for filling the Form:

1. All fields marked with * are mandatory. All dates should be in DDMMYYYY format.
2. Only the subscribers having Tier I account under NPS- All Citizens of India or Corporate Sector can request for ‘One Way Switch’.
3. The Subscriber shall submit the application only to the POP-SP with which they are currently associated with for Tier II account
4. The amount invested under Tier I after the execution of the switch request can be different from the requested amount to the extent
of difference in NAV of two different days.
Under Regulations 8 of PFRDA (Exit & Withdrawals under NPS) Regulations 2015
and amendments thereto
Declaration Form for Partial Withdrawal in case of Marriage or Purchase of property
Fields marked with ‘*’ are mandatory.
Section A – Subscriber’s Personal Details
1. Name of the Subscriber
2. PRAN
3. Registered Mobile
4. Registered Email ID
Section B – Withdrawal Request Details
Withdrawal Type
A. For Marriage of his or her children
I hereby declare and state that this withdrawal is only for the purpose of
______________________________________________as is permitted under PFRDA (Exits and
Withdrawals under National Pension System) Regulations 2015 and amendments
thereto
Aged:_______________ Date of Marriage: _____/____/___________
Address of Marriage:_________________________________________________________________________
_________________________________________________________________________
B. For purchase or construction of residential house or flat in his or her own name
or in joint name with his or her legally wedded spouse.
I hereby declare and state that this withdrawal is only for the purpose of
________________________________________________ as is permitted under PFRDA (Exits
and Withdrawals under National Pension System) Regulations 2015 and
amendments thereto.
Property Address:___________________________________________________________________________
____________________________________________________________________________
Date :
Place :
Signature/Thumb impression of the Subscriber**

**Left Thumb impression in respect of illiterate male claimant and right thumb impression in
respect of illiterate female claimant.
Annexure S12 Page 1
Withdrawal form for Tier II account under NPS

#
For Nodal Office use:
Nodal Office Registration No.:______________
Receipt No.:
Entered By: ___________________________ Date: __________________
Verified By: ___________________________ Date: __________________
Date : Acknowledgement Number (Generated by CRA) :

Reason for Rejection (if any) : ___________________
Sir/Madam,
I hereby submit withdrawal request for Tier II and give below the necessary details:
PRAN *:
Name of the Subscriber *: ___________________________________________________________________________________
Type of Withdrawal* (Please Tick any one):
I. Amount Wise Withdrawal (Please Tick any one)
Partial Withdrawal _________________________________________________________________

(Amount in Figures) (Amount in words)
Complete Withdrawal
*
II. Scheme Wise Units Withdrawal Scheme E Scheme C Scheme G
(No. of Units) (No. of Units) (No. of Units)

Date :
Signature/ Thumb
Impression of the Subscriber
D D M M Y Y Y Y
TO BE FILLED/ATTESTED BY DDO (Mandatory if the

request is processed by the associated Nodal Office)

Rubber Stamp of the DDO Name : _____________________________________ Designation:__________________________

Rubber Stamp of the Nodal Office Name : _____________________________________ Designation:__________________________
----------------------------------------------------------------------------------------------------------------------------- --------------------------------

Tier II Withdrawal:
Nodal office Registration Number: ______________________ PRAN:
Receipt Number
1. Transaction Charges: Rs. 2. Service Tax (as applicable): Rs.
1. Nodal Office# refers to PAO/DTO/DTA/POP/POP-SP.

3. The Subscriber shall submit the application only to the Nodal Office with which they are currently registered with CRA for Tier 1I .
4. Before submitting the withdrawal form, Subscriber should ensure that the Subscriber's bank account is active. If he/she intends to
make any correction in the details he/she can submit Subscriber Details Change Request and should get all the details updated prior
to submission of withdrawal request form.
5. In case of complete withdrawal, the total contributions under Tier II will be remitted to the Subscriber.
6. Partial withdrawal request shall be rejected if sufficient balance is not available in Subscriber’s Tier II account.
7. In case the subscriber wishes to carry out scheme wise units withdrawal, the % in equity cannot be more than 50% post carrying out
the activity of withdrawal.
8. Withdrawal amount received after the execution of the withdrawal request can be different from the requested amount to the extent
of difference in NAV of two different days.
9. The redeemed amount shall be directly credited to the bank account of the subscriber as per details available in the CRA database.
Annexure S10 (Ver1.3) Page-1
Request for Activation of Tier-II account under National Pension System (NPS)
To be used by Subscribers having a pre-existing Tier I account under NPS
(To avoid mistake(s), please read the accompanying instructions carefully before filling up the form)
For Nodal Office# use:

Nodal Office Registration No. :______________________
Receipt No.:
Entered By : ____________________ Date: __________________ Verified By: _____________________ Date: __________________
I hereby submit the following details for activation of Tier – II account under NPS.
Permanent Retirement Account Number (PRAN)*:
1. Subscriber’s Name*: ___________________________________________________________________

2. Bank Details* (All bank details are mandatory except MICR Code):
If same as Tier I, Please Tick (√) else, provide the details below:
Savings A/c Current A/c (please refer to Sr. No. j of the instructions)
Bank A/c Number*
Bank Name*
Bank Branch*
Bank Address*
Pin Code* Bank MICR Code
IFS code*
3. Subscriber’s Nomination Details (Please refer to Sr. No. k of the instructions)
Do you want to retain the same nomination as in your Tier I account? YES NO
If NO, please fill in the details below (You can nominate up to a maximum of 3 nominees and if you desire so please fill Additional Nomination Form provided on
Page 3.)
Nominee's Name: _____________________________________________________________________________________________

Relationship with the Nominee: Date of Birth (In Case of Minor): (dd/mm/yyyy)
Nominee’s Guardian Details (in case of a minor) : ________________________________________________________________________

4. Subscriber Scheme Preference (Please refer to Sr. No. l of the instructions for further details):
(i). Pension Fund (PF) Selection* (Select only one PF): Selection of PFM is mandatory both in Active and Auto Choice. In case you do not indicate a choice
of PFM, your application form shall be summarily rejected.
*Name of the Pension Funds are given in alphabetical order.


Annexure S10 (Ver 1.3) Page–2
(ii). Investment Option :[Please Tick (√) in the box given below showing your investment option]
Please note:
3. In case you have opted for Auto Choice and fill up section (iii) below relating to Asset Allocation, the Asset Allocation instructions will be ignored and investment will be made as
per Auto Choice (LC 50).
(iii). Active Choice_Asset Allocation (To be filled up only in case you have selected the ‘Active Choice’ investment option)
Asset Class E C G Total

(Cannot exceed (Max up to (Max up to Note:1. Asset class E-Equity and related instruments; Asset class C-
75%) 100%) 100%) Corporate debt and related instruments; Asset class G-Government Bonds
and related instruments.
Specify % 100%
Please note:
2. From 51 years and above, maximum permitted Equity Investment will be as per the equity allocation matrix provided in Annexure A. The tapering off of equity allocation will be
carried out as per the matrix on date of birth.
3. The total allocation across E, C, and G asset classes must be equal to 100%. In case, the allocation is left blank and/or does not equal 100%, the application shall be rejected.
(iv). Auto Choice Option (To be filled up only in case you have selected the ‘Auto Choice’ investment option. In case, you do not indicate a choice of LC,
your funds will be invested as per LC 50.)
Life Cycle Please Tick (√)

(LC)Funds Only One
Note:1. LC 75- It is the Life cycle fund where the Cap to Equity investments is 75% of the total asset
LC25
5. PAN (Mandatory)*:
6. Declaration & Authorization
I have read and understood the terms and conditions of the National Pension System and hereby agree to the same and declare that the information and documents furnished by me are true
and correct, to the best of my knowledge and belief. I undertake to inform immediately the National Pension System Trust, of any change in the above information furnished by me. I
I further agree to be bound by the terms and conditions of provision of services by CRA, from time to time and any amendment thereof as approved by PFRDA, whether complete or partial
without any new declaration being furnished by me.

I hereby declare that the contribution paid by me/on my behalf has been derived from legally declared and assessed sources of income. I understand that NPS Trust has the right to peruse my
financial profile or share the information, with other government authorities. I further agree that NPS Trust has the right to close my PRAN in case I am found violating the provisions of any
law relating to prevention of money laundering.
CRA generated Acknowledgement Number (to be filled by Nodal Office): ____________________________________________
I _________________________________________________________________ , the applicant, do hereby

declare that the information provided above is true to the best of my knowledge & belief.
Signature/Thumb
Date : (DD/MM/YYYY) Impression* of Subscriber
TO BE FILLED/ATTESTED BY DDO (Mandatory if the request is

processed by the associated Nodal Office)

Rubber Stamp of the DDO Name : ____________________________________ Designation:__________________________
To be filled by Nodal Office

(PAO/DTO/DTA/POP/POP-SP)
)
Signature of Authorized Signatory

Name : ___________________________________ Place : __________________
Désignation : ________________________________ Date : __________________

Nodal Office Seal

Annexure S10 (Ver 1.3) Page-3
The details of nominees to whom the outstanding pension wealth of the Subscriber is payable in case of the demise of the Subscriber before entire proceeds are withdrawn is to be provided
hereunder (Please refer instruction no: k).
I,____________________________________________________________________________hereby nominate the person(s) mentioned below who is/are member(s)/ of my family to
receive the amount in my PRAN account under National Pension System in the event of my death.
1. Name of the Nominee*:

___________________________________ ___________________________________ ____________________________________
___________________________________ ___________________________________ ____________________________________
___________________________________ ___________________________________ ____________________________________
2. Present Communication address of the Nominees*:
Address of 1st Nominee Address of 2nd Nominee Address of 3rd nominee

_________________________________________________ _________________________________________________ __________________________________________________
_________________________ _________________________ _________________________
3. Date of Birth* (Only in case of a minor. In DD/MM/YYYY):
1st Nominee: ____/_____/_________ 2nd Nominee: ____/_____/_________ 3rd Nominee: ____/_____/_________
4. Relationship with the Nominee*:

1st Nominee __% 2nd Nominee __% 3rd Nominee __%
___________________________________ ___________________________________ ____________________________________
___________________________________ ___________________________________ ____________________________________
___________________________________ ___________________________________ ____________________________________
Dated this ________day of ___________ 20 at ____________

Annexure S10 (Ver 1.3) Page-3

Tier II Activation:
Nodal Office Registration Number: ______________________ PRAN:
Receipt Number
1. Transaction Charges: Rs. 2. Tax as applicable: Rs.

a) The form is to be filled by the Subscribers having a PRAN card and Tier 1 account under NPS.
b) Form to be filled legibly in BLOCK LETTERS and in BLACK INK only. Please fill the form in legible handwriting so as to avoid errors in your application
processing. Please do not overwrite. Corrections should be made by cancelling and re-writing and such corrections should be counter-signed by the applicant.
c) Each box, wherever provided, should contain only one character (alphabet/number/punctuation mark) leaving a blank box after each word. The details marked
with (*) are mandatory.
d) The Subscriber shall provide copy of PRAN card alongwith the application form.
e) Applications incomplete in any respect and/or not accompanied by required documents are liable to be rejected. The application is liable to be rejected if
mandatory fields are left blank.
f) Nodal Office# refers to PAO/DTO/DTA/POP/POP-SP.
g) Government employees (mandatorily covered under NPS) may submit their application to their associated Nodal Office or to any POP-SP of their choice. The
list of POP-SPs rendering services under NPS is available on CRA website www.npscra.nsdl.co.in.
h) Any Indian citizen (other than government employee mandatorily covered under NPS) may submit the application only to the POP-SP through which they have
registered with CRA for Tier 1 account.
i) Subscribers are advised to retain the acknowledgement slip signed/ stamped by the Nodal Office where they submit the application.
j) Bank Details :
a. Bank details are mandatory for Tier-II else, account will not be activated. In case bank details are same as Tier I account, tick mark the corresponding option.
b. Subscriber shall provide cancelled cheque, the details of which should match with the details provided under Point No.2 on Page 1. Even if the bank details
are same as in Tier I, the Subscriber should provide a ‘cancelled cheque’.
k) Subscriber’s Nomination Details
1) Subscriber can nominate a maximum of three nominees.
2) Subscriber cannot fill the same nominee details more than once.
3) Percentage share value for all the nominees must be integer. Decimals/Fractional values shall not be accepted
Percentage Share
in the nomination(s).
4) Sum of percentage share across all the nominees must be equal to 100. If sum of percentage is not equal to 100,
entire nomination will be rejected.
Nominee’s Guardian Details If a nominee is a minor, then nominee’s guardian details shall be mandatory.
The nomination exercised for Tier I shall not be automatically applicable to Tier II. A Subscriber to Tier II is required to make a fresh nomination.
In case, you want to retain the same nomination as in Tier I, please select “YES” by putting tick mark in the box.
l) Subscriber Scheme Preference

Selection of PFM is mandatory both in Active and Auto Choice.
Active choice
1. PFM selection is mandatory.
2. Allocation under Equity (E) cannot exceed 75%
3. A Subscriber opting for active choice may select the available asset classes (“E”, “C”, & “G”). However, the sum of percentage
allocation across all the selected asset classes must equal 100. If the sum of percentage allocations is not equal to 100%, or the asset
allocation table at Point No. 4 (iii) is left blank, the application shall be rejected.
Auto choice
4. A Subscriber opting for Auto Choice must also select a PFM.
5. In case both investment option and the asset allocation at Point No. 4 (ii) and Point No. 4 (iii) are left blank, the Subscriber’s funds will
be invested as per Auto Choice.
For more details on ‘Investment Option’, you may visit CRA website (www.npscra.nsdl.co.in).
GENERAL INFORMATION FOR SUBSCRIBERS
 The Subscriber can obtain the status of his/her application from the CRA website or through the respective Nodal Office.
 For more information
Call us at 022-4090 4242
Write to: Central Recordkeeping Agency, NSDL e-Governance Infrastructure Limited, 1st Floor, Times Tower, Kamala Mills
Compound, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013.

Annexure A to S10 (Ver 1.3) Page 4

Upto 50 75%
51 72.50%
52 70%
53 67.50%
54 65%
55 62.50%
56 60%
57 57.50%
58 55%
59 52.50%
60 & above 50%
Please note:

Annexure S3 (Ver 1.3) Page 1
Request for Scheme Preference Change

For POP-SP use: POP-SP Registration No. :_____________________________
Receipt No.: Receipt Date : ___/___/____
PRAN *: Name of the Subscriber *: _________________________________
Scheme Preference Change: Tier I Tier II
(i). Pension Fund (PF) Selection (Select only one PF): Selection of PFM is mandatory both in Active and Auto Choice.
In case you do not indicate a choice of PFM, your application form shall be summarily rejected.

(ii). Investment Option:[Please Tick (√) in the box given below showing your investment option]
Please note:
3. In case you have opted for Auto Choice and fill up section (iii) below relating to Asset Allocation, the Asset Allocation instructions will be ignored
4.
(iii). Asset Allocation (To be filled up only in case you have selected the ‘Active Choice’ investment option)
E C G A#
Asset Class (Cannot (Max up to (Max up to (Cannot Total Note:1. Asset class E-Equity and related instruments; Asset class C-
exceed 75%) 100%) 100%) exceed 5%) Corporate debt and related instruments; Asset class G-Government Bonds
and related instruments; Asset Class A-Alternative Investment Funds
Specify % 100% including instruments like CMBS, MBS, REITS, AIFs, Invlts etc
#As per existing NPS guidelines, option to select Asset Class – A is available only for Tier I. In case, you have filled up Asset Class – A for Tier II, your
application shall be summarily rejected.
Please note:
2. From 51 years and above, maximum permitted Equity Investment will be as per the equity allocation matrix provided in Annexure
A. The tapering off of equity allocation will be carried out as per the matrix on date of birth.
3. The total allocation across E, C, G and A asset classes must be equal to 100%. In case, the allocation is left blank and/or does not
equal 100%, the application shall be rejected.
Annexure S3 (Ver 1.3) Page 2
(iv).Auto Choice Option (To be filled up only in case you have selected the ‘Auto Choice’ investment option. In case,
you do not indicate a choice of LC, your funds will be invested as per LC 50.)
Life Cycle Please Tick (√) Only One

(LC)Funds Note:1. LC 75- It is the Life cycle fund where the Cap to Equity investments is 75% of the total asset
LC25
CRA generated Acknowledgement Number (to be filled by POP-SP): _________________________________________
For POP/POP-SP use: POP/POP-SP Stamp:
_________________
Name & Signature
Subscriber’s Signature/
Thumb Impression
(Perforation) - Acknowledgement to the Subscriber

Scheme Preference change/switch: Tier I Tier II
POP-SP Registration Number: ______________________ PRAN:
Receipt Number
(To be provided by POP/POP-SP)
1. POP Transaction Charges: Rs. 2. Tax as applicable: Rs.
Signature/Stamp of POP/POP-SP/Place
 All fields mark with (*) are mandatory. All Dates should be in DDMMYYYY Format.
 The Subscribers shall submit the application to POP-SP through which they have registered with CRA.
 For more details on switch of scheme, you may visit CRA website (www.npscra.nsdl.co.in).
 Separate forms to be submitted for Tier I and Tier II
Subscriber Scheme Preference

Active choice
1. PFM selection is mandatory. The form shall be rejected if a PFM is not opted for.
2. Allocation under Equity (E) cannot exceed 75%
3. A Subscriber opting for active choice may select the available asset classes (“E”, “C”, “G”, & “A”).
However, the sum of percentage allocation across all the selected asset classes must equal 100. If the sum of
percentage allocations is not equal to 100%, or the asset allocation table is left blank, the application shall be
rejected.
Auto choice
4. A Subscriber opting for Auto Choice must also select a PFM. The application shall be rejected if the
Subscriber does not indicate his/her choice of PFM.
5. In case of Auto Choice, DO NOT fill up section for Asset Allocation. In case you do, the Asset Allocation
instructions will be ignored and investment will be made as per Auto Choice.
In case both the investment option and the asset allocation are left blank, the Subscriber’s funds will be
invested as per Auto Choice
Annexure A to S3 (Ver 1.2) Page 2

Upto 50 75%
51 72.50%
52 70%
53 67.50%
54 65%
55 62.50%
56 60%
57 57.50%
58 55%
59 52.50%
60 & above 50%
Please note:
Ver 1.1 Annexure - S2

Request For Change/Correction in Subscriber Master Details And/Or Reissue of I-PIN/T-PIN/PRAN Card
[ To avoid mistake(s), please read the accompanying instructions carefully before filling up the form ]
For POP-SP/DDO/NL-CC use: For POP/POP-SP/PAO/DTO/DTA/PrAO/ NL-AO/NL-OO use:

Registration No. Registration No.:
Date of Receipt:
Date of Receipt : POP/POP-SP/PAO/DTO/DTA/PrAO/NL-AO/
NL-OO Stamp:
Signature and Stamp of POP-SP/DDO/NL-CC Entered By : Date:

V�� Date:
Receipt No.: (Mandatory for POP/POP-SP)

Acknowledgement No.
(To be filled by Nodal Office as generated by NPSCAN / CRA system)
I hereby request for the following details for the change [Please tick ()].
A) Change or Correction in Subscriber Master Details B) Reissue of I-PIN or T-PIN (Not Applicable for NPS-Lite Subscriber)
C) Reissue of PRAN Card
Permanent Retirement Account Number *:
I hereby submit the following details of change. [Please tick () the box on left margin of appropriate row where change/correction is required and provide the details in the
corresponding rows.]
Section A – Change or Correction in Subscriber Master Details ( * Indicates Mandatory Field)

First Name*
Middle Name
Last Name
Subscriber’s Maiden Name
Father's Full Name:
First Name
Middle Name
Last Name
Mother’s Full Name:
First Name
Middle Name
Last Name
Date of Birth d d / m m / y y y y
(Date of Birth should be supported by relevant documentary proof. Nodal Office shall verify the same before updating details in the CRA system.)
Gender [please tick ()] Male Female Others
Marital Status [please tick ()] Married Unmarried Others
PAN CARD
Spouse Name F i r s t M i d d l e L a s t
KYC Number Generated from Central KYC Registry. Submission of proof for the same is necessary.
Retirement Adviser Code
2. PROOF OF IDENTITY (Pol) (Any one of the documents need to be provided along with the identification number) [Please refer Sr. No. 2 of the instructions]
Passport Passport Expiry Date d d / m m / y y y y

Driving License Driving License Expiry Date d d / m m / y y y y
NREGA JOB Card
Others Name of the ID I D N u m b e r Please refer Sr. No. 2 of the instructions.
UID (Aadhaar) (UIDI [ Aadhaar] number not required.)
1 of 6
3. PROOF OF ADDRESS (PoA) Correspondence Address Permanent Address
[ Please tick (), as applicable ] Passport /Driving License/UID (Aadhaar)/Voter ID card/NREGA Job Passport /Driving License/UID (Aadhaar)/Voter ID card/NREGA Job
Please refer Sr. No. 2 of the instructions Registered Lease/Sale agreement of residence/Municipal Tax Registered Lease/Sale agreement of residence/Municipal Tax
Receipt Receipt
#Latest Piped Gas/Water/Electricity/Telephone[Landline or postpaid #Latest Piped Gas/Water/Electricity/Telephone[Landline or postpaid
mobile] Bill mobile] Bill
4.1 CORRESPONDENCE ADDRESS DETAILS [Please refer Sr. No. 2 of the instructions]

Road/Street/Lane
Area/Locality/Taluk
4.2 PERMANENT ADDRESS DETAILS [Tick () in the box in case the address is same as above.] (Please refer Sr. No. 2 of the instructions)
Road/Street/Lane
Area/Locality/Taluk
5. CONTACT DETAILS
Tel. (Off) (with STD code) + Tel. (Res) (with STD code) +
Mobile + 9 1 (Mobile Number is required for communication and to get SMS alerts)
Email ID
6. OTHER DETAILS (Please refer to Sr no. 3 of the instructions)

 Occupation Details [ please tick() ]
 Income Range (per annum) Upto 1 lac 1 lac to 5 lac 5 lac to 10 lac 10 lac to 25 lac 25 lac and above
 Educational Qualifications Below SSC SSC HSC Graduate Masters Professionals ( CA, CS, CMA, etc.)
 Please Tick If Applicable Politically exposed person Related to Politically exposed Person (Please refer instruction no.3)
7. SUBSCRIBER BANK DETAILS [ All bank details are mandatory except MICR Code. ] ( Please refer to Sr no. 4 of the instructions)
You want to change Bank details of: Tier I Tier II

(In case you want to change bank details in both Tier I & Tier II Account, tick both check box)
Tier I Account : Savings A/c Current A/c
Bank A/c Number
Bank Name
Branch Name
Tier II Account: If same as Tier I, Please Tick () else, provide the details below:
Savings A/c Current A/c
Bank A/c Number
Bank Name
Branch Name
2 of 6
8. SUBSCRIBERS NOMINATION DETAILS (Please refer to Sr. No . 5 of the instructions)
You want to change Nomination details of: Tier I Tier II

(In case you want to change nomination details in both Tier I & Tier II Account, tick both check box)
Tier I Account :
Name of the Nominee (You can nominate up to a maximum of 3 nominees and if you desire so please �ll in Additional Nomination Form provided on page no. 4 & 5 separately.)
Relationship with the Nominee Date of Birth (In case of Minor) d d / m m / y y y y

Tier II Account : If same as Tier I, Please Tick () else, provide the details below:
Name of the Nominee (You can nominate up to a maximum of 3 nominees and if you desire so please �ll Additional Nomination Form provided on pages 4 & 5 separately)
Relationship with the Nominee Date of Birth (In case of Minor) d d / m m / y y y y

Section B – Request for Reissue of I-PIN/T-PIN (Not Applicable for NPS-Lite Subscriber)
I hereby request you to reissue the following
T-PIN I-PIN
Section C – Request for Reissue of PRAN card.
Reissue of T-PIN, I-PIN and reissue of PRAN card will be chargeable to Subscriber/employer by CRA. PRAN Card will be re-printed as
per the preference given at the time of registration under NPS.
I ,
the applicant, do hereby declare that the information provided above is true to the best of my knowledge
& belief.
Signature/Thumb
Date : d d / m m / y y y y Impression* of the Subscriber
To be filled by POP / POP-SP

KYC Compliance : Yes
KYC document accepted for identify proof :
KYC document accepted for address proof :
Copy of PAN card submitted : Yes No
PAN Compliance : Yes
Name : Place :
Designation : Date : d d / m m / y y y y
POP / POP-SP Seal
3 of 6

The details of nominees to whom the outstanding pension wealth of the Subscriber is payable in case of the demise of the Subscriber before entire proceeds
are withdrawn is to be provided hereunder (Please refer instruction no: 5). Also, please note that in case of demise of the Subscriber after opting for deferred
withdrawal, all the outstanding pension wealth present in the NPS account of the Subscriber shall be withdrawn upon receiving the request and paid to the
nominees as mentioned in this form and the same would be treated as full and final discharge of the obligation.
I hereby submit the Nomination details for: (Please Tick{}) Tier I Tier II account under NPS.
(Please Tick on above both the option (i.e Tier I and Tier II) in case you want to retain same nomination for both account and in case of different nomination
kindly fill separate Nomination Form)




4 of 6
TO BE FILLED/ATTESTED BY POP-SP/DDO/NL-CC
Rubber Stamp of the POP-SP/DDO/NL-CC Signature of the Authorised Person
POP-SP/DDO/NL-CC Registration Number Designation of the Authorised Person :

(Allotted by CRA)
POP-SP/DDO/NL-CC Office Name :
TO BE FILLED/ATTESTED BY POP/POP-SP/PAO/DTO/DTA/PrAO/NL-AO/NL-OO
POP/POP-SP/PAO/DTO/DTA/PrAO/NL-AO/NL-OO Registration Number
(Allotted by CRA):
Rubber Stamp of the POP/POP-SP/PAO/DTO/DTA/PrAO/NL-AO/NL-OO

5 of 6
General Guidelines
(a) This form is to be used for the purpose of change/correction in Subscriber master details, reissue of I-Pin /T-Pin, reissue of PRAN card.
(b) �� for carrying out the necessary changes.
(c) Please tick the box on the left margin of appropriate row where change/correction is required and provide the details in the corresponding row. Please strike off the remaining
blank rows for which no change is requested.
(d) �� legibly in BLOCK LE TTERS and in BLACK INK only.
(e) Details Marked with (*) are the manda�� ctly.
(f) All Dates should be in “DD/MM/YYYYˮ Format.
(g) Reissue of T-PIN, I-PIN (Not Applicable for NPS-Lite Subscriber) and reissue of PRAN card will be chargeable to Subscriber/employer by CRA.
S. Item
Item Details Instructions
No No.
1 1 Spouse Name If married, spouse name is mandatory.
3 �� 3 Bank Pass book or ��

with photograph and residential
address
4 ��
for an existing customer. 4 ��
for an existing customer.
7 �� of identity with photograph signed by a Member of 7 Letter from any recognized public authority at the level of
Parliament or Member of Legislative Assembly Gazetted �� like District Magistrate, Divisional commissioner,
BDO, Tehsildar, Mandal Revenue ��, Judicial Magistrate etc.
8 PAN Card issued by Income tax department 8 �� of address with photograph signed by a Member of
Identity,
Correspondence & 9 Aadhar Card / letter issued by Unique ��
Authority 9 Aadhar Card / letter issued by Unique ��
Authority of
Permanent address of India India clearly showing the address
details 10 Job cards issued by NREGA duly signed by an ��
of the 10 Job cards issued by NREGA duly signed by an ��
of the
State Government State Government
2 2, 3 & 4
11 Identity card issued by Central/State government and its 11 The identity card/document with address or letter of allotment
Departments, Statutory/ Regulatory Authorities, Public Sector of accomodation issued by any of the following: Central/
Undertakings, Scheduled commercial Banks, Public Financial State Government and its Departments, Statutory/Regulatory
Institutions, Colleges ��to universities and Professional Authorities, Public Sector Undertakings, Scheduled Commercial
Bodies such as ICAI, ICWAI, ICSI, Bar Council etc. Banks, Financial Institutions and listed companises for their
employees.Pension or Family Pension Payment Orders issued
12 Photo. Identity Card issued by Defence, Paramilitary and 12 Latest Electricity/water/piped gas bill in the name of the Subscriber
Police department’s / Claimant and showing the address (less than 2 months old)
13 Ex-Service Man Card issued by Ministry of Defence to their 13 Latest Telephone bill (landline & postpaid mobile) in the name of
employees. the Subscriber / Claimant and showing the address (less than 2
months old)

Note:
(i) If the address on the document submitted for identity proof by the prospective customer is same as that declared by him/her in
the account opening form, the document may be accepted as a valid proof of both identity and address.
(ii) If the address indicated on the document submitted for identity proof differs from the current address mentioned in the account
opening form, a separate proof of address should be obtained. All future communications will be sent to correspondence address.
If correspondence & Permanent address are different, then proof for both have to be submitted.
Politically Exposed Persons’ (PEPs) are individuals who are or have been entrusted with prominent public functions in a foreign
Politically Exposed
3 6 country, for example heads of state or of the government, senior politicians, senior government, judicial or military ��
senior
Person
��
In case, subscriber provides bank details, it should be supported by a documentary proof. Please attach a cancelled cheque
Subscriber’s Bank containing Subscriber Name, Bank Name, Bank Account Number and IFS Code. If cheque is not available or cheque is not
4 7
Details preprinted with Subscriber name, a copy of bank passbook or bank statement or bank �� or letter from Bank mentioning
Subscriber Name, Bank Name, Bank Account No. and IFS Code should be submitted.
In case of more than one nominee, percentage share value for all the nominees must be integer. Decimals/Fractional values shall
Subscriber’s
5 8 not be accepted in the nomination(s). Sum of percentage share across all the nominees must be equal to 100. If sum of percentage
Nomination Details
is not equal to 100, entire nomination will be rejected.
a) ��
.
/ POP-SP where they submit the application.
��m
c) For more information, contact CRA:
Call: 022-4090 4242
1st Floor, Times Tower, Kamala Mills Compound, Senapati Bapat Marg,
FORM: 601 PW NATIONAL PENSION SYSTEM (NPS)
(Under Regulation 8 of PFRDA (Exits & Withdrawals under NPS) Regulations 2015 and amendments thereto)
Partial Withdrawal form for Tier I account under NPS
For Nodal Office use

PAO/DTO/POP/POP-SP Reg. No.
Receipt No.:
PRAN
Ack No.
(Generated by CRA System)
Entered By: Date:
Verified By: Date:
Please select your Category (please tick )

Government Sector Corporate Sector
All Citizen of India NPS Lite/ Swavalamban
To,
NPS Trust
Sir/Madam,
I holding a Permanent Retirement Account under National Pension System, hereby submit partial
withdrawal request for withdrawal from my Tier I account under NPS and give below the necessary details:
Section A – Subscriber’s Personal Details:
PRAN*
Name of the Subscriber*
Mobile No.#
Email ID#
# S
ubscribers Mobile No. and Email ID provided here will not be updated in CRA records. For updation of
Mobile No. and Email ID in CRA records, subscriber is required to submit S2 Form.
a. % of Partial Withdrawal* %
(Maximum 25% of own contribution (without accrued income earned thereon) only)
b. Purpose of withdrawal* (please tick √ on box below with reason applicable )
1. for Higher education of children including a legally adopted child
2. for the marriage of children, including a legally adopted child;
3. for the purchase or construction of a residential house or flat in own name or in a joint name with legally wedded spouse (it is not available
for already owned flat/house)
4. for treatment of specified illnesses (please tick )
a. Cancer b. Kidney Failure (End Stage Renal Failure)
c. Primary Pulmonary Arterial Hypertension d. Multiple Sclerosis
e. Major Organ Transplant f. Coronary Artery Bypass Graft
g. Aorta Graft Surgery h. Heart Valve Surgery
i. Stroke j. Myocardial Infarction
k. Coma l. Total blindness
m. Paralysis n. Accident of serious/ life threatening nature
o. COVID-19
5. to meet medical and incidental expenses arising out of the disability or incapacitation suffered by the subscriber
6. for skill development/re-skilling or any other self-development activities (Please refer instruction no 11)
Enter course fee:* Rs.
*mandatory if subscriber opts for withdrawal under skill development
7. for establishment of own venture or any start-up (Please refer instruction no 12)
c. Bank account details of the subscriber (please provide the details of the bank where the withdrawal amount shall be credited, tick √ as applicable)
same bank account already registered under NPS another Bank account, please provide the details below
Bank Account No.
Bank Name
Type of Account Savings Account Current Account
Branch Name & Address
IFS Code
1 of 2
Section B – Declarations
Declaration by the Subscriber*:

1. I hereby declare that information stated above is true and correct to the best of my knowledge & belief and that I have completed minimum of three
years in to the NPS as required for partial withdrawal and eligible to withdraw the amount requested above due to the urgent need of funds to support
the reason mentioned above.
2. I (name) with PRAN agree that in case of any failure
of Direct Credit, for any reason whatsoever or wrong credit to another account (but as per my details), NPS Trust / CRA shall not be responsible. I also
agree that NPS Trust / CRA shall not be responsible/liable for any losses that may arise due to incorrect bank account details provided herein above.
Place :
Signature / Thumb Impression of the Subscriber**

** Left thumb impression in case of illiterate male claimant and Right thumb impression in case of illiterate female
Declaration by Nodal Office(for government sector subscribers):*

I/We hereby declare that the subscriber Sh./Smt/Kum with
PRAN is employed with us and I have verified the genuineness of the reasons for his/her withdrawal request and bank
details submitted by him/her in respect of his/her request for partial withdrawal are correct.
Registration No. of DDO

Signature & stamp of the DDO
Registration No. of PAO/CDDO/DTO

Signature & stamp of the DTO/PAO/CDDO
Declaration by POP/Aggregator(for Non government sector subscribers):

I hereby declare that the subscriber Sh./Smt/Kum with PRAN
has signed/thumb impressed before me after he/she has read the entries/have been read over by him/her for the request of partial withdrawal under NPS.
I have verified the genuineness of the reasons for his/her withdrawal request and bank details submitted by him/her in respect of his/her request for partial
withdrawal are correct.
Registration No. of POP-SP/NL-CC/CHO

Signature & stamp of the Authorised person at POP-SP/NL-CC /CHO

Registration No. of POP/NL-AO

Signature & stamp of the Authorised person at POP/NL-AO
ACKNOWLEDGMENT RECEIPT
Acknowledgment slip to the NPS Subscriber on receipt of partial withdrawal application form
(To be filled by DDO/CDDO/PAO/DTO/POP/Aggregator)
Received from PRAN :
DDO/POP-SP/NL-CC Registration Number: Date d d / m m / y y y y
PAO/CDDO/DTO/POP/NL-AO Registration Number Received at

Acknowledgement Number
2 of 2
FORM: 601 PW
(Under Regulation 8 of PFRDA (Exits & Withdrawals under NPS) Regulations 2015 and amendments thereto)
Instructions
Instructions for filling up the form:

2. The Subscriber shall submit the application to the respective Nodal Office/POP/Aggregator for processing of request.
3. Before submitting the withdrawal form, subscriber should ensure that the bank account details are matched from the bank passbook/ bank statement
or cheque etc to ensure that the details are correct. Subscriber should also attach the bank proof (cancelled cheque/copy of bank passbook/bank
certificate) with the Partial Withdrawal Form submitted.
4. Subscriber should specify the purpose of Partial Withdrawal and a proof need to be submitted for the same.
5. Subscriber should be in the NPS atleast for a period of 3 years.
A subscriber shall be permitted to withdraw not exceeding 25% of the contributions made by such subscriber to his/her individual pension account,
6. The Nodal officer/POP/Aggregator must verify the details of the bank account of subscriber.
7. Withdrawal amount received after the execution of the withdrawal request can be different from the requested amount to the extent of difference in NAV
of two different days.
8. The withdrawal amount shall directly be credited to the bank account of the subscriber as mentioned in the withdrawal form.
9. In case, the subscriber already owns either individually or in the joint name a residential house or flat, other than ancestral property, no withdrawal under
PFRDA regulations is permitted.
10. Treatment of specific illness covers the subscriber, his legally wedded spouse, children, including a legally adopted child or dependent parents suffer
from the specified illness, which shall comprise of hospitalization and treatment.
11. Withdrawal under skill development/re-skilling is applicable as per following conditions:
• Skill Development program/activities sponsored by employer for employees is not eligible for partial withdrawal
• Amount which can be released under Skill Development option shall be subject to the actual fee of the course/training, subject to the maximum
ceiling of 25% of employees own contribution without considering returns thereto.
• Duration of the course should be of 3 months or more
• The course should be either a regular program or distance education program or a skill development program
12. Withdrawal under establishment of own venture or any start up is applicable to subscribers registered under All India Citizen (UOS) sector only
13. For further details regarding point no 11 & 12 kindly refer PFRDA Circular No: PFRDA/2018/55/Exit/5 dated August 06, 2018.
14. The permitted withdrawal shall be allowed only if the eligibility criteria and limit for availing the benefit are complied with by the subscriber.
15. Frequency: the subscriber shall be allowed to withdraw only a maximum of three times during the entire tenure of subscription under the National
Pension System.
16. For more detailed description of Partial Withdrawal option under NPS, please refer Regulation 8 of PFRDA (Exits & Withdrawals under NPS) Regulations
2015 and amendments thereto
17. The Nodal office/POP/Aggregator shall capture the details of the subscriber mentioned on the form and forward the same to NPS Claims Processing
Cell (NPS CPC) at address mentioned below:
NPS Claim Processing Cell,
Central Record Keeping Agency, NSDL,
10th Floor, Times Tower, Kamala Mills Compound,
Senapati Bapat Marg, Lower Parel West, Mumbai - 4000013
18. Document to be submitted for availing partial withdrawal.
Sr.
Type of Withdrawal Documents Required
No.
1. For Higher education Copy of admission letter of the Institute along with Fees schedule
2. For marriage of his or her children Self-Declaration
3. For purchase or construction of a residential house or ��in his or her Photocopy of Title Documents of the Property. Approved Plan and
own name or in a joint name with his or her legally wedded spouse self-declaration OR Loan offer letter from a housing �� company
or a Bank and self-declaration
4. For treatment of �� illnesses: if the subscriber, his legally ��from Doctor
wedded spouse, children, including a legally adopted child or
dependent parents.
5. to meet medical and incidental expenses arising out of the disability Disability ��from a Government surgeon or Doctor (treating
or incapacitation suffered by the subscriber such disability or invalidation of subscriber) stating the nature and
extent of disability and also certifying that subscriber need not be
discharged from duty.
6. For Skill development/re-skilling or any other self-development a) Admission/Sanctions letter from university in India/abroad with fee
activities detail
b) For distance learning programs, copy/s of invoice/s which ��
the payment of required fee for desired course
c) For other skill development programmes, copy of invoices
��payment of fee for the desired course
d) study leave sanction letter/NOC provided by the organisation/
department/ministry, if required in terms of the employee’s service
conditions (not applicable where employee-employer relationship
does not exists)
7. For Establishment of own venture or any start-up a) Registration C�� of entity
b) Proof of ownership of the entity (it should be in the name of the
subscriber)
c) Registration number issued by Government Authorities like GST/
Income Tax/Govt. Departments
National
Pension
System
NATIONAL PENSION SYSTEM – PAN & AADHAAR UPDATION FORM
For Nodal Office# use:

Nodal Office Registration No.:
Entered By: Date:
Verified By: Date:
Date Acknowledgement Number (Generated by CRA) :
Dear Sir/Madam,
I hereby submit a request to update my PAN and/or seed Aadhaar in my NPS account.
PRAN*:
Name of the Subscriber *:
A PAN Number:
B Aadhaar Number:
Declaration
I hereby authorize CRA registered with Pension Fund Regulatory and Development Authority (PFRDA) to use my Aadhaar details for National Pension System (NPS) and
authenticate my identity through the Aadhaar Authentication system (Aadhaar based e-KYC services of UIDAI) in accordance with the provisions of the Aadhaar (Targeted
Delivery of Financial and other Subsidies, Benefits and Services) Act, 2016 and the allied rules and regulations notified thereunder. I understand that the Aadhaar details
(physical and / or digital, as the case maybe) submitted for availing services under NPS will be maintained in NPS till the time the account is not inactive in NPS or the
timeframe decided by PFRDA, the regulator of NPS, whichever is later. I understand that Security and confidentiality of personal identity data provided, for the purpose of
Aadhaar based authentication is ensured by CRA registered with PFRDA till such time it is acting as CRA for my NPS account.
Date d d / m m / y y y y Signature / Thumb impression of the

Subscriber (LTI in case of male and RTI
Place in case of Female)
TO BE FILLED/ATTESTED BY DDO

Rubber Stamp of the DDO
Name : Designation:

Rubber Stamp of the Nodal Office
Name : Designation:
# Nodal Office refers to PAO/DTO/DTA/POP/POP-SP.
Submit the copy of self attested Aadhaar card or e-Aadhaar along with originals for verification.
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Annexure B
Documents to be enclosed with the application
1. List of documents acceptable as Proof Identity and Address for exit under NPS (for all
variants):-
Sl. Proof of Identity (Copy of any one Proof of Address (Copy of any one of the given
No of the given below documents) below documents)
Passport issued by Government of Passport issued by Government of India
a
India
Ration Card with Photograph Ration card with photograph and residential
b address
Bank pass book or Certificate with Bank Pass book or certificate with photograph and
c Photograph residential address
Voters Identity card with Voters Identify card with photograph and
d photograph and residential address residential address
Valid Driving license with Valid Driving license with photograph and
e photograph residential address
PAN Card issued by income tax Letter from any recognized public authority at the
department level of Gazetted officer like District Magistrate,
f
Divisional Commissioner, BDO, Tehsildar,
Mandal Revenue Officer, Judical Magistrate etc.
Certificate of identify with Certificate of address with photograph signed by a
photograph signed by a Member of Member of Parliament or member of Legislative
g
Assembly
Aadhar Card/letter issued by Adhar Card/Letter issued by unique
h Unique Identification Authority of identification Authority of India Clearly showing
India the address.
Job Cards issued by NREGA duly Job cards issued by NREGA duly signed by an
i signed by an officer of the State Officer of the State Government
Government
Photo Identity card issued by Latest Electricity/Water bill in the name of the
j Government Defence, Paramilitary subscriber / Claimant and showing the address
and Police Department's (Less than 6 months old)
Ex-Service Man Card issued by Latest Telephone bill in the name of the
k Ministry of Defence to their subscriber/ Claimant and showing the address
employees (less than 6 months old)
Photo credit Card Latest property/house Tax Receipt (not more than
l one year old)
Existing Valid registered lease agreement of the
house on stamp paper (in case agreement of the
m - house on stamp paper (in case of rented/leased
accommodation)
Page 1 of 2
2. In addition to the above, Original PRAN card is required. In case PRAN card is not
available, the subscriber needs to submit a duly notarized Affidavit as to the reasons of
non-submission of the PRAN card.
3. Cancelled cheque (containing Subscriber Name, Bank Account Number and IFS Code) or
Bank Certificate Containing Name, Bank Account Number and IFS Code, if opted for
direct credit or electronic transfer.
4. A pre-signed receipt acknowledging the receipt of the proceeds under NPS by the
subscriber/claimant/nominee.
5. In case of Withdrawal of Accumulated Pension Wealth by Claimant/Nominee due to the

death of a subscriber, the Claimant/Nominee needs to submit Death certificate in original
of the deceased subscriber.
-----------------x-------------------x---------------------x----------------
Page 2 of 2
Form 303 Page 1
Withdrawal Form for Claim of Accumulated Pension Wealth by Claimant(s) due to death of the subscriber
Date : Acknowledgement Number :
(DD/MM/YYYY) (Generated by CRA)
POP Registration No.:___________________ POP-SP Registration No.:___________________
Receipt Number issued by receiving office:
Entered By: ___________________ Date: ________________ Verified By: ___________________ Date: __________________
Sir/Madam,
I/We being a nominee(s)/legal heir(s)/guardian of minor nominee(s) or minor heir(s) of the deceased subscriber apply for the payment of the
accumulated pension wealth of the deceased subscriber under the NPS and give below the necessary details:
Section A – Subscriber’s Details:
1. PRAN *:
2. Full Name (As in PRAN Card) *:

First Name*
Middle Name
Last Name
3. Father’s name/Spouse’ Name *:

First Name*
Middle Name
Last Name
4. Date of Birth of the deceased subscriber *(As in PRAN Card): (DDMMYYYY)
Section B – Nominee’s Details:
1. Name of the Nominee* (Please refer instruction no.1-3 under section “This application should be filled by”):
First Name* First Name* First Name*
2. Nominee’s Address*:
Flat/Unit No, Block no*_________________________ Flat/Unit No, Block no*_________________________ Flat/Unit No, Block no*________________________
____________________________________________ ____________________________________________ ___________________________________________
Name of Premise/Building/Village ________________ Name of Premise/Building/Village ________________ Name of Premise/Building/Village _______________
____________________________________________ ____________________________________________ ___________________________________________
Area/Locality/Taluka___________________________ Area/Locality/Taluka___________________________ Area/Locality/Taluka_________________________
____________________________________________ ____________________________________________ ___________________________________________
District/Town/City*____________________________ District/Town/City*____________________________ District/Town/City*___________________________
____________________________________________ ____________________________________________ ___________________________________________
State / Union Territory*_________________________ State / Union Territory*_________________________ State / Union Territory*________________________
____________________________________________ ____________________________________________ ___________________________________________
Country*______________ Pin Code*______________ Country*______________ Pin Code*____________ Country*_____________ Pin Code*_____________
Form 303 Page 2

4. Relationship with the Subscriber*:

6. Nominee’s Guardian Details*(only in case of a minor):

First Name* First Name* First Name*
7. Nominee/Guardian Email id*(If nominee is minor, email id of guardian to be provided):

1st Nominee : 2nd Nominee: 3rd Nominee:
Section C – Nominee’s Bank Details (Please refer General Instruction no.6):

I. Bank Details of the 1 st Nominee:
1. For Electronic transfer or Direct Credit through ECS/NEFT/RTGS, Proof attached for Bank Details *:
Cancelled Cheque Bank Certificate
2. Type of Bank Account*: Savings A/c Current A/c
3. Bank A/c Number*
4. Bank Name*
5. Bank Branch*
6. Bank Address*
7. Pin Code * 8. Bank IFS Code*
9. Bank MICR Code (Wherever applicable)
II. Bank Details of the 2 nd Nominee:
1. For Electronic transfer or Direct Credit through ECS/NEFT/RTGS, Proof attached for Bank Details*:
3. Bank A/c Number*
4. Bank Name*
5. Bank Branch*
6. Bank Address*

Form 303 Page 3
III. Bank Details of the 3rd Nominee:
1. For Electronic transfer or Direct Credit through ECS/NEFT/RTGS, Proof attached for Bank Details *:
3. Bank A/c Number*
4. Bank Name*
5. Bank Branch*
6. Bank Address*
I/We (as mentioned below), the nominee(s)/legal heir(s)/guardian of minor nominee(s) or minor heir(s) of NPS Subscriber Shri/Smt._______________
________________________________do hereby declare that the information provided above is true to the best of my/our knowledge and belief.
1st Nominee or of guardian of 1 st Nominee 2nd Nominee or of guardian of 2 nd Nominee 3rd Nominee or of guardian of 3rd Nominee
Signature/Left Thumb Signature/Left Thumb Signature/Left Thumb

Impression* Impression* Impression*
Name of 1st Nominee or of guardian of 1st Name of 2nd Nominee or of guardian of 2nd Name of 3rd Nominee or of guardian of 3rd
Nominee ______________________________ Nominee ______________________________ Nominee ______________________________
______________________________________ ______________________________________ ______________________________________
Date : Date : Date :

D D M M Y Y Y Y D D M M Y Y Y Y D D M M Y Y Y Y
Self attested Self attested photograph of Self attested photograph of

photograph of the the nominee/guardian the nominee/guardian
nominee/guardian
*Note: Left thumb impression in case of illiterate male claimants and Right thumb impression in case of illiterate female claimants must be
obtained.
----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
TO BE FILLED/ATTESTED BY POP/POP-SP
Certified that the above declaration and details has been signed / thumb impressed before me by _____________________________ ___
____________________________after the nominee(s)/legal heir(s)/guardian of minor nominee(s) or minor heir(s) has read the entries / entries have
been read over to him / her by me and got confirmed by him / her.
Rubber Stamp of the POP/POP-SP Signature of the Authorised Person
POP/POP-SP Registration Number _______________________ Designation of the Authorised Person : ________________________________

(Allotted by CRA)
POP/POP-SP Office Name : _________________________________________
Date :
D D M M Y Y Y Y
Form 303 Page 4
CLAIM FOR THE WITHDRAWAL OF ACCUMULATED PENSION WEALTH BY CLAIMANTS – DUE TO THE
DEATH OF THE SUBSCRIBER
This application should be filled by:-

1. If a valid nomination subsists by the Nominee (s), if the nominee (s) is/are minor (s) guardian of the minor(s)
2. If no nomination subsists: By the family members (family includes posthumous child if any) except major sons and married
daughters whose husbands are live, of the deceased family member duly supported by a list of surviving family members
furnished by Executive Magistrate indicating complete particulars such as name, relationship with the deceased member (in
case of parents whether dependent or not) age, marital status. Also, if any family member is minor by the guardian of the
minor.
3. If both 1 & 2 above are not applicable by legal heir (s) duly supported by a ‘legal heir certificate’ from the appropriate sate
authority (Revenue dept).
Documents to be enclosed with the application:-

1. Death certificate in original of the deceased subscriber.
2. Copy of PRAN card. In case PRAN card is not available, a duly notarized affidavit as to the reasons of non-submission of the
PRAN card is needs to be submitted.
3. Certified copy of family member’s certificate issued by Executive Magistrate for cases where no nomination was registered with
us.
4. Legal heir certificate when the claim is being made by.
5. Cancelled cheque (containing nominee Name, Bank Account Number and IFS Code) or Bank Certificate containing Name, Bank
Account Number and IFSC code, if opted for direct or electronic transfer.
6. A pre-signed receipt acknowledging the receipt of the proceeds by nominee/nominees/legal heir (as applicable)
7. Identification and address proof of the nominee or nominees, in case of multiple nominees. The documents that can be provided as
identification and address proof are as mentioned below:
a) Ration Card with photograph and residential address
b) Bank Passbook with photograph and residential address
c) Credit Card with photograph, any other address proof like latest telephone bill,
electricity bill in the name of the nominee.
d) Passport
e) Aadhar Card issued by UIAD
f) Voter’s Photo Identity Card with residential address
g) Driving license with photograph and residential address
h) PAN card and any other address proof like latest telephone bill, electricity bill in the name of the nominee.
i) Certificate of identity with photograph signed by a Member of Parliament or Member of Legislative Assembly or
Municipal Councilor or a Gazetted Officer and any other address proof like latest telephone bill, electricity bill in
the name of the nominee
In case if the address is not present on any of the above documents or differs with address provided in this form, proof in respect of
current residential address like latest telephone bill, electricity bill in the name of the nominee should be submitted.
INSTRUCTIONS FOR FILLING UP THE FORM
1. All the columns in the form should be filled with black ink pen without any overwriting
2. Fields marked with (*) are mandatory.
3. The day on which CRA receives the confirmation of funds transferred to Subscriber’s nominee(s) accounts; the PRAN will be
deactivated in the CRA System.
4. Correct postal address, including the pin code should be provided
5. The literate claimant should sign the application form. In case of the claimant being illiterate, Left hand thumb impression by
illiterate male claimant and Right hand thumb impression by illiterate female should be affixed in the claim form.
6. If the Nominee/ legal heir is minor, Bank account number should be in the name of nominee/ legal heir. Bank account’s guardia n
should be same as mentioned in the withdrawal form.
For the purpose of this document Pension Wealth means: The total amount of contributions made by the subscriber in the scheme plus
the investment income derived from the investment of the contributions made by the subscriber from the date of joining of National
Pension System till the date of execution of withdrawal request in the CRA System.
Form 303 Page 5
CLAIM FOR THE WITHDRAWAL OF ACCUMULATED PENSION WEALTH BY CLAIMANTS –

DUE TO THE DEATH OF THE SUBSCRIBER UNDER National PENSION SYSTEM
Advanced Stamped Receipt

1st Nominee/ Guardian of 1st Nominee (if nominee is minor)
Received a sum of Rs. /- (Rupees………………………………………………………………...……...…….Only)

from National Pension System / National Pension System Trust by deposit in my Saving Bank / Current account towards the
settlement of National Pension System account of late
Shri/Smt……………………………………………………………...with PRAN Number ………………………………
Affix 1 Rupee
Revenue Stamp
and sign across
Signature or Left/ Right hand thumb impression of the Nominee/Guardian*

--------------------------------------------------------------------------------------------------------------------------------------------------------------------
2nd Nominee/ Guardian of 2nd Nominee (if nominee is minor)

settlement of National Pension System account of late Shri/Smt…………………………………………………………….with
PRAN Number ………………………………
Affix 1 Rupee
Revenue Stamp
and sign across
--------------------------------------------------------------------------------------------------------------------------------------------------------------------
3rd Nominee/ Guardian of 3rd Nominee (if nominee is minor)

settlement of National Pension System account of late Shri/Smt…………………………………………………………….with
PRAN Number ………………………………
Affix 1 Rupee
Revenue Stamp
and sign across
--------------------------------------------------------------------------------------------------------------------------------------------------------------------
(*Note: Left thumb impression in case of illiterate male claimants and right thumb impression in case of illiterate
female claimants must be obtained.)
Form 303 Page 6
Acknowledgment slip to the 1st Claimant on receipt of completed application form for Withdrawal due to death of the subscriber
POP-SP Registration Number : _____________________ POP Registration Number: ___________________________
Received at: _________________________ Date : ____________________________ Time: __________________
Acknowledgement Number :
(Generated by CRA)
.........................................................................................................................................................................................................
Acknowledgment slip to the 2nd Claimant on receipt of completed application form for Withdrawal due to death of the subscriber
(Generated by CRA)
.........................................................................................................................................................................................................
Acknowledgment slip to the 3rd Claimant on receipt of completed application form for Withdrawal due to death of the subscriber
(Generated by CRA)
(On Rs.100 Stamp paper)
INDEMNITY BOND
I, ___________, _____(relationship) of Late __________________, resident of

___________________________________________________ hereby undertake to indemnify the
CRA/PFRDA/NPS Trust for any loss or detriment that may be caused on account of settling
the claim for withdrawal of accumulated pension wealth due on the death of my ____________,
Late _____________________, in my favour on behalf of other legal heirs of the said Late
________________ Viz., _________________________________.
Place: (______________)
Date: Signature of Deponent
Page no. 1
NATIONAL PENSION SYSTEM (NPS) - REQUEST FOR CONTINUATION/DEFERMENT
NSDL E-GOVERNANCE INFRASTRUCTURE LIMITED
(Please fill all the details in CAPITAL LETTERS & in BLACK INK only. All fields / sections marked in * are mandatory.)
Section A - General Information* (Mandatory for all Subscribers. Please tick the respective block which is applicable.)
I) Subscriber’s Name *:
II) PRAN (Permanent Retirement Account Number) *:
III) Date of Retirement/ Attaining 60 years *: / /
IV) Mobile Number *: + 9 1
V) Email Id:
VI) Target PRAN association (In case of Government & Corporate Subscribers) (Refer Instruction No. II)
a) Sector: * eNPS POP (Kindly provide POP Reg. No & Name)
b) POP Reg. No: * POP Name: *
VII) PAN*
Section B: Type of Deferment* (Mandatory for all Subscribers. Please tick the respective block which is applicable.)
Deferred Lump sum – (Lump sum part will be deferred till 70 years of age – No contribution is allowed)
Deferred annuity – (Annuity part will be deferred for 3 years – No contribution is allowed)
Both – (Annuity will be deferred for 3 years & Lump sum will be deferred for 10 years i.e till 70 years of age – No contribution is allowed)
Continuation – (Subscriber will continue to contribute till 70 years of age)
Age up to which subscriber would like to contribute (mandatory if subscriber opts for continuation) (subscriber won’t be able to contribute in PRAN
after the age selected in this option)
61 62 63 64 65 66 67 68 69 70
Reason for Delay in submission of request - it is mandatory for those subscribers who have not exercised the continuation option within the period
of fifteen days prior to attaining the age of sixty years or age of superannuation
I forgot to opt for continuation within stipulated time
I was not aware of Continuation option
Other (kindly write reason for delay in application)

Declaration (Applies to Subscribers across all sectors):
I agree to be bound by the terms and conditions for the target sector (in which my PRAN will belong after processing of this Continuation/Deferment
request) and understand that CRA may, as approved by PFRDA, amend any of the services completely or partially without any new Declaration /
Undertaking being signed. Further, I agree to pay all the necessary charges, as applicable, of the target sector.
Date : Place :
Name of Subscriber :
Section C: SUBSCRIBER SCHEME PREFERENCE: (Only For Government Sector Subscriber) (Refer Instruction No III)
(i) PENSION FUND SELECTION – TIER I (Select only one PFM) (In case of Government Subscribers)
PFM Name (in alphabetical order) Please Tick (√) only one
(Selection of PFM is mandatory both in Active and Auto Choice. In case you do not indicate a choice of PFM, your application form shall be summarily
rejected).
1 of 2
(ii) INVESTMENT OPTION (Please Tick (√) in the box given below showing your investment option).

Please note:
(iii) ASSET ALLOCATION (To be filled up only in case you have selected the ‘Active Choice’ investment option)
E A Note: 1. The total allocation across E, C , G and A asset classes must

C G
Asset (Cannot (Cannot be equal to 100%. In case, the allocation is left blank and/or does not
(Max up (Max up Total
Class exceed exceed equal 100%, the application shall be rejected. 2. Asset class E-Equity and
to 100%) to 100%)
50%) 5%) related instruments; Asset class C-Corporate debt and related instruments;
Asset class G-Government Bonds and related instruments; Asset Class
Specify % A-Alternative Investment Funds including instruments like CMBS, MBS,
REITS, AIFs, Invlts etc
(iv) AUTO CHOICE OPTION (to be filled up only in case you have selected the ‘Auto Choice’ investment option. In case, you do not indicate a choice of
LC, your funds will be invested as per LC 50.)
Life Cycle (LC) Funds Please Tick (√) Only One

Note:
LC25
Date : Place :
Name of Subscriber :
TO BE FILLED/ATTESTED BY POP-SP/DDO/CHO
��
that the above declaration has been signed / thumb impressed before me by Sh/Smt/Ms. after he / she have
�� .
Rubber stamp of the POP-SP/DDO/CHO Signature of the Authorised Person
POP-SP/DDO/CHO Registration Number Designation of the Authorised Person :

(Allotted by CRA)
��
Date:
2 of 2
I. In case of UOS sector subscribers, existing POP and POP-SP will remain the same
II. In case of Government sector & Corporate sector subscribers, after Date of retirement subscriber mapping will change and hence selection of Target
�� .
III. In case of Government Sector subscriber, selection of Investment Option and Pension Fund Manager is mandatory
IV. In case of Government Sector Subscribers, balance in existing scheme will be redeemed on date of retirement and will be reinvested as per Investment
Option & Pension Fund Manager Selected.
V. Active choice - Under Active choice, Subscribers have an option to choose a fund manager and provide the ratio in which his / her funds are to be invested
among asset classes.
a) PFM selection is mandatory. The form shall be rejected if a PFM is not opted for.
b) Allocation under Equity (E) cannot exceed 50.
c) A Subscriber opting for active choice may select the available asset classes (“E”, “C”, “G”, & “A”). However, the sum of percentage allocation across
all the selected asset classes must equal 100. If the sum of percentage allocations is not equal to 100%, or the asset allocation table is left blank,
the application shall be rejected.
VI. Auto choice - Under Auto choice investment will be made in a lifecycle fund in the schemes of PFM chosen by Subscriber.
a) A Subscriber opting for Auto Choice must also select a PFM. . The form shall be rejected if a PFM is not opted for.
b) In case both investment option and the asset allocation table are left blank, the Subscriber’s funds will be invested as per Auto Choice.
For more details on investment options and asset classes, please refer to the scheme information available on CRA website (www.npscra.nsdl.co.in).
VII) G
overnment Sector Subscribers are requested to submit duly filled & authorized Continuation request form to NSDL-CRA Mumbai Office for
processing, till further notification.
(On Rs.100 Stamp paper)
RELINQUISHMENT DEED
This deed of relinquishment is made and executed on this ___day of ________ by

________________, ______(relationship) of Late _________________ and _________________,
____________ of Late ___________________,residents of _________________________________
_________________________________________________________, hereinafter called the
EXECUTANTS/RELEASORS
IN FAVOUR OF
________________, _______ (relationship) of Late ___________________ hereinafter called the

Releasee.
Whereas Late ________________, was a subscriber under the National Pension System with
PRAN ________________.
Whereas the said Late ____________ died intestate and without nominating anyone to receive
the claim for withdrawal of accumulated pension wealth, leaving behind the following legal
heirs:-
Sr no. Name Age Relationship Address

A
B
C
Page no. 1
NOW THIS DEED WITNESSETH AS UNDER:
The Executants/Releasers out of natural love and affection and without any monetary
consideration, hereby wish to release and relinquish their respective shares in the claim under
National Pension System, in favour of _________________, _____ (relationship) of Late
________________, and hereby affirm and declare that they and their legal heirs shall have no
right, claim or interest in the said claim for withdrawal of accumulated pension wealth of Late
________________ and same shall vest absolutely in the said _______________,
__________(relationship) of Late ________________, the Releasee.
IN WITNESS WHEREOF the Executants/Releasers and the Releasee have signed this deed of
relinquishment on this day, month and year first mentioned above in the presence of the
following witnesses;-
(A- _________________) (B-__________________) (C-__________________)
(Executants/Releasers)
Witnesses:
Particulars 1st Witness 2nd Witness

Name
Address
Signature
Page no. 2
Ver 1.5 NSRF
SUBSCRIBER REGISTRATION FORM FOR NON RESIDENT INDIAN (NRI) AND OVERSEAS CITIZEN OF INDIA (OCI)
Affix
Please select your category [Please tick ( ) ] Non Resident Indian (NRI) Overseas Citizen of India (OCI) recent photograph of
3.5 cm × 2.5 cm size /
To, Passport size
Dear Sir/Madam,
* indicates mandatory fields. Please fill the form in English and BLOCK letters with black ink pen. (Refer general guidelines at instructions page)
First Name*
Middle Name
Last Name
Applicant’s Maiden Name (if any)
Father's Name* F i r s t M i d d l e L a s t
Mother’s Name* F i r s t M i d d l e L a s t
Father’s name will be printed on PRAN card. In case, mother’s name to be printed instead of father’s name [ Please tick (P) ]
Date of Birth* d d / m m / y y y y (Date of Birth should be supported by relevant documentary proof)
Place of Birth*
Country of Birth*
Gender* [ Please tick (P) ] Male Female Transgender Nationality*
Marital Status* Married Unmarried Divorced
Spouse Name* F i r s t M i d d l e L a s t
PAN Card*
As per the Prevention of Money-Laundering (Maintenance of Records) , PAN or Form 60 is mandatory under NPS.
If you do not have PAN at present, please ensure that these details are provided within six months of submission of this Subscriber Registration Form.
2. IDENTITY DETAILS* (Documents need to be provided ) [Please tick ( ) ] Passport OCI Card (Mandatory for OCIs)
Passport No. / OCI Card No. Date of issue d d / m m / y y y y
Place of issue Passport Expiry Date d d / m m / y y y y
Visa/Work Permit Date of Expiry d d / m m / y y y y Passport with Visa/Work Permit [Please tick ()] Yes No
OCIs Foreign Passport No.
3. PROOF OF ADDRESS Overseas Address Proof Indian Address Proof (Mandatory for NRIs)
(PoA)* (Mandatory for OCIs)
Please tick (P), as Passport / OCI Card / Passport / Driving License / UID (Aadhaar) / Voter ID card / NREGA Job Card / Ration Card / Bank
applicable. #Not more Driving License / Others Passbook / Registered Lease / Sale agreement of residence / Municipal Tax Receipt / #Latest
than 2 months old. (specify) ....... Piped Gas / Water / Electricity / Telephone [Landline or postpaid mobile] Bill / �� issued
Please refer Sr.No. 2 of by Magistrate, DC, MLA, MP, Govt Depts., Authorities, PSBs, PSUs, Fis & POPs.
the instructions
4.1 OVERSEAS ADDRESS DETAILS* – Proof of Overseas Address is Mandatory for OCIs.
Address 1
Address 2
City
State / Province
Country ZIP / PIN Code
4.2 INDIAN ADDRESS DETAILS* – Proof of Indian Address in Mandatory for NRIs
Road/Street/Lane
Area/Locality/Taluk
1 of 4
Ver 1.5 NSRF
5. PREFERRED ADDRESS FOR COMMUNICATION
[Please tick(P)] Overseas Address Indian Address (Communication at overseas address would entail extra charges)
6. CONTACT DETAILS* (Include country code for Overseas phone numbers)

Landline Phone* (Overseas No.-with ISD code) +
Tel. (Res) : (with ISD code) +
Mobile* (Overseas No.) + (Mobile Number is required for communication and to get SMS alerts)
Email ID*
7. OTHER DETAILS ( Please refer to Sr no. 3 of the instructions )

 Occupation Details* [ please tick(P) ]
Self Employed Homemaker Student Others (please specify)
 Income Range (Rs. per annum) Upto 1 lac 1 lac to 5 lac 5 lac to 10 lac 10 lac to 25 lac 25 lac and above
 Educational Qualifications Below 10th std 10th 12th Graduate Masters Professionals ( CA, CS, CMA, etc.)
 Please Tick (P) If Applicable Politically exposed person Related to Politically exposed Person (Please refer instruction no.3)
8. SUBSCRIBER BANK DETAILS* ( Please refer to Sr no. 4 of the instructions )#

(All bank details are mandatory except MICR Code)
Account Type [ please tick(P) ] NRE Account NRO Account
Bank A/c Number
Bank Name
Branch Name
Branch Address PIN Code/ZIP
City Country
# NRIs/OCIS should make contributions through NRE/FCNR/NRO account only.
9. SUBSCRIBERS NOMINATION DETAILS* (Please refer to Sr. No . 5 of the instructions)
Name of the Nominee (You can nominate up to a maximum of 3 nominees and if you desire��
Annexure II (Additional Nomination Form) provided separately)
Relationship with the Nominee

Date of Birth (In case of Minor) d d / m m / y y y y
10. REPATRIATION OPTION (Please tick (P) as applicable)

I would like to open account on* Repatriation Basis Non-Repatriation Basis
For Repatriation of corpus, the contributions should be made from NRE account only.
I would like my PRAN to be printed in Hindi YES NO If Yes, please submit details in Annexure I
11. PENSION FUND (PF) SELECTION AND INVESTMENT OPTION* (Please refer to Sr. No. 6 of the instructions)
(i) PENSION FUND SELECTION (Tier I) : Please read below conditions before opting for the choice of Pension Funds:
(a) Subscriber to choose any one of the PFs as per their choice, in the table below:
*Names of the Pension Funds are given in alphabetical order.
Name of the Pension Fund (Please select only one) Please Tick (√) Only One
* Selection of Pension Fund is mandatory both in Active and Auto Choice.
(Please Tick (P) in the box given below showing your investment option).
Please note:
1. In case you select �� .
3. In case you have opted for Auto Choice and �� up section (iii) below relating to Asset Allocation, the Asset Allocation instructions will be ignored and investment will
be made as per Auto Choice (LC 50).
E C G A Asset class E-Equity and related instruments; Asset class C-Corporate debt and
Asset Class (Cannot (Max up to (Max up to (Cannot Total related instruments; Asset class G-Government Bonds and related instruments;
exceed 75%) 100%) 100%) exceed 5%) Asset Class A-Alternative Investment Funds including instruments like CMBS,
Specify % 100% MBS, REITS, AIFs, Invlts etc.
Please note:
2. From 51 years and above, maximum permitted Equity Investment will be as per the equity allocation matrix provided in Annexure A. The tapering off of equity
3. The total allocation across E, C, G and A asset classes must be equal to 100%. In case, the allocation is left blank and/or does not equal 100%, the application shall
be rejected.
(iv) Auto Choice Option (to be filled up only in case you have selected the ‘Auto Choice’ investment option). In case, you do not indicate a
choice of LC, your funds will be invested as per LC 50.
Life Cycle (LC)Funds Please Tick (P) Only One Note: 1. LC 75- It is the Life cycle fund where the Cap to Equity investments is 75% of the total asset
LC 50
2 of 4
Ver 1.5 NSRF
12. DECLARATION ON FATCA* (Foreign Account Tax Compliance Act) COMPLIANCE ( Please refer to Sr no. 7 of the instructions ):
Section I *
US Person* Yes No
Section II *
For the purposes of taxation, I am a resident in the following countries and my T��
out below or I have indicated that a ��
Address Line 1
City/Town/Village
Address in the jurisdiction for Tax
Residence
State
ZIP/Post Code
T��
TIN/ Functional equivalent Number Issuing Country
Validity of documentary evidence provided (Wherever applicable) dd / mm / yyyy dd / mm / yyyy dd / mm / yyyy
“I certify that:
a) It shall be my responsibility to educate myself and to comply at all times with all relevant laws relating to reporting under section 285BA of the Act read
with the Rules 114F to 114H of the Income tax Rules, 1962 thereunder and the information provided in the Form is in accordance with the aforesaid
rules,
b) the information provided by me in the Form, its supporting Annexures as well as in the documentary evidence are, to the best of my knowledge and
belief, true, correct and complete and that I have not withheld any material information that may affect the assessment/categorization of the account
as a Reportable account or otherwise.
c) I permit/authorise the NPS Trust to collect, store, communicate and process information relating to the Account and all transactions therein, by the
NPS Trust and any of NPS intermediaries wherever situated including sharing, transfer and disclosure between them and to the authorities in and/or
��
d) I undertake the responsibility to declare and disclose within 30 days from the date of change, any changes that may take place in the information
provided in the Form, its supporting Annexures as well as in the documentary evidence provided by me or if any �� becomes incorrect and to
��
e) I also agree that in case of my failure to disclose any material fact known to me, now or in future, the NPS Trust may report to any regulator and/or any
authority designated by the Government of India (GOI) /RBI/IRDA/PFRDA for the purpose or take any other action as may be deemed appropriate by
the NPS T��
f) I hereby accept and acknowledge that the NPS Trust shall have the right and authority to carry out investigations from the information available in
�� Trust
g) I also agree to furnish such information and/or documents as the NPS Trust may require from time to time on account of any change in law either in
India or abroad in the subject matter herein.
Place :
Signature/Thumb Impression* of Applicant
Name of Applicant
13. DECLARATION BY APPLICANT* ( Please refer to Sr no. 8 of the instructions )

Declaration & Authorization by all applicant
I have read and understood the terms and conditions of the National Pension System and hereby agree to the same along with the PFRDA Act, regulations framed thereunder
I further agree to be bound by the terms and conditions of provision of services by intermediaries registered with PFRDA, from time to time and any amendment thereof as approved
by PFRDA, whether complete or partial without any new declaration being furnished by me. I shall be bound by the terms and conditions for the usage of I-PIN (to access CRA website
and view details) & T-PIN.

the right to peruse my �� or share the information, with other government authorities. I further agree that NPS Trust has the right to close my PRAN in case I am
Place : Signature/Thumb Impression* of Applicant

3 of 4
Ver 1.5 NSRF
14. DECLARATION BY EMPLOYER / CORPORATE
Applicable to Corporate Employees only
Employees Employment Details to be filled and attested by Corporate (All Details are Mandatory)
Date of Joining D D M M Y Y Y Date of Retirement D D M M Y Y Y Y
Employee Code/ID
��
employment details provided above are as per the service record of the employee maintained by us. ��
��
.
Date :
Place :
Signature of the Authorised person (in the box above) Rubber Stamp of the Corporate (in the box above)
15. DECLARATION BY POINT OF PRESENCE (POP)

Receipt No. (17 digits)
POP-SP Registration Number
Copy of PAN card submitted Yes No KYC Compliance Yes No
Documents Received: (Originals V�� (Attested) True Copies
Identity Verification Done
Existing Customer of the POP:

��
.
The above applicant is having an operative Bank / Demat / Folio / ....................... account (specify nature of the account) having account number /
client ID.......................maintained at .............. branch / ��
The KYC documents available with us for this NRI/OCI customer / client matches the
requirement for opening NPS account and are in compliance with PML Rules. I/We further ��that the Bank a/c of Sh / Smt / Kum ...................... is
an NRE/NRO account (applicable in case of Bank PoP)
Name:
Designation: Place:
[To be filled by CRA - Facilitation Centre (CRA-FC)]
Received by CRA-FC Registration Number
Acknowledgement Number (by CRA-FC)
PRAN Allotted
ACKNOWLEDGEMENT
Contribution Amount Remitted: `
Date of Receipt of Application and Contribution Amount: d d / m m / y y y y
Stamp and Signature of the PoP:
4 of 4
Ver 1.5 NSRF
General Guidelines
(a) Please �� the form in legible handwriting so as to avoid errors in your application processing. Please do not overwrite. Corrections should be made by cancelling and re-writing and such corrections should
be countersigned by the applicant. Each box, wherever provided, should contain only one character (alphabet / number / punctuation mark) leaving a blank box after each word.
(b) In case, you mention the CKYC number submission of proof for the same is necessary.
(c) Applications incomplete in any respect and/or not accompanied by required documents are liable to be rejected. The application is liable to be rejected if mandatory �� are left blank or the application form
is printed back to back
(d) The applicant should not sign across the photograph. The photograph should not be stapled or clipped to the form. If there is any mark on the photograph such that it hinders the clear visibility of the face of
the applicant, the application shall not be accepted.
(e) Copies of all the documents submitted by the applicant should b�� K
(f) Name and Address of the applicant mentioned on the form, should match with the documentary proof submitted.
(g) The applicant thumb’��J SP.
S. Item Item Details Instructions
No No.
i. This Form is applicable only for Non Resident Indians (NRIs) & Overseas Citizen of India (OCIs)
Personal Details ii. Currently, Foreign Nationals and Persons of Indian Origin (PIO) are not allowed to open PRAN.
iii. The applicant shall mention father’s name and mother name and shall select the option to be printed on PRAN Card
Father’s Name ii. If father’�� Annexure II for the same.
i. Mother’s name is mandatory
Mother’s Name ii. If Mother’�� Annexure II for the same.
S.No Proof of Address (Copy of any one) - For NRIs S.No Proof of Address (Copy of any one) - For OCIs
1 Passport issued by Government of India 1 Passport issue by Country of his/her Citizenship
2 Ration card with photograph and residential address 2 ��
3 Bank Pass book or Bank �� with photograph and 3 Valid Driving License with photograph and residential address
residential address
4 �� for an existing customer. 4 NRE/NRO Bank Pass book or Bank’s �� with photograph
and residential address
5 Voters Identity card with photograph and residential address 5 Bank account statement in the country of residence
6 Valid Driving license with photograph and residential address 6 Any other document issued by the Government of India or the
Government of the Country of his/her Citizenship evidencing the
overseas address provided
7 Letter from any recognized public authority at the level of
Gazetted �� like District Magistrate, Divisional commissioner,
BDO, Tehsildar, Mandal Revenue ��, Judicial Magistrate
etc.
8 �� of address with photograph signed by a Member of
9 Aadhar Card / letter issued by Unique �� Authority of
Address Details India clearly showing the address
10 Job cards issued by NREGA duly signed by an �� of the
3, 4 State Government
2 11 The identity card/document with address or letter of allotment
&5
of accommodation issued by any of the following: Central/
State Government and its Departments, Statutory/Regulatory
Authorities, Public Sector Undertakings, Scheduled Commercial
Banks, Financial Institutions and listed companies for their
employees. Pension or Family Pension Payment Orders issued
12 Latest Electricity/water/piped gas bill in the name of the
Subscriber / Claimant and showing the address (less than 2
months old)
13 Latest Telephone bill (landline & postpaid mobile) in the name of
the Subscriber / Claimant and showing the address (less than
2 months old)
14 Latest Property/house Tax receipt (not more than one year old)
Note:
(i) If the address in the identity proof is same as that declared by him/her in the account opening form, the document may be accepted as a valid proof of both
identity and address.
(ii) If the address indicated on Passport / OCI Card differs from the address mentioned in the account opening form, a separate proof of address should be
obtained.
(iii) An NRI applicant is required to furnish an Indian address.
Other Details Fund transfers by NRIs /OCIs would be subject to regulatory requirements as prescribed by RBI / Government from time to time and FEMA requirements.
(Occupation Details)
3 7 Politically Exposed Persons’ (PEPs) are individuals who are or have been entrusted with prominent public functions in a foreign country, for example heads of
Politically Exposed state or of the government, senior politicians, senior government, judicial or military �� senior executives of state-owned corporations, important political
Person ��
Applicant is required to provide the details of NRE/NRO account only . Please attach proof for the bank details containing Subscriber Name, Bank Name, Bank
Account Number and IFS Code (any one of the following)
(i) Cancelled Cheque
4 8 Applicant Bank Details (ii) A copy of bank passbook
(iii) Bank statement
��
(v) Letter from Bank
In case of more than one nominee, percentage share value for all the nominees must be integer. Decimals/Fractional values shall not be accepted in the
5 9 Nomination Details nomination(s). Sum of percentage share across all the nominees must be equal to 100. If sum of percentage is not equal to 100, entire nomination will be rejected.
Pension Fund (PF) For more details on ‘Investment Option’, you may visit NPS Trust website <www.npstrust.org.in>
6 11 Selection and
Investment Option
�� g 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 �� 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
12 Declaration by Applicant number with an equivalent level of ��
7 (a “Functional equivalent”), the same may be reported. Examples of that type of number for individual include,
on FATCA Compliance a social security/insurance number�� ent registration number)
• If applicant residence for tax purpose in jurisdiction(s) within India, Permanent Account Number (PAN) to be provided as T��
• 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
�� to be provided
Signature / Thumb impression should only be within the box provided in the form. Thumb impression, if used, should be attested by the designated �� of POP/
8 13 Declaration by Applicant POP-SP�� Thumb Impression in case of males and Right Thumb Impression in case of females.
General Information for Applicant
a) The applicant can obtain the status of his/her application from CRA�� .
b) Applicant are advised to retain the acknowledgement slip signed/ stamped by t��
c) For more informa��W
Call: 022-4090 4242
1st Floor, Times Tower, Kamala Mills Compound,Senapati Bapat Marg,
5 of 4
Ver 1.4 Annexure A to NRSF
Upto 50 75%
51 72.50%
52 70%
53 67.50%
54 65%
55 62.50%
56 60%
57 57.50%
58 55%
59 52.50%
60 & above 50%
Please note:
Ver 1.5 Annexure I to NSRF
ADDITIONAL REQUEST DETAILS
1. Name of Father (required if name exceeds 30 characters and not able to be covered on page 1 of the application form)
First Name
Middle Name
Last Name
2. Name of Mother (required if name exceeds 30 characters and not able to be covered on page 1 of the application form)
First Name
Middle Name
Last Name
3. Request for Printing Permanent Retirement Account Number (PRAN) card in Hindi (required only if applicant wants PRAN
card in Hindi)
Please provide the following details in Devnagri script for printing the PRAN card in Hindi. Also, please note that the manner in which the names
are provided in this annexure will be displayed on the PRAN card. However, date of birth will be printed in English only. All the given below fields are
mandatory.
Subscriber’s Full Name in Hindi Father/Mother’s Full Name in Hindi

(As selected in the Subscriber Registration form)
Please refer Sr. No. 1 of the instructions.
First Name
Middle Name
Last Name
Name:
Place:
Signature/Thumb Impression* of Subscriber in black ink Date: d d / m m / y y y y
(* LTI (Left Thumb Impression) in case of male and RTI (Right Thumb Impression) in case of female)
Ver 1.5 Annexure II to NSRF
The details of nominees to whom the outstanding pension wealth of the subscriber is payable in case of the demise of the subscriber before entire
proceeds are withdrawn is to be provided hereunder (Please refer instruction no: 5). Also, please note that in case of demise of the subscriber after opting
for deferred withdrawal, all the outstanding pension wealth present in the NPS account of the subscriber shall be withdrawn upon receiving the request
and paid to the nominees as mentioned in this form and the same would be treated as full and final discharge of the obligation.





1 of 2
Ver 1.5 Annexure II to NSRF
TO BE FILLED/ATTESTED BY POP-SP
Rubber Stamp of the POP-SP Signature of the Authorised Person
POP-SP Registration Number Designation of the Authorised Person :

(Allotted by CRA)
POP-SP Office Name :
TO BE FILLED/ATTESTED BY POP/POP-SP
POP/POP-SP Registration Number
(Allotted by CRA):
Rubber Stamp of the POP/POP-SP

2 of 2
Ver 1.4 CHO-1
Application Form for Corporate Registration
Corporate Registration Number:

(To be allotted by CRA)
Sir/Madam,
We hereby submit a request to be registered as a Corporate. The necessary details are provided below:
1. Name of the Corporate*:
2. Head Office/ Registered Office Address*:

Flat/Unit No, Block no. *
Name of Premise/Building/Village
Area/Locality/Taluka
District/Town/City *
State / Union Territory *
Country *
Pin Code *
3. Phone No. *: 4. Mobile No.
STD Code Phone Number
5. Fax No.*:
6. Email ID * (Email ID should be official Email ID of the HO & not of any individual person):
7. Nodal Officer’s Details *:

Name *:
First Name *:
Middle Name:
Last Name:
Designation *:
Phone No. *:
Mobile No.
Email ID *:
(Note: Email ID& Phone Number should be Nodal Officer’s and not of the HO’s official Email ID and any Board Number.)
Page 1 of 3
Ver 1.4 CHO-1
8. Alternate Nodal Officer’s Details *:

Name * :
First Name *:
Middle Name :
Last Name:
Designation *:
Phone No. *: Mobile No.:

Email ID *:
(Note : Email ID & Phone Number should be of the alternate Nodal Officer’s and not of the HO’s Email ID and any Board Number.)
9.a Corporate PAN Details*:
9.b Corporate TAN Details:
10. Corporate Office is Co-Contributor (Please tick only one): Yes No
11.Details of Scheme Preference*: Selection of Scheme preference by: Subscriber Corporate

0
12. If choice of investment is to be made by the Corporate on behalf of the employees (selected as 'Corporate' in clause no. 11) then the following fields are
mandatory:
(i). PFM Selection for Active and Auto Choice*: (*Name of the Pension Funds are given in alphabetical order.)
HDFC Pension Management Company Ltd.

(Selection of PFM is mandatory both in Active and Auto Choice. In case you do not indicate a choice of PFM, your application form shall be summarily
rejected).
(ii). Investment Option (Please Tick (√) in the box given below showing your investment option):
Please note:
2. In case you do not indicate any investment option, your fund will be invested in Auto Choice (LC 50).
3. In case you have opted for Auto Choice and fill up section (iii) below relating to Asset Allocation, the Asset Allocation instructions
will be ignored and investment will be made as per Auto Choice (LC 50).
4. In case scheme preference is to be selected by Subscriber, then the Corporate should accordingly advise its Subscribers to provide the
necessary information while filling up the Subscriber Registration Form.
Page 2 of 3
Ver 1.4 CHO-1
(iii). Asset Allocation (to be filled up only in case you have selected the ‘Active Choice’ investment option.):
Asset E C G A Total
Note: 1.The total allocation across E, C , G and A asset classes must be equal to 100%. In
Class (Cannot (Max up (Max up (Cannot (100%)
exceed 50%) to 100%) to 100%) exceed 5%) case, the allocation is left blank and/or does not equal 100%, the application shall be
rejected. 2.Asset class E-Equity and related instruments; Asset class C-Corporate debt and
related instruments; Asset class G-Government Bonds and related instruments; Asset Class
Specify
% A-Alternative Investment Funds including instruments like CMBS, MBS, REITS, AIFs,
Invlts etc
(iv). Auto Choice Option (to be filled up only in case you have selected the ‘Auto Choice’ investment option. In case, you do not indicate a choice of LC, funds
will be invested as per LC 50.)
Life Cycle Please Tick (√) Only

(LC)Funds One Note:1. LC 75- It is the Life cycle fund where the Cap to Equity investments is 75% of the total asset
LC25
13. CRA Charges to be borne by* - Employer Employee
We hereby declare and agree that we have read and understood the Offer Document, terms and condition. We further declare that the information supplied in the
application, is complete and true. And we will notify Central Recordkeeping Agency (CRA) immediately about any change in the information provided in the
application.
Name : ___________________________________ Place : __________________
Designation : ________________________________ Date : - -

Corporate Head Office Seal D D M M Y Y
Department : ________________________________
To be Filled by POP
A. POP Registration No.
B. Submitted KYC documents : Yes No
Name : ___________________________________ Place : __________________

D D M M Y Y
POP Seal Department : ________________________________
[To be filled by CRA]

Received by: __________________________________
Received at:____________________________________ Date:______________
Acknowledgement Number (by CRA)

_____________________________________________________________________________________________________________________
Note:
1. Corporate has to select one PFM out of the latest list of PFMs who would invest the fund as per selected investment choice.
2. Examples of 'E', 'C', 'G' & 'A' mix are as follows:-
E (Equity) C (Fixed G (Government A(Alternative
Income) Securities) Investment Funds)
50% (max) 25% 20% 5%
50% (max) 20% 25% 5%
0% 50% 50% 0%
0% 100% 0% 0%
0% 0% 100% 0%
30% 25% 40% 5%
20% 50% 30% 0%
Document to be Submitted to POP : Documents as a proof for KYC on the status of corporate/entity.
Page 3 of 3
Annexure CHO-2 (Ver 1.3) Page 1
Application Form for Corporate Scheme Preference Change

Corporate Registration Number* :
Sir/Madam,
We hereby submit a request for Scheme Preference change. The necessary details are provided below:
2. Phone No. *: Mobile No.
3.Details of Scheme Preference*: Selection of Scheme preference by: Subscriber Corporate
4. If choice of investment is to be made by the Corporate on behalf of the employees (selected as Corporate in clause no. 3) then the following fields are
mandatory:
(i). PFM Selection for Active and Auto Choice*:
HDFC Pension Management Company Ltd.
(Selection of PFM is mandatory both in Active and Auto Choice. In case you do not indicate a choice of PFM, your application form shall be summarily rejected).
(ii). Investment Option:[Please Tick (√) in the box given below showing your investment option]
Please note:
2. In case you do not indicate any investment option, your fund will be invested in Auto Choice (LC 50).
4. In case scheme preference is to be selected by Subscriber, then the Corporate should accordingly advise its Subscribers to provide the necessary information
while filling up the Subscriber Registration Form.
(iii). Asset Allocation (To be filled up only in case you have selected the ‘Active Choice’ investment option)
Asset E C G A Total Note: 1.The total allocation across E, C , G and A asset classes must be equal to 100%. In
Class (Cannot (Max up (Max up (Cannot (100%) case, the allocation is left blank and/or does not equal 100%, the application shall be
exceed 50%) to 100%) to 100%) exceed 5%) rejected. 2.Asset class E-Equity and related instruments; Asset class C-Corporate debt and
related instruments; Asset class G-Government Bonds and related instruments; Asset Class
A-Alternative Investment Funds including instruments like CMBS, MBS, REITS, AIFs,
Specify % Invlts etc
Annexure CHO-2 ( Ver 1.3) Page 2
(iv). Auto Choice Option (To be filled up only in case you have selected the ‘Auto Choice’ investment option. In case,
you do not indicate a choice of LC, your funds will be invested as per LC 50.)
Life Cycle Please Tick (√)
(LC)Funds Only One
Note:1. LC 75- It is the Life cycle fund where the Cap to Equity investments is 75% of the total asset
LC75
LC50
LC25
We hereby declare and agree that we have read and understood the Offer Document, terms and condition. We further declare that the information supplied in the
application, is complete and true. And we will notify Central Recordkeeping Agency (CRA) immediately about any change in the information provided in the
application.
Name : ___________________________________ Place : __________________
D D M M Y Y
Corporate Head Office Seal Department : ________________________________
To be Filled by POP
POP Registration No.
Name : ___________________________________ Place : __________________
D D M M Y Y
Department : ________________________________
POP Seal

Received by: __________________________________
Received at:_____________________________________ Date:______________
Note:
1. Corporate has to select one PFM out of the latest list of PFMs who would invest the fund as per selected investment choice.
2. Examples of 'E', 'C', 'G' & 'A' mix are as follows:-
E (Equity) C (Fixed G (Government A(Alternative

Income) Securities) Investment Funds)
50% (max) 25% 20% 5%
50% (max) 20% 25% 5%
0% 50% 50% 0%
0% 100% 0% 0%
0% 0% 100% 0%
30% 25% 40% 5%
20% 50% 30% 0%
Document to be Submitted to POP : Documents as a proof for KYC on the status of corporate/entity.
Ver 1.0 Annexure NE-5
Central Recordkeeping Agency (CRA) –NSDL e-Governance Infrastructure Limited
Request to update/modify Bank Account Details under National Pension System (NPS)
This form is to be used by the Nodal Office (PrAO/DTA/PAO/DTO/POP/CHO) registered under NPS to update/modify Bank Account details in the CRA system.
(PrAO/DTA/PAO/DTO/POP/CHO Registration Number :

(allotted by CRA)
We hereby submit request to update/modify Bank Account details as per the particulars given below:
1. Bank Details: (Please refer instruction no.3)

Bank A/c Number*
Beneficiary A/c Name*
Bank Name*
Bank Branch*
Bank Address*
Pin Code*
Bank IFS Code*
Bank MICR Code
Proof of Bank Account details*: ((Please Tick √) [Please refer instruction no .3])
i) Cancelled Cheque ii) Bank-Passbook iii) Bank Statement iv) Bank Certificate
We hereby agree and declare that the information provided in the application, is complete and true.
Signature of Authorised signatory of PAO/CDDO/DTO/POP/CHO
Name: ________________________ Place: _______
Designation: __________________ Date: ________

PAO/CDDO/DTO/POP/CHO Stamp
Signature of Authorised signatory of Pr.AO/DTA
PrAO/DTA Stamp
PrAO/DTA Reg. No. (Allotted by Name: ________________________ Place: ________
CRA)
(Refer instruction no.4&5) Designation: __________________ Date: ______
Received on : _____________________
Name of the officer : __________________
Signature of the officer : ________________

CRA Stamp
Instructions for filling the form:

1. The form is to be submitted to the address - Central Recordkeeping Agency, NSDL e-Governance Infrastructure Limited, Times Tower,
1st Floor, Kamala Mills Compound, Senapati Bapat Marg, Lower Parel (W), Mumbai – 400013.
2. Form to be filled legibly in BLOCK LETTERS and in BLACK INK only. Each box, wherever provided, should contain only one
character (alphabet/number/punctuation mark) leaving a blank box after each word. Details marked with (*) are mandatory fields.
3. Please attach a Cancelled cheque/ Bank Passbook/Bank Statement/Bank Certificate (having Bank account details like Beneficiary
name, Bank name, Bank Account Number and IFS code).
4. Bank details updation request of PrAO/DTA/POP/CHO has to be duly signed by authorized signatory of PrAO/DTA/POP/CHO.
5. Bank details updation request of PAO/CDDO/DTO has to be duly signed by authorized signatory of PAO/CDDO/DTO and to be authorised
by the associated Pr.AO/DTA registered at CRA.
6. For more information contact CRA at 022-4090 4242 or write to CRA at NSDL e-Governance Infrastructure Limited, Times Tower,
1st Floor, Kamala Mills Compound, Senapati Bapat Marg, Lower Parel (W), Mumbai – 400013
Annexure CHO - 3 Page 1
Application Form for Corporate for POP Change
(Please fill all the details in CAPITAL LETTERS & in BLACK INK only. All Field mark with * are mandatory.)
Corporate Registration Number*:
Sir/Madam,
We hereby submit a request to change POP. The necessary details are provided below:
2. Phone No. Mobile No.
3. Details of POP Change:
Name of existing POP : -
Existing POP registration no. : -
Name of targeted POP* : -
Targeted POP registration no* : -
We hereby declare and agree that we have read and understood the Offer Document, terms and condition. We further declare that the information supplied in
the application, is complete and true, and we will notify Central Recordkeeping Agency (CRA) immediately about any change in the information provided in the
application.
Name : Place : -
Corporate Head Office Seal
Designation : Date : - -
Department : - D D M M Y Y
Annexure CHO - 3 Page 2
To be filled by Target POP

POP Registration No.
Name : Place : -
Designation : Date : - -
Department : - D D M M Y Y
POP Seal
Received by : __________________________________
Received at :_____________________________________ Date :______________
 This form is to be used for the purpose of changing of one POP to another POP across the different POP.
 The request should be submitted at the target POP. The target POP is the POP to which the Corporate wants to shift
 The change request has to be submitted by the Corporate Head office with correct Corporate Registration number.
 On successful shifting of the corporate all the underlying subscribers will be linked to Target POP.
 Subsequent requests on subscriber maintenance like subscriber modification, withdrawal requests, Scheme preference change etc. are to be executed
through the Target POP.
For more information

Call us at CRA Toll free number 1800 22 2080
Write to:
Central Recordkeeping Agency,
1st Floor, Times Tower Building, Kamala Mills Compound,
Senapati Bapat Marg, Lower Parel (W), Mumbai – 400 013.
Annexure CS-S2 Page 1
Request For Change/Correction in Subscriber Master details And/Or Reissue of I-Pin/T-Pin/PRAN Card
PRAN is mandatory. Fill only the field(s)which is/are to be modified with the revised details.
I hereby request for the following details for the change. (Please tick )
(A) Changes or Correction in Personal details (other than DOB) (D) Reissue of PRAN Card
(B) Changes or Correction in Nomination details (E) Changes or Correction in Date of Birth
(C) Reissue of I PIN and/or T PIN
Permanent Retirement Account Number *:
I hereby submit the following details of change. (Please tick the box on left margin of appropriate row where change/correction is required and provide
the details in the corresponding rows.)
Section A: Change in Personal Details (Please refer to Sr. No.1 to 5of the instructions for supporting document)
Change or Correction in Name (* Indicates Mandatory Field)
1. Full Name (Full expanded name: Initials are not permitted)
Please Tick as applicable Shri Smt. Kumari

First Name *
Middle Name
Last Name
If the correction in the name to be made in Hindi, Yes (Please provide the details in the annexure on Page No. 7)
2. Gender : Male Female
3. PAN (PAN should be supported by copy of PAN card)
4. Category (Please tick (√) any one): Government Private Sector Self Employed NRI / Others
5. Father‟s Full Name:
First Name *
Middle Name
Last Name
In case of changes in details pertaining to the point 1 or 3 or 6, CRA shall reprint the PRAN card and shall send the same to the subscriber. This will be
charged by CRA.
6. Present Address* (NRIs may please refer to Sr. No. 5 of the instructions):
Flat/Unit No, Block no.
District/Town/City
State / UnionTerritory
Country
Pin Code
7. Permanent Address*:If same as above, Please Tick else,
Flat/Unit No, Block no.
District/Town/City
State / UnionTerritory
Country
Pin Code
8. Phone No.
STD Code Phone No.
9. Mobile No.
10. Email ID
11. Do you want to subscribe to SMS Alerts (To be made available later, on a chargeable basis): Yes No
12. Subscribers Bank Details:(please refer to Sr. No. 6 of instruction)
You want to change Bank details of: Tier I Tier II
(In case you want to change bank details in both Tier I & Tier II Account, tick both check box)
Tier I Account: Savings A/c Current A/c

Bank A/c Number
Bank Name
Bank Branch
Bank Address
Pin Code
Bank MICR Code
IFS code (Wherever applicable)
Tier II Account: If same as above for Tier I Yes OR,

Savings A/c Current A/c
Bank A/c Number
Bank Name
Bank Branch
Bank Address
Pin Code
Bank MICR Code
IFS code (Wherever applicable)

Section B – Change in Subscriber’s Nomination Details (Please refer to Sr. No.6 and 7 of the instructions)
You want to change Nomination details of: Tier I Tier II
(In case you want to change nomination details in both Tier I & Tier II Account, tick both check box)
Tier I Account:
First Name* First Name * First Name*
2. Date of Birth (In case of a minor):


1st Nominee* 2nd Nominee* 3rd Nominee *
1st Nominee* % 2nd Nominee * % 3rd Nominee* %
5. Nominee‟s Guardian Details (in case of a minor):

1st Nominee‟s Guardian Details 2nd Nominee‟s Guardian Details 3rd Nominee‟s Guardian Details
Tier II Account: If same as above for Tier I Yes else,

First Name* First Name * First Name*
2. Date of Birth (In case of a minor):


1st Nominee* 2nd Nominee* 3rd Nominee *
1st Nominee* % 2nd Nominee * % 3rd Nominee* %
5. Nominee‟s Guardian Details (in case of a minor):

1st Nominee‟s Guardian Details 2nd Nominee‟s Guardian Details 3rd Nominee‟s Guardian Details
Section C –Request for Reissue of I-PIN/T-PIN
I hereby request you to reissue the following.
T-PIN I-PIN
Section D– Request for Reissue of PRAN card.

Reissue of T-Pin, I-Pin and reissue of PRAN card will be chargeable by the CRA.
Section E- Change or Correction in Date Of Birth
Date of Birth D D M M Y Y Y Y (* Employer certification is Mandatory & Please refer to Sr. No.8 of the instructions. )
I , the applicant, do hereby
Declare that the information provided above is true to the best of my knowledge & belief.
Date :
D D M M Y Y Y Y Signature/Thumb
Impression* of the Subscriber
* Certified that the above declaration regarding correction/change in Date of Birth has been signed before me by ________________
after he / she has read the entries / entries have been read over to him / her by me and got confirmed by him / her. Also certified that the date of birth
details is as per employee records available with the Corporate.
Signature of the Authorised Person Rubber Stamp of the Corporate
Designation of the Authorised Person : ________________________ Name of the corporate:_______________________________
Date :
D D M M Y Y Y Y
(* Note: Employer Certification is mandatory only if there is any correction change in Date of of Birth. )
Copy of PAN card submitted : Yes No
Name : Place :
Désignation : Date :
POP-SP
Seal
[To be filled by CRA/CRA-FC ]

Received by: CRA-FC Registration Number:
Received at :________________________________ __________ Date:_ _________________
Acknowledgement Number
(To be provided by CRA-FC)
a. This form is to be used for the purpose of change/correction in subscriber personal details, nominee details, reissue of I-Pin /T-Pin or reissue of
PRAN card.
b. The form is to be submitted at the POP-SP for carrying out the necessary changes.
c. Form to be filled legibly in BLOCK LETTERS and in BLACK INK only. Please fill the form in legible handwriting so as to avoid errors in your
application processing. Please do not overwrite. Corrections should be made by cancelling and re-writing and such corrections should be counter-
signed by the applicant.
d. Please tick the box on the left margin of appropriate row where change/correction is required‟ and provide the details in the corresponding row.
Please strike off the remaining blank rows for which no change is requested. Each box, wherever provided, should contain only one character
(alphabet/number/punctuation mark) leaving a blank box after each word.
e. Details Marked with (*) are the mandatory fields.
f. Mention 12 digits PRAN correctly.
g. All dates Should be in “DDMMYYYY” Format
h. Application incomplete in any respect and/or not accompanied by required documents is liable to be rejected. The application is liable to be rejected if
mandatory fields are left blank.
i. Reissue of T-Pin, I-Pin and reissue of PRAN card will be chargeable by the CRA.
j. Subscribers are advised to retain the acknowledgement slip signed/ stamped by the POP-SP where they submit the application
Subscriber’s Personal Details
Sr.
Item No. Item Details Guidelines for Filling the Form
No.
Section A – Subscriber’s Personal Details
In case of change in name please provide the requisite proof such as marriage
1. 1. Full Name
certificate or Gazette copy of name change.
2. 2. Gender Please provide a copy of Gazette Notification supporting the change
Fund transfers by NRIs would be subject to regulatory requirements as prescribed by
3. 4. Category
RBI from time to time and FEMA requirements.
An NRI subscriber would need to furnish an Indian address as present address for
Present Address& Permanent communication and bank details within India.
4. 6& 7.
Address All future communications will be sent to present address.
List of documents accepted as proof of address is given below.
12 The subscribers shall provide a cancelled cheque, the details of which should match
5. Bank Details
the bank details provided.
Section B - Subscriber’s Nomination Details
1) Subscriber can nominate a maximum of three nominees.
2) Subscriber cannot fill the same nominee details more than once for same tier.
3) Percentage share value for all the nominees must be integer. Decimals/Fractional
6. 1 to 4 Nomination Details
values shall not be accepted in the nomination(s).
4) Sum of percentage share across all the nominees must be equal to 100. If sum of
percentage is not equal to 100, entire nomination will be rejected.
Nominee‟s Guardian
7. 5. If a nominee is a minor, then nominee‟s guardian details shall be mandatory.
Details
Section E - Subscriber’s Date of Birth Details
Please ensure that this matches with the Date of Birth as indicated in the document
8. 1. Date of Birth
provided in support
Illustrative list of documents acceptable as proof of identity and address

Sr. Proof of Identity (Copy of any one of the given below Proof of Address (Copy of any one of the given below documents)
No. documents)
a
Passport issued by Government of India Passport issued by Government of India
b Ration card with photograph Ration card with photograph and residential address
c Bank Pass book or certificate with Photograph Bank Pass book or certificate with photograph and residential address
d Voters Identity card with photograph and residential
Voters Identity card with photograph and residential address
address
e Valid Driving license with photograph Valid Driving license with photograph and residential address
f Letter from any recognized public authority at the level of Gazetted officer like District
PAN Card issued by Income tax department Magistrate, Divisional commissioner, BDO, Tehsildar, Mandal Revenue Officer,
Judicial Magistrate etc.
g Certificate of identity with photograph signed by a Certificate of address with photograph signed by a Member of Parliament or Member of
Member of Parliament or Member of Legislative Legislative Assembly
Assembly
h Aadhar Card / letter issued by Unique Aadhar Card / letter issued by Unique Identification Authority of India clearly showing
Identification Authority of India the address
i Job cards issued by NREGA duly signed by an Job cards issued by NREGA duly signed by an officer of the State Government
officer of the State Government
j Photo Identity Card issued by Government, Latest Electricity/water bill in the name of the Subscriber / Claimant and showing the
Defence, Paramilitary and Police Department‟s address (less than 6 months old)
k Ex-Service Man Card issued by Ministry of Latest Telephone bill in the name of the Subscriber / Claimant and showing the address
Defence to their employees (less than 6 months old)
l Photo Credit card Latest Property/house Tax receipt (not more than one year old)
m
Existing valid registered lease agreement of the house on stamp paper ( in case of
rented/leased accommodation)
NOTE : You are required to bring original documents & two self-attested photocopies(originals will be returned over-the-counter)
GENERAL INFORMATION FOR SUBSCRIBERS

a) For any further clarification please refer to the PFRDA website www.pfrda.org.in or call on our toll free no. 1800110708
b) The Subscriber can obtain the status of his/her application from the CRA website or through the respective employer.
c) For more information
Call us at 022-24994200 or e-mail us at info.cra@nsdl.co.in
Write to: Central Recordkeeping Agency, National Securities Depository Limited, 4th Floor, „A‟ Wing, Trade World, Kamala Mills
Compound, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013.
9
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NPS Job Card for BoB Branches
MENU OPTION: NPSSWS
1. REGISTRATION :
ADD
KEY/VALUE
1 Type NPSSWS in the Menu Shortcut field and click <Go> Go

2 Select from the drop down under Function Function
–R- REGISTRATION,
New Page will Open
3 Select – R- Registration Function
4 Select option : ADD Select from
dropdown
5 Click on GO, detail page will open
SUBSCRIBER PERSONAL DETAILS

1 Full Name
TITLE : Select SHRI, SHRIMATI, KUMARI Select from
dropdown
First Name Enter Name
Middle Name Enter Middle
name
Last Name Enter Surname
PRAN card to be printed in Hindi Tick if YES

Tier II Tick if
customer
opted for Tier
II
2 Gender : Male / Female Select from
dropdown
3 Date Of Birth(DD-MM-YYYY) Select from
Calendar
searcher
4 PAN No Enter valid
PAN No.
5 Category : P = Private Sector, S- Self Employed, N- NRI, Select from
O- Others, G- Government. dropdown
6 Father’s Full Name
Father’s First Name Enter Name
Father’s Middle Name Enter Name
Father’s Surname Enter Surname
7 Present Address
Flat/Unit No, Block No
Name of Building/Premise
District/Town/City
State/Union/Territory
Country : Default populated as IN Default
Pin Code
8. Permanent Address (Same as Present Address ) Tick if yes, or
If Ticked in Box, all fields will be copied from Present leave it blank.
Address.
9. Phone Enter with STD
Code
10 Mobile No Enter 10 digit
11 Email Id Enter Valid
email ID
12 Do You wish to Subscribe to SMS alert Tick if yes
13 Bank Details
Account Type, Enter valid
Bank Account Number data
Bank Name
Bank Branch
Bank Address
Pin Code
Bank MICR Code
Bank MICR Code
VALIDATE, to ensure that all Mandatory fields are filled in correctly
SUBMIT, to save record
NPS Nomination Details :-
Can be entered details of maximum -3- Nominees
1 Name of Nominee
2. Date of Birth of the Nominee (In case of Minor)
3. Relationship with the Nominee
4. Percentage Share
5. Nominees Guardian Details (Incase of Minor)
NPS Scheme preference Details :-
1 PFM Name Select from the searcher
2 Active Tick One as per customer’s choice.
Choice OR
Auto Choice
Subscriber Transaction Details :-
1 Transaction Select as CASH or TRANSFER
Type
2 Bank Enter valid Bank account number, if it is a TRANSFER
Account TRANSACTION
Number
3 Instrument Enter instrument number if it is TRANSFER Transaction
Number
4 Instrument Enter instrument Date, if it is TRANSFER Transaction
Date
5 Registration Auto Populated and masked
Charge
6 GST Auto Populated and masked
7 Total Auto Populated and masked
Amount
Initial Contribution Details :
1 Account Select Tier I or Tier II
Type
2 Amount Enter amount : Rs.500/- and above
Collected
(Tier I)
3 Amount Enter amount : Rs.1000/- and above
Collected
(Tier II )
4 Contribution Auto Populated and masked
Charge
5 GST Auto Populated and masked
6 Total Auto Populated and masked
Tier II Details
1 Subscribers If same as Tier I please Tick, ELSE ENTER THE DETAILS
Bank Details
2 Subscribers If same as Tier I please Tick, ELSE ENTER THE DETAILS
Nomination
Details
3 Subscriber's If same as Tier I please Tick, ELSE ENTER THE DETAILS
Scheme
Preference
Active Choose one of the options.
Choice /
Auto Choice
Click on SUBMIT
Message on SUBMIT : Registration Record Inserted Successfully for Receipt
No: xxxxxxxxxxxxxxxxxx
VERIFY option :
1 Type NPSSWS in the Menu Shortcut field and click Go
<Go>
–R- REGISTRATION,
New Page will Open
3 Select – R- Registration Function
4 Select option : VERIFY Select from dropdown
5 Enter Receipt Number Select from Searcher
6 Click on GO, new page will open
Visit all the TABs, verify the details entered with the physical form of
customer :
1. If found correct then click on SUBMIT to verify the record,
2. else CANCEL to not to verify he record.
On verification, Message will Display : NPS Subscriber Details Verified
Successfully for Receipt No: xxxxxxxxxxxxxxxxx AND Tran ID: Sxxxxxxxx !!!
PRINT To get the print out of

the Receipt to be handed
over to customer.
INQUIRY option :
1 Function REGISTRATION
2 Option Select INQUIRE from drop down
3 Enter Receipt Select from the searcher
No.
4 Click on GO, Detail page will open, Click on OK, once Inquiry is over.
DELETE option : ( Before VERIFICATION )

1 Function REGISTRATION
2 Option Select DELETE from drop down
3 Enter Select from the searcher
Receipt No.
Click on GO, Detail page will open, Click on OK to delete the record.
Message will display : NPS Subscriber Details Deleted Successfully for Receipt
No: XXXXXXXXXXXXXXXXX
MODIFY option : (Before VERIFICATION )

1 Function Select REGISTRATION
2 Option Select MODIFY
Receipt No.
Click on GO, Detail page will open, modify the record wish to modify and
SUBMIT to save modification.
Message will display : NPS Subscriber Details Modified Successfully for Receipt
No: XXXXXXXXXXXXXXXXX
Get the same VERIFIED.
REPRINT option : ( To take the Receipt print out again )

1 Function Select REGISTRATION
2 Option Select REPRINT
Receipt No.
Click on GO, Receipt will display, click on PRINT to take print out of the same.
2. CONTRIBUTION :
ADD : -

<Go>
–C- CONTRIBUTION
New Page will Open
3 Select – C- CONTRIBUTION Function
4 Select option : ADD Select from
dropdown
5 Click on GO, detail page will open
Subscriber's PRAN No Enter PRAN No

Subscriber's Name Enter Name
Transaction Type Select CASH or TRANSFER
Account Type
Amount Collected For
Tier I
Tier II
voluntary
Contribution Charge
GST
TOTOL
DELETE :

<Go>
–C- CONTRIBUTION
New Page will Open
3 Select option : DELETE Select from
dropdown
4 Receipt Number Select from
searcher
5 Click on GO, Next page will open, wherein all the details
of Contribution is displayed.
Ensure that this CONTRIBUTION to delete, then click on SUBMIT to delete
this Contribution.
VERIFY :
<Go>
–C- CONTRIBUTION
New Page will Open
3 Select option : VERIFY Select from
dropdown
searcher
5 Click on GO, Next page will open, wherein all the details
of Contribution is displayed.
Ensure correctness of the record and then click on SUBMIT to Verify this
Contribution.
PRINT
INQUIRE : -
1 NPSSWS Go
2 Function Function
–C- CONTRIBUTION
3 INQUIRE Select from

dropdown
searcher
5 GO
REPRINT :-
1 NPSSWS Go
2 Function Function
–C- CONTRIBUTION
3 REPRINT Select from

dropdown
searcher
5 GO
3. ACKNOWLEDGEMENT
ADD
1 NPSSWS Go
2 Function Go
–K- ACKNOWLEDGEMENT
3 Option ACKNOWLEDEGEMENT
4 Function ADD, GO
5 Status I – Accept
O - Reject
6 Receipt Number
7 Acknowledgement
Number
8 CRA-FC reg No,
NPS Subscriber
Acknowledgement Successfully for Receipt No:
xxxxxxxxxxxxxxxxxx
MODIFY : Use Modify option to modify the Acknowledgment

VERIFY : Use MODIFY option for Verification of records Added / Modified.
INQUIRY : For inquiring about the Acknowledgement Number.
4. OTHER SERVICES
1 NPSSWS Go
2 Function Go
O- OTHER SERVICES
3 Function W – Withdrawal
P – Scheme preference
S – Switch
E – Subscriber Modification
H- Photo Modification
Q – IPIN TPIN request
J – Dishonored cheque
S – Subscriber shifting
Y – PRAN reprinting
T – Tier 2 Activation
4 Option A – Add
I – Inquire
V – Verify
D – Delete
R – Reprint
GO,
PERSONAL DETAILS
5 PRAN NO
6 Name
Address 1
Address 2
Address 3
City
State
PIN CODE
Tier Type Tier I Tier II
Phone Number
PFM Name
Asset Allocation Auto Choice Active Choice
CHARGE DETAILS
Transaction CASH TRANSFER
Type
TRANSFER,
BANK Account Number,
Instrument Date,
Instrument Number
Amount Default Populated
SUBMIT .
VERIFY the record and Receipt will be generated.
5. REPORT
1 NPSSWS Go
2 Function Go
RP - REPORT
3 Option REPORT
4 From Date Select date form calendar searcher
5 To Date Select date form calendar searcher
6 Swavalamban YES NO BOTH
7
Message : Status report has been generated. Use HPR menu to view
the report.
Process Flow to be followed by the Branches:
All Citizen Model:
The process flow to be adopted by the Branches post receipt of NPS Application form
from the subscriber:
1) Receive Application
2) Open the Account in Finacle THROUGH NPSSWS MENU
3) send the Original Form, KYC documents duly verified at Branch Level & the receipt
number generated through Finacle, FATCA FORM with the Branch’s forwarding to NPS
Nodal Cell i.e. Service Branch (CBO), Mumbai.
The address of NPS Nodal Cell, Mumbai is mentioned below:
Bank of Baroda, 5th Floor, GBM Department, 10/12, Bombay Samachar Marg, Opposite
to Horniman Circle, Fort Mumbai-400001
Corporate Model:
1) Corporate entity is required to fill and submit the Corporate Registration form
(CHO1) form.
2) FORM needs to be submitted to the concerned Branch where the Corporate Accounts
will be opened along with certificate of incorporation and other KYC documents.
3) Branch needs to scrutinize the form and the documents and authorize the form by
affixing our Bank’s Registration number, Stamp, Signature and Name.
4) Once the form is completed, the same needs to be sent to the following address:
For NSDL:
Central Recordkeeping Agency, NSDL e-Governance Infrastructure Limited, 1st Floor,

Times Tower Building, Kamala Mills Compound, Senapati Bapat Marg, Lower Parel (W),
Mumbai-400013
For Kfintech/Karvy:
4th Floor, Central Recordkeeping Agency (CRA), Karvy Computershare Pvt. Ltd. Karvy
Selenium Tower B, Plot Nos. 31 & 32, Financial District, Nanakramguda Serilingampally
Mandal, Hyderabad – 500032, India
On receipt of application, CRA will register the corporate and generate two registration
numbers Corporate Head Office Registration No. (CHO Reg. No.) and Corporate Branch
Office Registration No. (CBO Reg. No.). The same will be communicated to the Branch
as well as the corporate.
Registration of Subscribers/Employees under Corporate Model
 To register the employees of the corporate as subscribers, the employees need to fill up
form CSRF. The employee must also fill-up Date of Joining, Date of Retirement,
Employee ID, name, CHO and CBO RegNo in the form.
 The complete form needs to be submitted to the HR / Pension department of the
corporate along with Address proof, Identity proof and Date of Birth proof.
 The HR / Pension department needs to verify and authorize the same. The forms then
needs to be submitted to the Branch.
 On receiving the form, Branch needs to scrutinize the form and the documents and
authorize the form by affixing the Branch Registration number, Stamp, Signature and
Name.
 The form needs to be sent to the NPS Nodal Cell, Service Branch, Mumbai at below
mentioned address:
''Bank of Baroda, 5th Floor, GBM Department, 10/12, Bombay Samachar Marg,
Opposite to Horniman Circle, Fort Mumbai-400001''
 Forms will then move to CRA where PRANs will be generated.

Sovereign Gold Bond Scheme
About SGB:
Sovereign Gold Bonds (SGBs) are issued by Reserve Bank of India on behalf of the Government of India
and hence the bonds carry a sovereign guarantee on payment of interest and repayment of principal on
redemption or maturity.
As per the Government of India Notification No F.No4.(4)-B (W&M)/2020 dated 09.10.2020 and RBI Press
release no. 2020-2021/462 dated 09.10.2020 and RBI/2020-2021/52IDMD.CDD.No.730/14.04.050/2020-
21 dated 09.10.2020, the detailed guidelines pertaining to the SGB scheme 2020-2021 are as under:
1. Eligibility for Investment:
The Gold Bonds under this scheme may be held by a Trust, HUFs, Charitable Institutions,
University or by a person resident in India, being an individual, in his capacity as such individual, or
on behalf of minor child, or jointly with any other individual.
2. Form of Security:
(i) The Gold Bonds will be issued as Govt. of India Stock under GS Act, 2006.
(ii) The Gold Bonds shall be issued in the form of Stock Certificate, as specified in Form ‘C’.
(iii) The Gold Bonds shall be eligible to be converted into Demat form.
3. Applications:
Subscription for the Bonds may be made in the prescribed application form (Form ‘A’) or in any
other form as near as thereto stating clearly the grams of gold and the full name and address of
the applicant. Every application must be accompanied by the ‘PAN details’ issued by the Income
Tax Department to the investor(s). The Branch shall issue an acknowledgement receipt in Form
‘B’ to the applicant, if all requirements of the application are fulfilled.
Application form from investors will be received at Branches during normal banking hours on the
week of subscription. The Branches need to ensure that the application is complete in all respects
as incomplete applications are liable to be rejected. The Branches may guide the investors to
apply online.
4. Date of Issue/Period of Subscription:
The Subscription of the Gold Bonds under this Scheme shall be open (Monday to Friday) on the
dates specified above, provided that the Central Government may, with prior notice, close the
Scheme at any time before the period specified above.
5. Denomination:
The Bonds shall be denominated in units of one gram of gold or multiples thereof. Minimum
investment in the Bonds shall be one gram with a maximum limit of subscription per fiscal year
(April-March) of 4 Kg for individuals, 4 Kg for Hindu Undivided Family (HUF) and 20 Kg for Trusts
टे ल�/Tel.: 91 11 23448717, 23448711 फैक्स/FAX: 91 11 23448706 ई-मेल/E-mail: gb.delhi@bankofbaroda.com वेब/ Web: www.bankofbaroda.com
and similar entities notified by the government from time to time ( a self-declaration to this effect
will be obtained) provided that:
(i) in case of joint holding, the above limits shall be applicable to the first applicant only.
(ii) annual ceiling will include bonds subscribed under different tranches during initial
issuance by Government and those purchased from the secondary market; and
(iii) the ceiling on investment will not be include the holdings as collateral by banks and other
Financial Institutions.
6. Issue price:
The nominal value of the Bonds shall be fixed in Indian Rupees on the basis of simple average of
closing price of gold of 999 purity published by the Indian Bullion and Jewellers Association
Limited for the last 3 working days of the week preceding the subscription period. The issue price
of the Gold Bonds will be Rs.50 per gram less than the nominal value to those investors applying
online (presently for Retail customers only) and the payment against the application is made
through digital mode.
7. Interest:
The Interest on the Gold Bonds shall commence from the date of issue and shall be paid at a fixed
rate of 2.5 percent per annum on the nominal value of the Bond. The Interest shall be payable in
half-yearly rests and the last interest shall be payable along with principal on maturity.
8. Receiving offices/Sales Channel:
Branches of Scheduled Commercial Banks, designated Post Offices (as may be notified), Stock
Holding Corporation of India Ltd (SHCIL) and recognized stock exchanges viz., National Stock
Exchange of India Limited and Bombay Stock Exchange Ltd. are authorized to receive applications
for the Bonds either directly or through agents.
9. Payment Options:
Payment shall be accepted in Indian Rupees through cash upto maximum of Rs. 20,000/-or
Demand Drafts or Cheque or Electronic Banking. Where payment is made through Cheque or
Demand Draft, the same shall be drawn in favor of the Branch.
10. Redemption
i) The Gold Bonds shall be repayable on the expiration of eight years from the date of issue
of the Bonds provided that the Pre-mature redemption of the Gold Bonds may be
permitted after fifth year from the date of issue of the Bonds and such repayments shall
be made on next interest payment date.
ii) On maturity, the Gold Bonds shall be redeemed in Indian Rupees and the redemption
price shall be based on simple average of closing price of gold of 999 purity of previous 3
working days, published by the India Bullion and Jewelers Association Limited.
iii) The RBI/depository shall inform the investor one month in advance about the date of
maturity of the Bond.
11. Eligibility for Statutory Liquidity Ratio (SLR)
Bonds acquired by the banks through the process of invoking lien/hypothecation/pledge alone
shall be counted towards Statutory Liquidity Ratio.
12. Loan against Bonds (Collateral)
i) The Gold Bonds under this Scheme may be used as collateral security for availing any loan.
Such loans could be granted by marking lien on SGB appropriately.
ii) The Loan to Value ratio as applicable to ordinary gold loan mandated by the RBI from time
to time shall also apply to the Bonds issued under this scheme.
Please Note: The loan against SGBs would be subject to decision of the Bank/Financing Agency, and
cannot be inferred as a matter of right.
13. Tax Treatment
Interest on the Bonds shall be taxable as per the provisions of the Income-tax Act, 1961 (43 of
1961). The capital gains tax arising on redemption of SGB to an individual has been exempted. The
indexation benefits will be provided to long term capital gains arising to any person on transfer of
bond.
14. Joint Holding and Nomination
In case of joint holding, the investment limit of -4- Kg will be applied to the first applicant only.
Nomination of and its cancellation shall be made in Form ‘D’ and Form ‘E’, respectively, in
accordance with the provisions of the Government Securities Act, 2006 (38 of 2006) and the
Government Securities Regulations, 2007, published in part III, Section 4 of the Gazette of India
dated December 1, 2007.
An individual Non - resident Indian may get the security transferred in his name on account of his
being a nominee of a deceased investor provided that:
(i) the Non-Resident investor shall need to hold the security till early redemption or till
maturity; and
(ii) the interest and maturity proceeds of the investment shall not be Repatriable.
15. Transfer of Gold Bonds
The Bonds issued in the form of Stock Certificate are transferable by execution of an Instrument of
transfer as in Form ‘F’, in accordance with the provisions of the Government Securities Act, 2006
(38 of 2006) and the Government Securities Regulations, 2007, published in part III, Section 4 of
the Gazette of India dated December 1, 2007.
16. Tradability of bonds
The Bonds shall be eligible for trading on Stock Exchanges.
17. Commission for mobilizing subscription
The commission for mobilizing subscription towards these bonds shall be paid at the rate of Rupee
one per hundred Rupees of the total subscription received by the receiving offices and receiving
offices shall share at least 50% of the commission so received with the agents or sub-agents for
the business procured through them.
18. Know-Your-Customer (KYC) requirements:

KYC Documents such as Voter ID, Aadhaar Card/PAN or TAN/Passport will be required. Every
application must be accompanied by the ‘PAN Number’ issued by the Income Tax Department to
the individuals and other entities. Every application shall contain such documents and particulars
as specified in the instructions contained in the Application Form. An incomplete application is
liable to be rejected.
With a view to facilitate availability of all current operative instructions regarding servicing of these Bonds
at one place, RBI has issued consolidated procedural/operational guidelines vide their circular no. -
RBI/2019-20/213-IDMD.CDD.2730/14.04.050/2019-20 dated 13.04.2020 (Ref: BCC: BR: 112: 227 dated
16.04.2020). All the Branches are requested to be guided by these instructions while dealing with all the
procedural aspects & providing service to the investors.
All other terms and conditions specified in the notification of Government of India in the Ministry of
Finance (Department of Economic Affairs) vide number F. No. 4(2) W&M/2018, dated 27th March, 2018
shall apply to the Bonds issued under this Scheme.
Apart from the aforementioned guidelines which are specific to the SGB 2020-2021, RBI has also issued
the guidelines for the Servicing of the Sovereign Gold Bond which are as under:
As per the RBI notification no- RBI/2019-20/213-IDMD-CDD-2730/14.04.050/2019-20 dated 13.04.2020 it

has been informed that the Sovereign Gold Bond (SGB) Scheme was first launched by Government of India
(GOI) on October 30, 2015 and so far, 37 tranches of the Sovereign Gold Bond Scheme have been issued.
The detail of these issuances till date is given in Annex I.
Further, with a view to facilitate availability of all the current operative instructions regarding the
Procedural Guidelines at one place, RBI has issued the said notification having consolidated procedural
guidelines. The rules and regulations applicable for servicing of these bonds have been updated with
instructions issued till date and are given in Annex II. The same will be updated suitably and
simultaneously whenever there is a change in the rules/regulations governing the operation of the
Scheme.
Also, it has been informed that this circular supersedes all operational/procedural guidelines issued till
date. With the issuance of these instructions, no separate procedural/operational instructions will be
issued henceforth.
These Guidelines are issued in exercise of the powers conferred under Section 29(2) of the GS Act 2006, to
the Receiving Offices, BSE/NSE, Depositories/Depository Participants.
Annex-II
I: Introduction
The Sovereign Gold Bonds (henceforth referred to as bonds) are issued by Government of India (GOI) as
Government of India Stock in accordance with Section 3 of the Government Securities Act, 2006 (GS Act
2006). The eligibility condition and other terms and condition are specified in the relevant notifications of
Government of India issued from time to time.
2. In the interest of operational flexibility and ease in servicing the customers, it has been decided to
entrust Receiving Offices (ROs) and Depositories along with Depository Participants (in case of
dematerialized bonds), with the responsibility of performing certain functions relating to servicing of the
bonds. The updated list of Banks notified by GOI and authorized to receive the subscriptions is given in
Appendix I. The Bank/Branches shall sensitize its officials regarding terms and condition of issuance and
are required to strictly adhere to the same.
II. Definitions
In these guidelines, unless the context otherwise requires,
a. “Depository Participant” means an entity which has been granted a certificate of registration by
Securities and Exchange Board of India under Chapter IV of SEBI (Depositories and Participants)
Regulations 1996.
b. “Receiving Offices” means Scheduled Commercial Banks (excluding RRBs), SCHIL, designated Post
Offices (as notified by GOI) and recognized stock exchanges viz., National Stock Exchange of India Limited
and Bombay Stock Exchange Limited as per details given in Appendix I.
c. “Depository” means a company formed and registered under the Companies Act, 1956 (1 of 1956) and
which has been granted a certificate of registration under sub-section (1A) of section 12 of the Securities
and Exchange Board of India Act, 1992 (15 of 1992)
d. Bond ledger Account or BLA means the bond held to the credit of the holder in the electronic form with
Reserve Bank of India.
e. Dematerialized Form means bonds held to the credit of the holder in the electronic form with National
Securities Depository Ltd. (NSDL)/Central Depository Securities Limited (CDSL)
III. Procedural Guidelines for servicing the bonds:
The Branches shall be guided by procedural/operational guidelines in connection with issue/ servicing
of these bonds as under:
1. Nodal Branches/Offices
The Receiving Offices (ROs) and the other entities entrusted with the responsibility of issue/ servicing the
bonds may identify a nodal office/branch for the purpose. The applications received at the various
branches or offices may be forwarded to the Link Cell, Nagpur for further processing after preliminary
scrutiny. Processing of the requests may be made part of the Citizen’s Charter of the Bank and other
entities and the time line may be strictly adhered to. Details of the contact persons in these
offices/branches may be given due publicity and effective customer grievance redressal mechanisms may
be put in place and the same should be communicated to Reserve Bank of India. In addition, the contact
details of a senior level functionary, not below the rank of Chief General Manager may also be advised to
RBI. The Bank shall also keep us informed of the change in contact details from time to time.
2. Application
(i) Branches are authorized to receive Application forms from eligible investors at the branches either
directly or through agents. Applications shall be received at branches during normal banking hours on the
weeks of subscription as notified by GOI/RBI from time to time. Subscription of the form shall be made in
prescribed application Form A.
(ii) Every application must be accompanied by the ‘PAN details’ issued by the Income Tax Department to
the investor(s). Relevant additional details may be obtained from the applicants,
where necessary.
(iii) The Investor ID generated from RBI’s E-Kuber is a unique id which is created while applying for SGB or
Inflation Indexed National Savings Securities- Cumulative, 2013 (IINSC-C). In case the applicant already has
an investor ID issued by RBI’s E-Kuber portal for above investment in any of the earlier tranches, the same
should invariably be quoted by investor while making any subsequent applications.
(iv) While accepting applications, Branches may ascertain from the applicant the details of existing
investor ID if any. In case of failure to quote the same, the E-Kuber portal shall reject the application, while
uploading the same.
(v) All payments for subscription to SGB shall be accepted in Indian Rupees through cash up to a maximum
of Rs 20,000/-or cheque/ demand drafts/electronic banking. The cheque/ demand drafts shall be drawn in
favor of the RO.
(vi) Branches need to ensure that the application is complete in all respects as incomplete applications are
liable to be rejected.
(vii) The Bank may make arrangements to enable the investors to apply online, in the interest of better
customer service. While providing online services, it is the responsibility of Bank to ensure that all relevant
fields for capturing details of applicant, mode of holding and other details as per the terms and conditions
specified in Notification are duly provided for.
(viii) On receipt of complete application as above, the Branches shall issue an acknowledgement receipt in
Form B.
(ix) An incomplete application is liable to be rejected if all the requirements of the application are not
fulfilled within the period specified for subscription.
(x) The cancellation of bonds is permitted till the closure of issue. However, no part cancellation of the
application is permitted. No request for cancellation of the bond after closure of the issue shall be
entertained under any circumstances.
(xi) The Link Cell, Nagpur is required to enter the data or carry out bulk upload for the subscriptions
received by them in RBI’s E-Kuber portal. They shall ensure accuracy of data to prevent occurrence of any
inadvertent errors. An immediate confirmation will be provided to them for receipt of application. In
addition, a confirmation scroll will be provided for file uploads to enable the Bank/Branches to update
their database.
(xii) The applicants are eligible for payment of interest on the subscription amount at savings bank rate
from the date of application/realization of fund up to the date of allotment i.e. the period for which the
investor is out of funds. No interest is payable, in case the application is rejected for any reason
attributable to the investor.
(xiii) The status of application rejected by RBI’s E-Kuber system should be notified by Branches and
subscription amount refunded without any delay to the customer.
(xiv) Any delay on the part of Branches to refund the amount to any applicant, whose application is
rejected will attract penalty @ Repo rate +2% for each day of delay.
3. Allotment of Bonds and Generation of “Certificates of Holding (COH)”:
(i) On the date of allotment, the “Certificates of Holding” are generated for all the successful subscriptions
by RBI. These are sent to the customers who have provided their e-mail Ids. The Link Cell, Nagpur can also
download the certificates from RBI’s E-Kuber portal and provide the same to their customers on request.
The Certificate of Holding may be printed in color on A4 size 100 GSM paper in the prescribed Form C.
(ii) Branches may note that as SGB is transferable/tradable and mere possession of Certificate of Holding
should not be construed as proof of title.
4. Nomination
(i) Nomination and its cancellation shall be governed by Section 9 of the Government Securities Act, 2006
read with Chapter III of the Government Securities Regulations, 2007. The nominations can be indicated
by the customer at the time of subscribing to the bonds (in the prescribed Form D' or at a later date. It is
permissible to designate more than one person as nominees (maximum two) to a bond. Nomination
facility is not available in case the investment is on behalf of minor.
(ii) Cancellation of Nomination: The holder of a Sovereign Gold Bond may apply for cancellation of an
existing nomination in the prescribed Form 'E' and while examining the application it may be ensured that-
(i) correct particulars of the Sovereign Gold Bond have been stated in the form; and (ii) the name/s of the
nominee/s has/have been correctly mentioned in the form
(iii) Additions to existing nomination: The holder can nominate second person, in addition to the existing
one. On submission of a fresh nomination in Form 'D', it may be examined and dealt with in the same way
as the original nomination. In case of bonds held as stock certificates, the Branches shall send the
applications to Link Cell, Nagpur to input such requests (cancellation/addition) into the E-Kuber system
subject to the satisfaction that the details provided are correct and in order, using the facility provided in
the E-Kuber portal. Acknowledgement may also be issued.
(iv) Claims of nominee/s: On the death of the holder, nominee's/nominees' claim may be recognized in
terms of the provisions of Section 9 of the Government Securities Act 2006 read with Chapter III of the
Government Securities Regulations 2007. Once a claim is received by the Branch/Depository, as the case
may be, it may recognize the claim in terms of Section 9 of the GS Act 2006 and Chapter III of the
Government Securities Regulation 2007, subject to its satisfaction with respect to the legality,
genuineness, and finality thereof, subject to its satisfaction that there is no rival claim in respect of such
bond and on production of all documents required to substantiate the claim.
For that purpose it may call for any other document or declaration, as it may consider necessary. It may
also require the claimant to furnish a bond of indemnity for such amount as it may think fit, if found
necessary. If the claim is found to be in order, the name/s of the nominee/s will be substituted as the
bond holder/s in place of the deceased holder - and a fresh Certificate of Holding will be issued under
proper authentication. In the event of doubt the case may be referred to PDO, Mumbai by the
Branch/Depository.
5. Forms of holding and dematerialization
(i) SGBs are issued as Government of India stock by RBI and are eligible to be held in either Bond Ledger
Account (BLA) with Reserve Bank of India or with Depositories viz NSDL/CDSL in the demat account.
(ii) The applicant can make a specific request either at the time of subscribing to the bond or at a
subsequent occasion for conversion of the bond to dematerialized form. The process of conversion will be
subject to the correctness of details supplied by the applicant, such as name, DP ID, Client ID and
acceptance of the record by the Depositories. Care may be taken by Branches to ensure that the name of
the investor entered by them in RBI’s portal corresponds with that in the Depositories’ records.
Confirmation may be taken from the customer in this regard before uploading the details.
(iii) If the holder desires to convert the SGB held in BLA with RBI into de-materialized form subsequent to
allotment, the Branches may accept the request along with details viz., name of the Depository, DP ID,
Client ID, PAN of the first holder etc. The Branches will forward the request to Link Cell, Nagpur & Link Cell;
Nagpur shall enter the details in the E-Kuber portal. Such requests will be processed by Mumbai PDO, RBI
on a consolidated basis every week and the details will be sent to the Depository as the case may be, for
validation. Once the details are validated by the Depository, the bonds will be transferred by PDO Mumbai
to Depository for onward credit to the demat accounts of the beneficiaries. Cases of rejection or
acceptance as communicated by the Depository will be communicated to the Branches by Mumbai PDO,
RBI. In cases of rejection, the Branches are free to resubmit the request after making the necessary
corrections.
(iv)Timely servicing of all the SGB held in dematerialized form is the responsibility of the respective
Depository viz NSDL/CDSL. They shall ensure timely credit of interest and repayment and render customer
service to the demat account holders of SGB.
6. Re-materialization
The customer may approach the Depository Participant, with a request for re-materialization of the bonds
with details of his holding. They may also specify the Bank and bank account details (name of bank,
branch, account number, IFSC and type of account) through which the bonds will be serviced pursuant to
re-materialization. The re-materialization request may be prepared by the Depository Participant based on
the application and may be forwarded to the Depository. The request may be submitted by depository
through E-Kuber Portal. No trading will be permitted for the securities sent for re-materialization. Post
conversion, the bonds will be held in BLA with RBI and servicing of the rematerialized bonds shall be done
by the Branch specified by the investor.
7. Transfer of Bonds
(i) The Bonds are issued in the form of Stock Certificate and are therefore transferable before maturity to
eligible transferees either wholly or in part by execution of an instrument of transfer in Form 'F', in case of
bond held in the Bond Ledger Account in accordance with the provisions of the Government Securities
Act, 2006 and the Government Securities Regulations, 2007.
(ii) In case of bond held in demat account with the NSDL/CDSL; the beneficial ownership of dematerialized
bonds can change either through trading in exchanges /off market transactions as per the extant practice
through the Depository Participant.
8. Procedure for recording transfer of bonds
(i) Investors holding bonds in BLA may approach the Branch for effecting transfer of bonds before maturity
from one eligible holder to another, through sale or by way of gift.
(ii) The Branch may obtain the Transfer Form duly executed as per Form 'F' along with a copy of the
Certificate of Holding.
(iii) The Branch shall cross check the correctness of details given in co-ordination with Link Cell, Nagpur,
with the data available on the E-Kuber portal/ their records.
(iv) The KYC details of both the transferor and transferee may be verified by the Branch.
(v) The transfer request may then be processed through the E-Kuber Portal.
(vi) It may be noted that in terms of sub-section (4) of section 9 of the GS Act, the existing nomination, if
any, shall stand cancelled on transfer. If the transferee wants to add a nominee, the RO may do the
needful as per procedure prescribed at paragraph 5 of these guidelines.
(vii) A revised Certificate of Holding may be generated from the E-Kuber Portal and issued to the
transferee. The transfer of accounts will not disrupt interest payment schedule and the transferee/ holder
will continue to earn interest on the relevant due dates.
9. Partial transfer of bonds held in stock certificate form:
In case of part transfer, the original Certificate of Holding shall stand cancelled and new Certificates of
Holding may be generated and issued to the transferor and transferee reflecting the changed holding.
10. Recognition of title to SGB of deceased sole holder or joint holders and right of survivors of joint
holders or several payees (when no valid nomination exists)
(i) Recognition of title to a bond of deceased sole holder or joint holders and right of survivors of joint
holders or several payees, shall be subject to the provisions of Sections 7 and 8 of the Government
Securities Act 2006 read with Regulation 6 of the Government Securities Regulations 2007.
(ii) Once a claim is received by the Branch/Depository, as the case may be, it may recognize the claim in
terms of Section 7 of the GS Act 2006 and Regulation 6 of the Government Securities Regulation 2007,
subject to its satisfaction with respect to the legality, genuineness, and finality thereof, provided there is
no rival claim in respect of such bond and on production of all documents required to substantiate the
claim. For that purpose, it may call for any other document or declaration, as it may consider necessary. It
may also require the claimant to furnish a bond of indemnity for such amount as it may think fit, if found
necessary.
(iii) In the event of doubt, the case may be referred to PDO, Mumbai by the Branches/Depository.
11. Loan against the bonds and creation of pledge, hypothecation or lien.
(i) The bonds may be used as collateral security for any loan. The creation of pledge, hypothecation or lien
on the bonds shall be governed by Section 28 of the Government Securities Act, 2006 and Chapter VII of
the Government Securities Regulations, 2007.
(ii) The Loan to Value ratio as applicable to any ordinary gold loan mandated by the Reserve Bank of India
shall also apply to the bonds.
(iii) The pledge/hypothecation/lien on the bond held in stock certificate form shall be recorded and
revoked by the banks providing the loan, in accordance with the provisions of section 28 of GS Act and
Chapter VII of GS Regulations, using the facility provided in the E-Kuber portal. The lien marking rights in
case of bonds held in BLA is provided to the Bank, who can do the same through E-Kuber portal of RBI.
(iv) In case of dematerialized bonds, the lien is marked by the depositories in line with the practice
followed for other stocks and shares which are accepted as collateral by the banks. The detailed
procedure for marking of lien is provided in the user manual on our website. (Reference-BCC: BR: 111:593
dated 08.11.2019)
(v) In the event of the bank invoking the pledge/hypothecation/lien, after initiating the necessary entry In
E-Kuber, the authorisation request for transfer of the bonds to the bank may be submitted to PDO,
Mumbai through E-mail in accordance with the provisions of Chapter VII, Regulation 21 of the
Government Securities Regulation 2007, with additional supporting documents including court order, if
any.
12. Payment of Interest
(i) The interest on the bonds, as applicable, shall be paid on a half yearly basis. The amount will be
credited by RBI to the bank account of the holder of bonds in case of bond held in BLA through electronic
means on the date on which the interest is payable. Where the bonds are held in dematerialized form, the
interest amount will be disbursed through depositories, who will arrange to credit the amount to the bank
accounts of the holders (as available in their records) through electronic means on the due date.
(ii) In case, it is not possible to accord credit to the account of the beneficiary due to closure of bank
account or otherwise, destination banks shall return the transaction to PDO Mumbai/RBI within two hours
of completion of the batch in which the transaction was processed along with details of UTR number.
13. Repayment of Bonds
Branch/depository shall inform the investor about the date of maturity of the Bond one month before its
maturity. The Bond shall be repayable on the expiration of eight years from the date of issue of the bond.
No claim needs to be submitted to RBI for the purpose by the investors.
Premature redemption of the bonds is permitted after five year from the date of issue of such bond, on
the date on which the next interest is payable. The request for pre-mature redemption shall be submitted
to the Branch or Depository through DP (in case of dematerialized securities) at least 10 days before the
next interest payment date. If the Branch/Depository Participant/Depository so desires it can call for
additional documents, KYC proof, declaration etc.
The request shall be scrutinized to verify the correctness of the particulars and may be submitted to RBI
through the E-Kuber Portal at least four days before the due date of interest. On maturity and in case of
premature redemption, the Bonds shall be redeemed in Indian Rupees and the redemption price shall be
based on simple average of closing price of gold of 999 purity of previous week (Monday to Friday) for
SGBs issued under tranche 1 to 9 and previous three working days for tranches issued thereafter at the
rate published by the India Bullion and Jewellers Association Limited. The redemption proceeds shall be
credited to the bank account of the customer.
14. Payment of brokerage
Bank may by its own, appoint agents for increasing subscription of Sovereign Gold Bonds. Commission for
distribution to such agents shall be paid at the rate of rupee one per hundred of the total subscription
received by the Bank on the applications received and Bank shall share at least 50% of the commission so
received with the agents or sub-agents for the business procured through them.
15. Change of address, correction of name, change of account number and other miscellaneous requests
in case of bonds held in the form of stock certificates.
The requests of the customer (in plain paper) in case of bonds held in the form of BLA with RBI supported
by the Certificate of Holding may be processed by the Branches through Link Cell, Nagpur through the E-
Kuber portal after verification of the particulars and subject to their satisfaction. The Branches may call for
additional documents if deemed necessary. The requests may be entered by Link Cell, Nagpur in the RBI
portal for giving effect to the changes.
16. Preservation of Records
The application forms and other requests may be preserved by the Branches/Depository Participants till
the maturity of the bond. Premature redemption request may be preserved for three years from the date
of payment of proceeds.
17. Links (for Link Cell only)
The link to various user manual related to various modules in E-Kuber is as under:
For subscription - SGB USER FLOW- INTIATION.
For Subscription Cancellation - SGB CANCELLATION.
For nomination - Nominee details modification.
For Transfer and lien marking - For Lien Marking and Transfer
For dematerialization & re-materialization - Demat and Remat Flow.
18. Contact Details
Any queries/clarifications may be e-mailed to the following:

(a) Sovereign Gold Bond related: Please send email on oltas.dharam@bankofbaroda.com
(b) IT related: Please send email gbm.ito@bankofbaroda.com
(c) For Scheme related query: gb.delhi@bankofbaroda.com
19. These procedural guidelines are issued by RBI in exercise of the powers conferred by sub-section (2) of
Section 29 of the Government Securities Act, 2006 and of all the powers enabling it in this behalf and any
non-compliance shall invite penal provisions under Section 30 of the Act, ibid.
20. With the issue of these instructions / guidelines contained in the following circulars issued by the
Reserve Bank of India stand repealed:
A. List of circulars on Operational/Procedural Guidelines that stands subsumed:
Sr.No Circular no Date Description

1 RBI/2015-16/222 November 4, Sovereign Gold Bonds, 2015-16 -
IDMD.CDD.No.968/14.04.050/2015-16 2015 Operational Guidelines
2 RBI/2016-17/19 July 14, 2016
Sovereign Gold Bonds, 2016-17 -
IDMD.CDD.No.112/14.04.050/2016-17 Operational Guidelines
3 RBI/2016-17/54 August 29, Sovereign Gold Bonds 2016-17 Series
IDMD.CDD.No.463/14.04.050/2016-17 2016 II – Operational Guidelines
4 IDMD.CDD.No.892/14.04.050/2016-17 October 20, Sovereign Gold Bonds- Maximum
2016 Limit of Investment and Acceptance
as Collateral- Clarification
5 RBI/2016-17/99 October 20, Sovereign Gold Bonds 2016-17 Series
IDMD.CDD.No.894/14.04.050/2016-17 2016 III – Operational Guidelines
6 RBI/2016-17/193 IDMD December Procedural Guidelines for Servicing

No.1569/14.04.050/2016-17 23, 2016 the Sovereign Gold Bonds
7 RBI/2016-17/235 February 23, Sovereign Gold Bonds, 2016-17 –

IDMD.CDD.No.2188/14.04.050/2016-17 2017 Series IV - Operational Guidelines
8 RBI/2016-17/290 April 20, Sovereign Gold Bonds, 2017-18 –

IDMD.CDD.No.2759/14.04.050/2016-17 2017 Series I - Operational Guidelines.
9 RBI/2017-18/18 July 06, 2017 Sovereign Gold Bonds, 2017-18 –

IDMD.CDD.No.29/14.04.050/2017-18 Series II - Operational Guidelines
10 RBI/2017-18/72 October 06, Sovereign Gold Bonds Scheme,
IDMD.CDD.No.927/14.04.050/2017-18 2017 Operational Guidelines
11 RBI/2017-18/164 April 13, Sovereign Gold Bond Scheme 2018-

IDMD.CDD.No.2652/14.04.050/2017-18 2018 19 Series-I, Operational Guidelines
12 RBI/2018-19/58 October 08, Sovereign Gold Bond Scheme 2018-

IDMD.CDD.No.822/14.04.050/2018-19 2018 19, Operational Guidelines
13 RBI/2018-19/193 May 30, Sovereign Gold Bond Scheme 2019-

IDMD.CDD.No.3391/14.04.050/2018-19 2019 20 - Series I/II/III/IV - Operational
Guidelines
14 RBI/2019-20/74 September Sovereign Gold Bond (SGB) Scheme

IDMD.CDD.No.891/14.04.050/2019-20 30, 2019 2019-20 - Series V/VI/VII/VIII/IX/X -
Operational Guidelines
Annex I
Tranche wise detail of issuances
S. No Series GoI notification Issue Issue Commence Date of

(Tranc no. Price date ment of redemption
he) / unit premature (After 8
redemption years)
(Early exit
option after
5 years, to
be exercised
on interest
payment
dates only)
1 2015-I GoI notification 2684 30-Nov-15 30-May-21 30-Nov-23
F.No.4(19)-
W&M/2014
2 2016-I Notification 2600 08-Feb-16 08-Aug-21 08-Feb-24
F.No. 4(19)-
W&M/2014
dated January
14, 2016
3 2016-II Notification 2916 29-Mar-16 29-Sep-21 29-Mar-24
F.No. 4(19)-
W&M/2014
dated March 04,
2016
4 2016-17 Notification 3119 05-Aug-16 05-Feb-22 05-Aug-24
Series I F.No. 4(7)-
W&M/2016
dated July 14,
2016
5 2016-17 Notification 3150 30-Sep-16 30-Mar-22 30-Sep-24
Series II F.No. 4(7)-
W&M/2016
dated August 29,
2016,
6 2016-17 Notification 3007 17-Nov-16 17-May-22 17-Nov-24
Series III F.No. 4(16)-
W&M/2016
dated October
20, 2016
7 2016-17 Government of 2943 17-Mar-17 17-Sep-22 17-Mar-25
Series India has vide its
IV Notification
F.No. 4(16)-
B(W&M)/2016
dated February
23, 2017
2
8 2017-18 Notification 2951 12-May-17 12-Nov-22 12-May-25
(W&M)/2017
dated April 20,
2017
9 2017-18 Notification 2830 28-Jul-17 28-Jan-23 28-Jul-25
B/(W&M)/2017
dated July 06,
2017
10 2017-18 Notification 2956 16-Oct-17 16-Apr-23 16-Oct-25
B/(W&M)/2017
dated October
06, 2017

Series F.No. 4(25)-
IV B/(W&M)/2017
dated October
06, 2017

Series V F.No. 4(25)-
B/(W&M)/2017
dated October
06, 2017
Series F.No. 4(25)-
VI B/(W&M)/2017
dated October
06, 2017
Series F.No. 4(25)-
VII B/(W&M)/2017
dated October
06, 2017
Series F.No. 4(25)-
VIII B/(W&M)/2017
dated October
06, 2017
Series F.No. 4(25)-
IX B/(W&M)/2017
dated October
06, 2017
17 2017-18 Notification 2961 04-Dec-17 04-Jun-23 04-Dec-25
Series X F.No. 4(25)-
B/(W&M)/2017
dated October
06, 2017
3
Series F.No. 4(25)-
XI B/(W&M)/2017
dated October
06, 2017
Series F.No. 4(25)-
XII B/(W&M)/2017
dated October
06, 2017

Series F.No. 4(25)-
XIII B/(W&M)/2017
dated October
06, 2017
21 2017-18 Notification 2881 01-Jan-18 01-Jul-23 01-Jan-26

Series F.No. 4(25)-
XIV B/(W&M)/2017
dated October
06, 2017
22 2018-19 Notification 3114 04-May-18 04-Nov-23 04-May-26
Series I F.No.4(8)-
W&M/2018
dated April 13,
2018
W&M/2018
dated October
08, 2018
W&M/2018
dated October
08, 2018
Series F.No. 4(22)-
IV W&M/2018
dated October
08, 2018
Series V F.No. 4(22)-
W&M/2018
dated October
08, 2018
27 2018-19 Notification 3326 12-Feb-19 12-Aug-24 12-Feb-27
Series F.No. 4(22)-
VI W&M/2018
dated October
08, 2018
28 2019-20 Notification 3196 11-Jun-19 11-Dec-24 11-Jun-27
W&M/2019
dated May 30,
2019
4
29 2019-20 Notification 3443 16-Jul-19 16-Jan-25 16-Jul-27
W&M/2019
dated May 30,
2019
30 2019-20 Notification 3499 14-Aug-19 14-Feb-25 14-Aug-27
W&M/2019
dated May 30,
2019
31 2019-20 Notification 3890 17-Sep-19 17-Mar-25 17-Sep-27
Series F.No. 4(7)-
IV W&M/2019
dated May 30,
2019
Series V F.No.4(7)-B
W&M/2019
dated
September 30,
2019
Series F.No.4(7)-B
VI W&M/2019
dated
September 30,
2019
Series F.No.4(7)-B
VII W&M/2019
dated
September 30,
2019
Series F.No.4(7)-B
VIII W&M/2019
dated
September 30,
2019
36 2019-20 Notification 4070 11-Feb-20 11-Aug-25 11-Feb-28
Series F.No.4(7)-B
IX W&M/2019
dated
September 30,
2019
37 2019-20 Notification 4260 11-Mar-20 11-Sep-25 11-Mar-28
Series X F.No.4(7)-B
W&M/2019
dated
September 30,
2019
5
APPLICATION FORM FOR SOVEREIGN GOLD BOND 2020-21
(Put wherever required)
Name of Receiving Office Name of Branch:
Mode of Subscription Cash Cheque / DD Electronic Transfer

Cheque / Demand Draft Drawn on Cheque / Demand
Grams of Gold Applied for Dated
(Name of the Bank & Branch) Draft No.
(In figures)
(In words)
Amount: Rs. (in figures) (in words)
PAN number of the first/ sole applicant (mandatory)
Applicant status: Resident Individual [ ], Trusts [ ], Charitable Institution [ ], University [ ], others [ ], Please specify:
Applicant(s) Detail (in block letters) EXISTING RBI INVESTOR ID, IFANY
FIRST/ SOLE APPLICANT’S NAME IN FULL,
Date of Birth (minor)

Passport/Aadhar / PAN /TAN / Voter ID No. (any one of the above)
SECOND APPLICANT’S NAME IN FULL
Guardian (in case of minor)
FIRST/ SOLE APPLICANT’S / GUARDIAN’S ADDRESS IN FULL (DO NOT FILL IN NAME AGAIN)
CONTACT DETAILS
Phone Fax
Email
BANK PARTICULARS FOR PAYMENT OF INTEREST WARRANT/ REDEMPTION
Account Holder Name

Bank Name Account No.
Branch Name /Address IFSC Code
Account Type SB Account Current Account
Nominee details- Nomination Form (as applicable) to be filled and attached

Depository participant details (to avail of option to hold the bond in demat form)
Depository Name NSDL CDSL (For NSDL, enter 8 digit dp ID followed by 8 digit client ID, For CDSL enter 16 digit client ID)
DP/ Client ID
Declaration: I/We hereby declare and undertake that (i) my/our aggregate investment in Sovereign Gold Bonds 2020-21
does not exceed 4kg f or individual and HUF & 20 Kg for trust and sim ilar entities during the financial year 2020-
21 and (ii) the Information furnished in this application form is correct, (iii) I have read and understood the details of
information for the investors as well as rights and duties of investors (copy attached).The agent/bank has explained the
features of the scheme.
Signature Signature Signature

1st Applicant 2nd Applicant Guardian
Date Place
Date, Bank Stamp & Signature of the

authorized official of the bank/Post Office
In case of thumb impression, attestation by two witnesses
Thumb Impression
Witnesses:
Name of 1st Witness Name of 2nd Witness
Address Address
Signature Signature
H.U.F. declaration (mandatory, if applicant is Karta of HUF)
I,……………………………………………………………,residing at the address given against First Applicant, do solemnly affirm that I am the Karta of the
Hindu Undivided Family and as such have full powers to sell, endorse, transfer or otherwise deal in the Sovereign Gold bonds 2020-21, standing in the
name of the HUF.
Specimen signature for and on behalf of the HUF (name of the HUF) ……………………………………………………………
Place
Date (Signature of the Karta with seal of HUF)
For Office use only

Date of receipt BLA No. CIF No. Date of Credit to Nomination HUF declara- Total limit NEFT/ECS Any other
of Application Govt. A/C registered on tion obtained declaration mandate information
(DD/MM/YYYY) (DD/MM/YYYY) (DD/MM/YYYY) (Y/N) obtained obtained
(Y/N) (Y/N)
Part of Form A
Information for Investors of Sovereign Gold Bond 2020-21
Item Sovereign Gold Bond 2020-21

1) Category of Investor The Bonds will be restricted for sale to resident
Indian entities including individuals, HUFs, Trusts,
charitable institutions and Universities.
2) Limit of investment Minimum subscription of 1 Gram and Maximum
investment of 4kg for individuals and HUF & 20kg
for trust and similar entities per investor per annum.
3) Date of Issue of Date of receipt of bond will be the same which is
bonds inscribed on the holding certificate.
4) Forms of Bonds De-mat and Physical (Certificate of Holding).
5) Interest Option Half yearly intervals. Interest will be credited
directly in to the account mentioned in the
application form or in the Account linked with the
Demat a/c.
6) Post Maturity Interest Post Maturity Interest is not payable.
7) Bank account It is mandatory for the investors to provide bank
account details to facilitate payment of interest
/maturity value.
8) Nomination The sole Holder or all the joint holders may
Facility nominate a maximum of two persons as nominee.
9) Maturity period 8 years from the date of issue.
10) Premature On the coupon dates after the 5th year of issuance.
redemption
11) Tradability Trading of these bonds on stock exchanges shall be
notified.
12) Loans from banks The holders of the said securities shall be entitled to
against the security of these create pledge, hypothecation or lien in favour of
bonds scheduled banks.
13) Application forms Branches of all the scheduled commercial banks,
designated Post offices, SHCIL and authorised stock
exchanges.
Instructions for Investors/ Applicants
a) Application should be complete in all respects.

b) Incomplete applications may be rejected or delayed till full particulars are available.
c) In case the application is submitted by a Power of Attorney (POA) holder, please submit original
POA for verification, along with an attested copy.
d) In case the application is on behalf of a minor, please submit the original birth certificate from
the School or Municipal Authorities for verification, together with an attested copy.
e) Please note that nomination facility is available to a Sole Holder or all the joint holders
(investors) of an SGB.
f) In case nominee is a minor, please indicate the date of birth of the minor and a guardian can be
appointed.
g) Nomination facility is not available in case the investment is on behalf of minor.
h) Please provide bank account details for receiving payment through Electronic mode.
i) Please notify the change of bank account, if any, immediately.
j) POST MATURITY INTEREST IS NOT PAYABLE.
k) Indicate your date of birth.
Rights of the Investors
a) Holding Certificate will be issued to the investor.

b) The interest on the bond is paid half-yearly. The servicing of the Interest will be done through
the bank account provided in the Application form or through the A/c linked to the de-mat, as
the case may be.
c) Application forms for investments under Sovereign Gold Bonds 2020-21 are available on the
website at www.rbi.org.in/finmin.nic.in
d) A sole holder or all the joint holders may nominate maximum of two nominees to the rights of
the bonds.
e) The nomination will be registered at the Office of Issue and a Certificate of Registration will be
issued to the holder.
f) The nomination can be altered by registering a fresh nomination.
g) The existing nomination can be cancelled by a request to the Office of Issue.
h) The investor is entitled to receive repayment amount within five clear working days from the
date of tender of application for early redemption.
In case the bank does not comply with the above, you may lodge a complaint in writing in to the
nearest office of Reserve Bank of India as under:
THE REGIONAL DIRECTOR,

RESERVE BANK OF INDIA,
CONSUMER EDUCATION AND PROTECTION DEPARTMENT/
BANKING OMBUDSMAN
(LOCATION)
--------------------------------------
YOU MAY ALSO ADDRESS YOUR COMPLAINT TO:
THE CHIEF GENERAL MANAGER

INTERNAL DEBT MANAGEMENT DEPARTMENT
CENTRAL OFFICE
FORT, MUMBAI-400 001, MAHARASHTRA
Disclaimer: - I have read and understood the details of information for the investors as well as
rights and duties of investors. The agent/ bank has explained the features of the scheme to me.
Signature of the applicant

Form ‘B’
[See Paragraph 5(4)]
Acknowledgement Receipt
Application No………………………….
Date ………/………/…………………
Received from Mr/ Mrs / Ms…………………………………………………………………………………………Cash/

Demand Draft/Cheque No./Electronic Transfer/……………………………………………… dated
……/………/…… drawn on (Bank and branch) ……………………………………………………………………
………………………… for ___ grams totaling an amount of `..…………… (Rupees…………………
…………………..…………………………… only) for the purchase of Sovereign Gold Bond 2020-21 –
Series I/II/III/IV/V/VI for a period of 8 years, interest payable on basis of the nominal
value of `………………………… (Rupees…………………………………………………………………………………
……………………………………… only).
(Stamp / Seal of the Receiving Office)

Form ‘C’
[See paragraph 6 (1)]
Government of India
2020-21
SOVEREIGN GOLD BOND 2020-21
_______________________
2020-21 – I/II/III/IV/V/VI ` ______
, 2020-21 – I/II/III/IV/V/VI
___ , ------------
------------ --------
I hereby certify that, Smt. /Shri --------------------------------------------------------------------------------------

is the registered holder of ---------------------------------------------- units of Sovereign Gold Bond 2020-21 –
Series I/II/III/IV/V/VI. The Sovereign Gold Bond 2020-21 – Series I/II/III/IV/V/VI will bear interest at -----
----percent per annum on initial investment of `---------------, payable at half yearly intervals on ----------
----------------and --------------------------------- every year. The Bonds are redeemable on -------------- with the
option for early redemption after fifth year on interest payment dates.
Application Receiving Office
This is a system generated certificate and does not require any signature.
Form ‘D’
[See paragraph 16]
NOMINATION
I/We …………………………………………………………… (Name and address), the

holder/s of Stock certificate /BLA No………………for the loan……………….. hereby
nominate the following person/s who shall on my/our death have the right to the
Government securities/Bonds and receive payment of the amount for the time being due
on the Government securities/Bonds specified below:
PARTICULARS OF NOMINEE:
Date Amount Dateof Full name with Date Relation- Particulars

of repayment expanded of Ship to Of bank
issue initials and birth holder/s account
address of incase
nominee of
minor
To be filled in case if nominee is minor: As………………………………………. the

sole nominee above is a minor on this date, I/We appoint Shri/Smt./Kum
……………………………………………to receive the amount for the time being
Due to the above Government securities/Bond in the event of my/our death during the
minority of the said nominee.........................................................................
If the nomination is in substitution of the one already made: This nomination is in

substitution of the nomination dated…………………made by me/us and registered on
your books at………………………..which shall stand cancelled on registration of this
nomination.
Place: (Signature(s) of the Stock Certificate holder(s)
/BLA holder(s))
Date:
Signature with name and address of witnesses:
1…………………………………………………………………………………………
2…………………………………………………………………………………………
Acknowledgment
We acknowledge having registered the nomination in favour of………………………

(Name of nominees) for the Stock Certificate/BLA No.……………………for the
loan……………………… and the nomination registration no. is…………………
Please quote the above nomination registration no. in all communication pertaining to
change or cancellation of nomination.
Date:…………………. Authorised Official……………………..

Form ‘E’
[See paragraph 16]
CANCELLATION OF NOMINATION
I/We………………………………………(name and address) do hereby cancel the

nomination dated…………………………made by me/us in respect of the following
Stock certificate/Bond Ledger Account No., and registered by the Public Debt
Office/branch of the Agency bank on……………………(date) vide Registration
No.………………...
Particulars of the Stock Certificate/Bonds
Date of Issue Nomenclature of Stock Certificate/ Amount ( )

The BLANo.
Place: (Signature(s) of the Stock Certificate holder(s)

Date: . /BLA holder(s))
Signature with name and address of witnesses:
1…………………………………………………………………………………………
2…………………………………………………………………………………………
Acknowledgment
We acknowledge having cancelled the nomination in favour of ………………………

(Name of Nominees) for the Stock Certificate/BLA No.……………………for the loan
………………………noted vide our nomination registration no.……………..
Dated…………………
Date:…………………. Authorised Official……………………..

Form ‘F’
[See paragraph 17]
TRANSFER OF STOCK CERTIFICATES
I/We* …………………………. (transferor/s) do hereby assign and transfer my/our* interest

or share in the inscribed stock certificate number……………..of ………… percent
Government Loan of ……………. amounting to `………. being the amount /a portion ofthe
stock for `………. as specified on the face of this instrument together with the accrued
interest thereon to ……………………….(transferee/s), his/her/their* executors,
administrators or assigns, and I/We* …….………… dofreely accept the stock certificate
number ……………….to the extent it has been transferred tome/us*.
I/We*……………………….(transferee/s) hereby request that on my/our*being registered as

the holder/s of the stock transferred to me/us*, the above stock certificate to the extent it has
been transferred to me/us* may be renewed in my/our*name (s)/converted in
my/our*name(s).
@I/We*……………………….(transferor/s) hereby request that on the above

transferee(s)being registered as the holder/s of the stock hereby transferred to him/them*,the
aforesaid stock certificate to the extent it has not been transferred to him/them*may be
renewed in my/our*name(s).
As witness, our hand the …………… day of …………… two thousand and ………………
Signed by the above-named transferor Signature of transferor………………..

In the presence of** ……………………. Address:……………………………...
……………………………………….. ………………………………………..
Signed by the above-named transferee Signatureoftransferee………………..
In the presence**………………………. ………………………………………..
……………………………………….. ………………………………………...
*:Delete whichever is not applicable.

@:This paragraph is to be used only when a portion of the Certificate is transferred.
**:Signature, occupation and address of witness. Witness should be different for
Transfer or and transferee.
Transferred:
Stock Certificate issued No/s………………….dated……………………………..
Manager, Reserve Bank of India,…………………………..

Job Card for SGB
MENU OPTION: SGB (SOVEREIGN GOLD BOND SUBSCRIPTION THROUGH SGB)

KEY/VALUE
1 Type SGB in the Menu Shortcut field and click <Go> Go
2 FUNCTION – A – ADD
ENTER THE CUST ID OR SELECT FROM THE SEARCHER
The following fields will appear on next screen
BOND APPLICATION DETAILS :

KYC COMPLIANT
Auto-populated by the system
MINOR FLAG
Auto-populated by the system
NRE / CONST. Auto-populated by the system
CODE
GENDER Auto-populated by the system
APPLICANT DETAILS :
MAIN APPLICANT Auto-populated by the system

NAME
DATE OF BIRTH Auto-populated by the system
MAIN APPLICANT Auto-populated by the system

IDENTITY TYPE
ID DETAILS Auto-populated by the system
ID EXPIRY DATE Enter The Expiry Date Or Select It By Clicking On The

Calendar
ADDRESS LINE1 Auto-populated by the system
ADDRESS LINE2 Auto-populated by the system
CITY Auto-populated by the system
STATE Auto-populated by the system
PIN CODE Auto-populated by the system
PHONE / MOBILE Auto-populated by the system

NO.
EMAIL ID Auto-populated by the system
APPLICATION Select From Drop Down List

CATEGORY
BOND INVESTMENT AND SUBSCRIPTION DETAILS :
GOLD RATE PER Auto-populated by the system

GRAM ( IN INR)
APPLIED GRAM OF Enter the quantity

GOLD
TOTAL AMOUNT Auto-populated by the system after entering applied gold

INVESTED
DEPOSITORY Select from drop down list

NAME
DP / CLIENT ID Enter the dp / client id in respective fields
TRAN TYPE Select from drop down list
MODE OF Select from drop down list

HOLDING
INVESTOR ID Auto filled ( auto generated by system )

DEBIT ACCOUNT Enter the valid account no
NO
NOMINATION DETAILS :
NAME Enter the name of nominee
DOB Enter the DOB of nominee
NO OF UNITS Enter the Units to be allotted to Nominee ( More than one

nominee can be added and No of units can be divided
between them as per customer instruction )
PRESS << ADD >> TO ADD MORE NOMINEE
IF NOMINEE IS MINOR
GUARDIAN NAME Enter the Name of Guardian
RELATION Select from Drop down
Press << Submit >> One reference no. will generate
( The entry made is to be Verified by another user )
( If required - the entry made can be Cancelled before Verification, and Inquired )
3 FUNCTION – VERIFY
REFERENCE Enter the reference number or select from the searcher , on

NUMBER next screen – details will come . Submit
4 FUNCTION – CANCEL

5 FUNCTION – INQUIRY
JOB CARD FOR PURCHASING SOVEREIGN GOLD BOND THROUGH NET BANKING
LOGIN to e-Banking  INVEST  SOVEREING GOLD BOND
SELECT ACCOUNT from which the Gold Bond is to be purchased and CONTINUE:
Details of the Investor from the Account will be fetched as shown below. Check the details and
PROCEED if the details are correct:
Following screen will appear for applying Units of Gold and Nominations. Investors can also hold
the bond in Demat form by entering their DEPOSITORY ID and DEPOSITORY CLIENT ID after
selecting DEPOSITORY NAME.
Investor can apply for maximum -2- nominations. To add a nominee use ADD MORE option and
click PROCEED.
Declaration page with the details entered by the Investor will appear. To proceed for payment
the declaration is to be checked. On checking the declaration system will ask for TRANSACTION
PASSWORD.
On successful submission of the application REF NO. as shown below will be generated for future
reference.
Investor may view their investments in SGB through the option VIEW APPLICATIONS. Investors
can download their Bond/ Certificates through this option once RBI issues the same to the
Investors.
Atal Pension Yojana (APY)
About APY:
The Govt. of India announced the introduction of universal social security schemes in the pension sectors
for all Indians specially the poor and the under - privileged, in the Budget for the year 2015-16.
Accordingly, Govt. announced the launch of Atal Pension Yojana (APY) w.e.f. 1st June, 2015.
The scheme has been formulated targeting the unorganized workers. The beneficiaries under the scheme
will no longer be worried about their age, health or penury in old age as they will be covered by pension
even though they are working in unorganized sector.
Under the APY, the subscribers will receive a fixed minimum pension of Rs.1000 per month, Rs.2000 per
month, Rs. 3000 per month, Rs. 4000 per month, Rs. 5000 per month, after attaining age of 60 years. The
pension amount depends upon their contributions which is based on entry age of the subscriber under
APY.
APY scheme is regulated by Pension Fund Regulatory & Development Authority (PFRDA) established by
GoI to promote old age income security in the country.
Eligibility:
Any Citizen of India can join APY scheme. The following are the eligibility criteria: -
(i) The age of the subscriber should be between 18 and 40 years.
(ii) He / She should have a savings bank account.
All existing NPS subscribers between 18 to 40 years of age may also join APY for availing benefits of
guaranteed pension upto Rs. 5000/- and income - tax benefits on APY contributions.
Subscriber Registration:
• The individual is required to submit duly filled APY Subscriber Registration Form at the Bank where
he/she is having his/her SB Account.
• Branch to use the menu APY in Finacle for registering the subscriber and submit.
• On T+1 NPS Nodal Cell, Service Branch Mumbai, will fetch all records of registrations made by the
Branches along with the contribution amount and will upload the same at NSDL for final
registration.
Contribution in the account:
• APY contributions will be collected through auto-debit of their savings bank account with a
frequency of Monthly, Quarterly or Half yearly as opted by the subscriber.
• In case of monthly contribution amount will be debited on the same day of the particular month
on which the first contribution has been made.
• In case of quarterly contributions amount will be debited on in the first month of the quarter.
• In case of half-yearly contributions amount will be debited on the first month of the half year.
• The contribution amount will be arrived on the basis of chart enclosed as Contribution Chart
(enclosed). The chart has been prepared by PFRDA, and contribution amount have been decided
as per the Age of the subscriber, Pension Amount (i.e. Rs. 1000 to Rs. 5000/-) and frequency of
the contribution.
Default in contribution:
• Penalty will be levied at rate of Re. 1 per month for contribution of every Rs. 100, or part thereof,
for each delayed contributions.
• The overdue interest amount collected will remain as part of the pension corpus of the subscriber.
• More than one monthly / quarterly / half yearly contribution will be recovered subject to
availability of the funds.
• In case of inadequate balance in the saving account of the subscriber till the last date of the month
/ last date of the first month in a quarter / last day of the first month in a half year, as the case
may be, it will be treated as a default and contribution will have to be paid in the subsequent
month along with overdue interest for delayed contributions.
Benefits to the subscriber:

The benefit of minimum pension under Atal Pension Yojana is guaranteed by the Government in the sense
that if the actual realized returns on the pension contributions are less than the assumed returns for
minimum guaranteed pension, over the period of contribution, such shortfall shall be funded by the
Government. On the other hand, if the actual returns on the pension contributions are higher than the
assumed returns for minimum guaranteed pension, over the period of contribution, such enhanced
scheme benefits shall be passed on to the subscribers.
The Government of India had co-contributed 50% of the total contribution or Rs. 1000 per annum,
whichever is lower, to each eligible subscriber, who joined the scheme during the period 1st June, 2015
to 31st March, 2016 and who is not a beneficiary of any social security scheme and is not an income tax
payer. The Government co-contribution will be given for 5 years from the Financial Year 2015-16 to the
Financial Year 2019-20.
List of Social Security Schemes:
i) Employees’ Provident Fund & Miscellaneous Provision Act, 1952.
ii) The Coal Mines Provident Fund and Miscellaneous Provision Act, 1948.
iii) Assam Tea Plantation Provident Fund and Miscellaneous Provision, 1955.
iv) Seamens’ Provident Fund Act, 1966. v. Jammu Kashmir Employees’ Provident Fund &
Miscellaneous Provision Act, 1961.
v) Any other statutory social security scheme.
Withdrawal/Exit from APY:

• Superannuation:
Upon completion of 60 years, the subscribers will submit the request to the associated bank for
drawing the guaranteed monthly pension and the monthly pension will get started.
• Exit Due to death:
In case of death of the subscriber before 60 years, Spouse / Nominee can withdraw the lump-sum
amount.
Option will be available to the spouse of the subscriber to continue contribution in the APY
account of the subscriber, which can be maintained in the spouse’s name, for the remaining
vesting period, till the original subscriber would have attained the age of 60 years. The spouse of
the subscriber shall be entitled to receive the same pension amount as the subscriber until death
of the spouse. Such APY account and pension amount is in addition to even if the spouse has
his/her APY account and pension amount in own name. The entire accumulated corpus till date
under APY will be returned to the spouse / nominee.
The nominee / spouse need to submit APY Withdrawal Form due to Death for withdrawal /
continuation of the account and the same is required to be submitted to Nodal Cell, Service
Branch Mumbai after marking Exit Due to Death flag under Modify option in APY menu.
• Voluntary Exit:
Voluntary Exit before 60 years of age is permitted. The option is available in Finacle under Modify
option in APY menu. Customer has to submit the Exit form and Branch needs to enter the required
details in Finacle and keep the duly filled form in the Branch itself.
Information to Subscribers for Enrollment and Maintenance:
• Subscribers can open only one APY account.
• Deduction would continue to be made in the subscriber’s APY account for account maintenance
charges and other related charges on a periodic basis till it becomes zero.
• Each subscriber will be provided with an acknowledgement slip after joining APY which would
contain the guaranteed pension amount,/due date of contribution payment/PRAN.
• The periodical information to the subscribers regarding activation of PRAN, balance in the
account, contribution credits etc. will be intimated by NSDL to the APY subscribers by way of SMS
alerts on the registered mobile number.
• Subscribers can also download the Statement and e-PRAN from NSDL website
(https://www.npscra.nsdl.co.in/). Path for the same is as follows:
Open the website using above mentioned URL  Home  Atal Pension Yojana (APY)  APY e-
PRAN / Transaction Statement View
• The subscribers having mobile number registered under APY can also use APY app launched by
NSDL for account information.
• The subscriber will also be receiving physical Statement of Account once a financial year at their
registered address.
• All subscribers under APY remain connected on their mobile so that timely SMS alerts can be
provided to them at the time of making their subscription, auto debit of their accounts and the
balance in their accounts.
• The subscribers will have the option to change the non – financial details like nominee’s name,
address, phone number etc whenever required.
• Subscriber can also change the frequency of contribution, subject to matching and booking of the
last contribution.
• For modification, the request is to be sent to NPS Nodal Cell, Service Branch Mumbai, duly verified
through the concerned Branch.
Financial Modification (Upgrade / downgrade):
a) Atal Pension Yojana subscribers are permitted to Upgrade/Downgrade their pension amount
throughout the year, which was earlier permitted only in the month of April every year. However,
this facility can be availed by the APY subscriber only once in a financial year.
b) For upgradation, the subscribers have to pay the differential amount of contribution at the rate
of 8% p.a. on monthly compounding basis whereas in the case of down gradation, the excess
amount of contribution collected from the subscriber is refunded to the subscribers along with
the returns generated.
c) For upgradation or down gradation, other than error cases, the subscribers is required to pay a
fee of Rs. 50, which will be shared equally by PoP-APYSP and CRA.
d) Subscriber needs to submit the duly filled Pension Upgrade / Downgrade form at the Branch.
Branch to forward the same to NPS Nodal Cell, Service Branch Mumbai for further processing of
the request.
NPS – Lite Subscribers:
• New Registration under NPS-Lite Swavalamban scheme have been discontinued since the launch
of APY.
• The Existing Swavalamban Subscribers can continue contributing in the Scheme and avail the
benefits of the scheme (Branch can use NPSLITE menu in Finacle for contributing in the account),
however, the subscribers under the age of 18 to 40 have been given a choice to opt to migrate to
APY scheme.
• The existing Swavalamban subscriber, if eligible, can be migrated to APY with an option to opt
out.
• The Swavalamban subscriber is required to submit duly filled APY Subscriber Registration Form –
for Existing Swavalamban Subscribers at the Bank where he/she is having his/her SB Account, if
the individual wants to migrate to APY.
• The benefit of five years of government Co-contribution under APY would not exceed 5 years for
all subscribers. This would imply that if, as a Swavalamban beneficiary, he has received the benefit
of government Co-Contribution of 1 year, then the Government co-contribution under APY is
available only 4 years and so on.
• Existing Swavalamban beneficiaries opting out from the proposed APY will be given Government
co-contribution till 2016-17, if eligible, and the NPS Swavalamban would continue till such people
attained the age of exit under that scheme.
• The existing Swavalamban subscribers between 18-40 years be migrated to APY after receiving
consent from the subscriber. For seamless migration to the new scheme, the associated
aggregator will facilitate those subscribers for completing the process of migration.
• Those subscribers may also approach the nearest authorized bank branch for shifting their
Swavalamban account into APY with PRAN details.
• The Swavalamban subscribers who are beyond the age of 40 and do not wish to continue may opt
out the Swavalamban scheme by complete withdrawal of entire amount in lump sum, or may
prefer to continue till 60 years to be eligible for annuities there under.
• The Swavalamban Contributions made by the subscriber will be kept in the PRAN itself and will
remain as additional wealth of the subscriber till the time of exit. This additional wealth may be
given to the subscriber as enhanced pension to APY pension or as lump-sum withdrawal, as the
case may be and the applicable NPS Rules.
Benefits to the Bank:
For Bank: Incentive is payable to Banks @ Rs. 120/- per account during first year and Rs.100/- every year
till the account is active.
Additional incentive @ Rs.20 if Bank sources 3 lacs to 5 lacs APY accounts and @ Rs.30 if Bank sources
more than 5 lacs account per year.
For BCs/BFs: BC/BF will be eligible to receive a cash incentive of Rs. 50/- per fresh APY registration from
01st April, 2020 onwards.
For any query on APY please contact:
Telephone No. : 011-23448710/8721/1359

E-mail Id: cppc.delhi@bankofbaroda.com, gb.delhi@bankofbaroda.com
For Queries related to Voluntary Exit/Modifications:
Email id: npsnodal@bankofbaroda.com
Address: NPS Nodal Cell, City Back Office, 5th Floor, Bank of Baroda building,10/12 Mumbai Samachar
Marg, Opposite Horniman Circle,Fort,Mumbai-400001
Reference Websites:
PFRDA - http://pfrda.org.in/index1.cshtml?lsid=585
NSDL - https://www.npscra.nsdl.co.in/
Circulars issued on APY for reference:
Circular Number Issue date Description

BCC_BR_107_200 01.05.2015 Scheme Details of APY, Registration Form and FAQ for
references.
BCC_BR_107_209 09.05.2015 Country wide Campaign for implementation of Atal
Pension Yojana.
BCC_BR_107_226 20.05.2015 Detailed description of the scheme.
BCC_BR_107_241 28.05.2015 CBS Job Card of APY Module and Incentive payable to the
Bank.
BCC_BR_107_293 18.06.2015 Targets allocated to the Bank.
BCC_BR_107_325 02.07.2015 Incentive scheme for BC/BF/CSP/Staff members/Retired
Staff Members for mobilizing/registering accounts for Atal
Pension Yojana from 01.07.2015 to 31.03.2016.
BCC_BR_107_351 22.07.2015 Clarification of queries received from various branches /
administrative offices.
BCC/BR/111:337 10.07.2019 APY – Online Voluntary Exit Option
BCC/BR/111:346 12.06.2020 APY- Incentive scheme for BCs/BFs @ Rs. 50 per fresh APY
enrolment.
BCC/BR/112:417 15/07/2020 APY- drive for migration of eligible subscribers from NPS-
Lite to APY scheme
BCC/BR/112:429 23/07/2020 APY- Pension amount upgrade/downgrade option
ATAL PENSION YOJANA (APY)
(Administered by Pension Fund Regulatory and Development Authority)
SUBSCRIBER REGISTRATION FORM
To The Branch Manager/Officer In Charge, Branch, Bank/Dept. of Post

Dear Sir/Madam,
I hereby request that an APY account be opened in my name under National Pension System (NPS) as per the particulars given below:
* Indicates mandatory fields. Please fill the form in English and BLOCK letters
1. BANK DETAILS:
Bank A/c Number*
Bank Name* Bank Branch*
2. PERSONAL DETAILS:
Name of Applicant in full* Shri Smt. Kumari
Full Name*
Date of Birth* d d / m m / y y y y Age Mobile No
Email ID Aadhaar*
Married Yes No If married , spouse name is mandatory. Spouse will be the default nominee under APY.
Name of Spouse Aadhaar
Nominee’s Name* Aadhaar
Nominee’s relationship with the subscriber
Additional Details in case nominee is a Minor
Date of Birth* d d / m m / y y y y
Guardian’s Name*
��
Yes No
Whether Income Tax Payer Yes No
Is FATCA/CRS* applicable $ Yes No
$ FATCA/CRS is applicable for US Persons/Tax Residents other than India. FATCA/CRS Declaration Form needs to be submitted if you are an US person or your Country of
Birth / Country of Citizenship / Country of Residence for Tax Purpose is a country other than India.
3. PENSION DETAILS
Frequency of Contribution (Please tick(√)) * Monthly Quarterly Half Yearly

Pension Amount (Please tick(√)) * 1000 2000 3000 4000 5000
Contribution Amount I hereby authorize the bank to debit my above mentioned bank account till the age of 60 for making
payment under APY as applicable based on my age and the Pension Amount selected by me. If
(in Rs.)
the transaction is delayed or not effected at all for �� balance, I would not hold the bank
(To be filled by the Bank) responsible. I also undertake to deposit the additional amount together with overdue interest thereon.

I meet the prescribed eligibility criteria for assistance under APY and I have read and understood the terms and conditions of the Scheme. I hereby agree to the same and
declare that the information furnished by me is true and correct, to the best of my knowledge and belief. I undertake to immediately inform the bank of any change in the above
information furnished by me. Further, I do not hold any pre-existing account under APY. I understand that I shall be fully liable for submission of any false or incorrect information
or documents. I have read/been explained and have understood the APY guidelines. I further agree to be bound by the terms and conditions of provision of services under the
scheme as approved by PFRDA/Govt. of India.
I hereby authorize PFRDA to use my Aadhaar details for APY and authenticate my identity through the Aadhaar Authentication system in accordance with the provisions of the
Aadhaar (Targeted Delivery of Financial and other subsidies, Benefits and Services) Act, 2016 and rules and regulations notified thereunder. I have been given to understand that
my information submitted to PFRDA herewith shall not be used for any other purpose other than mentioned above, or as per requirement of law.
Signature/Thumb Impression* of Subscriber
Place (* LTI in case of male and RTI in case of female)
ACKNOWLEDGEMENT - SUBSCRIBER REGISTRATION FOR ATAL PENSION YOJANA (APY)

(To be filled by the Bank)
PRAN Number
Guaranteed Pension Amount Periodicity of Contribution
Contribution Amount under APY (in Rs.)
Name of the Bank:

Bank Branch:
��
’s Name:
Date of Receipt of Application: Stamp and Signature of the Bank
*Atal Pension Yojana has now been included under the Section 7 of the Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act 2016. As per the
provisions of the act, any individual who is eligible to receive benefits under the scheme will have to furnish proof of possession of Aadhaar number or undergo enrolment under
Aadhaar authentication. All new APY registrations will have to comply with the above directives.
Self-Certification for Individual - FATCA/CRS Declaration Form
Name of Subscriber:
Permanent Retirement Account Number (PRAN):
Date of Birth:
FATCA/CRS Declaration Form
Part I- Please fill in the country for each of the following:
1 Country of:
a) Birth
b) Citizenship
c) Residence for Tax Purposes
2 US Person (Yes / No)
Part II- Please note:
a. If in all fields above, the country mentioned by you is India and if you do not have US
person status, please proceed to Part III for signature.
b. if for any of the above field, the country mentioned by you is not India and/or if your US
person status is Yes, please provide the Tax Payer Identification Number (TIN) or
functional equivalent as issued in the specific country in the table below:
i) TIN
Country of Issue
ii) TIN
Country of Issue
iii) TIN
Country of Issue
a. In case any of the parameters in Part I indicates that you are a US person or a person
resident outside of India for tax purpose and you do not have Taxpayer Identification
Numbers/functional equivalent, please complete and sign the Self-Certification section
given in Part IV.
b. In case you are declaring US person status as ‘No’ but your Country of Birth is US, please
provide document evidencing Relinquishment of Citizenship. If not available provide
reasons for not having relinquishment certificate
Please also fill Part IV Self-Certification.
Part III- Customer Declaration (Applicable for all customers)
(i) Under penalty of perjury, I/we certify that:

1. The applicant is (i) an applicant taxable as a US person under the laws of the United
States of America (“U.S.”) or any state or political subdivision thereof or therein,
including the District of Columbia or any other states of the U.S., (ii) an estate the
income of which is subject to U.S. federal income tax regardless of the source
thereof. (This clause is applicable only if the account holder is identified as a US
person)
2. The applicant is an applicant taxable as a tax resident under the laws of country
outside India. (This clause is applicable only if the account holder Is a tax
resident outside of India)
(ii) I/We understand that the NPS Trust is relying on this information for the purpose of
determining the status of the applicant named above in compliance with FATCA/CRS.
The NPS Trust is not able to offer any tax advice on CRS or FATCA or its impact on
the applicant. I/we shall seek advice from professional tax advisor for any tax questions.
(iii) I/We agree to submit a new form within 30 days if any information or certification on
this form becomes incorrect.
(iv) I/We agree that as may be required by domestic regulators/tax authorities the NPS Trust
may also be required to report, reportable details to CBDT or close or suspend my
account.
(v) I/We certify that I/we provide the information on this form and to the best of my/our
knowledge and belief the certification is true, correct, and complete including the
taxpayer identification number of the applicant.
(vi) I/We permit/authorise NPS Trust to collect, store, communicate and process information
relating to the Account and all transactions therein, by NPS Trust and any of its affiliates
wherever situated including sharing, transfer and disclosure between them and to the
authorities in and/or outside India of any confidential information for compliance with
any law or regulation whether domestic or foreign.
(vii) I / We hereby accept and acknowledge that NPS Trust shall have the right and authority
to carry out investigations from the information available in public domain for
confirming the information provided by me / us to NPS Trust.
(viii) I/We shall indemnify NPS Trust for any loss that may arise to NPS Trust on account of
providing incorrect or incomplete information.
Signature :
Name :
Date (DD/MM/YYYY) :
Part IV- Self-Certification:
To be filled only if-
(a) Name of the country in Part I is other than India and TIN or functional equivalent is not
available, or
(b) US person is mentioned as Yes in Part I, and TIN is not available
I confirm that I am neither a US person nor a

resident for Tax purpose in any country
other than India, though one or more
parameters suggest my relation with the
country outside India. Therefore, I am
providing the following document as proof
of my citizenship and residency in India. Signature
Document Proof submitted (Pls tick document being submitted)
Passport Election Id Card PAN Card
Driving License UIDAI Letter NREGA Job Card
Govt. Issued ID Card

(Administered by Pension Fund Regulatory and Development Authority)
REGISTRATION FORM FOR EXISTING SWAVALAMBAN YOJANA SUBSCRIBERS
* Indicates mandatory ��K Please �� the form in English and BLOCK letters.
Subscribers who have registered under Swavalamban Yojana and are between 18 to 40 years on day of submission of form are eligible to shift to APY.
Copy of PRAN card is required to be submitted alongwith this Form.
To The Branch Manager/Officer In Charge, Branch, Bank/Dept. of Post

Subscriber Name : _________________________________________________________
PRAN (already allotted under Swavalamban Yojana)*
Dear Sir/Madam,
I wish to continue under APY / I wish to opt out of APY# (If you wish to continue under APY, then provide the following details)
1. BANK DETAILS:
Bank A/c Number*
Bank Name* Bank Branch*
2. PERSONAL DETAILS:
Name of Applicant in full* Shri Smt. Kumari
Full Name*
Date of Birth* d d / m m / y y y y Age Mobile No
Email ID Aadhaar*
Married Yes No If married , spouse name is mandatory. Spouse will be the default nominee under APY.
Name of Spouse Aadhaar
Nominee’s Name* Aadhaar
Nominee’s relationship with the subscriber
Additional Details in case nominee is a Minor
Date of Birth* d d / m m / y y y y
Guardian’s Name*
Whether �� of other statutory social security schemes Yes No
Whether Income Tax Payer Yes No
Is FATCA/CRS* applicable $ Yes No
$ F
ATCA/CRS is applicable for US Persons/Tax Residents other than India. FATCA/CRS Declaration Form needs to be submitted if you are an US person or
your Country of Birth / Country of Citizenship / Country of Residence for Tax Purpose is a country other than India.
3. PENSION DETAILS
Frequency of Contribution (Please tick(√)) * Monthly Quarterly Half Yearly
Pension Amount (Please tick(√)) * 1000 2000 3000 4000 5000
Contribution Amount I hereby authorize the bank to debit my above mentioned bank account till the age of 60 for making
payment under APY as applicable based on my age and the Pension Amount selected by me. If
(in Rs.) the transaction is delayed or not effected at all for �� balance, I would not hold the bank
(To be filled by the Bank) responsible. I also undertake to deposit the additional amount together with overdue interest thereon.

I meet the prescribed eligibility criteria for assistance under APY and I have read and understood the terms and conditions of the Scheme. I hereby agree to the same and
declare that the information furnished by me is true and correct, to the best of my knowledge and belief. I undertake to immediately inform the bank of any change in the above
information furnished by me. Further, I do not hold any pre-existing account under APY. I understand that I shall be fully liable for submission of any false or incorrect information
or documents. I have read/been explained and have understood the APY guidelines. I further agree to be bound by the terms and conditions of provision of services under the
scheme as approved by PFRDA/Govt. of India.
I hereby authorize PFRDA to use my Aadhaar details for APY and authenticate my identity through the Aadhaar Authentication system in accordance with the provisions of the
Aadhaar (Targeted Delivery of Financial and other subsidies, Benefits and Services) Act, 2016 and rules and regulations notified thereunder. I have been given to understand that
my information submitted to PFRDA herewith shall not be used for any other purpose other than mentioned above, or as per requirement of law.
Signature/Thumb Impression* of Subscriber
Place (* LTI in case of male and RTI in case of female)
# If you are opting out of APY, you will continue to be part of Swavalamban Yojana.
ACKNOWLEDGEMENT - SUBSCRIBER REGISTRATION FOR ATAL PENSION YOJANA (APY)
PRAN Number
Guaranteed Pension Amount Periodicity of Contribution
Contribution Amount under APY (in Rs.)
Name of the Bank:

Bank Branch:
Receiving ��’s Name:
Date of Receipt of Application: Stamp and Signature of the Bank
*Atal Pension Yojana has now been included under the Section 7 of the Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act 2016. As per the
provisions of the act, any individual who is eligible to receive benefits under the scheme will have to furnish proof of possession of Aadhaar number or undergo enrolment under
Aadhaar authentication. All new APY registrations will have to comply with the above directives.
Self-Certification for Individual - FATCA/CRS Declaration Form
Name of Subscriber:
Permanent Retirement Account Number (PRAN):
Date of Birth:
FATCA/CRS Declaration Form
Part I- Please fill in the country for each of the following:
1 Country of:
a) Birth
b) Citizenship
c) Residence for Tax Purposes
2 US Person (Yes / No)
Part II- Please note:
a. If in all fields above, the country mentioned by you is India and if you do not have US
person status, please proceed to Part III for signature.
b. if for any of the above field, the country mentioned by you is not India and/or if your US
person status is Yes, please provide the Tax Payer Identification Number (TIN) or
functional equivalent as issued in the specific country in the table below:
i) TIN
Country of Issue
ii) TIN
Country of Issue
iii) TIN
Country of Issue
a. In case any of the parameters in Part I indicates that you are a US person or a person
resident outside of India for tax purpose and you do not have Taxpayer Identification
Numbers/functional equivalent, please complete and sign the Self-Certification section
given in Part IV.
b. In case you are declaring US person status as ‘No’ but your Country of Birth is US, please
provide document evidencing Relinquishment of Citizenship. If not available provide
reasons for not having relinquishment certificate
Please also fill Part IV Self-Certification.
Part III- Customer Declaration (Applicable for all customers)
(i) Under penalty of perjury, I/we certify that:

1. The applicant is (i) an applicant taxable as a US person under the laws of the United
States of America (“U.S.”) or any state or political subdivision thereof or therein,
including the District of Columbia or any other states of the U.S., (ii) an estate the
income of which is subject to U.S. federal income tax regardless of the source
thereof. (This clause is applicable only if the account holder is identified as a US
person)
2. The applicant is an applicant taxable as a tax resident under the laws of country
outside India. (This clause is applicable only if the account holder Is a tax
resident outside of India)
(ii) I/We understand that the NPS Trust is relying on this information for the purpose of
determining the status of the applicant named above in compliance with FATCA/CRS.
The NPS Trust is not able to offer any tax advice on CRS or FATCA or its impact on
the applicant. I/we shall seek advice from professional tax advisor for any tax questions.
(iii) I/We agree to submit a new form within 30 days if any information or certification on
this form becomes incorrect.
(iv) I/We agree that as may be required by domestic regulators/tax authorities the NPS Trust
may also be required to report, reportable details to CBDT or close or suspend my
account.
(v) I/We certify that I/we provide the information on this form and to the best of my/our
knowledge and belief the certification is true, correct, and complete including the
taxpayer identification number of the applicant.
(vi) I/We permit/authorise NPS Trust to collect, store, communicate and process information
relating to the Account and all transactions therein, by NPS Trust and any of its affiliates
wherever situated including sharing, transfer and disclosure between them and to the
authorities in and/or outside India of any confidential information for compliance with
any law or regulation whether domestic or foreign.
(vii) I / We hereby accept and acknowledge that NPS Trust shall have the right and authority
to carry out investigations from the information available in public domain for
confirming the information provided by me / us to NPS Trust.
(viii) I/We shall indemnify NPS Trust for any loss that may arise to NPS Trust on account of
providing incorrect or incomplete information.
Signature :
Name :
Date (DD/MM/YYYY) :
Part IV- Self-Certification:
To be filled only if-
(a) Name of the country in Part I is other than India and TIN or functional equivalent is not
available, or
(b) US person is mentioned as Yes in Part I, and TIN is not available
I confirm that I am neither a US person nor a

resident for Tax purpose in any country
other than India, though one or more
parameters suggest my relation with the
country outside India. Therefore, I am
providing the following document as proof
of my citizenship and residency in India. Signature
Document Proof submitted (Pls tick document being submitted)
Passport Election Id Card PAN Card
Driving License UIDAI Letter NREGA Job Card
Govt. Issued ID Card

FORM TO UPGRADE/DOWNGRADE PENSION AMOUNT
To,
The Branch Manager,

______________________ Branch
Dear Sir/Madam,
I hereby request to upgrade /downgrade the pension amount earlier opted by me under Atal Pension
Yojana. The details are as follows:
PRAN :
Name of Account Holder : _____________________________________
Please √ the revised Pension Amt. (Rs.): 1000 2000 3000 4000 5000
Revised Contribution Amount (to be filled by the Bank) Rs.
I hereby authorize the bank to debit my bank account till the age of 60 for making payment under APY as applicable
based on my age and the Pension Amount selected by me. If the transaction is delayed or not effected at all for
insufficient balance, I would not hold the bank responsible. I also undertake to deposit the additional amount
together with overdue interest thereon. I also authorize the Bank to debit my Bank Account (registered under APY)
for the additional contribution to be paid for Upgraded pension account.
Date: ________________________________________
Place: Signature/Thumb Impression* of Subscriber
(* LTI in case of male and RTI in case of female)
* In case of downgrade of pension, the differential amount would be refunded to the subscriber through direct credit to Bank Account (registered under APY).
-------------------------------------------------------------------------------------------------------------------------------------------
ACKNOWLEDGEMENT – PENSION UPGRADE/DOWNGRADE UNDER ATAL PENSION YOJANA (APY)
Name of the Subscriber: _____________________________________________________________
PRAN:
Contribution Amount (in Rs.) for revised Pension:_____________________________
Name of the Bank:
Bank Branch:
Receiving Officers Name:

Stamp and Signature of the Bank
Date of Receipt
*The request to upgrade /downgrade pension under APY will be chargeable. Bank charges of Rs. 25 would be required to pay by subscriber upfront to the
Bank while the CRA charges of Rs. 25 would be deducted from APY account.
Atal Pension Yojana
(APY)
MENU OPTION: APY

KEY/VALUE
1 Type APY in the Menu Shortcut field and click <Go> Go
Pop UP Message will appear: Branches are requested to verify the entry on Click on OK
the application day itself to avoid mismatch in contribution amount /
penalty due to change in age and timeline decided by PFRDA, New Delhi
2 Select from the drop down under Function –A- ADD, M – MODIFY, -V- Function
VERIFY, -I- INQUIRE, –X- CANCEL,
Select -A- ADD, to enroll the customer under this scheme.

3 Enter A/c ID, which is mandatory field Enter Account ID
of customer
4 Click on GO, if the account is not Joint Account
5 Click on CIF ID searcher, under Related Party details of given A/c. ID, if Go
account is Joint Account. Select correct CIF ID of customer.
New page will open :-
The mandatory/critical fields are explained below. Values in Some of the fields are auto populated from the CIF
and where ever required may be changed by the user.
1 Status By default populated and masked

2 Is existing By Default NO. (Whenever NPSLITE customer is opted for APY, please
Swavalambhan migrate customer’s PRAN from NPSLITE to APY through Menu NPSLAPY,
Subscriber then open APY Account and select YES as existing Swavalamban Subscriber
and mention PRAN in PRAN No. field )
3 PRAN NUMBER At the time of fresh Registration / Enrollment it is BLANK
(Mention PRAN Number if migrated from NPSLITE)
4 NLAO Auto populated and masked.
Registration No.
5 NLCC Auto populated and Masked.
Registration No.
6 Beneficiary of By Default NO, if YES then select YES
other Social
Security Scheme
Customer Details :-
7 Title Auto populated and Masked.
8 Gender Auto populated and Masked.
9 Applicant First Auto populated and Masked.
Name
10 Applicant Middle Auto populated and Masked.
Name
11 Applicant Last Auto populated and Masked.
Name
12 Date of Birth Auto populated and Masked.
13 Aadhar Card No. Enter 12 digit Aadhar Card No.
14 PAN No. Enter Valid Pan number
15 Age Auto populated and Masked.
16 CIF Id Auto populated and Masked.
17 Date of Birth Auto populated and Masked.
18 Spouse Name Enter spouse name
19 Spouse Aadhar Enter 12 digit Aadhar Card No. of spouse
No.
Nominee details
20 Nominee Name Auto populated but editable. This name can be changed / corrected. (
Mandatory Field )
21 Nominee Major It will auto populated depend on the ‘Nominee Date of Birth’ field and
/ Minor masked. ( Mandatory )
22 Nominee Select appropriate relation from the drop down ( Mandatory )
relation
23 Nominee Aadhar Nominee Aadhar Card number can be entered here.
Card No.
24 Guardian Name If Nominee is Minor, then enter Guardian Name. ( Mandatory if Nominee is
Minor )
25 Nominee / Auto populated as ‘SAME AS ACC HOLDER’ But can be enter Nominee /
Guardian’s Guardian’s Address
address
26 Nominee Date of Enter Nominee’s Date of Birth. ( Based on this, Nominee Minor / Major flag
Birth will be auto populated )
Address Details of Customer
27 Address 1 Auto populated but editable field
28 Address 2 Auto populated but editable field
29 City Auto populated but editable field
30 State Auto populated but editable field ( To select STATE from searcher only )
31 Country Code Auto populated as IN. If INDIA is populated, then select from searcher as IN
32 Postal Code Auto populated but editable field
Contact details
33 PHONE NUMBER Auto populated and Masked.
34 EMAIL ID Auto populated and Masked.
PM Scheme details
35 Pension Amount Select from Drop down : ( Mandatory )
1- 1000
2- 2000
3- 3000
4- 4000
5- 5000
36 Age at the time Auto populated and Masked

of Enrolment
37 Penalty Overdue By default ZERO and masked.
38 SMS subscription By default selected as NO. Can be selected as YES.
39 Premium Auto populated as per Pension amount selected.
amount
40 Application date By default populated today’s date and masked.
41 Place of Auto populated as Branch Name and Masked
Application
42 Income Tax By default selected as NO. If selected as YES, then provide PAN Number, in
Payer Customer Details.
43 Installment Select from dropdown :
Frequency M- Monthly
Q- Quarterly
H- Half yearly
Y –Yearly
44 SI Date Select between 1 to 25 from dropdown, then Next Premium Date will be
populated.
45 Premium Auto populated and Masked ( At the time of Registration, it is ZERO )
overdue
46 Next Premium Auto populated and Masked, as per the SI Date and Installment Frequency
Due Date combination.
Voluntary Exit Details :-
47 Voluntary Exit By default NO and masked
Click on VALIDATE to ensure that all the required information is filled in.
Click SUBMIT to add the record.
VERIFY option :
1 Function Select VERIFY from drop down
2 Reference No Select Reference number of captioned account ID.
New Page will Open, verify the same and Click on SUBMIT
INQUIRY option :
1 Function Select INQUIRE from drop down (Inquiry can be done based on PRAN
Number and Account Number)
2 PRAN No. Click on Searcher, Details like Account ID, PRAN No, CIF ID is shown, then
select the required PRAN NO.
3 Account ID Auto populated once PRAN Number is selected.
4 CIF ID Auto populated once PRAN Number is selected.
5 GO Click on GO
New Page will Open, click on OK to come out from Inquiry option.
CANCEL option : ( Before Verification by same user Only )

1 Function Select CANCEL from drop down
2 Account ID Enter Account ID
3 GO Click on GO
New Page will Open, the fields and click on SUBMIT to Cancel the record.
MODIFY option: (This option can be used for Marking customer as VOLUNTARY EXIT as YES)
1 Function Select MODIFY from drop down
2 PRAN No. Click on Searcher, Details like Account ID, PRAN No, CIF ID is shown, then
select the required PARN NO.
3 Account ID Auto populated once PRAN Number is selected.
4 CIF ID Auto populated once PRAN Number is selected.
5 GO Click on GO
New Page will Open, MODIFY the fields and click on SUBMIT to MODIFY the record.
For taking the Printout of APY Policy, branches are requested to use Menu ‘CHLNPR’
MENU OPTION: CHLNPR
1 Account Enter Account ID

Id
2 PRAN Select from drop down
No.
SUBMIT Click on SUBMIT to generate the POLICY
Report will be generated.
GO to HPR Menu and take print out of policy.
NPSLITE to APY Migration:
MENU OPTION: NPSLAPY
1 ENTER Enter NPS Lite Scheme PRAN number for submission of the consent.
PRAN
2 APY Select YES or NO
Opted
3 SUBMIT Click on SUBMIT to generate the POLICY
4 Migration Go to menu option APY and register the existing NPS Lite PRAN.
ATAL PENSION YOJANA – Contribution Chart
Minimum Guaranteed Minimum Guaranteed Minimum Guaranteed Minimum Guaranteed Minimum Guaranteed
Pension of Rs. 1000/month Pension of Rs.2000/month Pension of Rs.3000/month Pension of Rs.4000/month Pension of Rs.5000/month
Return of
Corpus Amount
to the Nominee Rs. 1.7 Lakh Rs. 3.4 Lakh Rs. 5.1 Lakh Rs. 6.8 Lakh Rs. 8.5
CONTRIBUTIONS
Age at Vesting
entry period Monthly Quarterly Half Yearly Monthly Quarterly Half Yearly Monthly Quarterly Half Yearly Monthly Quarterly Half Yearly Monthly Quarterly Half Yearly
18 42 42 125 248 84 250 496 126 376 744 168 501 991 210 626 1239
19 41 46 137 271 92 274 543 138 411 814 183 545 1080 228 679 1346
20 40 50 149 295 100 298 590 150 447 885 198 590 1169 248 739 1464
21 39 54 161 319 108 322 637 162 483 956 215 641 1269 269 802 1588
22 38 59 176 348 117 349 690 177 527 1046 234 697 1381 292 870 1723
23 37 64 191 378 127 378 749 192 572 1133 254 757 1499 318 948 1877
24 36 70 209 413 139 414 820 208 620 1228 277 826 1635 346 1031 2042
25 35 76 226 449 151 450 891 226 674 1334 301 897 1776 376 1121 2219
26 34 82 244 484 164 489 968 246 733 1452 327 975 1930 409 1219 2414
27 33 90 268 531 178 530 1050 268 799 1582 356 1061 2101 446 1329 2632
28 32 97 289 572 194 578 1145 292 870 1723 388 1156 2290 485 1445 2862
29 31 106 316 626 212 632 1251 318 948 1877 423 1261 2496 529 1577 3122
30 30 116 346 685 231 688 1363 347 1034 2048 462 1377 2727 577 1720 3405
31 29 126 376 744 252 751 1487 379 1129 2237 504 1502 2974 630 1878 3718
32 28 138 411 814 276 823 1629 414 1234 2443 551 1642 3252 689 2053 4066
33 27 151 450 891 302 900 1782 453 1350 2673 602 1794 3553 752 2241 4438
34 26 165 492 974 330 983 1948 495 1475 2921 659 1964 3889 824 2456 4863
35 25 181 539 1068 362 1079 2136 543 1618 3205 722 2152 4261 902 2688 5323
36 24 198 590 1169 396 1180 2337 594 1770 3506 792 2360 4674 990 2950 5843
37 23 218 650 1287 436 1299 2573 654 1949 3860 870 2593 5134 1087 3239 6415
38 22 240 715 1416 480 1430 2833 720 2146 4249 957 2852 5648 1196 3564 7058
39 21 264 787 1558 528 1574 3116 792 2360 4674 1054 3141 6220 1318 3928 7778

Consolidated Circular on Govt Business Revenue Streams

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Consolidated Circular on Govt Business Revenue Streams

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BCG: BR: 1ru6t3 Dt:12.10.2020

Circular to all the branchesiAdministrative offices in lndia

Dear Sir/ Madam,

Re: Gonsolidated circular on Govt. Business Products-PPF. SCSS. SSA. e-KVP.

wrorQ sqd Arrrrt / Govt. Relationships Department

Sr. No. Particulars Page No

The detailed guidelines pertaining to PPF are as under:

Further to the aforementioned notification, Department of Economic Affairs, Ministry of Finance

1. Short title and commencement. –

2. Definitions.-(1) In this Scheme, unless the context otherwise requires,-

(a) “account” means an account under this scheme;

3. Limits of number of accounts.-(1) An individual may open an account by making an application in

(3) Joint account shall not be opened under this Scheme.

(4) The interest recoverable shall accrue to the Central Government.

E-mail Id: gb.delhi@bankofbaroda.com

Email id: gbm.ito@bankofbaroda.com

Application for opening an account

I ………………………..(account holder/guardian) hereby apply for opening of an account under Public

1. Name of account holder

2. Name of minor account holder

3. Aadhar Number of account holder/guardian

Permanent Address ………………………………………………………….

6. Contact details Telephone Number……………………………..

8. (*)Details of date of birth proof ……………………………………………………….

9. (*) Name of Guardian (Natural/Legal) …………………………………………………………

10. Details of other KYC documents attached 1. Proof of identification

12. Specimen Signatures

Signature or thumb impression of account holder /guardian

As the nominee(s) at Serial No.(s)…………………………………….specified above is/are minor(s), I appoint

Name & Address……………………………………………..

Name & Address……………………………………………..

Signature or thumb impression of account holder or guardian

Customer identification Number………………………………..

Nomination has been registered vide

Signature and seal of competent authority.

Application for Loan/Withdrawal

I ……………………………………………………………..(account holder/guardian) hereby apply for

Amount of Loan/withdrawal applied...........................................................

2. Please Credit the amount of loan/withdrawal to my SB Account no.________________________

Please issue a Demand Draft/account payee cheque

Necessary documents as applicable are attached as under:-

Date:-______________ Signature or thumb impression of account holder/guardian

---------------------------------------------------------------------------------------- Attested By__________________

Amount available in Account Rs ._____________________________________

Date Stamp Signature of Postmaster/Manager

(to be filled by account holder)

Received Rs ._____________(In figures)______________________ (in words) By cash/cheque/DD bearing

Date Signature/thumb impression of account holder/guardian

Application for extension of account

1. My PPF account number____________ has matured on______________.

Date Signature of the account holder/guardian

Place (Name and address)

For the use of Accounts Office

The account no………………………. which was opened on …………….. withRs………………….

Date Signature of Postmaster/Manager

Application for premature closure of account

1. I wish to prematurely close my Account No________________________ having

Please Credit the amount to my SB Account no.________________________

Please issue a Demand Draft/account payee cheque

Received Rs ._(In figures)__________ (in words) By cash/cheque/DD bearing

1. My PPF account number has matured on__.

Pay Rs.(in figurers)_____________(in words)

Received Rs ._(In figures)__________ (in words) By

Received Rs ._(In figures)__________ (in words) By