Tax Benefit on investment of Rs.

50,000 u/s 80CCD(1B)

Tax Slab 5% 20% 30%

Tax Savings Rs. 2,600 Rs. 10,400 Rs. 15,600 NATIONAL PENSION SYSTEM
(NPS)

WITHDRAWAL
You can withdraw any �me from Tier II account. However,
Withdrawal from Tier I can happen only in the following
circumstances: LET’S KEEP IN TOUCH
To access your NPS account through smart phones, KFintech-CRA
has developed a Mobile App NPS by KFintech CRA’.You may down-
Maximum Lump- Minimum Annuity load the same and keep a track of your NPS account on the go.
Withdrawal Type
sum Withdrawal Investment You can also follow us on Twi�er, Facebook as well as on LinkedIn.

A�aining 60 years
60% 40%
Of age/Re�rement

Before 60 years of
age (a�er 10 years 20% 80%
Under NPS)

Death 100% -
Invest Now and
Secure Your Future..
You can also defer your annuity / lump-sum withdrawal and
con�nue inves�ng beyond the age of 60.

Par�al Withdrawal : You can also withdraw maximum 25% of your

Toll Free: 1800 208 1516
contribu�on made in your Tier I account. Such withdrawal is only
possible a�er 3 years from the date of account opening for 200+ Branches h�ps://nps.kfintech.com/
specified reason.Such withdrawal is allowed only 3 �mes during KFin Technologies Pvt.Ltd.,
your en�re Tenure under the NPS. Selenium Building, Tower-B, Plot No-31 & 32, KFin Technologies Pvt.Ltd.,
Financial District, Nanakramguda,Serlingampally,Hyderabad, Selenium Building, Tower-B, Plot No-31 & 32,
For more details, Please visit our website h�ps://nps.kfintech.com/ Financial District, Nanakramguda,Serlingampally,Hyderabad,
Rangareddi, Telangana, India, 500032
Rangareddi, Telangana, India, 500032
 Subscriber Registra�on Form to be submi�ed along with:
One Photograph
NPS is a voluntary,
What is simple, regulated,
portable and
Proof of Iden�ty
Date of Birth/Proof
Proof of Address
NPS? flexible pension
system that allows Bank Proof
PFRDA has empanelled below seven Fund Management under NPS:
you to make small
BirlaSun Life Pension Management Limited
but consistent
HDFC Pension Management company Limited. The Kfintech CRA is a back office for maintaining records, adminis-
savings for your
ICICI pruden�al Pension Funds Management Company Limited tra�on and customer service func�ons which plays an important
re�rement.
Kotak Mahindra Pension Fund Limited. role to the successful opera�onaliza�on of NPS.
LIC Pension Fund Limited
SBI Pension Funds Private Limited CRA CHARGES
The charge structure of KFintech CRA for NPS subscribers is as
INVEST NOW AND SECURE YOUR FUTURE UTI Re�rement solu�ons Limited
under:
NPS, regulated by PFRDA, offers a UNLIMITED ACCESS
robust yet transparent pla�orm which As an NPS subscriber associate to KFintech CRA, you will have a SI. Charges in Rs.
Service Charge head
NO (Excluding applicable taxes)
allows an individual to do re�rement 24x7access to your account I-PIN and TPIN.
planning in a cost effec�ve way. A 1. Account Opening Charges 39.36
Subscribercan join NPS between the By logging to the KFintech CRA website, you can
I. Request for Change in Scheme Preference 2 Annual Maintenance Charges 57.63
age of 18-65 years.Under NPS, Tier I is
II. Update email ID/mobile number
the primary account where you 3. Transac�on Charges 3.36
III. View Account details or required for Statement of Account
contribute to build a re�rement corpus. IV. Reset your I-PIN
The NPS architecture also offers you an The applicable charges will be debited from your NPS account on a
V. Register grievance against interfacing en�ty
investment op�on in form of Tier II account, where you can withdraw quarterly basis and will reflect in the statement of Account.
your investments at anypoint of �me.There are no separate Annual FEATURES OF NPS KFINTECH CRA TAX BENEFIT
Maintenance Charges(AMC) for Tier II account online. Individual can Instant SOT on contribu�on transac�on
open his/her account by visi�ng his/her nearest POP/POP-SP (details Missed call service for balance enquiry Tax benefit to employee:Individuals who are employed and
available on our Direct access to IVR for registered subscribers. contribu�ng to NPS would enjoy tax benefits on their own contri-
website:h�ps://nps.kfintech.com/allci�zensafindia.aspx Various SMS & Email alerts bu�ons as well as their employer’s contribu�on as under:
(a) Employee’s own contribu�on- Eligible for tax deduc�on up
to 10% of Salary (Basic +DA)under sec�on 80 CCD(1) within
HOW MUCH DO YOU NEED TO CONTRIBUTE PER the overall celling of Rs.1.5lac under Sec�on 80 CCL.
FINANCIAL YEAR? (b) Employer’s contribu�on- The employee is eligible for tax
deduc�on up to 10% of Salary(Basic +DA)contributed by
employer under Sec�on 80 CCC(2) over and above the limit
Account Type Details Amount(₹) of Rs.1.5 lac provided under Sec�on 80 CCE.
(c) Exclusive Tax Benefit for NPS subscribers- Subscribers can
Minimum amount per contribu�on 500
Tier I avail addi�onal tax benefit of Rs.50,000 under Sec�on 80
Minimum contribu�on per year 1,000 CCD(1B).This benefit is over and above the overall ceiling of
MANAGE YOUR NPS ACCOUNT Rs.1.5 lac under 80CCE.
(d) Tax benefit for self-employed Eligible for tax deduc�on up to
Account Type Details Amount(₹) Your NPS account is completely portable irresponsible of your
10% of gross income under Sec�on 80 CCD(1) with in the
geographic loca�ons or employment status. If you change job, you
At the �me of ac�va�on 1,000 overall ceiling of Rs.1.5 lac under Sec�on 80 CCE.
can tag the PRAN to your new employer or can con�nue as an
Tier II individual subscriber. Your PRAN will remain unchanged irrespec-
Minimum amount per contribu�on 250 All tax benefits are applicable to contribu�ons made in Tier I
�ve of these changes.
account.