NPS/APY Functionalities released by CRAs during Quarter I (FY 2022-23)

• Subscriber will be able to do Aadhaar Seeding through login in CRA system

• Subscriber Registration feature has been enabled in APY Mobile App
• The potential Subscribers will be able to register themselves with the help of Mobile App
• The following options are also made available in the App

a) APY Registration
b) APY Lead Generation
c) Migration of Swavalamban Subscribers

• Inter-sector shifting facility has been enabled in login of All Citizen of India Sector Subscribers
• Subscriber can raise ISS request and also check Request Status View
• It is a paperless journey where either dual OTP authentication or e-Sign

• Link has been enabled in the CRA system for Nodal Offices to update Form I & II details of the Subscriber
• Applicable for Central Govt. Subscribers (excluding CAB & Min. of Railways)
• Form I is for selection of pension option i.e. CCS Pension or NPS Pension.
• Form II is for submission of Family Member Details of the Subscriber.

• At the time of Subscriber Registration through eNPS, Email ID and Mobile no. of the Subscriber will be validated through OTP authentication process.
• Subscriber will not be able to generate PRAN unless Email ID and Mobile no. is validated.

• CKYC compliance processing for Subscribers registered through Aadhaar – CKYC ID to be updated for PRANs generated through Aadhaar.
• Integration with CERSAI to search CKYC details (based on certain data points) and download of request file to upload KYC details and CKYC ID.

• Subscriber Registration feature has been enabled in NPS Mobile App.
• Now, potential Subscribers will be able to register themselves with the help of Mobile App.

• In case of initiation of Scheme Preference/PFM Change request by Government Sector Subscriber, authorization by Nodal Office is not required.
• The request is processed through OTP authentication wherein an OTP will be sent on the Mobile No/Email ID available in CRA system
• It is imperative that the Subscribers’ Mobile No./Email ID is registered with CRA.

• As per existing process, e-Nomination request initiated by the Corporate Subscriber is required to be authorised by the identified Corporate.
• Now, e-Nomination request initiated by the Corporate Subscriber belonging to PSU/PSB Corporates is required to be authorised by the Corporate.
• e-Nomination request initiated by the Corporate Subscribers other than PSU/PSB Corporates is not required to be authorised by the Corporate.
• After submission of request by the Subscriber, nomination details gets updated in CRA records.

• In NPS, service charges are borne by the Subscribers such as Annual Maintenance Charges, Transaction Charges, PF Charges etc.
• These charges are deducted through NAV, Unit deduction or collected upfront
• The table displaying the complete charge structure and mode of deduction of charges applicable in NPS incorporated in the Notes section for online Transaction Statement view.
• This table is a static table which will be displayed to all sector subscribers and for all tiers

• PRAN activation only after receipt of contribution from the Subscriber in NPS.
• After new Subscriber registration in UOS sector without contribution, Subscriber PRAN will be marked in ‘Freeze’ status.
• Subscriber PRAN will be marked as Active after receipt of contribution.
• If contribution not received within 30 days from the date of account opening, an alert will be sent to subscribers as well as associated Nodal Offices

• At the time of Subscriber Registration through eAPY, Subscribers will have an option to authenticate the form through Dual OTP Authentication in addition to eSign.
• This facility is available for Subscriber Registration and Migration of Swavalamban Subscriber to APY.
• Distinct OTPs will be sent on Mobile no. and Email ID of the Subscriber

• Reduction in Withdrawal Timelines for processing of Final Exit (Superannuation / Premature Exit/Death/Family pension/Disability Pension/Annuity Withdrawal) requests in same day pay in.

• Provision has been given to Subscriber to do Inter CRA migration twice in a financial year i.e. if the subscriber migrates from CRA-1 to CRA-2 in a financial year, then subscriber can again migrate to CRA-1 or CRA-3 in the same financial year. At present, the process was being handled administratively by CRA.

No.

• Post Interoperability, as the source entity and target entity are same in KCRA, because of validations, system was not allowing the ISS. wherein employment details as well as scheme preference, if any were not getting updated as the same is part of ISS facility. Accordingly, the validations have been relaxed in CRA system to facilitate the ISS in the said scenario
• Post PRAN movement during the ISS, the employee details (employee Id and scheme preference) also gets updated as per corporate

1) PRAN Generation Date
2) Corpus Tier I
3) Corpus Tier II
4) eSign / OTP Status
5) KYC Verification Status
6) KYC Rejection Reason
7) Total Contribution Received in the FY
8) POP/CHO Name
9) POPSE/POPSP/CBO Name
10) Resident Type

• Earlier, eNPS subscribers did not have an option to exercise ISS and Inter POP shifting through eNPS. Subscribers are forced to do it through Physical and offline mode from POPs. Now Subscriber can place the ISS and Inter POP shifting through eNPS platform

5

• Contribution Statement view facility has been implemented for State Government nodal offices wherein Nodal office can view the missing contribution month based on PRAN selection

• Earlier, the contact details of all Subscribers retiring during the next quarter are shared with Annuity Service Providers (ASPs) at the beginning of the previous quarter by CRAs. 
• As per recent guidelines applicable for the Government sector subscriber, Consent is been taken for Group A employees and is shared only 2 months prior to the superannuation

• Following fields have been added in rejected details in contribution file:

1. 1. Government Contribution
   2. Employee Contribution
   3. Total Contribution
   4. Contribution Type

• Government subscribers are not able to change their Scheme Preferences from eNPS login, unlike for other sectors.
• Government subscribers can now change their scheme preference based on DTA scheme preference chosen by subscriber by authenticating through OTP shared at registered Mobile and e-mail.

• Additional enhancements in Android Mobile Application -New Subscriber Journey, Tier II Activation, Exit and Withdrawal modules along with UI changes

• Now all redemption/switch out request accepted/authorized until pay-in execution until 11 AM considered in same pay-in for the subscribers benefit to get the money/investment at earliest.

• Subscriber joining NPS before 60 Years of Age can now continue his/her NPS account till 75 Years of Age.
• If corporate subscriber did not raise any request in CRA system before retirement (i.e. before 15 days). Still subscriber will be allowed to place the request in CRA system till the time of retirement. His/her NPS account shall be continued till 75 years of age. # If corporate subscriber did not raise any request in CRA system after retirement, PRAN will be Active. Subscriber required to place the request in CRA system to become active Subscriber (Retail/Corporate), can defer the Annuity, till 75 years of age
• Subscriber can now place the request in CRA system to start the Annuity anytime
• Premature exit can be exercised after 5 years of account opening (earlier it was allowed after 10 years of account opening)

• Currently in CRA system, for date selection, user has to use calendar only. To make it more user friendly, provision to enter the date manually in addition to calendar date picker has been provided.
• A watermark has been be provided as DD/MM/YYYY to be provided in the date field for subscriber’s assistance.

• In the existing system, for the Government employees only Employment class is captured. An additional field has be added as Designation Code under employment details.

• Online bank account validation.
• Online KYC through UIDAI and CERSAI databases to optimize subscriber journeys.
• Tier 2 and partial withdrawal.
• Superannuation and Premature exit.

• Two Factor Authentication through mobile and email OTP for registration of subscriber.
• Digi Locker and Aadhaar XML based online KYC flows.
• Auto populate KYC data to minimize subscriber clicks.
• Online bank account validation.
• Option for on-screen signature.

• Provision to make Tier 1 and Tier 2 contribution with multiple payment options.
• Pop up explaining the user about list of banks supported by payment gateway.

• Provision to capture satisfactory/ non-satisfactory response of subscriber and escalation to Grievance redressal officers (Level 2 and Level 3).
• TAT based Level 1/ Level 2/ Level 3/ NPS Trust auto escalation matrix.
• Track your Status, for subscriber, to view the Grievance redressal officer who is handling your current query/ grievance.