Sorry, you need to enable JavaScript to visit this website.

Nodal Office

Nodal Offices under CG

Nodal Office means the offices which act as interface between the subscribers and the central recordkeeping agency and shall include the Principal Accounts Office (PrAO), Pay and Accounts Office (PAO) and Drawing & Disbursing Office (DDO) under the Central Government or analogous offices under Central Government.  

 

Central Government hierarchy of Nodal Offices

 CG Hierachy

 

1. Drawing and Disbursing Officer

Functions of DDO:

DDO will collect all the registration forms and forward it CRA for registration of the same. Further, it will also send the change request forms from the Subscribers and forward it to PAO for updation in NPSCAN system. However, DDO shall have various other functions as mentioned below:

  • Obtain the duly filled Application for allotment of PRAN from the subscribers, fill and certify the employment details.
  • Consolidate Application for allotment of PRAN and forward it to PAO.
  • Distribution of PRAN kit, I-Pin, T-Pin to Subscribers.
  • Forward the Switch requests, New Scheme Preference requests, Change in subscriber details request, Withdrawal Requests received from Subscribers to the PAO.
  • Providing information to PAO about Subscribers’ pension contribution.
  • Forward the grievance of the subscriber to the PAO.

DDO shall register itself with CRA before it starts providing various services to the Subscribers. For registering itself in CRA system, DDO shall forward the applications for registration to the concerned PAO.

 

2. Pay and Accounts Office

Functions of PAO

PAO will be responsible for carrying out the following activities:

  • Consolidate DDO registration form and forward it to CRA for registration.
  • Facilitate registration of Subscribers by consolidating the Application for allotment of PRAN received from the concerned DDO and forward it to the CRA - F.C.
  • Upload Subscriber Contribution File (SCF) to NPSCAN system. SCF will contain subscriber wise details of pension contribution such as PRAN, Pay month and year, Subscriber Contribution amount and Government Contribution amount etc.
  • PAO will deposit the contribution amount in the Trustee Bank as per the SCF uploaded in NPSCAN. This contribution amount will be invested in various schemes of PFM, based on the Scheme Preference of Subscribers for which SCF has been uploaded.
  • PAO will update through NPSCAN, the Switch requests, New Scheme Preference requests, Withdrawal Requests, the request for change in subscriber details received from Subscribers
  • PAO will raise grievance on behalf of DDO and the subscriber.
  • PAO will resolve the grievance raised against it by any entities in the CRA system.

However, before performing the above-mentioned functions, PAO shall have to register itself with CRA. For registering itself in CRA system, PAO shall forward the applications for registration to the concerned Pr.AO.

 

 

3. Principle Accounts Office

A Principal Accounts Office will have several functions in the NPS. However, most of them will be in the nature of monitoring the performances of the Nodal offices under its jurisdiction. CRA will send various alerts to Pr.AO to facilitate it to carry out the role of a supervisory entity.

Functions of Pr.AO:

Pr.AO will be responsible for carrying out the following activities.

  • Consolidate PAO registration form and forward it to CRA for registration
  • Monitor performance of PAO and DDO in discharging their responsibilities in CRA system.
  • Monitor the resolution of grievances raised against PAO.
  • Take necessary action to ensure compliance of PAO and DDO with the operational procedures of CRA system

Pr.AO, in its capacity of a Nodal Office shall register itself with CRA. Further, Pr.AO will send the registration applications of the PAOs attached to it to CRA. For details of Central Government Nodal offices.

Nodal Offices under SG

Nodal Office means the offices which act as interface between the subscribers and the central recordkeeping agency and shall include the Directorate of Treasuries and Accounts (DTA), District Treasury Offices (DTO) and Drawing & Disbursing Office (DDO) under the State Government .

 

State Government hierarchy of Nodal Offices

 SG Hierachy

 

1. Drawing and Disbursing OfficerDistrict Treasury Offices (DTO) or the central recordkeeping agency on behalf of the subscribers for the purpose of the National Pension System;

Functions of DDO:

DDO will collect all the registration forms and forward it CRA for registration of the same. Further, it will also send the change request forms from the Subscribers and forward it to DTO for updation in NPSCAN system. However, DDO shall have various other functions as mentioned below:

  • Obtain the duly filled Application for allotment of PRAN from the subscribers, fill and certify the employment details.
  • Consolidate Application for allotment of PRAN and forward it to DTO.
  • Distribution of PRAN kit, I-Pin, T-Pin to Subscribers.
  • Forward the Switch requests, New Scheme Preference requests, Change in subscriber details request, Withdrawal Requests received from Subscribers to the DTO.
  • Providing information to DTO about Subscribers’ pension contribution.
  • Forward the grievance of the subscriber to the DTO.

DDO shall register itself with CRA before it starts providing various services to the Subscribers. For registering itself in CRA system, DDO shall forward the applications for registration to the concerned DTO.

 

2. District Treasury Offices (DTO) - DTO under the State Government are responsible for maintaining the contribution details for subscribers covered under National Pension System

Functions of DTO

DTO will be responsible for carrying out the following activities:

  • Consolidate DDO registration form and forward it to CRA for registration.
  • Facilitate registration of Subscribers by consolidating the Application for allotment of PRAN received from the concerned DDO and forward it to the CRA - F.C.
  • Upload Subscriber Contribution File (SCF) to NPSCAN system. SCF will contain subscriber wise details of pension contribution such as PRAN, Pay month and year, Subscriber Contribution amount and Government Contribution amount etc.
  • Ddeposit the contribution amount in the Trustee Bank as per the SCF uploaded in NPSCAN. This contribution amount will be invested in various schemes of PFM, based on the Scheme Preference of Subscribers for which SCF has been uploaded.
  • Update through NPSCAN, the Switch requests, New Scheme Preference requests, Withdrawal Requests, the request for change in subscriber details received from Subscribers
  • Raise grievance on behalf of DDO and the subscriber.
  • Resolve the grievance raised against it by any entities in the CRA system.

However, before performing the above-mentioned functions, DTO shall have to register itself with CRA. For registering itself in CRA system, DTO shall forward the applications for registration to the concerned DTA.

3. Directorate of Treasuries and Accounts (DTA)-A DTA will have several functions in the NPS. However, most of them will be in the nature of monitoring the performances of the Nodal offices under its jurisdiction. CRA will send various alerts to DTA to facilitate it to carry out the role of a supervisory entity.

Functions of DTA:

DTA will be responsible for carrying out the following activities.

  • Consolidate DTO registration form and forward it to CRA for registration
  • Monitor performance of DTO and DDO in discharging their responsibilities in CRA system.
  • Monitor the resolution of grievances raised against DTO.
  • Take necessary action to ensure compliance of DTO and DDO with the operational procedures of CRA system

DTA, in its capacity of a Nodal Office shall register itself with CRA. Further, DTA will send the registration applications of the DTOs attached to it to CRA.

Nodal Offices under Private Sector – POPs

A. Subscriber Registration

PoP/PoP-SP shall facilitate the registration of the subscriber for Tier I and Tier II account. The steps involved in the registration process are:

  1. Acceptance of forms : Accept only duly filed Composite Subscriber Registration form (CSRF) from the prospective subscriber on T+1 (T is the date of receipt of complete subscriber registration form)
  2. Verification of forms: Verify the Signed and complete form with DoB, bank, nomination, scheme details etc. Verify Know Your Customer (KYC) documents as per the norms prescribed
  3. Processing of forms: submit all accepted application forms (including supporting documents), to CRA/CRA-Facilitation Centre (FC) for digitization by hand where the PoP-SP and the CRA-FC are co-located or transmit to CRA in Mumbai by post. Delivery of Subscriber Registration Form and supporting documents to CRA/CRA-FC within T+2 from district level & T+7 from other locations (T is the date of receipt of complete subscriber registration form)

B. Initial Contribution Processing at the Time of Registration:

  1. Collect duly filled NPS Contribution Instruction Slip (NCIS) along with the application form and ensure all the relevant details are provided in NCIS by the Subscriber.
  2. Remit the clear funds, after deducting its charges and applicable tax, to the Trustee Bank on T+1 basis for the corresponding PRAN of the subscriber.
  3. Retain the ‘NCIS’ and other transaction related documents with itself.

C. Regular subscriber’s contribution

  1. PoP/PoP-SP shall perform all due diligence in accepting NCIS from subscriber and will check the PRAN no., Name, Payment details etc.
  2. Upload subscriber contribution details online into the CRA system Bank on T+1 basis for the corresponding PRAN of the subscriber. (T: date of receipt of clear funds)
  3. Remit the clear funds, after deducting its charges and applicable tax, to the Trustee Bank on T+1 basis for the corresponding PRAN of the subscriber. (T: date of receipt of clear funds)

D. Change in subscriber details

POPs provides the following NPS services to the subscriber:

  1. Change in subscriber’s personal details on T+1 basis.
  2. Change of investment scheme/fund manager on same day (T) if such request received within banking hours for public or next working day (T+1) if such request received after banking hours for public.
  3. Processing of withdrawal request on same day (T) if such request received within banking hours for public or next working day (T+1) if such request received after banking hours for public.
  4. Processing of request for subscriber shifting on T+1 basis.
  5. Issuance of printed Account statement
  6. Attend request from subscriber for the re-issue of i-pin , t-pin , PRAN card on T+1 basis.
  7. Any other services prescribed by PFRDA.

In all the above cases, T is the date of receipt of request.

E. Grievance handling

Activities carried by PoP/PoP-SP for handling grievances from the subscribers and other NPS Intermediaries:

  1. Receive and upload all grievances submitted by the subscriber in the Central Grievance Management System (CGMS) of CRA on a daily basis. The CGMS system of CRA would route the grievances to respective NPS intermediaries.
  2. If PoP/PoP-SP has grievances against any NPS Intermediary such as CRA or TB, it shall raise grievance using CGMS of the CRA or at the CRA call centre.
Nodal Offices under Private Sector – Aggregator

The Aggregator shall undertake following functions through their NLOO/NLAO/NLCCs:

A. Compliance:

The aggregator must ensure maintenance and reporting of all transactions by subscribers in accordance with the provisions of Prevention of Money Laundering Act, 2002 including amendments thereof and the rules framed there under from time to time, as may be applicable.

Servicing of Subscribers

NPS-Lite system is envisaged to maintain subscribers details enrolled under NPS-Lite/Swavalamban at the time of contribution processing. Aggregator is provide following services to the NPS-Lite subscribers:

  1. Aggregator shall carry out changes in subscriber details if the subscriber has made a request by way of submitting the subscribers details change request form, as prescribed by PFRDA, for all change as mentioned below to be effected in the NPS-Lite system on T+5 basis, where T is the date of receipt of the request:
    • Name Update: Prescribed supporting documents to be submitted, plus copy of PRAN card.
    • Address Update: Appropriate supporting documents to be submitted and a copy of the PRAN card.
    • Phone/mobiles numbers/email ID Update: No additional documents required.
    • Subscriber’s bank details update: Necessary supporting documents to be submitted along with copy of PRAN card. In case of bank details, Aggregator shall ensure that the bank details provided by the Subscriber are complete and the details of which (bank name and bank account number) should match with the bank details provided in the form.
    • Change in the nomination details: Copy of PRAN card.
    • Switch/Scheme preference change request of subscriber.
  2. Aggregator shall receive the withdrawal requests from the subscriber submit the same by logging into the NPS Lite on T+5 basis, where T is the date of receipt of the request.
  3. Aggregator shall attend the subscriber’s request for re-issuance of PRAN card on T+5 basis, where T is the date of receipt of the request.

C. Processing of subscriber’s contribution

  1. Acceptance of contribution: The Aggregator issue receipt (preferably electronic receipt) to the NPS-Lite/Swavalamban subscriber with appropriate acknowledgement number after collection of contributions.
  2. Deposit of contribution amount: The Aggregator shall deposit the contribution collected from the subscriber (cash/cheque) by the collection centre into the collection account maintained by them on T+1 basis. (T is the date of collection of money from the subscriber by the Aggregator)
  3. Upload of SCF: The Aggregator shall prepare and upload SCF into CRA system after receiving the clear funds on or before T+2, where T is the date of receipt of clear funds by Aggregator.
  4. Remittance to Trustee Bank: The Aggregator shall remit the funds to NPS Trust account maintained with Trustee Bank on T+2, where T is the date of receipt of clear funds by Aggregator.

D. Redressal of grievances:

  1. Aggregator should constitute an appropriate Grievance Redressal Mechanism with reference to PFRDA (Redressal of subscriber grievance) Regulations, 2015 internally for redressing complaints about the services rendered to NPS-Lite/Swavalamban subscribers. The name and telephone number of the designated Grievance Redressal officer of the ‘aggregator’ should be made available to the subscriber.The designated officer should ensure that grievances of subscribers are redressed properly.
  2. If a customer feels that his complaint has not been satisfactorily addressed, he/she will have the option to approach the Oversight office (NLOO) And Accounting office (NLAO) of the concerned aggregator for redressal of his/her grievance/s.
  3. Aggregator shall carry out the following set of activities in respect of receiving, entry of grievances in NPS-Lite, verification and redressal of grievances from the subscribers and other NPS-Lite Intermediaries:
    a. Receiving of grievances submitted by the subscriber against Aggregator or any other NPS Intermediary in the prescribed format and uploading of all grievances in the Central Grievance Management system (CGMS) of CRA lite on a daily basis. The CGMS system of CRA lite would route the grievances to respective NPS intermediaries.

If Aggregator has grievances against any NPS intermediary such as CRA or Trustee bank, it shall raise grievance using CGMS of the CRA or at the CRA call center.