NPS – New/Upradation of functionalities by Central Recordkeeing Agencies NSDL (CRAs) – PFRDA


New/Upradation of functionalities by Central Recordkeeing Agencies NSDL
(CRAs) – for April – June qurter ended 30-06-2017 **

PENSION FUND REGULATORY, AND DEVELOPMENT AUTHORITY, B-14/A,Chhatrapati
Shivaji Bhawan, Qutab Institutional Area. Katwaria Sarai, New Delhi-110016, Phone : 01 1-26517503, Fax :
011-26517507, Website :www.pfrda.org.in ** Circular ** No. PFRDA/16/1/CRA/REG/2017/1 dated
21.07.2017 **


Subject: New/Upradation of functionalities by Central Recordkeeing
Agencies NSDL (CRAs) – for April – June qurter ended 30-06-2017



PENSION FUND REGULATORY
AND DEVELOPMENT AUTHORITY
B-14/A,Chhatrapati Shivaji Bhawan
Qutab Institutional Area.
Katwaria Sarai, New Delhi-110016
Phone : 01 1-26517503
Fax : 011-26517507
Website : www.pfrda.org.in
 
Circular
 

No. PFRDA/16/1/CRA/REG/2017/1

Date: 21.07.2017



Subject: New/Upradation of functionalities by Central Recordkeeing
Agencies NSDL (CRAs) – for April – June qurter ended 30-06-2017 

 


A.
Governance Infrastructure Limited:
 

Sr. No.
Functinality
Description
Release Date
1 Annual Freezing in case of All Citizens of India & Corporate

sector, the Subscriber Account gets frozen after the end of
the financial year for not meeting the minimum contribution
criteria. Once, PRAN is frozen, the Subscribers are not
allowed to perform any activity under NPS such as
contribution submission, Subscriber details modification,
Inter Sector Shifting etc. Now, PFRDA has changed these
Freezing Guidelines from FY 2017-18. As per revised
guidelines, Subscriber account would be unfrozen on minimum
contribution of Rs. 500 in any of the Financial Year. The
Subscriber would be allowed to contribute through normal
process i.e. through any POP or through eNPS and also to
shift to other sector through Inter Sector Shifting. In
addition, Tier II account will be frozen only when the
corresponding Tier I account is frozen.
4-Apr-17
2 NPS Mobile App – Aadhaar Seeding The Subscriber can now link his/her Aadhaar to NPS account
using Mobile App. The Subscriber will log into the App with
his/her User ID password and select the option of
“Add/Update Aadhaar Number’. The option will be available
to the Subscriber to provide his/her Aadhaar. Once Aadhaar
is entered, the details of Subscriber registered under NPS
will get authenticated with details available in UlDAl
database. Post authentication, an OTP will be sent to the
Subscriber’s mobile number registered with

UIDAI. The Subscriber will enter the OTP and on entering
the correct OTP, Aadhaar will get seeded for the PRAN.
4-Apr-17
3 NPS Mobile App

Captcha in

Contribution

Screen
In Mobile App, the Subscriber has an option to submit the
contributions without logging into App. Now, as a security
measure, Captcha is implemented for contribution and
Subscriber would be mandatorily required to capture the
same while making payment.
4-Apr-17
4 NPS Mobile App

Reset password

using OTP
Subscriber can now reset his/her password using Mobile App
through OTP. The Subscriber is required to enter his/her
PRAN, Date of Birth and set his/her new password and
generate OTP. On entering the correct OTP received on
his/her mobile (registered with CRA), the password becomes
active. This option is in addition to the option of
resetting password using- secret question.
4-Apr-17
5 Reactivation of PRANs Facility to reactivate PRANs (which were earlier
deactivated) is provided at the level of DTOs and DTAs.
This request is raised by various States during_State
Government Conference.
4-Apr-17
6 Scheme Preference Change Subscribers of All Citizens of India & Corporate sector
and Government Sector (for Tier II account) were earlier
allowed to exercise scheme preference change (PFM &
Investment option) once in a year. Now, the Subscribers
will have facility to change PFM once and Investment Option
(active or auto choice) as well as Asset Allocation Ratio
twice in a Financial Year.
4-Apr-17
7 Subscriber Contribution File (SCF) – Response Under NPS, the Nodal Offices upload the

Subscriber Contribution File (SCF) in the CRA/NPSCAN
system. On upload of SCF, the concerned Nodal Office can
check the status of SCF i.e. whether the same
Accepted/Rejected’. In case of rejection of SCF, the
response file i.e. error file which is being made available
to the Nodal Office was in HTML format. Now, in addition to
HTML, error file will also be available in .txt format
4-Apr-17
8 NPS Mobile App – Tier II Withdrawal Subscriber can now initiate Tier II account

withdrawal under NPS using Mobile App. The Subscriber will
log into the App with their User ID and password. An option
to select Tier II withdrawal and generate One Time Password
(OTP) is available in Mobile App. On entering the correct
OTP, Subscriber will have an option to select mode of
Withdrawal – (i) Lumpsum (amount), or (ii) scheme wise
units. Once the

option is selected and relevant details are submitted by
the Subscriber, the same will get executed in the CRA
system and funds will get transferred to Subscriber’s Bank
Account registered with CRA.
8-Apr-17
9 Interoperability between CRAs Karvy Computershare Pvt. Ltd. is acting as a second CRA
under NPS. Subscribers have option to open account with
either of the CRAs. The existing Subscriber can also select
CRA of his/her choice. To facilitate migration of
Subscriber across CRAs (KCRA to NCRA and NCRA to KCRA), the
CRA Interoperability functionality has been developed. The
Subscriber will be required to approach target CRA to
initiate the shifting request, the target CRA will
facilitate the shifting request under NPS. Inter CRA
shifting request will be allowed once in a financial year.
15-Apr-17
10 Online PRAN Generation Module (OPGM) In case of Online PRAN Generation Module (OPGM) under State
Governments, the Drawing Disbursing Offices (DDOs) are
allowed to capture the registration detail of the
underlying Subscribers. To handle the registration volumes
in case of mass recruitments in State Governments, a
facility is provided to the associated DTOs / DTAs to carry
out the verification activity_for_OPGM.
26-Apr-17
11 Retirement Adviser The Retirement Adviser (RA) is appointed by PFRDA to engage
in the activity of providing advice on NPS thereby to
extend the reach of NPS. The RA can be an individual,
registered partnership firm, body corporate, or any
registered Trust or society. The online platform has been
developed and released in the CRA system to facilitate
registration of an individual/entity as RA. Following
updation has been completed for RAs:

1. Link made available on website for Registration.

2. Code of Conduct for Retirement Advisers

3. FAQs related to RA_Individual / Other than Individual

4. Instructions For Online Registration Of Retirement
Adviser
26-Apr-17
12 FATCA/CRS Certification – Information NPS Trust had initiated due diligence process under the
alternative procedure of FATCA and sought
Self-Certification from the Subscriber (for Accounts opened
on or after July 1, 2014). The Subscriber was informed vide
Email /SMS to submit the physical Self-Certification Form
to CRA. The FATCA/CRS declaration link was made available
on CRA Transaction Corporate website and eNPS website for
information & guidelines related to FATCA.
28-Apr-17
13 I-PlN/T-PIN mailers – enhancement Earlier, the I-Pin/T-Pin mailers provided to the Nodal
Offices for accessing CRA/NPSCAN system included User IDs
& password printed on the PIN mailer Now, for security
reasons, the User IDs are not printed on PIN mailers. The
User IDs are communicated separately to the respective
Nodal Offices.
30-Apr-17
14 eNPS – Alert for Government employees eNPS is a facility provided to the Subscribers to register
under NPS online under Private & Corporate Sector. Now.
for clarity of Subscribers, an instruction “Government
employees who are mandatorily covered under NPS shall
approach their Nodal Offices for PRAN generation” has been
added on ‘Home screen and ‘Online Subscriber Registration”
screen under eNPS website.
2-May-17
15 Addition of New PFM Birla Sun Life Pension Management Limited registered in the
CRA system under NPS. Now, in addition to the existing
seven PFMs. The Subscribers will have option of new PFM –
Birla

Sun Life to manage their funds under NPS.
4-May-17
16 New Payment Gateway-BillDesk In eNPS, alongwith SBI ePay, BillDesk has been integrated
as the second Payment Gateway Service Provider. This will
help the Subscriber to make payment through any service
provider as per his/her choice by selecting the available
payment options. Addition of Billdesk as new payment
gateway has ensured participation of new banks which were
not part of SBI ePayment

gateway especially AXIS Bank and HDFC Bank.
4-May-17
17 New Payment Gateway-BillDesk – for Corporate Contribution BillDesk as “Payment Gateway Service Provider” enabled for
contribution upload by Corporates alongwith SBIePay.
12-May-17
18 NPS Mobile App- Hindi version The bilingual version of Mobile App has been developed for
convenience of NPS Subscriber. The Subscriber will have
option to choose the desired language option (either
English or Hindi) on accessing the Mobile App.
15-May-17
19 Retirement Adviser -Screen Changes Changes in Retirement Adviser (RA) confirmation screen and
label changes where PFRDA user authorises the registration
of RA.
19-May-17
20 FATCA/CRS Certification – by (Online) In-order to facilitate quick FATCA compliance, facility to
submit online FATCA Self-Certification has been provided to
the Subscriber in their CRA login (www.cra-nsdl.com). The
information regarding the said functionality is also made
available in CRA websites. Subscriber is required to log-in
to his/her NPS account (www.cra-nsdl.com) and sub menu
‘FATCA Self-Certification’ under Main Menu ‘Transaction’.
The Subscriber is required to fill-up the requisite
detialed and submit the sme through duly authorization by
generating OTP on his/her registered mobile number.
19-May-17
21 FATCA/CRS Certification- Digitization of Physical Form Digitization of FATCA Self-Certification details received
in the CRA system for the physical

forms received for the Subscribers.
23-May-17
22 Deactivation of Scheme A in Tier II As per the revised investment guidelines issued by the
PFRDA, Asset Class A shall not be available to NPS
subscribers under Tier II account. Accordingly, necessary
changes were made in the CRA system as well eNPS for
deactivation of Scheme A for Tier II.
28-May-17
23 Grievance Redressal Policy Grievance Redressal Policy (GRP) of CRA is framed as laid
down in the PFRDA (Redressal of Subscriber Grievance)
Regulations, 2015. The GRP is available on CRA corporate
website under ‘Subscribers Corner’ section. Now as advised
by PFRDA, a link of GRP is made available on Subscriber
login page in the CRA system and_NPS Lite system.
1-Jun-17
24 APY Co- Contribution Upload Upload of APY Co-Contribution (alongwith UTR Details) by
APY Banks to identify the co-

contribution credits in eligible PRANs.
7-Jun-17
25 Transaction Statement-view The facility to download and/or print Transaction Statement
is given to APY & NPS Lite Subscriber. The Subscriber
can access their Transaction Statement through CRA NPS Lite
website (www.npslite-nsdl.com). The Subscriber has an
option to search their Transaction Statement with/without
PRAN details. The Subscriber are then required to provide
minimum details like PRAN and Bank Account Number or
Subscriber Name, Bank Account Number and Date or birth
registered in the CRA system.
7-Jun-17
26 NPS Mobile App – enhancement “Remember PRAN” in the APP is enabled. Now, Subscribers
need not enter 12 digit PRAN

everytime they login.
8-Jun-17
27 FATCA/CRS Certification – by Nodal Offices (Online) Nodal Office is required to log-in www.cra- nsdl.com and
access sub menu “FATCA Self-

Certification” under main menu “Transaction” and submit the
same by accepting ‘Declaration

by Nodal Office
9-Jun-17
28 DMS Upload – POPs Facility to upload scan image of Subscriber Registration
Form through DMS upload in the

CRA system. This facility is provided to ICICl (for
Subscribers registered with photo and

signature) –

Facility kept disabled as POP is yet to complete
development.
17-Jun-17
29 DSC Name Verification DSC Name verification – Requirement as per the Auditor’s
Report. Email sent to DSC entities to

provide details for DSC authentication (as in case of a
mismatch the access will be blocked).

Functionality is released & kept disabled, till CRA
receives confirmation from different intermediaries.


1. During DSC login authentication, DSC issued Name needs
to be verified with DSC User name

in CRA system captured at the time of DSC User
Registration.

2. Facility to change DSC User name to be provided in the
change DSC screen in CRA system.
17-Jun-17
30 Exit – ASP related enhancement 1. Insertion of additional fields (UTR No, Bank Details,
Marital Status and Authorization date) in .xml file to ASP
post transfer of funds.

2. Subscriber’s name and the current NPS corpus of the
subscriber should be displayed while processing Annuity
Request.
17-Jun-17
31 Exit- Changes based on PFRDA Exit Regulations, 2015 1. For Govt. Sector Subscribers, default frequency of
Annuity is made “Monthly” only.

2. Claim ID in case of Corporate sector subscriber is
generated six months in advance from the ‘Date of Birth +
60 years’. Now, Claim ID will be generated six months in
advance from ‘Date of Retirement’ of subscriber. Also, in
cases where the ‘Date of Retirement’ of Corporate
Subscriber, is not available it will be generated on the
basis of ‘Date of Birth + 60 years’
17-Jun-17
32 Exit – User enhancement 1. In order to avoid return of funds by trustee bank due to
incorrect bank account number, the User will be asked to
enter bank account number two times.

2. Automatic population of Withdrawal percentage i.e.
60:40, 20:80 or 100% for death, resignation or retirement
along with the value of amount to the credit of subscriber.

3. Display the balance of Tier 2 for online Tier 2
Withdrawal.
17-Jun-17
33 Exit – User enhancement 1. In case of Withdrawal due to Superannuation and
Premature Exit, at the time of initiation of online
Withdrawal request at bank details page, “Transaction Type”
will be shown as ‘Electronic’ to the User by default.

2. Editable Nomination details if already provided earlier.

3. “KYC Certification” option provided at check list page
for Govt. & NPS Lite Superannuation & Premature
exit cases.
17-Jun-17
34 Grievance – enhancement At present, Subscriber under NPS Lite have enhancement
facility to raise grievances in Central Grievance
Management System (CGMS) which is resolved by NLOOs. Now,
in addition to NLOOs, NLAOs can provide resolution to the
grievances.
17-Jun-17
35 lnbox Notification Inbox notification for requests pending for authorization
is enabled to Nodal Office entities in their login. The
User can access the link provided against the pending
notification to view/resolve the requests.
17-Jun-17
36 MIS/Report- Persistency MIS report on persistency /non persistency of APY
contribution enabled for NLOOs.
17-Jun-17
37 MIS upload-non mandatory for Subscriber Registration As advised by PFRDA, to stop rejection of subscriber
registration application for the reason ‘MIS not uploaded
by the POP’, necessary validation related to upload of MIS
for subscriber registration has been removed in the CRA
system. Accordingly, PRAN applications are now being
processed even if MIS is not uploaded by the POPs for the
corresponding receipt numbers.
17-Jun-17
38 NPS Mobile App – NPS Lite/APY Similar to NPS Regular, Mobile App is introduced for NPS
Lite/APY Subscribers. In 1st phase, following
features are released for NPS Lite/APY Subscribers.

1. Statement of Holding

2. Statement of Transaction (pdf download)

3. Subscriber details view

4. Last three Contribution details
17-Jun-17
39 Subscriber Registration – enhancement The Soundex process is carried out in the CRA system at the
time of Subscriber Registration to identify the duplicate
Subscribers being registered under NPS. Now, in addition to
Subscriber Registration, Soundex process is also carried
out for Subscriber modification requests executed in the
CRA system.
17-Jun-17
40 Subscriber Registration – enhancement Now, the PRAN is displayed in the Error HTML shown to the
Usesrs, in case of Subscriber Registration File getting
rejected due to duplicate value of PPAN, PAN, Aadhar,
Passport and Acknowledgement Number.
17-Jun-17
41 Grievance – enhancement Subscribers under NPS Lite have facility to raise
grievances in Central Grievance Management System (CGMS0
against CRA/ Nodal Office / NPS Trust. Now, Trust will have
facility to forward/assign these greivances to CRA/Nodal
Office.
23-Jun-17
42 Enps – Service Tax replaced with GST Replacement of existing Service Tax to GST;

1. Receipts will be have label as GST and will be having
18% calculated amount

2. Labels/text which shows payment gateways charges is
being modified to display GST & 18% instead of service
tax and 15%

3. The Service tax element which was charged for the trail
commission during subsequent contribution payment through
online payment mode in eNPS wil be termed as GST
30-Jun-17
43 Merger – State Bank of India Merger of various Associated Banks with State Bank of India
– related system changes, updations and modifications
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B. Karvy Computershare Pvt. Ltd:
 


Sr.No. Functionality Description Release Date
1 Receipt Generation A receipt number generation module has been developed for
POP who does not have back office. POP/POP-SP can generate
receipt number for various requests using CRA system and
further no MlS will be required to upload once again in CRA
system. Receipt can be generated for following type of
request by POP/POP-SPs:

1. Subscriber Registration & Initial Contribution

2. Subsequent Contribution

3. Shifting Request

4. Scheme Change Request

5. Withdrawal request etc.
01-Apr-17
2 Mobile App Mobile App for NPS Subscribers who are registered with
Karvy CRA. Subscriber can download the NPS Mobile App from
Google Play store by searching the name “NPS by Karvy-CRA”.
The Subscriber can access latest account details and make
transaction by logging in through User lD (PRAN) and
password (I-PIN). The following features are provided
through the Mobile App:

1. View your Profile details.

2. View current Holdings

3. Request for Transaction Statement on registered Email
ID.

4. Change contact details like Telephone, Mobile no. and
Email lD.

5. Change Password facility

6. View Last 5 contribution transactions carried out

7. Contribute in NPS Tier I as well as Tier II account

8. Change Scheme Preference

9. One Way Switch request (from Tier ii to Tier I)

10. Tier II withdrawal request

11. Modify address using Aadhaar

12. Grievance/Enquiry

13. Generate Password
13-Apr-17
3 e-Sign The e-Sign facility has been implemented for Subscriber
registering (Tier I or Tier I & Tier II) through eNPS
using Aadhaar authentication and the same is now available
for Subscribers. Subscriber already register through
Aadhaar based can also do the e-Sign to dispense the
physical form.
21-Apr-17
4 Download Option to download the List of POP-SPs has been provided to
POP3. Now POPs can download the underlying POP-SPs
registered in CRA system.
29-Apr-17
5 CGMS Following facility has been developed:

1. If the Subscriber is not satisfied with the resolution
provided by the entity, then subscriber can escalate the
grievance to NPS Trust.

2. If the subscriber grievance is not resolved within 30
days, subscriber can escalate to NPS Trust.
29-Apr-17
6 CGMS 1. NPS Trust can seek feedback from the associated
entity/nodal office to close the grievance. Nodal office
should also have the option to seek feedback from
DDO/POP-SP on the grievance.

2. NPS Trust can also assign the grievance to other entity,
if desired.
29-Apr-17
7 SMS/Email Facility to send the SMS/Email once PRAN Kit is dispatched
to the Subscriber. Subscriber will get to know that
the_PRAN Kit has been dispatched by CRA.
29-Apr-17
8 Interoperability Interoperability between both the CRAs has been
implemented. Subsequently, the interoperability feature has
been released based on sufficient testing for
interoperability as shifting of Subscriber from NCRA to
KCRA. In this scenario, individual Subscribers or corporate
(along with underlying Subscriber) can shift from NCRA to
KCRA.
12-May-17
9 FATCA Earlier, the FATCA declaration while registration through
eNPS was implemented based on guideline from PFRDA/NPS
Trust. Subsequently, the NPS trust had issued the revised
guideline for FATCA declaration. Accordingly, the revised
FATCA declaration is implemented in eNPS.
18-May-17
10 Scheme Preference As per guideline issued by NPS Trust, Scheme A from Tier II
has been discontinued. Accordingly, the changes made in the
system where scheme A will not be allowed,

a) for Tier II during Subscriber registration

b) for Tier II activation

c) for Tier II Scheme_preference change.
23-May-17
11 PRN/TRN For bulk acceptance of application form, a provision has
been developed to issue the Temporary Receipt No/
Provisional Receipt No to the Nodal offices based on the
mode of registration Opted by Nodal offices. Using this
feature,

a) CRA user can generate TRN/PRN

b) System will identify the treatment of application form
based on the entity

c) In case of online registration, PRN will be generated
for storage only
23-May-17
12 Missed Call Service KCRA has implemented the “Missed Call Service” for Karvy
CRA subscribers.

Subscriber can now just give a missed call to 9212993399
through his/her registered mobile number for knowing
his/her balance in NPS account. For all the subscribers
whose mobile number are registered in Karvy CRA, they will
get response SMS with the balance values for all the PRANs
where the particular mobile number is registered.
26-May-17
13 Mobile App Earlier, Subscriber can do online contribution through
Mobile App using login credential. Now the online
contribution facility has been made available outside the
login. In this case, Subscribers details will be
authenticated through OTP and contribution will be allowed.
26-May-17
14 Mobile App Currently, Mobile App for Karvy CRA Subscribers is
available for Android users. Now the same has been made
available for iOS users. The following features are
provided through the Mobile App:

1. View your Profile details.

2. View current Holdings

3. Request for Transaction Statement on registered Email
ID.

4. Change contact details like Telephone, Mobile no. and
Email ID.

5. Change Password facility

6. View Last 5 contribution transactions carried out

7. Contribute in NPS Tier I as well as Tier II account

8. Change Scheme Preference

9. One Way Switch request (from Tier II to Tier I)

10. Tier II withdrawal request

11. Modify address using Aadhaar

12. Grievance/Enquiry

13. Generate Password

14. Online contribution without login
31-May-17
15 Interoperability Interoperability between both the CRAs has been
implemented. The changes related to shifting of Corporate
Subscriber from one CRA to another CRA has been made
available.
05-Jun-17
16 POP online A platform for PoPs (similar to eNPS) to generate PRANs in
seamless, online and in paperless form
13-Jun-17
17 FATCA FATCA submission to CRA and data capturing facility to CRA
user as well as Nodal offices
14-Jun-17
18 Download List of POP-SPs registered in CRA system has been made
available to POPs as downloadable. Now POP can download the
list of underlying POP-SP registered in CRA system.
21-Jun-17
19 Email alert Provision for consolidated email alert to POP for pending
KYC verification request has been created. If any request
is pending for KYC verification, at the end of day, a
consolidated list for KYC verification request will be
emailed to POP.
22-Jun-17
20 KYC verification Earlier, only specific rejection reason made available to
Bank POP for KYC rejection. Now in addition to the specific
reason, Other option has been added as rejection reason. If
Bank POP selects the Other then the remarks for the same
needs to be provided mandatorily.
22-Jun-17
21 GUI Positioning and label of the “Generate/Reset Password” has
been changed to make it more user friendly.
30-Jun-17
22 GUI Earlier, only calendar was available to select the date of
birth. Now, User can enter the date of birth and the same
will be validated with the format as well as calendar.
30-Jun-17
23 GUI Following are the message w.r.t. Service Tax has been
changed to display the GST instead of Service tax:

1. Change of Payment Gateway charges message in eNPS like
Transaction charges plus GST@18% (based on PGSP
confirmation)

2. Change of e-Sign message regarding charges like GST
instead of Service Tax
30-Jun-17
24 Limited Access View Limited Access Limited access View (Without Iogin) – A link
has been made available on CRA system wherein
Subscriber/Nodal Office can check the status of various
request without login into CRA system.

Subscriber/Nodal office has to enter the PRAN or Ack ID or
Receipt No (as per request) and latest status will be
displayed. Following are the request type has been
considered:

1. Subscriber registration status

2. PRAN kit dispatch

3. Contribution status

4. Grievance status

5. Withdrawal status
30-Jun-17
25 Receipt Generation Change in receipt generation module to incorporate the GST
based on POP requirements:

1. Configuration of destination which will be applicable to
calculate the GST

2. Provision for IGST/CGST/SGST/UTGST

3. Change in Receipt generation screen to capture the state
of the Subscriber and display the GST                            Accordingly

4. Change in PDF receipt download to incorporate the GST
instead of Service Tax
30-Jun-17
26 Trail Commission (GST) Following changes has been done for Trail commission (POP
service charge) due to GST rollout:

1. Change of Service Tax from 15% to GST @18% for trail
commission calculation.

2. Display of GST instead of Service Tax

3. Change of message on eNPS under Steps to contribute
“0.05% plus applicable GST (subject tominimum of Rs.5 and maximum of Rs. 5,000 per transaction).
30-Jun-17
(Venkateswarlu Peri)
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