1. Initiation of request by Subscriber
Deferment of NPS Account
Initiation of request by Subscriber

2. Deferment of NPS Account
As per PFRDA Regulations, if the subscriber does not desire to withdraw the funds on attaining 60 years of age then subscriber has the option to opt for Deferment of request and remain in NPS till he/she attains 70 years of age
In order to opt for Deferment under NPS, subscriber is required to initiate online request
If subscriber is not able to initiate online request, associated POP will initiate request on behalf of the subscriber
In case Subscriber opts for Deferment then Subscriber is not allowed to Contribute during Deferment period

3. Deferment Options
Deferred Lump Sum – Subscriber can defer withdrawal of his/her Lump Sum portion for maximum of 10 years. Subscriber can defer Lump Sum amount till 70 years of age.
Deferred Annuity - Subscriber can defer withdrawal of his/her Annuity portion for maximum of 3 years.
Deferred Lump Sum & Annuity - Subscriber can defer withdrawal of his/her Lump Sum as well as Annuity portion. Subscriber can defer Lump Sum portion for maximum of 10 years and Annuity portion for maximum of 3 years.

4. Deferment Process
For opting for Deferment under NPS, subscriber is required to initiate the online request at least fifteen days before the attainment of age of 60 years
In case request is not initiated at least fifteen days before the attainment of age of 60 years then NPS Trust approval is required in order to avail Deferment benefit
Subscriber will initiate Deferment request and associated POP will verify & authorize the same
Once request is authorized, Subscriber will be able to remain in NPS till 70 years of age

5. This video demonstrates how Subscriber
This video demonstrates how Subscriber will capture a Deferment request in CRA System

6. To initiate Deferment request, go to https://cra-nsdl.com/CRA/

8. Enter your 12 digit PRAN and enter password
**********
Enter Captcha and click on Submit Button 30

9. Click on “Exit Withdrawal Request”

11. Click on “Initiate Deferment”

12. Select “New request” and click on Submit button

14.
Enter Mobile Number

15. Select “Type of Deferment”
Select “Deferred Lump-Sum” for Deferring Lump Sum Withdrawal
Select “Deferred Annuity” for Deferring Annuity Withdrawal
Select both options for Deferring Lump Sum & Annuity Withdrawal

18. Click on “Proceed” button

19. Existing POP-SP name will be displayed. Click on “Proceed” Button

20. Confirmation screen will be displayed
Confirmation screen will be displayed. Kindly click on “Confirm” button to complete the process

21. Once the deferment request is initiated successfully, an Acknowledgement Number will be generated
Kindly inform your associated POP to Verify & Authorise request
Once request is Authorised by associated POP, you will be able to remain in NPS till 70 years of age

22. Thank you for viewing the demonstration.
In case of any assistance, please contact CRA.