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Govt/Third Party Fee : 500.00

Payment Frequency :

Authority : NSDL-PFRDA

Official Website : Connect

Service Duration : 24 Working Hours

Required Documents : Pran Original, Pan & Aadhar of Subscriber & Nominee, Cancelled Check & Photo of Nominee, Death Certificate of Subscriber

Delivery of Service : Both-Online & Courier

Eligibility :

Processing Death Claims where Nomination is changed post death of Subscribers

Nomination can be made only by the subscriber. However, there are special provisions enabled as per exit regulations for treating the nomination as made in the service records to protect the interest of the subscribers who were employed and covered under NPS through their employers.

The following points are clarified for the benefit of various intermediaries which are associated with exit processing viz Nodal officers of Govt/ Non Govt Sector, POPs and NPST in order to facilitate seamless claim processing.

  1. Any changes in the nomination post death of the Subscriber using the deceased Subscribers’ login credentials shall be treated as invalid.
  2. All those cases with those invalid nominations, the valid nomination made by the Subscriber (valid nomination are those which fulfil nomination rules defined by PFRDA as provided in its exit Regulations & the same provided at Annexure) before death shall be considered for claim processing.
  3. Those cases with invalid nomination and as defined in Exit Regulations 3(c) & 4(c)in Government and Non-Government Sector respectively, the claims need to be processed by the respective intermediary and the eligible corpus has to be paid to the legal heirs.

Subscribers covered under Govt Sector (sub-clause(c) of Regulation 3) and Corporate sub-clause(c) of Regulation 4, where no valid nomination exists in accordance with exit  regulations: At the time of exit of such subscriber on account of death, the nomination, if any existing in the records of such subscriber with his or her employer for the purpose of receiving other admissible terminal benefits shall be treated as nomination exercised for the purposes of receiving benefits under the NPS as per the provisions of Exit Regulations 32(xii).

The intermediaries associated with processing of claims are to be provided with the required functionality/ system interface in their user login by CRAs to capture the claimant details viz legal heirs or nominee as per employer records as the case may be, if those invalid nominations are observed. In the system interface, the employer has to specify and declare and certify that the nomination exists in the service record of the employee are being considered for claim settlement.

  1. In case of Subscribers under UOS: Any changes in the nomination post death of the Subscriber using the deceased Subscribers’, login credentials shall be treated as invalid and the amount needs to be settled in favour of legal heirs.

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Frequently Asked Questions
Question:
What are the documents required from Nominee/Claimant in cases of death Withdrawal request?
Answer:

The Nominee/Claimant is required to submit duly filled-up Death Withdrawal Form alongwith supporting documents such as [Death Certificate deceased Subscriber, KYC Documents (Identity & Address Proof), Bank Account Proof and other required documents]. The list of documents required is given in Death Withdrawal Form. The Death Withdrawal Form is available under "Forms" section, which is available under All Citizens of India sector on this website.

Withdrawal Form needs to be submitted by each of the Nominee/Claimant
Question:
What is the process to be followed by Nominee(s) / Claimant(s)?
Answer:

The Nominee/Claimant is required to submit the Death Withdrawal Form alongwith relevant supporting documents to the associated Point of Presence (POP) of the Subscriber.

The POP will process death withdrawal request online in the CRA system. On processing of withdrawal request by POP, the funds will be transferred to Nominee/Claimant within stipulated timelines. Also, if annuity is opted by nominee/legal heir, then Claimant’s details are shared with Annuity Service Provider (ASP) for completion of annuity formalities.
Question:
How does the Nominee/Claimant receive the Withdrawal proceeds?
Answer:

The Withdrawal proceeds are credited in Nominee/Claimant Bank Account (as per the bank details provided at the time of initiating online Withdrawal request) through electronic mode only.
Question:
How to process death case where multiple Nominees are registered in CRA system??
Answer:

Such Withdrawal request will be processed as per below mentioned scenario:

  • A)Withdrawal form needs to be submitted by all the Nominees registered in CRA system
  • B)If some Nominee/s doesn’t want to claim the NPS corpus:
    1. Relinquishment deed is to be submitted by the Nominee/s who doesn’t want to claim the NPS benefits.
    2. Indemnity Bond is to be submitted by the Nominee who is claiming the NPS benefits
    3. Format of Relinquishment deed and Indemnity Bond is available under "Forms" section, which is available under All Citizens of India sector on this website.
  • C)In case one Nominee is a major and other is a minor:
    1. Major Nominee will submit his/her Withdrawal form.
    2. Guardian (on behalf of minor) will submit the Withdrawal form along with the birth proof of the minor.
Question:
How to process the death cases if no nominee is registered in CRA system for PRAN?
Answer:

In case, the nomination is not registered by the deceased subscriber before his/her death, the accumulated pension wealth shall be paid to the family members on the basis of the legal heir certificate issued by the Revenue authorities of the State concerned or the succession certificate issued by a court of competent jurisdiction.