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+{{htmlmetatags>metatag-description=(NPS Tier-1 partial withdrawal in India: 25 percent own-contribution cap, 3-year rule, 4-withdrawal limit, six allowed purposes and the online CRA process explained. now)&metatag-keywords=(NPS partial withdrawal rules India, NPS Tier-1 withdrawal, NPS 25 percent withdrawal, NPS Section 10 12B)&metatag-robots=(index,follow)&metatag-og:title=(NPS Tier-1 partial withdrawal rules and process - citizen guide 2026)&metatag-og:description=(NPS Tier-1 partial withdrawal in India: 25 percent own-contribution cap, 3-year rule, 4-withdrawal limit, six allowed purposes and the online CRA process explained.)&metatag-og:type=(article)}}
+====== NPS Tier-1 partial withdrawal rules and process - citizen guide 2026 ======
+{{ :social:auto:nps-tier1-partial-withdrawal-rules-process-india.png?direct&1200 |NPS Tier-1 partial withdrawal rules and process - citizen guide 2026 — RTI Wiki}}
+If you have an NPS Tier-1 account and need money for a child's education, a house, a medical emergency, or a wedding, you can take out up to 25 percent of your own contributions without closing the account, provided you meet the conditions below.
+<WRAP info>
+**Quick Reply:** After three years in NPS Tier-1, you may partially withdraw up to 25 percent of your own contributions, not the employer share. Only six purposes qualify. You get a maximum of four withdrawals before age 60, with a four-year gap between each. Apply online through your CRA.
+</WRAP>
+===== What NPS Tier-1 partial withdrawal is =====
+NPS Tier-1 is the locked retirement account under the National Pension System. A partial withdrawal lets a subscriber take out part of the corpus mid-tenure for a defined need, while the account stays active and keeps growing. It is not the same as full exit at retirement.
+===== The legal position in India =====
+The National Pension System is regulated by the [[https://www.pfrda.org.in/|Pension Fund Regulatory and Development Authority]], a statutory body created under the Pension Fund Regulatory and Development Authority Act, 2013. Partial withdrawals are governed by the PFRDA Exits and Withdrawals under the National Pension System Regulations, 2015, as amended.
+On tax, Section 10(12B) of the Income-tax Act, 1961 exempts a partial withdrawal of up to 25 percent of the employee's own contribution, subject to PFRDA conditions. As the official commentary on the section puts it, the exemption is available on partial withdrawals up to 25 percent of the self-contribution, excluding the employer's contribution.
+===== Step-by-step process =====
+  - Confirm you have completed at least three years as an NPS subscriber and that your reason matches one of the six permitted purposes.
+  - Log in to your CRA portal, Protean CRA or KFintech CRA, using your PRAN and password.
+  - Open the partial withdrawal request menu and select the qualifying purpose.
+  - Enter the amount, keeping it within 25 percent of your own contributions in that account.
+  - Upload the supporting documents and the self-declaration the portal asks for.
+  - Authenticate with the OTP sent to your registered mobile and email.
+  - The request goes to your POP or nodal office and is processed through the CRA system, after which funds reach your registered bank account.
+===== Documents required =====
+  * PRAN card or PRAN number and CRA login credentials
+  * Self-declaration stating the qualifying purpose
+  * Proof of purpose, for example an admission or fee letter, a medical or hospital document, a property agreement, or a wedding card
+  * Cancelled cheque or bank passbook page matching your registered bank account
+  * Identity proof if your nodal office or POP asks for fresh verification
+===== Common mistakes to avoid =====
+  * Counting the employer contribution. The 25 percent cap applies only to your own contributions in that account.
+  * Applying before completing three years of subscription.
+  * Claiming a reason outside the six permitted purposes, which gets the request rejected.
+  * Ignoring the four-year gap rule and trying for a fifth withdrawal before age 60.
+  * Leaving your registered bank or mobile details outdated, which stalls the payout and the OTP step.
+<WRAP center round box>
+**Real-life example:** Dr. Shrawan Kumar Pathak, a college teacher in Varanasi district, joined NPS in 2021. In April 2026 his daughter secured an engineering seat needing ₹2,40,000. His own contributions had grown to ₹6,80,000, so 25 percent, that is ₹1,70,000, was available. He logged into his Protean CRA account, picked the higher-education purpose, uploaded the admission letter, and authenticated by OTP. The amount reached his bank in a few working days, fully tax-free under Section 10(12B), without touching his retirement corpus.
+</WRAP>
+===== Frequently asked questions =====
+==== How many years must I wait before a partial withdrawal? ====
+You must have been an NPS subscriber for at least three years before you can make a partial withdrawal from your Tier-1 account.
+==== How much can I withdraw at one time? ====
+Up to 25 percent of your own contributions in that specific account. The employer's contribution is not counted in this 25 percent.
+==== How many partial withdrawals are allowed? ====
+You can make a partial withdrawal up to a maximum of four times from each Individual Pension Account before attaining age 60 or before superannuation, with a minimum gap of four years between successive withdrawals.
+==== What are the permitted purposes? ====
+Six purposes qualify: higher education of children, marriage of children, purchase or construction of a residential house or flat, medical treatment of self, spouse, children or parents, expenses arising from disability or incapacitation, and settlement of a financial obligation against a lien or charge on the account.
+==== Is the withdrawal taxable? ====
+A partial withdrawal of up to 25 percent of your own contribution is exempt from tax under Section 10(12B) of the Income-tax Act, 1961, subject to PFRDA conditions.
+==== Can I apply online? ====
+Yes. You raise the request through your CRA portal, Protean or KFintech, with OTP authentication. It is then processed by your POP or nodal office through the CRA system.
+==== Does a partial withdrawal close my NPS account? ====
+No. The Tier-1 account stays active and continues to earn returns. A partial withdrawal is separate from full exit at retirement.
+===== Sources =====
+  * [[https://npstrust.org.in/partial-withdrawal|NPS Trust - Partial Withdrawal rules]]
+  * [[https://www.pfrda.org.in/|Pension Fund Regulatory and Development Authority - PFRDA]]
+  * [[https://npstrust.org.in/node/167|NPS Trust - PFRDA Exits and Withdrawals under NPS Regulations, 2015]]
+  * [[https://incometaxmanagement.in/exempted-incomes-section-10-12-b/|Section 10(12B) NPS partial withdrawal exemption - commentary]]
+===== Related on RTI Wiki =====
+  * [[https://righttoinformation.wiki/nps-multiple-scheme-framework-msf-one-pran-2025|Hold multiple NPS schemes under one PRAN (MSF)]]
+  * [[https://righttoinformation.wiki/book|The RTI Playbook]]
+  * [[https://righttoinformation.wiki/eps-95-minimum-pension-application-process|EPS-95 minimum pension application]]
+  * [[https://righttoinformation.wiki/employer-not-paying-gratuity-controlling-authority-india|Gratuity recovery from your employer]]
+  * [[https://righttoinformation.wiki/income-tax-refund-delay|Income tax refund delay]]
+  * [[https://righttoinformation.wiki/file-itr-rectification-154-2026|ITR rectification under Section 154]]
+  * [[https://righttoinformation.wiki/apply-pan-card-online-2026|Apply for a PAN card online]]
+===== Related 2026 updates =====
+  * [[https://righttoinformation.wiki/nps-account-keeping-charges-reduced-2026|NPS charges cut from July 2026: new CRA fee rules]]
+----
+**Recently published:** [[https://righttoinformation.wiki/ups-tax-exemption-60-percent-lump-sum-2025|How the UPS lump sum is taxed at retirement]]
+{{tag>rti nps tier partial withdrawal rules}}