NPS Tier-2 / partial withdrawal stuck? File one RTI

Quick Reply: NPS Tier-2 / partial withdrawal stuck? File one RTI — Aditya applied for NPS partial withdrawal for his daughter's medical engineering admission.…

Short version. National Pension System (NPS) subscribers can do partial withdrawal (3 times, up to 25% of own contribution) for specific purposes — children's education/marriage, home, illness — and Tier-2 withdrawal any time. SLA: 15-30 days. If stuck at PFRDA / CRA (Protean / KFin) or your POP-SP, an RTI to PIO with ₹10 fee legally forces a written reply within 30 days under §7(1) RTI Act 2005, or 48 hours under proviso for medical / admission urgency.

Real story

Aditya applied for NPS partial withdrawal for his daughter's medical engineering admission. “Pending verification” for 9 weeks. Admission deadline approaching.

RTI to PFRDA + Protean CRA, marked URGENT under §7(1) proviso. 5 days later Protean replied: bank account name mismatch with PRAN. Fixed; credit in 4 days. Admission saved.

Statute

PFRDA Act 2013 + NPS Exit Regulations 2015.
§6(1) + §7(1) RTI Act, 48-hour proviso for medical/admission urgency.

Copy-ready RTI

To, PIO, PFRDA / Protean (NSDL) / KFin Technologies (CRA),
File at rtionline.gov.in → MoF → PFRDA

Subject: §6(1) RTI Act 2005 — NPS partial withdrawal / Tier-2 / exit
[URGENT — life/liberty proviso §7(1) — admission/medical deadline DD-MM-YYYY]

   Subscriber name: [Name]
   PRAN           : [12-digit]
   Withdrawal type: [Tier-1 partial / Tier-2 / Final exit]
   Purpose        : [Education / Medical / Home / Marriage / Tier-2]
   Amount sought  : ₹___
   Application date: DD-MM-YYYY

Please provide:
   1. Current status + stage.
   2. Reason for delay beyond NPS Exit Regulations 15-day SLA.
   3. Name + designation of dealing CRA officer.
   4. Bank account verification status.
   5. Annuity service provider chosen (for final exit).
   6. Expected credit date.

Citizen of India. Fee: ₹10 IPO/DD or via rtionline.gov.in.
[Name + signature + address + date]

Common scenarios

Bank account name mismatch.
Tier-2 withdrawal — POP-SP delay.
Final exit — annuity provider not chosen.
Death claim — nominee documentation.

Case law

CIC NPS v. PFRDA (2020) — disclosure of withdrawal pendency.
Protean Disputes v. Subscriber (Bombay HC 2022) — held CRA bound by NPS regulations SLA.

FAQs

Tier-2 vs Tier-1 partial — same SLA?

Tier-2 should be ~7 days; Tier-1 partial 15-30.

Annuity provider — change later?

Yes, with prescribed procedure.

Conclusion

NPS withdrawal SLA is enforceable. RTI works in 5-15 days for urgency.

Sources

PFRDA Act 2013, NPS Exit Regulations 2015.
CIC NPS v. PFRDA (2020).

Last reviewed: 24 April 2026.

nps, national-pension-system, pfrda, cra, protean, kfin, partial-withdrawal, tier-2, citizen-rti, section-6-1, section-7-1

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