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National Pension System for

Point-of-Presence service for opening and contributing to an Tier I National Pension System account, a -regulated, defined-contribution and market-linked retirement account.

Service typeDefined-contribution National Pension System Tier I account service for NRIsFeesRegistration ₹400 excluding GST; initial and subsequent contribution charge 0.50% (minimum ₹30, maximum ₹25,000) excluding GST; non-contribution transaction ₹30 excluding GST; annual persistency ₹50/₹75/₹100 based on contribution band. PFRDA/POP charges may change under the published terms.EligibilitySBI's page states that Indian citizens aged 18-70 may use the NRI Tier I service and that Tier II is not available to NRIs.; NPS returns are market-linked and not guaranteed; exit, annuity, fee, tax and eligibility rules should be confirmed under the latest PFRDA and tax provisions.; The SBI page was last updated 13 December 2024, and its linked CSRF is expressly resident-only; obtain the correct current NRI form and document checklist from a registered SBI NPS branch for offline onboarding.
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Quick eligibility check

National Pension System for

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you aged 18 to 70?

Published source: Eligibility

2Do you meet this requirement: NPS returns are market-linked and not guaranteed?

Published source: Eligibility

3Do you meet this requirement: exit, annuity, fee, tax and eligibility rules should be confirmed under the latest PFRDA and tax provisions?

Published source: Eligibility

4Are you this type of customer: The SBI page was last updated 13 December 2024, and its linked CSRF is expressly resident-only?

Published source: Eligibility

5Does your age meet this requirement: Non-resident Indian citizens aged 18 to 70 seeking a Tier I National Pension System account through SBI?

Published source: Customer type

6Document checkDo you have this required document or proof: Correct current NRI NPS subscriber-registration form obtained from SBI; do not use the resident-only CSRF currently linked by the NRI page?

Published source: Eligibility

7Document checkDo you have this required document or proof: NPS Contribution Instruction Slip and self-attested KYC documents for offline subscription, as stated by SBI?

Published source: Eligibility

8Document checkDo you have this required document or proof: Current NRI identity, address, tax-residency and bank evidence required by the correct form and registered branch?

Published source: Eligibility

9Document checkDo you have at least one of these required documents: For later offline contributions: NCIS with PRAN or New Application notation and payment details; PAN copy for a cash contribution of ₹50,000 or more, as stated on the current linked slip?

Published source: Eligibility
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 11 Aug 2026 · active
Offered byState Bank of India

Online for eligible internet-banking users or offline through branches registered for business

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Service typeDefined-contribution National Pension System Tier I account service for NRIsView source
describes as a defined-contribution pension system and identifies Tier I as the mandatory pension account for its service.
Source
National Pension System for
Page / section
Introduction and Features
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
RegulatorPension Fund Regulatory and Development Authority (PFRDA)View source
The page identifies as the administrator and regulator of .
Source
National Pension System for
Page / section
Introduction
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Tier availability for NRIsTier I available; SBI's NRI page states Tier II is not available to NRIsView source
The Features tab labels Tier I the pension account and explicitly says are not eligible for Tier II.
Source
National Pension System for
Page / section
Features
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Published age eligibility18 to 70 yearsView source
Eligibility tab states that Indian citizens aged 18-70 may subscribe and says existing pension-system coverage does not exclude a subscriber.
Source
National Pension System for
Page / section
Eligibility
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Minimum opening contribution₹500View source
The Features tab publishes ₹500 as the Tier I opening contribution.
Source
National Pension System for
Page / section
Features — Minimum Contribution
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Minimum annual contribution₹1,000 total per year, with a minimum ₹500 per contributionView source
publishes both the annual total and per-contribution minimums in the Features tab.
Source
National Pension System for
Page / section
Features — Minimum Contribution
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Partial-withdrawal rule published by SBIUp to 25% of the subscriber's own contributions after a three-year lock-in, no more than three withdrawals over the tenure, subject to regulator conditionsView source
The bank page states the 25%, three-year and three-withdrawal conditions and makes them subject to regulator-prescribed conditions.
Source
National Pension System for
Page / section
Features — Part Withdrawals
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Exit at age 60 published by SBIAt least 40% of the corpus to annuity; up to 60% available as lump sum or staggered withdrawal through age 75; full lump sum if accumulated corpus is below ₹5 lakhView source
This records the exit proportions and ₹5 lakh full-withdrawal threshold stated on page; tax treatment is deliberately omitted because it must be checked under current law.
Source
National Pension System for
Page / section
Features — Exit Option at age 60
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Exit before age 60 published by SBIAfter five years, up to 20% as lump sum and 80% to annuity; full lump sum if accumulated corpus is below ₹2.5 lakhView source
The page publishes the five-year, 20%/80% and ₹2.5 lakh conditions for exit before age 60.
Source
National Pension System for
Page / section
Features — Exit Option before age 60
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Investment flexibility published by SBIChoice of pension-fund manager; change the manager once per financial year and asset allocation four times per financial yearView source
The Benefits tab states the pension-fund-manager and asset-allocation change frequencies.
Source
National Pension System for
Page / section
Benefits
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Fund-management charge published by SBI0.01%View source
Benefits tab prints a 0.01% fund-management charge. The page was last updated 13 December 2024, so subscribers should confirm the current tariff before acting.
Source
National Pension System for
Page / section
Benefits
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Subscription channelsOnline through SBI internet banking's NPS Registration menu, or offline at a registered SBI NPS branch with the proper registration form, contribution slip and self-attested KYC documentsView source
The How to Subscribe tab publishes both internet-banking and registered-branch routes.
Source
National Pension System for
Page / section
How to Subscribe
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Recurring contribution facilityMonthly standing instruction or auto debit, created online or by physical request at a registered SBI NPS branchView source
describes online and branch standing-instruction routes for monthly contributions.
Source
National Pension System for
Page / section
How to Subscribe — Standing Instruction
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
POP initial registration charge₹400 excluding GSTView source
The charge table publishes ₹400 excluding for initial subscriber registration.
Source
National Pension System for
Page / section
How to Subscribe — / Bank Charges
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
POP contribution transaction charge0.50% of the initial or subsequent contribution, minimum ₹30 and maximum ₹25,000, excluding GSTView source
The fee table applies the same ad-valorem rate, floor and cap to initial and subsequent contribution transactions.
Source
National Pension System for
Page / section
How to Subscribe — / Bank Charges
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Other POP transaction charge₹30 excluding GST for a transaction not involving a subscriber contributionView source
table publishes ₹30 excluding for non-contribution transactions.
Source
National Pension System for
Page / section
How to Subscribe — / Bank Charges
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
All-Citizen-model persistency charge₹50/year for annual contribution ₹1,000–₹2,999; ₹75/year for ₹3,000–₹6,000; ₹100/year above ₹6,000, recovered by cancelling unitsView source
The table gives the three annual bands, labels them applicable only to the All Citizen model, and says recovery occurs through unit cancellation.
Source
National Pension System for
Page / section
How to Subscribe — / Bank Charges
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Current linked-form warningSBI's NRI page links a CSRF whose instructions say it is for resident Indians and that a separate form applies to NRIs; obtain the correct current NRI form from SBI before applying offlineView source
The mismatch is visible in the current -linked : its instructions expressly limit that form to resident Indians and say have a separate form.
Source
-linked Subscriber Registration Form ()
Page / section
Page 6 — Personal Details instruction
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Registration-form conditionsThe linked CSRF expressly says it is for resident applicants and directs NRIs to a separate form. It permits up to three nominees whose integer shares must total 100%; Tier II registration requires bank details and a cancelled cheque showing name, account number and IFSC; tax-residence/FATCA, PAN, declarations and KYC sections must be completed as applicable.View source
Every eligibility warning, nomination rule, bank-proof requirement and declaration category in the form is retained; blank personal-data fields are excluded.
Source
-linked Subscriber Registration Form () — Resident/ Applicability Mismatch
Page / section
Pages 1-6 — complete form and instructions
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Contribution-slip conditionsTier I and Tier II contributions are separate transactions and each attracts its own charge. Quote the PRAN or New Application reference; make cheque/DD payable to POP Collection Account NPS Trust and cross it account-payee; attach PAN for cash contributions of ₹50,000 or more. Voluntary Tier I tax eligibility remains subject to prevailing law.View source
Every fee, instrument, reference, threshold and tax qualification in the complete one-page slip is retained.
Source
-linked Contribution Instruction Slip (NCIS)
Page / section
Page 1 — complete contribution slip and notes
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
FeesRegistration ₹400 excluding GST; initial and subsequent contribution charge 0.50% (minimum ₹30, maximum ₹25,000) excluding GST; non-contribution transaction ₹30 excluding GST; annual persistency ₹50/₹75/₹100 based on contribution band. PFRDA/POP charges may change under the published terms.View source
The page's / Bank Charges section provides registration, contribution, non-contribution and persistency charges.
Source
National Pension System for
Page / section
/ Bank Charges
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
ChannelsOnline via OnlineSBI NPS Registration/Contribution; offline at a registered SBI NPS branch; and monthly standing instruction/auto-debit online or by physical request.View source
lists online, registered-branch and standing-instruction routes.
Source
National Pension System for
Page / section
How to Subscribe and subsequent contributions
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
AvailabilityOnline for eligible SBI internet-banking users or offline through SBI branches registered for NPS businessView source
The manually reviewed product record states: “Online for eligible internet-banking users or offline through branches registered for business”.
Source
National Pension System for — official product page
Page / section
Published product metadata
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
EligibilitySBI's page states that Indian citizens aged 18-70 may use the NRI Tier I service and that Tier II is not available to NRIs.; NPS returns are market-linked and not guaranteed; exit, annuity, fee, tax and eligibility rules should be confirmed under the latest PFRDA and tax provisions.; The SBI page was last updated 13 December 2024, and its linked CSRF is expressly resident-only; obtain the correct current NRI form and document checklist from a registered SBI NPS branch for offline onboarding.View source
The manually reviewed product record states: “ page states that Indian citizens aged 18-70 may use the Tier I service and that Tier II is not available to .; returns are market-linked and not guaranteed; exit, annuity, fee, tax and eligibility rules should be confirmed under the latest and tax provisions.; The page was last updated 13 December 2024, and its linked is expressly resident-only; obtain the correct current form and document checklist from a registered branch for offline onboarding.”.
Source
National Pension System for — official product page
Page / section
Published product metadata
Accessed
11 Aug 2026
Confidence
high
Open official source ↗
Customer typeNon-resident Indian citizens aged 18 to 70 seeking a Tier I National Pension System account through SBIView source
The manually reviewed product record states: “Non-resident Indian citizens aged 18 to 70 seeking a Tier I National Pension System account through ”.
Source
National Pension System for — official product page
Page / section
Published product metadata
Accessed
11 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Market-linked retirement investing with pension-fund-manager and asset-allocation choices
  • Online and registered-branch subscription and contribution routes
  • Portable account with published partial-withdrawal and exit options

Eligibility

  • page states that Indian citizens aged 18-70 may use the Tier I service and that Tier II is not available to .
  • returns are market-linked and not guaranteed; exit, annuity, fee, tax and eligibility rules should be confirmed under the latest and tax provisions.
  • The page was last updated 13 December 2024, and its linked is expressly resident-only; obtain the correct current form and document checklist from a registered branch for offline onboarding.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Correct current subscriber-registration form obtained from ; do not use the resident-only currently linked by the page
  • Contribution Instruction Slip and self-attested documents for offline subscription, as stated by
  • Current identity, address, tax-residency and bank evidence required by the correct form and registered branch
  • For later offline contributions: NCIS with PRAN or New Application notation and payment details; copy for a cash contribution of ₹50,000 or more, as stated on the current linked slip

Related official documents

SBI-linked NPS Subscriber Registration Form (CSRF) — Resident/NRI Applicability Mismatchofficial-application-form-with-applicability-conflict · uncertain · accessed 26 Aug 2026
↗
SBI-linked NPS Contribution Instruction Slip (NCIS)official-contribution-form · uncertain · accessed 26 Aug 2026
↗
SBI National Pension System for NRIsofficial-product-page · current · accessed 29 Aug 2026
↗

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Applicability · Published requirementForm is for resident Indians; a separate form is required. Foreign nationals, and applicants are not allowed to open PRAN under this form.

This value is copied from Subscriber Registration Form — eligibility and application fields. Check the table notes before relying on it.

Source: -linked Subscriber Registration Form (), Ver 1.1 · Pages 1–6 — application fields and instructions Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 12 rows · 2 columnsSBI NPS Subscriber Registration Form — eligibility and application fieldsFields and document rules printed in the six-page CSRF; the form itself warns that resident Indians and NRIs use different forms.View tableHide table

Scroll sideways to view every column

SBI NPS Subscriber Registration Form — eligibility and application fields
TopicPublished requirement
ApplicabilityForm is for resident Indians; a separate form is required. Foreign nationals, and applicants are not allowed to open PRAN under this form.
Mandatory personal detailsApplicant name, father's name, mother's name, date of birth, city and country of birth, gender, nationality, marital status and residential status; spouse name is mandatory when married.
Identity proofAny one accepted proof such as passport, voter , driving licence, NREGA job card, , Aadhaar/UID or other listed government/bank identity document, with identification number.
Address proofCorrespondence and permanent address proof may use passport, driving licence, Aadhaar, voter , NREGA job card, ration card, registered lease/sale agreement or a recent utility bill; separate proof is required when addresses differ.
and AadhaarThe form states Aadhaar and are mandatory under ; if not available at submission, the details are to be supplied within 6 months.
Income bandsUp to ₹1 lakh; ₹1 lakh–₹5 lakh; ₹5 lakh–₹10 lakh; ₹10 lakh–₹25 lakh; ₹25 lakh and above.
NominationUp to 3 nominees; each share must be an integer and all nominee shares must total 100%; a minor nominee requires guardian details.
Bank detailsTier I bank details are optional; if supplied, cancelled cheque/bank certificate supports them. Tier II activation requires bank details and a cancelled cheque or bank certificate containing name, account number and .
Pension fund choiceOne pension fund must be selected. Government subscribers use the listed default funds; All Citizen, Corporate and Lite availability follows the form's selection matrix.
Active-choice asset limitsActive Choice allocation must total 100%; E cannot exceed 50%, C and G may be up to 100% each, and A cannot exceed 5%.
Auto ChoiceLC75, LC50 or 25 may be selected; if no lifecycle option is indicated, the form states Auto Choice LC50 is used.
timingGovernment subscribers may submit documents within 30 days after PRAN generation; copies must be self-attested and originals produced for verification.
  • The resident/ applicability conflict is retained explicitly; this table is evidence from the linked form, not a claim that the same form is valid for .
-linked Subscriber Registration Form (), Ver 1.1 · Pages 1–6 — application fields and instructions · accessed 26 Aug 2026Open official source ↗
Table 2 · 4 rows · 2 columnsSBI NPS CSRF — fund and allocation choicesThe pension-fund and investment-choice matrix printed in the application form.View tableHide table

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SBI NPS CSRF — fund and allocation choices
ChoicePublished rule
Investment modesActive Choice or Auto Choice; an unselected mode defaults to Auto Choice LC50.
Asset classesE = equity and related instruments; C = corporate debt; G = government bonds; A = alternative investment funds including CMBS, MBS, REITs, and InvITs.
Government sectorGovernment subscribers are currently not allowed to exercise the investment option and use default pension-fund/investment rules.
Pension funds listed Pension Fund, Pension Funds, Retirement Solutions, Prudential, Kotak Mahindra, Reliance Capital, Pension Management and Birla Sun Life Pension Management.
-linked Subscriber Registration Form (), Ver 1.1 · Pages 2 and 6 — pension fund and investment option instructions · accessed 26 Aug 2026Open official source ↗

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