NPS Account Frozen: In today’s world, preparing for the future is as important as it is difficult. Inflation is increasing, and living a secure life in the future is a concern for everyone. In such a situation, the National Pension System has become a strong supporting arm for millions of people.
Whether you work in a government job or a private company, you can always look forward to a secure future with NPS. Or, if you have experienced this, there is no reason to worry. Fortunately, you can now easily unfreeze your NPS account from the comfort of your own home.
What is the reason an NPS account gets frozen?
In order to ensure that the NPS Tier-1 account registers a timely activity, the investor has to invest at least ₹1,000 annually. Another condition that has to be fulfilled is investing at least ₹500 once in a year. In case the investor fails to invest at least ₹500 in the account in the same year due to any reason or circumstance, the NPS Tier-1 account gets frozen.
This commonly occurs in situations where the individual has changed jobs, had a lengthy period without pay, or has become too involved in family responsibilities. At times, users are not even aware that accounts have been frozen and discover the fact only when they attempt to access it.
What happens when an account is frozen?
When an NPS account is frozen, no money is allowed to be added, and there are no benefits drawn from an investment. This affects your retirement scheme directly. The advantage of compounding is lost, and this can impact your pension in the future.
However, the good news is that an NPS account is not closed in a permanent sense. It can always be reactivated, and that too quite easily.
How to unblock your NPS account sitting at home
Now, it is not necessary to go to any bank or office. The NPS account can be activated online. Your PRAN number will be sufficient. First of all, you need to log in to the official website of NPS. After logging in, a ‘Contribute Online’ or ‘Reactivate Account’ option will appear.
Here, you have to deposit the minimum amount that may be ₹1,000. As soon as the payment is made, your account will be reactivated. At times, it also includes a penalty or a trivial charge; the amount is determined according to rules, but it is not very high.
Why is it important to keep my NPS account active?
NPS is not just a savings scheme, it can also be your greatest strength in old age. The earlier and more frequently you save, the more you will be able to save. It also comes with tax benefits, making it even more beneficial.
If your account gets frozen frequently, not just your investment comes to a standstill, but your plans too. It is therefore advisable that you deposit at least the minimum amount on a yearly basis.
Disclaimer: This article is for general information purposes only. The rules and fees related to NPS are subject to change from time to time. Kindly get all necessary information from the official website of NPS or from a financial advisor before making any move. The author will not be responsible in any case for financial loss.
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