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How to Apply NPS Tier-1 Partial Withdrawal 2026
NPS Partial Withdrawal - 25% own contribution. After 3 years. Specific reasons (medical, marriage, education, home).
📁 Banking
⏱️ 30-45 mins
💰 Free
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About This Guide
NPS (National Pension System) Tier-1 partial withdrawal - up to 25% of own contributions (not employer). After 3 years of subscription. Specific reasons: medical (self/dependents), marriage (children), education (children), house purchase. 3 lifetime withdrawals. Online via PFRDA portal. Tax-free up to 25%.
Eligibility Criteria
- NPS Tier-1 subscriber 3+ years
- Specific reason valid
- Aadhaar mandatory
- PRAN active
- Bank account (Aadhaar-seeded)
Documents Required
Keep these documents ready before starting application. Missing documents = delayed approval.
- PRAN
- Aadhaar
- PAN
- Bank passbook
- Reason-specific documents
- Medical bills (medical)
- Wedding card (marriage)
- Admission letter (education)
- Property docs (home)
- Application Form
- Photo
Step-by-Step Application Process
Follow these steps in order. Each step is critical - skip none.
Visit Portal
npscra.nsdl.co.in.
Partial Withdrawal
Online services.
Reason
Medical/Marriage/Education/Home.
Calculation
Up to 25% of own contributions.
Submit Documents
Reason-specific.
Aadhaar OTP
Authentication.
PFRDA Verification
15-30 days.
DBT to Bank
Aadhaar-seeded.
Key Benefits
- 25% own contribution
- Specific reasons
- Tax-free withdrawal
- 3 lifetime withdrawals
- After 3 years
- Online quick
- Aadhaar e-KYC
- PFRDA-mediated
What Happens After Application?
15-30 days for credit.
Frequently Asked Questions
Why only 25%?
NPS designed for retirement. 25% partial withdrawal balance need + retirement saving. Beyond: deferred till 60.