PRAN – Permanent Retirement Account Number

The Central Government has introduced the New Pension System (NPS) with effect from January 1, 2004. The new pension system covers, at present, new entrants to Central Government services (excluding Defence Forces) and is expected in due course to be available to all other citizens of India. Under the new pension system, CRA will be required to maintain subscriber accounts and issue a unique Permanent Retirement Account Number (PRAN) to each subscriber. In this system, deductions towards NPS will be made from subscriber’s salary on monthly basis and equal amount of contribution will be made by the Government. The accumulated amount will be reflected in his/her Permanent Retirement Account while he/she is working and shall use the accumulations at retirement to procure a pension for the rest of his/her life. Subscribers in this system shall enjoy certain facilities and rights including portability across jobs and locations, choices of selection of Pension Funds and investment schemes, freedom to switch between service providers and nationwide access.

NSDL has built necessary infrastructure for providing CRA services to various stakeholders. CRA has gone operational from June, 2008. CRA would manage NPS Contribution Accounting Network (NPSCAN) related data until it is separated from the CRA applications. The NPS is expected to evolve over a period of time to include unorganized sector, self employed persons and any other citizen of India on a voluntary basis. The record keeping function of unorganized sector shall be decided by PFRDA / GoI independently in due course.

Role of CRA in NPS system

a)The recordkeeping, administration and customer service functions for all subscribers of the New Pension System will be centralised and performed by the CRA.

b)The CRA will issue unique Permanent Retirement Account Number (PRAN) to each subscriber, maintain database of all PRANs and record the transactions related to each subscriber’s PRAN

c)The CRA shall be responsible for receiving funds and instructions from subscribers through the nodal offices, transmitting such instructions and funds to the appointed Pension Fund Managers, trustee Bank, Annuity Service Provider effecting switching instructions received from subscribers

d)The CRA will provide periodic consolidated Statement Of Transaction (SOT) to each subscriber and discharge such other duties and functions as may be determined by the guidelines, directions and regulations issued by the PFRDA from time to time

e)The CRA will be responsible to maintain absolute confidentially of all records, data and information. CRA shall produce all this information as and when called for by PFRDA

f)The CRA will be responsible for timely transfer of subscriber contributions information, timely allocation of these funds by PFs, and accurately crediting and reporting allocation of units into each PRAN.


Main Features and Architecture of the New Pension System

The new pension system would be based on defined contributions. It will use the existing network of bank branches and post offices etc. to collect contributions. There will be seamless transfer of accumlations in case of change of employment and/or location. It will also offer a basket of investment choices and Fund managers. The new pension system will be voluntary.

The system would, however, be mandatory for new recruits to the Central Government service (except the armed forces). The monthly contribution would be 10 percent of the salary and DA to be paid by the employee and matched by the Central Government. However, there will be no contribution from the Government in respect of individuals who are not Government employees. The contributions and returns thereon would be deposited in a non-withdrawable pension account. The existing provisions of defined benefit pension and GPF would not be available to the new recruits in the central Government service.

In addition to the above pension account, each individual can have a voluntary tier-II withdrawable account at his option. Government will make no contribution into this account. These assets would be managed in the same manner as the pension. The accumlations in this account can be withdrawn anytime without assigning any reason.

Individuals can normally exit at or after age 60 years from the pension system. At exit, the individual would be required to invest at least 40 percent of pension wealth to purchase an annuity. In case of Government employees, the annuity should provide for pension for the lifetime of the employee and his dependent parents and his spouse at the time of retirement. The individual would receive a lump-sum of the remaining pension wealth, which she would be free to utilize in any manner. Individuals would have the flexibility to leave the pension system prior to age 60. However, in this case, the mandatory annuitisation would be 80% of the pension wealth.

There will be one or more central record keeping agency (CRA), several pension fund managers (PFMs) to choose from which will offer different categories of schemes.

The participating entities (PFMs, CRA etc.) would give out easily understood information about past performance & regular NAVs, so that the individual would able to make informed choices about which scheme to choose.



1.Application for Allotment of Permanent Retirement Account Number (PRAN) (Annexure S1)

2.Request for Activation of Tier-II account under New Pension System (NPS) (Annexure UOS-S10 )

3.Withdrawal form for Tier II account under NPS (AnnexureUOS-S12)

4.Covering Letter with Subscriber Registration Application Form – PAO (Annexure S6)

5.Covering letter for Subscriber Registration Application Form -DDO (Annexure S5)

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  1. says

    Sir i im Bapi Barmon i have PRAN number against pension account number 2012500500300426 . P.F NUMBER -03524814. IN N.F.RAILWAY.
    please send me the above feed back in this website.

  2. snehlata shrivastava says

    sir i had submitted my PRAN number form 10 months ago.
    My name is :- Snehlata Shrivastava
    i am working as a adhyapak….
    mob no :- 09424458530

  3. snehlata shrivastava says

    Sir I have submit my PRAN application before 10 months but i didn’t got my PRAn no .what happened.

  4. Rekhchandra prajapati says

    Rekhchandra prajapati
    Sir i had submitted my pran form before 6months but i have not got my pran number

  5. Lalit kumar mishra says

    Lalit kumar mishra
    Sir i had submitted my pran form before 6months but i have not got my pran number

  6. Rekhchandra prajapati says

    Rekhchandra prajapati
    Sir i am a Govt.schoolTeacher i had submitted my pran form before 6months 2 Times but i have not got my pran number

  7. sujit jaiswal says

    sir i was working in military engineer servive & i resigned from that service and give causes of resignation is my family problem & i got a new job at ordnance factory without information on them so which process i transfer my pran no at new job.can i apply at new card? if not please tell me process of this how to transfer or how to canceal my old pran card?please tell me as soon as possible thanking u


    I have applied for PRAN about five months ago, till date have not got my PRAN No., want to know it,s status

  9. Ritesh surana says

    Sir my name yamini soni adhyapak m g high secondary school jaora i have submit my pran application form before 7 month but i did not my pran no .

  10. says

    Myself Uday shankar kumar father’s name Bhuneshwar yadav DOB-06/10/1983 working at the post of junior engineer drawing (signal and telecommunication) in east central railway.I have submitted my pran application form before 5 month but i did not get my pran no yet.I want to know its status.

  11. R.Eswar Rao says

    I have submitted my PRAN application before 3 months bu t i didn’t get my PRAN card R.Eswar Rao, Agriculture Extension Officer, Nagayalanka

  12. mithlesh says

    sir my name name is mithlesh my deptt. is principal accounts office delhi.i have my pran card but lost my i-pin and T-pin. please i need some help of yous.

  13. Kangjam Kamala Devi says

    I have submitted Form S1 for obtaining the PRAN no. in the month of May, 2014 but till today I am not lucky enough, I just wonder why your department fail to provide an option to “search/status report”. If we can know what is the status of our application I will be better and very helpful.
    Again, you can sent sms to our given number when you receive our form.. come on do something….

  14. Rachna says

    sir i want to login in the account but it is replying wrong password but i am using right password which one is given by you

  15. devendra singh says

    Sir i had submitted my pran form before 1 months but i have not got my pran number

  16. Chandrashekhar Bhagavata says

    sir, i am working in forest dept in Karnataka state. i have got my pran number before last year(october-2012) but still ‘m not recieved my pran kit. further i submitted s2 form in the month of april-2014 but i still not got any reply or my prankit(pran no;111002701587)

  17. Ravindera Singh Thakur says

    Dear Plz Guide me…. If having Any Emergency… in that case can I Withdraw My hole Investment IF Yes than tell me how to do that…… If No…. what is indemnity

  18. mahu says

    Sir, I am a kerala govt employee. I wanted to knew about the requirments needed to get PRAN Number

  19. l.sunitha says

    sir i had applied pran scheme government my pran 110042845810 card has dispatched on 16th january,2013.wide ,postal RM178433982IN,to nodal office khammam, but not recieved card at office till date .please provide card bellow address.L.Sunitha,H.No.5-5-200/14,sambaniagar, 2nd line,

  20. Himansu kumar Sahu says

    I am a primary school teacher and I have applied for pran card from Block Education Office,Rengali,sambalpur Odisha and through district treasury sambalpur, odisha.How can I know the status of pran card

  21. says

    Waste of pran schemes permanent retirement account number…..same as pf account….wt about private sectors the govt helping only govt sectors.qhere as private sectors ideal…………

  22. says

    Sir, My name is Kavita Rai and I am contineously recieving a message regarding Value of investment in respect of NPS Tier I account (XX9718) but Ihave not recd any PRAN No. and NPS account No. My mobile no is 09893493014, Kindly look in to this matter and please inform me,

  23. Priyanka says

    Sir, lgot my pran no 110044024548 two month ago but my pension fund did not start yet tell me the next process

  24. ramesha yb says

    I am RAMEHSA YB, Lab asst working in NHSS PERDALA KASARAGOD KERALA Applied for PRAN 18-2-2014, my pen no is 711737 I have not received my pran so far Please inform the current position

  25. K.VANLALRUATA says


  26. Pankaj Kumar Pradhan says

    Sir I had submitted my pran application Form before 9 months on 31st march 2014 but I have not got my pran Number , what happened and suggest me how I shall get my pran Number please tell me as soon as possible
    Thanking you
    Pankaj Kumar Pradhan

  27. HemantKumar Gaunekar says

    sir, I had submitted my pran application form for last 2 years but I did not get Pran number but my deduct NSDL amount from the CPF. Kindly help us

  28. Sri Kshitish Kumar Sahoo says

    Sir,I deduct my CPF amount in my salary month wise ,but in my financial year 2013-14 statement one month Govt. contribution can’t be seen what’s the problem please tell me. PRAN No.110032955832 Name. KSHITISH KUMAR SAHOO .Mob.No.919238807788

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