How to Withdraw NPS Partial Withdrawal 2026

About This Guide

NPS Tier 1 allows partial withdrawal up to 25% of own contributions (not employer). Specific purposes only: child higher education, marriage, home purchase, critical illness, disability, self skill development. After 3 years contribution. Maximum 3 withdrawals during entire tenure (5-year gap between).

Eligibility Criteria

• NPS Tier 1 subscriber
• 3+ years contribution
• Specific purpose (higher education, marriage, home, illness, disability)
• Up to 25% of own contributions
• Max 3 withdrawals lifetime
• 5-year gap between withdrawals

Documents Required

Keep these documents ready before starting application. Missing documents = delayed approval.

• PRAN number
• Aadhaar
• Reason proof (admission letter, marriage card, hospital records, home purchase agreement)
• Bank passbook
• NPS withdrawal form (Form 601)
• Self-declaration of purpose

Step-by-Step Application Process

Follow these steps in order. Each step is critical - skip none.

Key Benefits

• Liquidity in emergencies
• Specific purpose flexibility
• Tax-free withdrawal (for specified purposes)
• Up to 25% available
• 3 lifetime withdrawals
• Helps major life events
• Doesn't exit scheme

What Happens After Application?

15-30 days for approval + DBT. Reason proof critical. Maintain account for retirement corpus.

Frequently Asked Questions

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