🏦 NPS Exit & Withdrawal — PFRDA Amendment Regulations, 2025
ગુજરાત સરકાર • નાણા વિભાગ • પરિપત્ર તા. 03-06-2026
ગુજરાત નાણા વિભાગે PFRDAના Exit and Withdrawals under NPS (Amendment) Regulations, 2025 તરફ ધ્યાન દોરી સંબંધિત કચેરીઓ/કર્મચારીઓને જરૂરી કાર્યવાહી માટે મોકલ્યા છે. સુધારામાં Government Sector subscriberના retirement, resignation/removal, death, deferment અને partial withdrawal માટેના નિયમોમાં મહત્વના ફેરફારો છે.
Government Sector — Retirement / Superannuation
Resignation / Dismissal / Removal
Death before Superannuation
Government-sector subscriber superannuation પહેલાં મૃત્યુ પામે તો સામાન્ય rule હેઠળ ઓછામાં ઓછું 80% default annuity અને balance nominee/legal heirને prescribed mannerમાં મળે છે. Corpus ≤ ₹8 લાખ હોય તો 100% withdrawalનો વિકલ્પ; ₹8 લાખથી વધુ અને ₹12 લાખથી ઓછું હોય તો ₹6 લાખ સુધી lump sum તથા balance માટે prescribed periodic/annuity options ઉપલબ્ધ છે.
Partial Withdrawal — 25% Rule
Missing Subscriber — Interim Relief
Missing અને presumed-dead cases માટે nominee/legal heirને accumulated pension wealthના 20% interim reliefની જોગવાઈ છે; બાકી 80% invested રહે છે અને Bharatiya Sakshya Adhiniyam, 2023 મુજબ presumed-death determination પછી settlement થાય છે, subject to prescribed documents/process.
Quick Reference — Government NPS
| પરિસ્થિતિ | મુખ્ય જોગવાઈ |
|---|---|
| Retirement corpus ≤ ₹8L | 100% withdrawal option |
| Retirement > ₹8L ≤ ₹12L | ₹6L સુધી lump sum; balance prescribed route |
| Retirement > ₹12L | 60% સુધી lump sum; ≥40% annuity |
| Resignation/removal corpus ≤ ₹5L | 100% withdrawal option |
| Other resignation/removal | ≥80% annuity; balance prescribed withdrawal |
| Partial withdrawal | Own contribution આધારિત 25% સુધી, prescribed conditions |
| Deferment | Annuity/lump sum 85 વર્ષની ઉંમર સુધી defer કરી શકાય |
FAQ
Retirement સમયે ₹8 લાખ સુધી corpus હોય તો શું?
Amended Regulation 3 મુજબ Government-sector subscriberને સમગ્ર accumulated pension wealth withdraw કરવાનો વિકલ્પ છે.
NPSમાંથી retirement પછી તરત exit ફરજિયાત છે?
ના. Amendment મુજબ Government-sector subscriber exit choice exercise ન કરે ત્યાં સુધી 85 વર્ષની ઉંમર સુધી NPSમાં રહી શકે છે.
Partial withdrawal કેટલી વખત?
60 વર્ષ/retirement પહેલાં — જે પછી આવે ત્યાં સુધી — maximum 4 withdrawals અને successive withdrawals વચ્ચે minimum 4 years gapની જોગવાઈ છે; ત્યારબાદ ચાલુ NPS માટે minimum 3-year gap લાગુ પડે છે.
PFRDA Exit & Withdrawal Framework 2025
🏦 NPS Exit & Withdrawal — PFRDA Amendment Regulations, 2025
Government of Gujarat • Finance Department • Circular dated 03-06-2026
The Gujarat Finance Department circulated the PFRDA Exits and Withdrawals under NPS (Amendment) Regulations, 2025 for necessary action. The amendments materially address retirement, resignation/removal, death, deferment and partial withdrawals for Government Sector subscribers.
Government Sector — Retirement / Superannuation
Resignation / Dismissal / Removal
Death before Superannuation
If a Government-sector subscriber dies before superannuation, the general rule uses at least 80% for default annuity and the balance is paid to nominee/legal heir through prescribed modes. For corpus ≤ ₹8 lakh, 100% withdrawal is an option; where it is above ₹8 lakh but below ₹12 lakh, up to ₹6 lakh may be taken as lump sum with prescribed periodic/annuity options for the balance.
Partial Withdrawal — 25% Rule
Missing Subscriber — Interim Relief
For missing and presumed-dead cases, the amendment provides 20% interim relief to nominee/legal heir; the remaining 80% stays invested and is settled after determination of presumed death under the Bharatiya Sakshya Adhiniyam, 2023, subject to the prescribed process and documents.
Quick Reference — Government NPS
| Scenario | Key provision |
|---|---|
| Retirement corpus ≤ ₹8L | 100% withdrawal option |
| Retirement > ₹8L ≤ ₹12L | Up to ₹6L lump sum; balance through prescribed route |
| Retirement > ₹12L | Up to 60% lump sum; ≥40% annuity |
| Resignation/removal corpus ≤ ₹5L | 100% withdrawal option |
| Other resignation/removal | ≥80% annuity; balance prescribed withdrawal |
| Partial withdrawal | Up to 25% linked to own contribution, subject to prescribed conditions |
| Deferment | Annuity/lump sum may be deferred up to age 85 |
FAQ
What if retirement corpus is up to ₹8 lakh?
Under amended Regulation 3, a Government-sector subscriber has the option to withdraw the entire accumulated pension wealth.
Is immediate NPS exit mandatory after retirement?
No. Under the amendment, a Government-sector subscriber may remain in NPS up to age 85 until the exit choice is exercised.
How many partial withdrawals?
Before age 60/retirement, whichever is later, the amendment permits up to four withdrawals with a minimum four-year gap; for continuation thereafter, a minimum three-year gap applies.
NPSમાંથી નિવૃત્તિ સમયે કેટલા રૂપિયા ઉપાડી શકાય? | નવા NPS Exit Rules 2025, NPS Exit Withdrawal Rules 2025 | ₹8 લાખ સુધી 100% Withdrawal, nps-exit-withdrawal-rules-2025-government-employees, PFRDA NPS Exit and Withdrawal Amendment Regulations 2025 મુજબ સરકારી કર્મચારી માટે retirement, 100% withdrawal, ₹8 લાખ અને ₹12 લાખ limit, 40% annuity, resignation અને partial withdrawalના નવા નિયમો, NPS Withdrawal Rules 2025, NPS Exit Rules, NPS 100% Withdrawal, NPS 8 Lakh Rule, NPS 12 Lakh Rule, Government Employee NPS, NPS Annuity 40%, NPS Partial Withdrawal, NPS, PFRDA, Pension, Retirement, NPS Withdrawal, NPS Exit, Government Employee, Finance Department, Gujarat Government, NPS Exit & Withdrawal Rules 2025 | Government Employees, New NPS Withdrawal Rules 2025 | ₹8 Lakh, ₹12 Lakh & 40% Annuity, new-nps-exit-withdrawal-rules-2025-pfrda, Understand PFRDA NPS Exit and Withdrawal Amendment Regulations 2025 covering 100% withdrawal up to ₹8 lakh, annuity rules, resignation, death, deferment and partial withdrawals., Under the amended 2025 NPS exit regulations, a Government-sector subscriber retiring with accumulated pension wealth up to ₹8 lakh has the option of withdrawing the entire corpus. For corpus above ₹12 lakh, the normal retirement framework provides up to 60% as lump sum and at least 40% for annuity.
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