If you face any issues related to your Atal Pension Yojana (APY) account, such as missed contributions, incorrect deductions, nominee updates, or account deactivation, there are multiple ways to resolve them. This guide outlines the grievance redressal process and how you can contact APY customer support for quick resolution.

Common Issues Faced by Atal Pension Yojna Subscribers

• Missed or incorrect deductions from the bank account
• Failure of auto-debit for contributions
• Delay in account activation or nominee updates
• Inaccurate pension account statements
• Problems with withdrawal or premature exit

Steps to Raise an APY Complaint

1. Contact Your Bank First

• Visit your bank branch where you enrolled for APY.
• Speak to the APY officer and explain the issue.
• Fill out a grievance redressal form if necessary.

2. Lodge a Complaint with the NPS/APY Grievance Cell

If the issue is unresolved at the bank level, you can escalate it to PFRDA (Pension Fund Regulatory and Development Authority):

• Online Complaint Portal:
  • Visit the Central Grievance Management System (CGMS) at www.npscra.nsdl.co.in.
  • Click on ‘Lodge a Grievance’ under the APY section.
  • Enter your PRAN (Permanent Retirement Account Number) and issue details.
  • Submit the complaint and track it using the reference number provided.
• Via Email:
  • Send a detailed email explaining the grievance to grievance@npscra.nsdl.co.in.
• Via Toll-Free Helpline:
  • Call the NSDL-CRA APY Helpline at 1800-110-708.
  • Provide your PRAN and other details to the support team.

3. Escalate to PFRDA Ombudsman (If Required)

• If your complaint is not resolved within 30 days, escalate it to the PFRDA Ombudsman by:
  • Writing to: Pension Fund Regulatory and Development Authority (PFRDA), New Delhi.
  • Submitting a written appeal with previous complaint details and responses received.

How to Track Your Grievance Status?

• Log in to www.npscra.nsdl.co.in and use your reference number to check complaint status.
• Call the APY customer care number and ask for an update.
• If you filed a complaint via email, follow up within 7-10 working days.

Tips for Quick Resolution

• Keep a record of transaction details, emails, and bank receipts related to the issue.
• Ensure your registered mobile number is updated in APY to receive alerts.
• Always check your APY contribution history using bank statements or online banking.

Conclusion

The Atal Pension Yojana grievance redressal system ensures that subscriber issues are resolved promptly. Whether through your bank, NSDL-CRA, or PFRDA, you have multiple ways to escalate and resolve APY-related concerns.