Harendra Zatakia, certified financial planner, agrees, saying, “PFRDA’s revised CRA charge structure, effective October 2025, is a welcome move for private-sector NPS, UPS, APY and NPS-Vatsalya subscribers. Accounts having Nil balance need not pay anything, while any positive balance, starting from Re 1 will attracts an annual fee. Higher balances face only modest, capped charges, keeping costs fair and predictable. This clear, transparent system encourages wider pension participation and supports the scheme’s long-term sustainability without materially affecting returns.”
