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Showing posts from December, 2025

My Experience with KFintech CRA

In one of my other articles, I discussed some of the lesser-known changes that come with moving from an All Citizen NPS account to Corporate NPS. One of those changes is the possibility of being moved to a different Central Recordkeeping Agency (CRA). When I enrolled in my employer's NPS program, my NPS account was migrated from Protean CRA (formerly NSDL CRA) to KFintech CRA. At that point, I had already been investing in NPS for nearly 6 years and had become quite familiar with the ecosystem. Unfortunately, my experience with the migration and the new CRA has been far from smooth. Support Process That Creates More Work The first thing I noticed was the support experience. Creating and tracking grievances is unnecessarily complicated. The portal itself is difficult to navigate and often behaves unpredictably. Attachments uploaded while raising grievances don't appear when tracking the issue later. Even more frustrating was the quality of responses. Whether through email, phone...