Also, if your service period is more than 5 years, then irrespective of PAN update, TDS is not applicable. In your case, as the provident fund amount is less than Rs50,000, TDS is not applicable. Prima facie, considering your financial goals and income, risk capacity appears to be in order. —Kr Gaurab HarichandanNPS Tier-1 is the prerequisite for opening a Tier-2 account. The Tier-2 account is a voluntary contribution scheme and hence has this flexibility.

Source: Mint March 13, 2018 12:11 UTC