An applicant on completion of providing online his/her personal details as selected with Aadhar or PAN and subsequently getting authenticated from Aadhaar or PAN will be provided with an unique Acknowledgement Number for identification and future references. After the applicant fills in all the mandatory fields of the online application form and uploads his/her photograph (optional with Aadhaar) and signature, the applicant will be redirected for initiating payment of initial contribution through net banking or debit/credit card. An applicant who has opted to open his/her Individual Pension Account with Aadhaar will have the option to select the mode of payment (net banking or debit card or credit card) for making the initial contribution. An applicant who has opted to open the Individual Pension Account with PAN and KYC authentication by Bank will be required to make the payment of initial contribution though netbanking facility provided by the concerned bank selected in the online application form. For all successful online payments the applicant will be provided an online receipt and the Permanent Retirement Account Number (PRAN) generated thereafter. An SMS and email alert is also sent to the Subscriber.