Many individuals may have unclaimed contributions under the National Pension System (NPS) in India, which can remain unclaimed for years but are not lost. The Pension Fund Regulatory and Development Authority (PFRDA) has established a recovery process that allows subscribers to reclaim their funds along with applicable interest. The Subscribers’ Pension Contribution Protection Account (SPCPA) serves as a safeguard for contributions that were not credited to a subscriber's Permanent Retirement Account Number (PRAN). Unclaimed contributions are transferred to this account after 7 years, while claims can be made up to 25 years after the transfer. To initiate a claim, subscribers must submit a prescribed form and proof of contribution, either directly to PFRDA or through designated Points of Presence (PoP). Understanding the components of the claim process—principal amount, interest, and potential compensation—is crucial for subscribers, especially those who may not be aware of missing contributions from older investments. Regularly reviewing investment records and initiating claims can help secure retirement savings and ensure effective long-term financial planning.