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NPS Login and Registration Process

If you want to apply for NPS, you need a PRAN.

You can get an application form at any of the Point of Presence-Service Providers (POP-SP). The form needs to be filled up and submitted at the POP-SP or at the NSDL website online. Your KYC documents, Aadhaar and PAN, also needs to be submitted along with the application form.

You need to pay Rs. 500 to open an account. A receipt number for your PRAN card will be issued to help track the PRAN card status. Once you receive the PRAN card, you need to open the Tier-1 and Tier-2 Account. While the Tier-1 account is retirement account and withdrawals can be only made on the subscriber reaching the age of 60, the Tier-2 account is a voluntary account where there are no restrictions on investment and withdrawal.

Your NPA balance can be checked online by logging on to the CRA (Central Record keeping Agency) site www.cra-nsdl.com. You need to submit your User ID and password. After logging in, select the transaction statement followed by the holding statement to check your NPS balance.

NPS Login Through

Logging in to your E-NPS is possible after the creation of the NPS account and allocation of PRAN. The different channels through which you can log in to your PRAN account are the NSDL NPS portal or the KARVY site or internet banking.

Through NSDL NPS Portal

There are two ways through which you can log in to your NSDL NPS portal. First, if you have already have a password. Second, if you have not created a password and are logging into your PRAN account for the first time.

Here are the steps to log in when you already have a password.

  • Go to the NSDL NPS portal npscra.nsdl.co.in.
  • The next step would be clicking on the button 'Open your NPS account or contribute online.'
  • You will then find a button 'Log in with PRAN/IPIN’, click on it.
  • A login screen will appear.
  • Enter your PRAN and password, followed by 'Submit' for accessing your E-NPS account. When you are logging in for the first time, a password will have to be created following the steps mentioned here.
  • You need to go the NSDL NPS official portal npscra.nsdl.co.in
  • The next step would be clicking on the button 'Open your NPS account or contribute online.'
  • You will then find a button that says 'Log in with PRAN/IPIN.'
  • The log in screen will then be displayed, and there will be a link called 'Password for eNPS.' You need to click on this for generating a new password.
  • You will need to provide information regarding your PRAN followed by your date of birth. Enter the new password and then confirm the password. After entering the captcha, you need to click on 'Submit.'
  • An OTP will be sent to your registered mobile number. There will be an empty field saying 'Enter OTP,' and you will have to key in the OTP here for confirmation of your new password.
  • Now that you have your PRAN and the new password, you can access your E-NPS account.

Through Karvy NPS Portal

  • You need to first go to the official Karvy NPS portal enps.karvy.com.
  • If you already have a password, then you will find an option 'Login using an existing password.' Here, you will need to enter your PRAN, password as well as a captcha. Then click on the 'login' button.
  • If you are logging in for the first time, you will find a link 'Click here to generate a password or to reset your password' on the login screen.
  • Once you click on the link, you will need to enter your PRAN, date of birth and captcha. When you click on the 'Submit' button, an OTP will be sent to your registered mobile number.
  • Enter the OTP in the blank field 'Enter OTP.'
  • You can now enter a new password.
  • After the new password is created, you can use it for accessing your E-NPS account.

Through Internet Banking

It is also possible to access your E-NPS account with internet banking. After visiting the portal of your particular bank, you will have to use your internet banking id and password to log in to your account. Find the NPS section for checking your details. All transactions related to your NPS, like selecting schemes, or any other activity can be performed through internet banking.

NPS Registration Through

You can register for NPS both online and offline.

Through the Online Method

To register for NPS and open a new account online, you will need to provide the following information.

  • There are different NPS models which are available, and you must ensure you select the right model. The various options are Central Government, State Government or an employee of the private sector.
  • Professional details relating to you such as your name, date of birth, address, contact details, profession, educational qualifications, income, and so on.
  • Bank account details, including account number, bank and branch details, MICR code, IFSC code, and so on.
  • Enter the details regarding the nominee who will receive the proceeds in the event of your death.
  • Open your Tier-2 account. Though it is voluntary, it is advisable to open one as it provides greater liquidity than the Tier-1 account. The Tier-1 Account is automatically opened when you register for NPS.
  • The next step would be the selection of your pension fund manager. You have to choose one fund manager from eight options.
  • Asset allocation is the final step. Here you need to choose the ratio in which you would like to invest in equity, corporate debt, government securities, or alternate investment funds. You have the flexibility of changing the allocation later when you are at a different stage of your life.

Through Offline Method

You need to fill up the registration form. Make sure to select the applicant category from the four options: Government Sector, Corporate Sector, All citizen model, or NPS Life.

The next section is the personal details section where you need to enter data like your name, gender, and date of birth. The identity details section will require details regarding either your PAN, Aadhaar, Voter id, or passport. The permanent address details and contact details must be accurately provided.

You will then have to provide details of your nominee, NPS options (Tier II account), Pension Fund Selection, and Investment option (active or auto choice), asset allocation. The declaration section needs to be filled up by your employer for government or corporate employees. The POP-SP fills up details for both general citizens and corporate employees.

FAQs on NPS Login and Registration Process

How do I log into my NPS account?

To log into your NPS account, you need to have your PRAN. Once you have the PRAN, you can log onto the NSDL NPS portal or Karvy NPS portal.

If you are logging in for the first time, you will require a password. You need to click on the option which helps you generate a password. This one-time password or OTP will be sent to your mobile phone. Once you enter your PRAN, OTP and captcha, you can access your NPS details through both sites.

Once you have generated the password, you can access your NPS details anytime by just providing your PRAN, password and captcha.

Can NPS account be opened online?

Yes, you can open the NPS account online. You can open your account either with NSDL, NPS portal or Karvy NPS portal. The procedure for opening your E-NPS account is as follows.

  • Fill up the application form online for the generation of your PRAN. You need to provide all your personal and professional information and your employment category. You must state whether you want the Tier-2 account or not. Please ensure that all details filled in are accurate and match the KYC documents, Aadhaar and PAN, which need to be submitted along with the application. Once this step is completed, after a certain period of time, you will get your PRAN.
  • Once you get your PRAN, you can log into any of the above portals. If you are logging in for the first time, the password will need to be generated. Once the password is generated, you can log into your E-NPS account online using your PRAN, password and captcha.
  • You will need to deposit Rs. 500 to activate your account and your minimum annual contribution is Rs. 6000.
  • As Tier-1 is the retirement account, withdrawals are difficult. For liquidity reasons, it is advisable to have a Tier-2 account.

How can I apply for SBI NPS online?

To apply for NPS through SBI, you need to visit the online portal onlinesbi.com. You will find a button 'NPS registration' under the 'e-services' menu. You need to click on this.

Just like the other online registration options, you will need to fill up the application form for PRAN. Once your PRAN is generated, you need a password to access your E-NPS.

You can log on to the portal using your PRAN, password and captcha and find out the latest balance in your NPS account.

Who contributes to NPS?

As far as contribution to NPS is concerned, it is made by both the employer and the employee.

The contribution made by the employer for Central government employees has recently been increased from 10% to 14% of the basic salary.

The contribution by the employee remains at 10% of the basic salary.

There is no limit as far as employer contribution is concerned in the corporate category, but tax benefit is available only up to 10% of your salary .

How do I get a user ID and password for NPS?

The user ID for NPS is called PRAN. To obtain the user ID, you need to fill up an application form providing all relevant details and submit it, either online or offline with your KYC documents. Once you get your ID, you can log on to the online portal and generate your password.

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