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NPS Login (National Pension Scheme) & Registration Process

Updated on: 16 Jan, 2024 05:49 PM

Check the NSDL NPS Login with Pran and Net Banking
NPS is a well-regulated pension scheme that accumulates the retirement corpus with a low-risk return. It is a government-sponsored scheme that helps lower the tax outgo up to 2 lakhs under section 80CCD(1) and section 80CCD(1B). Through NSDL NPS login with Pran, individuals can enjoy more transparency and portability in their retirement savings contributions. To learn how to do an NPS login, stay on this page for the next 6 minutes.

What is NPS?

The national pension system was introduced by the government of India and came into existence in January 2004. In the initial years, it was only applicable to government employees, however, after 5 years i.e in 2009, it was opened for all citizens of India irrespective of the sector in which they work. Through this scheme, the individual needs to contribute on a regular basis to his pension account, during his work life.
See the below image to take a brief of NPS (National Pension Scheme):

Age Up to the age of 70 Years
Investment Amount Minimum ₹ 500 Contribution
Returns(Interest rate) 9% to 12% pa
Tax Benefits ₹1.5 lakh exemption of Section 80CCD(1) + ₹50,000 under Section 80CCD(1b)

As shown in the above image, any individual who is aged between 18-70 years, can contribute in NPS. He can open his NPS accounts with a minimum of 500 rupees contribution. NPS is a low-cost investment scheme that doesn’t require heavy money to contribute. Whatever contribution you’ll make, offers safe and sufficient high returns as compared to returns of any traditional tax-saving scheme such as PPF, SIP, etc.
Note: Pay attention to selecting a fund manager who can efficiently divide your investment amount into bonds and equities. So that you’ll get a sizable return.

NPS Open (Online/Offline method)
There are two methods using which you can open an NPS account. One is an offline method and the second is an online method. Here are different ways using which a subscriber can open an NPS account online:
PRAN allocated NPS login with Pran:
Once a subscriber gets login into the NPS account successfully. It allows the NPS subscriber to access all the account information online. He can check the accumulated balance and other details related to his account.
Once he has been allotted a PRAN, post-completing the NPS account process, he can log in to his E- NPS account by using three different modes. In-depth steps are to be explained in the guide below.
Also, read on NPS Login Online (Using Net Banking/NSDL NSDL NPS login)


Who can open an NPS account in India?

NPS Login can be accessed by All Indian Citizens (including NRIs) between 18 - 70 years, whether they are residents or non-residents. They must comply with the KYC norms of NPS account opening. Furthermore, the Central Government made it mandatory for all Central Government employees to contribute to the National Pension System (NPS) effectively from January 1, 2004. So, all Central Government employees, by default, get this facility from January 1, 2004. Other than this, State Government employees, Central Government Autonomous Bodies (CABs), private employees, etc., can also join this scheme.


How to register an NPS Account?

There are two ways to open an NPS login -

  • Online
  • Offline

Steps to Open an NPS Account Online

  • Log on to the NPS Website. By clicking on
    https://enps.nsdl.com/eNPS/NationalPensionSystem.html. Read the guidelines thoroughly and click the tab for “National Pension System.”
    Log on to the NPS Website
  • Then click on the ‘registration’ tab.
    click on the registration
  • Enter your personal details, Aadhaar or PAN card number, choose the type of NPS account you want to invest in, and generate an OTP.
    Enter your personal details
  • Choose the pension fund manager.
  • You need to choose from the seven available options
  • Choose the investment mode and the investment mix/ratio.
    There are two modes:
    1. Auto mode: allocation of the equity changes with time.
    2. Active mode: You decide on the mix.
  • Choose a nominee.
    Choose a nominee
  • Assign the people who should get the corpus in case the nominee dies.
  • Upload your signature and photograph.
    Assign the people
  • Make the contribution post in which you will be allotted PRAN. A minimum amount of Rs. 500 is to be invested for Tier-I, and an amount of Rs.1000 is to be invested for Tier-II accounts.
  • Download the form, where you are unable to e-sign the form, fill in the dependencies, if any, and send it to the CRA office within three months from the date.

Steps to Open an NPS Account Offline

  • Individuals need to visit the nearest POP (Point of Presence) centre that is authorized by PFRDA (NPS regualtory authority)- a bank or a post office to open the NPS account.
  • Submit all his KYC documents, i.e., identity proof and residence (passport, Aadhaar card, ration card, voter ID, driving license, utility bills, etc.), along with the duly filled-up application form.
  • A registration fee of Rs. 125 needs to be paid by the individual.
  • On registration, you will be required to make the first investment. Once you have made your first investment, the POP centre will send you a PRAN.
  • In the welcome kit sent by the POP centre, the individual will receive his PRAN along with the password. You need both of these to operate your account.


How to do NPS Login?

Logging into the NPS account allows NPS account users to access their account online to check their accumulated balance and also all the other details related to their account.
Once you have been allotted the PRAN, post-creating the NPS account, you can login into your E- NPS account by using three different modes. Steps to be followed while using each mode have been explained below:

Through the NSDL NPS login with Pran

  1. Visit the NSDL Portal for NPS login.
    By clicking on https://enps.nsdl.com/eNPS/NationalPensionSystem.html
  2. Next, click on ‘Login using PRAN/IPIN.’.
  3. On the Login screen, enter the PRAN number and password. Enter the captcha and click on the ‘submit’ button.
  4. You can now access your E-NPS account.

Through Net Banking
E-NPS accounts can be accessed using the internet banking facility. Visit the portal of your bank. Login into your account using your internet banking id and password. Click on the NPS section to check all your details. Many of the activities related to your NPS login, like scheme selection, etc., can be done using internet banking.


Frequently Asked Questions

Q- How to get NPS login password?

PRAN (Permanent Retirement Account Number) is the user ID for NPS. Individuals need to fill in an application with all the details and submit it through online or offline mode, along with KYC documents. Post the allotment of PRAN. You can log on to the portal and generate your password.


Q- How to reset NPS password?

NPS subscribers who forgot their NPS password can reset it for a successful NPS login. See the steps:

  • Visit the official website for NSDL NPS login.
  • Click the Forgot Password tab.
  • Select the Instant Reset I-PIN tab.
  • Input the requisite details such as PRAN, Date of Birth.
  • Reset the New Password.


Q- Are IPIN and password the same for NPS?

The IPIN is a unique Internet Personal Identification Number given to NPS subscribers. It acts as an NPS password that is used to make an NPS login successful. In addition, IPIN serves the purpose of safely accessing a particular NPS account with the user's device. You can reset it using the OTP sent on the NPS registered mobile number.


Q- How can I check my NPS balance online?

The first step is to login into your NPS account using the CRA website (www.cra-nsdl.com). You need to then enter your USER ID and PASSWORD. After successfully logging in, click on the Transaction and then hold the statement. All the details of your accumulated NPS funds will be displayed.


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

PRAN (Permanent Retirement Account Number) is the user ID for NPS. Individuals need to fill in an application with all the details and submit it through online or offline mode, along with KYC documents. Post the allotment of PRAN. You can log on to the portal and generate your password.


Q- Can I have 2 PRAN numbers?

No, an individual is allowed to have only one PRAN. If under any circumstance, the individual has been allotted two PRANs accidentally, then he needs to generate a deactivation request for one PRAN to CRA.


Q- Which are the two different types of NPS accounts?

The two different types of NPS accounts are:

  1. Tier 1: It is a mandatory retirement account if you open the NPS account. Individuals will yield a tax deduction benefit of up to Rs. 2 Lakh per annum [ as per Section 80CCD(1) and 80CCD(1B). Premature withdrawal of the amount will be allowed as per the specified rules and conditions.
  2. Tier 2: It is a voluntary saving account that is associated with PRAN. Funds can be withdrawn at any particular time but to claim tax benefits, a minimum of a 3-year lock-in period is mandatory (for govt. employees).

Q- How can an NRI open an NPS account?

NRI subscribers should,

  • Select the Bank Account Status, i.e., Non-Repatriable account or Repatriable account
  • Provide the NRE/NRO bank account details and upload a scanned copy of the passport
  • Select the preferred address for communication, i.e., Overseas Address or Permanent Address (communication at an overseas address would entail extra charges)

Please refer to this link also once and add the relevant points:
https://enps.nsdl.com/eNPS/NationalPensionSystem.html#


Q- How to check your NPS balance through SMS?

To check your NPS balance, give a missed call from your registered mobile number at NPS to 9212993399. You will get an SMS at your NPS registered number regarding your pension corpus and account balance details.


CA Abhishek Soni
CA Abhishek Soni

Abhishek Soni is a Chartered Accountant by profession & entrepreneur by passion. He is the co-founder & CEO of Tax2Win.in. Tax2win is amongst the top 25 emerging startups of Asia and authorized ERI by the Income Tax Department. In the past, he worked in EY and comes with wide industry experience from telecom, retail to manufacturing to entertainment where he has handled various national and international assignments.