Accessing your National Pension System (NPS) account is now simpler and more convenient with the NPS Login. It allows you to manage your contributions, track investments, and efficiently plan your retirement online from anywhere in the world.
The National Pension Scheme (NPS) is a government-backed voluntary pension initiative designed to provide a steady income post-retirement. It is open to Indian residents, Non-Resident Indians (NRIs), and Persons of Indian Origin (PIOs).
Key Features:
Contributions: Invest during your earning years in market-linked funds of your choice.
Pension Benefits: Withdraw up to 60% of the corpus as a lump sum at retirement. The remaining 40% is used for an annuity, ensuring regular pension income.
Key Highlights of the NPS Account
Account Type: Voluntary, Long-Term Investment Plan for Retirement
Eligibility: Open to NRI citizens with a PAN Card.
Entry Age: 18 – 70 years
Minimum Contribution:
Tier I Account (contribute at least once per year)
Rs. 500 at account opening
Thereafter, Rs. 500 per contribution
Rs. 1,000 annually
Investment Options: Diversified across Equity (E), Corporate Bonds (C), Government Securities (G), Choice of investment mix (E, C, G) based on risk appetite.
Fund Management Options: Active Choice or Auto Choice (same as resident Indian citizens)
Exit Rules at Age 60:
Minimum 40% annuitization
Maximum 60% lump sum withdrawal
Option to defer lump sum and annuity purchase
Extension Option till Age 70: Allowed with fresh contributions, annuity and lump sum withdrawal deferral options.
Early Exit Before Age 60:
Minimum 80% annuitization
Maximum 20% lump sum withdrawal
Complete withdrawal if corpus < Rs. 1 lakh
Death of Subscriber: Nominees receive 100% of NPS pension wealth as a lump sum.
Tax Benefits:
Up to ₹1.5 lakh deduction under Section 80C for Tier I contributions.
Additional deduction of up to ₹50,000 under Section 80CCD(1) for Tier I contributions.
Up to 25% of Tier I corpus withdrawn at maturity is tax-free.
Benefits of NPS for NRIs
Eligibility: Open to NRIs aged 18–70 years.
Dual Investment Options: Tier I (mandatory, with tax benefits) and Tier II (optional, for flexible savings).
Customised Investments: Choose from equity, corporate bonds, and government securities or let the system manage investments based on your age.
Retirement Flexibility: Extend contributions till 70 years or withdraw early with specific conditions.
NPS Login Methods
NRIs can access their NPS accounts seamlessly via multiple platforms:
NSDL NPS Portal:
Visit NSDL NPS Porta (https://enps.nsdl.com/eNPS/NationalPensionSystem.html)l.
Use your PRAN and password to log in. First-time users can reset their password using their PRAN, birthdate, and registered mobile OTP.
KFintech NPS Portal:
Go to KFintech NPS Portal (https://nps.kfintech.com/).
Login with PRAN and password. Follow a simple process for first-time password setup.
Internet Banking:
Access the NPS section of your bank’s internet banking platform.
Manage contributions, schemes, and account details easily.
Documents for NPS Registration
NRIs can register using either Aadhaar or PAN:
Using Aadhaar:
Aadhaar number linked to a registered mobile number.
Scanned signature in JPEG format.
Using PAN Card:
PAN card details and KYC-compliant bank account.
Self-attested copies of ID proof, address proof, and photograph.
NPS Calculator 2025
The National Pension Scheme Calculator is an online tool that helps you estimate the lump sum and pension amount you could receive upon maturity of the NPS scheme. You can use the NPS Calculator to better understand how your contributions can grow over time and plan your retirement accordingly.
Conclusion
The NPS Login offers NRIs a secure and user-friendly platform to manage their retirement savings. It provides real-time updates on your contributions, enables informed investment decisions, and ensures peace of mind as you plan for a financially stable future.
FAQs
How do I log in to my NPS account as an NRI?
You can log in to your NPS account by visiting the official NSDL or KFintech NPS portal. Enter your PRAN (Permanent Retirement Account Number) and password or use OTP authentication linked to your registered mobile number.
What should I do if I forget my NPS login password?
If you forget your NPS login password, click on the Forgot Password link on the login page. Follow the steps to reset your password using your PRAN and the OTP sent to your registered mobile number.
Can I change my NPS login password?
Yes, NRIs can change their password anytime after logging in. Navigate to the Change Password option in your account settings to update it.
What should I do if my NPS account is locked?
If your e-NPS account is locked due to multiple incorrect login attempts, contact the NPS customer service or the Central Recordkeeping Agency (CRA). Alternatively, you can unlock it by submitting the UOS-S10-A form to your Point of Presence-Service Provider (POP-SP).
How can I update my contact details in my NPS account?
To update your contact details (such as email, mobile number, or address), log in to your NPS account. Visit the Update Profile section and make the necessary changes. Ensure your updated mobile number is accessible internationally for OTP verification.
Can I access my NPS account through a mobile app?
Yes, the NPS by NSDL e-Gov app is available for Android and iOS users, including NRIs. It allows you to access your account, track contributions, and update details on the go.
What are the common login issues faced by NRIs and how can they be resolved?
Common issues include incorrect PRAN or password entry, expired passwords, and locked accounts. Ensure you:
Use the correct login credentials.
Reset your password if expired.
Contact customer support if your account is locked.
Is it safe for NRIs to access NPS accounts online?
Yes, online access is safe if you follow essential security practices:
Use a strong password.
Avoid sharing login details.
Access the account from a secure device.
How often should NRIs log into their NPS accounts?
It is recommended to log in at least once a month to monitor contributions, check investment performance, and ensure your details are up to date.
Is there a separate login for Tier-I and Tier-II NPS accounts for NRIs?
No, NRIs use a single login for both Tier-I and Tier-II accounts. Once logged in, you can view and manage details for both tiers conveniently.
*All savings are provided by the insurer as per the IRDAI approved insurance
plan. *Tax benefit is subject to changes in tax laws. Standard T&C Apply
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in Disclaimer: # The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 2 Cr. is for a 30 year old healthy individual investing Rs 18,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: 1,06,79,507 @ CAGR 4%; 2,12,15,817 @ CAGR 8%. All plans listed here are of insurance companies’ funds. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds. ++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
