NPS India Login through an online portal helps Non-Resident Indians (NRIs) manage their National Pension System (NPS) with ease. Through this platform, NRIs can seamlessly track investments, make contributions, and plan for a secure retirement.
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NPS stands for National Pension System. It is a government-sponsored retirement savings scheme in India. NRIs, or Non-Resident Indians, can participate in the NPS to build a retirement corpus and avail of various tax benefits from their NPS investments.
NRIs can manage their NPS accounts online from anywhere in the world. You can open a pension account under NPS via eNPS using the following details-
Aadhaar Card; OR
PAN Card and bank account details
IMPORTANT NOTE:
NRIs can not open an NPS Tier 2 account through eNPS.
| Features | Details |
| Eligibility | - Open to resident citizens, NRIs, and PIOs aged 18-70. - Overseas Citizens of India (OCIs) are also eligible. |
| Source of Contributions | - NRE Account - NRO Account |
| Minimum Contribution | - Rs. 500 at account opening - Thereafter, Rs. 500 per contribution |
| 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: Subscriber selects asset classes and proportions - Auto Choice: Investment managed automatically based on subscriber's age profile |
| 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 | Nominee receives 100% of NPS pension wealth as a lump sum |
NRIs cannot directly login to the NPS portal using PRAN (Permanent Retirement Account Number) and IPIN (Investor PIN) like resident Indians. This is because account registration for NRIs is slightly different and does not involve IPIN generation.
However, an NRI can access their NPS account to view details and make contributions after resetting their password using their PRAN.
Step 1: Visit the official NPS login portals managed by NSDL or KFintech:
Step 2: Click on "Login with PRAN/Password." Since you don't have a password yet, click on the "Reset Password" link.
Step 3: Enter your PRAN, Date of Birth, and the CAPTCHA code.
Step 4: Click on "Submit," and you will receive a one-time password (OTP) on your registered mobile number.
Step 5: Enter the OTP and set a new password for your account.
Step 6: Now, you can log in using your PRAN and the newly created password.
Now, for the National Pension Scheme Login through PRAN and password, follow the steps mentioned below:
Click on the "Login" option.
Select "NRI" from the drop-down menu for user type.
Enter your Permanent Retirement Account Number (PRAN).
Provide your Date of Birth.
Enter the captcha code for verification.
Click on the "Submit" button.
You will receive an OTP (One-Time Password) on your registered mobile number.
Enter the OTP received on your mobile.
Click on the "Submit" button to complete the login process.
The NPS Calculator for NRIs helps Non-Resident Indians plan their retirement savings. It calculates how much they must invest in the National Pension System (NPS) to achieve their retirement goals.
By entering details like age, expected retirement age, current savings, and expected returns, NRIs can understand their future finances. This tool is valuable for NRIs as it helps them make informed decisions about their retirement planning.
Here are the documents required to join the NPS scheme for NRIs:
Duly Filled NPS Subscriber Registration Form
Copy of the Passport
Copy of the PAN Card.
Proof of Foreign Address
Cancelled Cheque from an NRE or NRO Account
Photograph and Signature
If you haven't set a password yet, you can use the "Reset Password" option on the login page.
Remember, you'll need your PRAN, date of birth, and a registered mobile number to receive a one-time password (OTP) for resetting the password.
Tax benefits: You can claim tax deductions under Section 80C of the Income Tax Act for contributions made to your NPS account.
Retirement planning: NPS helps you accumulate a retirement corpus over the long term.
Investment flexibility: You can choose your investment scheme and asset allocation within the NPS framework.
Repatriation of funds: Under certain conditions, NRIs can repatriate a portion of their NPS corpus upon maturity.
Visit the eNPS portal.
Choose the New Registration option.
Select Non-Resident Indian (NRI) as your applicant type.
Choose your preferred registration method (Aadhaar or PAN).
Provide the required details and complete the online registration.
*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
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
~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.
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