NPS Login

How to Log In to Your NPS Account?

After registering for an NPS account, you will be given a unique Permanent Retirement Account Number (PRAN) and a password. These details enable you to securely log in to your account online, where you can easily manage your investments, monitor contributions, and stay updated on your retirement savings. You can access your eNPS account through the following channels:

• NSDL NPS Portal
• KFintech NPS Portal
• Internet Banking

1. NSDL NPS Portal

   Here is a simple step-by-step process to log in to your PRAN account securely:

   • Visit the NSDL eNPS website.
   • Click "Login with PRAN/iPIN".
   • Enter your PRAN and password.
   • Complete the captcha and click "Submit".
   • For First-Time Login:

   If signing in for the first time, you must create a fresh login password. Follow these steps:

   • Visit the NSDL eNPS portal.
   • Click on “Open your NPS Account/Contribute Online”
   • Click “Password for eNPS” to set up your new password.
   • Enter your PRAN, date of birth, and create a new password.
   • Complete the captcha and submit.
   • Enter the OTP sent to your registered mobile number to verify.

2. KFintech NPS Portal

   To log in to your NPS account using the KFintech portal, follow these clear and simple steps:

   • Go to the KFintech NPS portal.
   • Click “Login for existing subscribers”.
   • Enter your PRAN and password.
   • Click “Login” to access your account.

   For First-Time Login:

   If you're logging in for the first time, follow these steps to set your password and access your NPS account:

   • Go to the login page 
   • Click “Generate/reset password”.
   • Enter your PRAN, date of birth, and captcha.
   • Submit to receive an OTP on your registered mobile number.
   • Enter the OTP and set a new password.

3. Internet Banking

   To access your e-NPS account through internet banking, you must have an active NPS account and internet banking enabled with your bank. Once set up, you can easily manage your NPS details directly from your bank’s online portal.

   Here’s how to access your NPS account via internet banking:

   • Login to your bank’s internet banking portal with your credentials.
   • Locate and click the “NPS” or “Pension Services” section in the dashboard.
   • You can contribute, view account details, and manage investment options from there.

NPS Calculator

Your Age

Years

18 Years 59 Years

Enter Your Age

Monthly Investment

₹

₹500 ₹10L

Enter Investment Per Month

Expected Return on Investment

%

5% 15%

Expected Return on Investment

Percentage of Corpus Allocated for Pension

%

40% 100%

Enter Corpus Percentage

Expected Return from Pension

%

5% 15%

Enter Annuity Return

₹0

Your Monthly Pension

View Plans

₹0

Your Monthly Pension

View Plans Your Pension Calculation

Your Pension Calculation

Total Investment

Returns Earned

Maturity Amount

Maturity Amount split (Lumpsum & Pension)

60%

Lumpsum Amount

At the age of 60 Yrs

40%

Pension Wealth

At the age of 60 Yrs

View Plans

Documents Required to Register for e-NPS Login

To successfully register for your e-NPS account, you must provide the following complete documents:

• Valid identity proof for verification, like a PAN or Aadhaar card.
• A recent passport-sized photograph in the specified format.
• Proof of address, like a utility bill, passport, or bank statement, showing your current address.
• Bank details, including account number, IFSC code, and branch name for contributions and withdrawals.
• The nominee’s full details, with valid identity proof, and their relationship to you.

All documents should be clear, complete, and self-attested per registration guidelines.

Tax Benefits Under NPS

NPS offers three types of income tax deductions under the Income Tax Act. Each one applies under a specific section and serves a unique purpose.

1. Section 80CCD(1): Deduction on Employee's Own Contribution

   As a salaried individual, you can claim deductions up to 10% of your salary (Basic + DA). If self-employed, you're eligible for up to 20% of gross annual income. This benefit falls within the ₹1.5 lakh limit under Section 80CCD(1).

   Important Note:
   If you’ve already used the ₹1.5 lakh deduction limit through other investments, you won’t be able to claim the NPS contribution under Section 80CCD(1) unless you reduce those other contributions.

2. Section 80CCD(1B): Extra Deduction for NPS Subscribers

   You can claim an extra ₹50,000 deduction for NPS contributions, over and above the Section 80CCD(1) limit. This benefit is applicable to all NPS subscribers and helps increase your total deduction to ₹2 lakh annually.

3. Section 80CCD(2): Deduction for Employer’s NPS Contribution

   If your employer contributes to your NPS account, you can claim:

   • Up to 10% of your salary (Basic + DA) under the old tax regime.
   • Up to 14% under the new regime (for government employees).

   This deduction is in addition to the ₹1.5 lakh and ₹50,000 benefits mentioned above.

Conclusion

The NPS login system offers a secure and efficient way for you to take control of your retirement savings. By accessing your account online you can monitor your contributions, manage investments, and stay aligned with your financial goals. Combined with substantial tax benefits, NPS ensures a structured and rewarding path to retirement planning.