National Pension Scheme (NPS) Login 

NPS Login is a secure online platform that allows National Pension System (NPS) subscribers to access their NPS accounts. Once a subscriber is registered with the NPS , they are given a unique Permanent Retirement Account Number (PRAN) and a password to access their account. 

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What is the National Pension Scheme?

The National Pension Scheme (NPS) is a government-sponsored voluntary defined contribution pension system in India. The primary objective of NPS is to provide retirement income to the citizens of India. Under NPS, individuals can contribute to their retirement savings account during their working years. The accumulated savings can be withdrawn as a lump sum or a regular pension after retirement. The scheme is open to all citizens of India between the ages of 18 and 65.

National Pension Scheme Registration

The National Pension Scheme Registration is the process of enrolling in this scheme by filling out the National Pension System Registration Form. The form requires you to provide personal details, employment details, bank account details, nominee details, and choose an investment strategy. Once registered, you will receive a Permanent Retirement Account Number (PRAN), which you can use to access your NPS account. The NPS allows subscribers to accumulate savings during their working years and receive a pension after retirement. It is open to all Indian citizens, including government employees and the unorganized sector.

How to Fill out the NPS Registration Form?

  • Fill in your personal details, including your name, date of birth, PAN number, address, and contact information.

  • Provide the details of your nominee, who will receive the accumulated pension in case of your unfortunate demise.

  • Enter your current employment details, including your employer's name and address, employee ID, and monthly income.

  • Provide your bank account details to facilitate the transfer of your contributions and pension amounts.

  • Choose your investment strategy and the percentage of your contribution that you want to allocate to different asset classes, such as equity, corporate bonds, and government securities.

  • Sign the form and attach the required documents, such as a copy of your PAN card, address proof, and identity proof.

Filling out the National Pension System Registration Form is a simple process, provided you carefully follow the steps mentioned above. Ensure that you provide accurate information and choose the right investment strategy to secure your retirement savings.

Online vs. Offline Method of NPS Registration

  1. Online Method

    In order to commence a fresh NPS account, you need to provide the following details on your NPS registration document: 

    • Choose the National Pension Model (Central Government, State Government, Corporate, or Private Citizen)

    • Fill in personal and professional details (name, address, DOB, contact info, education, profession, income, etc.) in order to create an NPS login

    • Input bank account information (account number, bank name, branch, IFSC, MICR code, etc.)

    • Nominate a recipient for the amount in the event of your death. The NPS login will be passed on to them 

    • Choose an NPS account type: There are two types of NPS accounts – Tier I and Tier II. Tier I account is mandatory for all subscribers, and it is a non-withdrawable account that provides long-term retirement benefits. Tier II is an optional account that provides flexibility in withdrawals and can be opened only after opening a Tier I account.

    • Select a Pension Fund Manager (PFM): The next step is to select a Pension Fund Manager. NPS has eight PFMs appointed by the Pension Fund Regulatory and Development Authority (PFRDA), and subscribers can choose any one of them.

    • Choose the investment ratio for purchasing different securities by clicking on it.

    • Contribution: After the KYC process, the subscriber must contribute a minimum amount of Rs. 500 to activate the NPS account. Subscribers can make contributions through various modes, such as auto-debit, online payments, or cheque payments.

    After the contribution is made, the subscriber will receive an NPS account number and a Permanent Retirement Account Number (PRAN) card. The PRAN card is a unique identification number that enables subscribers to access their eNPS account online.

  2. Offline Method

    • Obtain the NPS registration form: The NPS registration form can be obtained from the nearest Point of Presence (POP) service provider or downloaded from the NPS website.

    • Fill out the form: Fill out the NPS registration form with accurate details, ensuring that all required fields are completed. The form will ask for basic personal details such as name, date of birth, gender, and contact information.

    • In order to register for NPS, you will need to submit a completed registration form along with a current photo and a check or demand draft for the initial contribution. These items should be taken to the closest NSDL office or PoP.

    • KYC verification: After submitting the form and documents, the Know Your Customer (KYC) process will be initiated, which is a mandatory step in NPS registration. The POP service provider will verify the submitted documents and complete the KYC process.

    Once the contribution is made, the subscriber will receive a Permanent Retirement Account Number (PRAN) card within 20 days of registration. The PRAN card is a unique identification number that enables subscribers to access their NPS account online.

NPS Login

Permanent Retirement Account Number (PRAN) has been allocated to you. You can log in to your E-NPS account through various channels like the NSDL NPS portal, through the KARVY portal, or your internet banking account. 

Using NSDL NPS Portal

Here is a step-by-step guide to help you with logging into your PRAN account: 

  • NSDL NPS Portal: The first channel to access your NPS account is through the NSDL NPS portal. Go to the eNPS - NSDL portal ( and click on the "Login" button on the right side of the page.

  • Enter PRAN and password: On the login page, enter your PRAN and password. If you have not yet created a password, click on the "Forgot Password" link and follow the steps to reset your password.

  • Enter Captcha: After entering your PRAN and password, enter the captcha code in the given field.

  • Select "Submit": Click on the "Submit" button to log in to your eNPS account.

In case you are logging into your account for the first time, you will be required to generate a new password by following the instructions provided below:

  • Go to

  • Select the "Open your NPS Account/Contribute Online" button

  • Click on the "Log in with PRAN/IPIN" button

  • Enter your PRAN and password to log in

  • Select the "Password for e NPS" link to generate a new password

  • Provide PRAN, date of birth, and the new password, confirm the password, and enter the captcha

  • Click on the "Submit" button

  • Enter the OTP received on your registered mobile number

  • Log in to your E-NPS account using your PRAN and new password

Using Karvy NPS Portal

Steps to log in to your NPS account through the Karvy portal:

  • Go to, the official Karvy NPS portal

  • Click on the "Login for existing subscribers" button

  • Enter your PRAN and Password on the login screen

  • Log in to your E-NPS account

The first time you sign in, it is required that you go through the following steps: -

  • Go to the NPS login screen and click on the "Click here to generate password/reset your password" option.

  • Enter your PRAN, birthdate, and captcha code.

  • Click on "Submit" to receive a verification code on your registered mobile number.

  • Enter the OTP code and proceed to change your password.

  • After changing your password, you can access your E-NPS account using the new password.

Using Internet Banking 

One of the easiest ways to access the e-NPS account is through internet banking.

To use the e-NPS account through internet banking, the individual must have an NPS account and be registered for internet banking with their bank. A lot of banks allow you to use online banking to access your e-NPS account.

The steps to access the e-NPS account through internet banking are as follows:

  • Log in to the bank's internet banking website 

  • Navigate to the section for NPS.

  • From there, you can manage all aspects of your NPS account, including contributions, scheme selections, and other tasks.

Using the eNPS account through internet banking has various benefits, including ease of use, 24x7 access, and the convenience of making transactions from the comfort of your home or office.

NPS Calculator 2023

The National Pension System Calculator is an online tool that enables individuals to estimate the lump sum and pension amount they could receive upon maturity of the NPS scheme. 

To calculate the estimated pension amount, check out the NPS calculator.

Benefits of NPS (National Pension Scheme) 

  • Tax Benefits: NPS offers tax benefits under various sections of the Income Tax Act. Investors can avail of tax deductions on their contributions to NPS, which helps them in saving their taxes.

  • Retirement Benefits: The NPS scheme is designed to provide a steady source of income to investors during their retirement years. The accumulated corpus is paid out to the investors as a pension at the time of their retirement.

  • Flexibility: NPS offers flexibility in terms of investment choices and contribution frequency. Investors can choose their own investment options and also decide how much and how often they want to contribute.

  • Low Cost: NPS's administrative charges are very low compared to other pension plans. This helps in maximizing the returns for investors.

  • Secure and Transparent: The NPS is a secure and transparent scheme as it is regulated by the Pension Fund Regulatory and Development Authority (PFRDA). The investments are managed by professional fund managers who are monitored by the PFRDA.

  • Portability: The NPS is a portable scheme, which means that an investor can continue with the scheme even if they change their job or location.


The National Pension System (NPS) Login is a secure online platform that enables NPS subscribers to access their NPS accounts easily. It offers a wide range of features, including checking account balances, viewing transaction details, and managing personal and contact information. By logging in to their accounts, subscribers can monitor their pension savings, track investment performance, and make informed decisions about their retirement planning. Overall, the NPS Login is an essential tool for NPS subscribers that offers a hassle-free and user-friendly experience for managing their retirement savings.


  • Q) What are the Tax benefits offered with NPS?

    Ans: Those who have a subscription to NPS are entitled to a tax advantage under Section 80 CCD (1), capped at Rs. 1.5 lakhs under Section 80 CCE. Furthermore, those subscribed to NPS can receive an added deduction of up to Rs. 50,000 by investing in a Tier I account, which is available exclusively under Section 80CCD (1B).
  • Q) Can I change my registered mobile number and email address through NPS Login?

    Ans: It is now possible to change your personal information, such as phone number and email address, through an online platform. To do so, you must first log in to your account using the login credentials provided by CRA and included in your PRAN Kit.
  • Q) What is NPS user ID and password?

    Ans: The unique identifier for NPS users is referred to as PRAN. In order to acquire this identifier, an application form must be completed and submitted, either electronically or manually, along with all necessary KYC documentation. Once you receive your PRAN, you can access the online portal and create your own password.
  • Q) Is NPS a good investment?

    Ans: NPS makes for a great retirement savings scheme.
  • Q) Is there any customer support available for NPS Login users?

    Ans: To get in touch with NSDL CRA (NPS Customer Care), dial (022) 2499 3499. Additionally, you may file your complaint through NSDL CRA's Central Grievance Management System (CGMS) or Karvy CRA's online registration.
  • Q) Can I access my NPS account through the mobile app?

    Ans: NSDL e-GOV offers the convenience of accessing your NPS account information through your phone, ensuring accessibility round the clock.
  • Q) What happens to NPS if I go abroad?

    Ans: The National Pension System (NPS) regulations are identical for both resident Indians and Non-Resident Indians (NRIs), implying that NRIs are also required to purchase an annuity plan with a minimum of 40% of their NPS savings upon retirement.

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^^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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