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:

• Protean eGov Technologies NPS Portal (formerly NSDL)
• KFintech NPS Portal
• Internet Banking
• CAMS CRA Portal

1. Protean eGov Technologies NPS Portal (Formerly NSDL)

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

   • Visit the Protean eNPS website.
   • Click "Login with PRAN/iPIN".
   • Enter your PRAN and password.
   • Complete the captcha verification and click "Submit."

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

   • Visit the NSDL eNPS portal.
   • Enter your PRAN, date of birth, and set 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. CAMS CRA Portal

   You can also access your NPS account through the CAMS CRA (Central Recordkeeping Agency) portal, which supports eNPS services for subscribers.

   To log in through CAMS:

   • Visit the official CAMS NPS portal.
   • Select the option for Existing Subscriber / Login.
   • Enter your PRAN and password, complete the captcha, and submit.
   • Once logged in, you can view account details, contribution history, and statements.

   First-Time Login:

   If you are logging in for the first time:

   • Click Generate/Reset Password on the login page.
   • Enter your PRAN, date of birth, and captcha.
   • Verify the OTP sent to your registered mobile number.
   • Set a new password and use it for future logins.

   The overall login process on CAMS is similar to other CRA portals, such as Protean and KFintech.

4. 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.
   • Access is available only through select banks that support NPS services.

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:

• Proof of identity: PAN card, Aadhaar card, passport, voter ID, or driving licence.
• Proof of address: Utility bill, bank statement, passport, or other valid address proof.
• Recent passport-sized photograph: Uploaded digitally during registration.
• Bank account details: Account number, IFSC code, and branch details for contributions and auto-debit setup.
• Nominee details: Name, date of birth, relationship, and contact information of the nominee.

Note:

• Separate identity proof for nominees is not mandatory in most cases, unless specifically requested by the CRA or Point of Presence.
• Additional KYC documents may be required if your records are incomplete or need verification.
• OTP and e-authentication are generally required during online registration.

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. Deductions under Section 80CCD(1) are subject to the overall ₹1.5 lakh limit under Section 80CCE and are available to both salaried and self-employed individuals.

   Important Note:
   If you have already exhausted the ₹1.5 lakh limit under Section 80CCE through other investments such as PPF, ELSS, or life insurance, 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 additional deduction of up to ₹50,000 under Section 80CCD(1B), over and above the ₹1.5 lakh limit under Section 80CCE.

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 salary (Basic + DA) for private-sector employees
   • Up to 14% of salary (Basic + DA) if the Central Government makes the contribution

   This deduction is over and above the ₹1.5 lakh (Section 80CCE) and ₹50,000 (Section 80CCD(1B)) limits.

Conclusion

The NPS login system makes it easy and secure to manage your retirement savings online. With access to your account, you can track contributions, review investments, and make informed decisions as your financial goals evolve. Along with meaningful tax benefits, NPS provides a disciplined and reliable approach to long-term retirement planning.