How to Check NPS Balance?

What is the National Pension Scheme (NPS)?

The National Pension System (NPS) is a voluntary retirement savings framework that supports long-term financial security. The Pension Fund Regulatory and Development Authority (PFRDA) regulates the NPS. It operates on a defined contribution basis, where regular deposits are invested in a mix of equity, corporate bonds, and government securities to generate market-linked growth. NPS is available for both resident Indians and NRIs. It offers significant tax benefits, including deductions up to ₹1.5 lakh under Section 80CCD(1) within the overall 80C limit, an additional ₹50,000 under Section 80CCD(1B), and tax relief on employer contributions through Section 80CCD(2). 

NPS Calculator

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Expected Return from Pension

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60%

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How to Check NPS Balance

Subscribers can check their NPS balance across multiple online and offline channels. Here’s a complete step-by-step guide:

NPS Balance Check - Online Method

You can check NPS balance online through official CRA websites, the NPS Trust portal, bank net banking services, the UMANG mobile app, and periodic email statements. 

NPS Balance Check via CRA Websites (NSDL, Protean, KFintech)

The CRA portals are the primary source to access and manage NPS account details.

• Access the CRA Portal: Go to the official NPS CRA portal (Protean-CRA) and click on 'the Existing Subscriber' section.
• Initiate Login: Click on the option to 'Log in with PRAN/User ID' to proceed to the secure login page.
  Enter Credentials: Enter your Permanent Retirement Account Number (PRAN), your account password, and the required Captcha code.
• View Account Statement: After successfully logging in, navigate to the account menu and click on the 'Holding Statement' or 'Transaction Statement' to view your accumulated NPS balance and contribution details.

NPS Balance Check via NPS Trust Website

• Open Website: Visit the NPS Trust official portal.
• Click Login: Log in to your CRA portal using your PRAN and password. You can access this directly or via a redirect from the NPS Trust site.
• Enter Credentials: Log in using your Permanent Retirement Account Number (PRAN) and your Password (or IPIN).
• Authenticate: You may need to verify the login using a Captcha and sometimes an OTP sent to your registered mobile number/email.
• View Summary: Once logged in, your balance/corpus is typically displayed on the Dashboard or Account Summary page.
• Select Tier: Choose Tier I or Tier II.
• Detailed Statement: To see the full breakdown, navigate to the "Holding Statement" or "Transaction Statement" section. This will show your Tier I and Tier II holdings, contributions, and fund value.

NPS Balance Check via Net Banking

Many banks integrate NPS services within their net banking platforms for easy access.

• Login Bank Portal: Sign in to your net banking account.
• Navigate: Go to the Investment / NPS Services section.
• Select NPS: Click on National Pension System from the options.
• Choose Tier: Select NPS Tier I or Tier II.
• Open Statement: View portfolio, contributions, and balance.
• Download Statement: Choose the financial year/quarter and click Download Statement if required.

NPS Balance Check via UMANG Mobile App

The UMANG app allows mobile-based access to NPS accounts anytime.

• Install App: Download and install the UMANG app.
• Login: Sign in with your mobile number and OTP.
• Find NPS: Search for NPS under the services menu.
• Select Option: Tap Check Account Balance / Current Holdings.
• Choose Tier: Enter PRAN and password, then select Tier I or II.
• Check Balance: View balance, contributions, and investment summary on the app.

NPS Balance Check via Email Alerts

CRA periodically sends account statements via email to registered subscribers.

• Register Email: Ensure your email ID is updated with your CRA.
• Check Inbox: Look for emails containing NPS account statements.
• Download PDF: Open and download the statement attachment.
• Enter Password: Use the default password format (often DOB) to access.
• Review Statement: See contributions, NAV, and fund value.
• Save Copy: Keep the PDF for records and tax purposes.

NPS Balance Check - Offline Method

NPS balance can be checked via mobile-based offline services for users without internet access.

Steps for Missed Call:

• Dial Number: Give a missed call to 1800-210-0080 from your registered mobile.
• Disconnect: End the call after 1–2 rings.
• System Capture: Your registered mobile is identified.
• Auto Processing: Request is validated by the system.
• Receive SMS: Balance details are shared on your mobile.
• Save Info: Keep the message as proof for future reference.

Register For Missed Call Services: 

Follow these steps to register for the missed call service:

• Portal Login: Access the NPS CRA portal/App and log in with your PRAN/IPIN and password.
• Access Settings: Go to 'Profile Settings' in the menu.
• Register Mobile: Locate and register your mobile number for 'Missed Call Alerts'.

Steps for SMS:

• Open SMS App: Use your registered mobile number.
• Compose Message: Type in the keyword format as per CRA guidelines.
• Send SMS: Forward it to 9212993399.
• System Validation: Request is checked against your PRAN.
• Receive Reply: You will get an SMS with balance and contribution details.
• Verify Later: Cross-check with CRA or NPS Trust records for confirmation.

Benefits of National Pension Scheme (NPS)

The core benefits of the National Pension System (NPS) are:

• Flexibility: You can choose your investment mix across four asset classes and select/change your Pension Fund Manager (PFM).
• Tax Efficiency: Offers significant tax deductions under Sections 80C, 80CCD(1B), and 80CCD(2). Partial and final lump sum withdrawals (60%) are tax-free.
• Simplicity: Easy to open and manage, providing a unique and permanent PRAN for life.
• Portability: The account is fully portable across all jobs, sectors, and locations; your PRAN remains the same.
• Low Cost and Compounding: It is one of the lowest-cost pension products globally, maximizing the amount invested, which grows exponentially through compounding.
• Regulation: Prudentially regulated by PFRDA, ensuring a transparent and secure investment environment with regular monitoring.
• Online Access: Provides seamless online access for account opening, contributions, updates, and portfolio management via the CRA website or mobile app.

Eligibility Criteria to Open an NPS Account 

An individual is eligible to open an NPS account if they fulfill the following mandatory conditions:

• Citizenship: Must be a citizen of India
• Age: Must be between 18 and 70 years of age 
• KYC Compliance: Must comply with the Subscriber Registration Form (SRF) and mandatorily submit all required documents.
• Individual Account: NPS is strictly an individual pension account and cannot be opened on behalf of a third person.
• Exclusions: Hindu Undivided Families (HUFs) and Persons of Indian Origin (PIOs) are not eligible to subscribe to NPS.

Key Takeaways

Regularly checking your NPS balance is essential for effective retirement planning. You can easily stay informed about your savings and investment growth using several convenient methods. The most common include logging in to the respective Central Recordkeeping Agency website (like NSDL or Protean) or the official mobile app using your Permanent Retirement Account Number (PRAN). Alternatively, for a quick balance check, subscribers can use the UMANG app or the missed call/SMS service from their registered mobile number, and investors can also use an NPS calculator to project future retirement savings.