How to Check NPS Balance?

What is NPS?

The National Pension System (NPS) is a voluntary retirement savings framework that supports long-term financial security. The PFRDA (Pension Fund Regulatory and Development Authority) 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. The National Pension Scheme is open to Indian citizens, including NRIs, and offers tax benefits under the Income Tax Act. These include 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

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

How to Check NPS Balance via Different Channels?

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

How to Check NPS Balance Online?

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.

• Visit Portal: Go to the CRA website linked to your PRAN (NSDL, Protean, or KFintech).
• Subscriber Login: Select NPS Login with PRAN/IPIN.
• Enter Credentials: Provide your PRAN, IPIN (password), and captcha.
• Authenticate: Verify with the OTP sent to your registered mobile.
• Choose Account Tier: Select Tier I or II depending on the account you want to check.
• Check Balance: Go to Holding Statement / Transaction Statement and view your balance, contributions, and NAV.

NPS Balance Check via Trust Website

The NPS Trust portal offers consolidated access to subscriber account information.

• Open Website: Visit the NPS Trust official portal.
• Click Login: Select Subscriber Login.
• Enter Credentials: Provide your PRAN and password.
• Authenticate: Complete OTP verification if asked.
• Select Tier: Choose Tier I or Tier II.
• View Summary: Access the Account Summary to see balance, fund value, and contribution details.

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.

How to Check NPS Balance Offline?

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.

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.

Key Takeaways

The National Pension System (NPS) subscribers can check their account balance and contributions online and offline. These include CRA portals (NSDL, Protean, or KFintech), the NPS Trust website, the UMANG mobile app, the banks' net banking facilities, and offline options such as missed calls, SMS, and periodic email alerts. For general support, NPS Trust also provides a WhatsApp helpline. Once done with the balance information, investors can also use an NPS calculator to project future retirement savings.