NPS or the National Pension Scheme is the government of India’s retirement benefits scheme that facilitates a regular income to all its subscribers after their retirement. The NPS is governed by the Pension Fund Regulatory and Development Authority (PFRDA). NPS offers a reliable income source once you retire. Additionally, it helps create corpus for your post retirement life and also offers significant tax benefits.
See also: All about NPS partial withdrawal rule
What is National Pension System?
While previously, in India, only government employees could avail of a pension facility to support themselves after retirement, with the NPS, a long-term investment plan, even the private sector employees and self-employed people can avail pension from the government of India.
People of the age group 18-65 years can open a National Pension Scheme login (NPS login) account and benefit from this NPS scheme. For opening an account with NPS, you need to have a PAN card, Aadhaar card and bank details for which KYC will be done. Before you proceed with the National Pension Scheme login or NPS login, you have to register for the NPS.
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NPS login registration: Steps to follow
You have the option to register with the NPS via both, offline and online modes for proceeding with NPS login.
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Offline National Pension Scheme registration
For this, you have to first fill the NPS registration form and attach with your recent passport size photograph. This NPS form, along with and a demand draft or cheque of your first contribution, should be submitted at the nearest National Securities Depository Limited (NSDL) or the Points of Presence (PoP). On submission of your NPS registration form, you will get a Permanent Retirement Account Number (PRAN). The permanent retirement account number login is your unique NPS identity number, which is necessary for every transaction that you will do in your NPS account. You can download the NPS registration form from https://www.npscra.nsdl.co.in/download/government-sector/central-government/forms/CSRF_Subscriber_Registration_Form.pdf
How to do National Pension Scheme login?
www.npscra.nsdl.co.in online registration will help in NPS login. For that first furnish the following details:
- The NPS model – central government, state government, corporate or private citizen – that you are applying for.
- Your personal and professional details, including name, address, contact details, date of birth, educational qualifications, professional qualifications and annual income.
- Bank account details that will be linked with your NPS account.
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- For the Tier-1 account, which is a primary account and opens by default, you have to pay Rs 500 as initial money and at least Rs 1,000 every financial year.
- For the Tier-2 account, the initial money to be deposited is Rs 1,000. This allows you to transfer money to your Tier-1 account and withdraw money from your Tier-2 account anytime.
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- Nominee for your NPS account.
- Select one pension fund manager who will manage your NPS account from the eight available options.
- Choose the ratio in which you want to invest in the various mentioned securities. There are two options for subscribers:
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- Auto choice
- Active
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Investment is done by choosing the ratio of the securities – ECG for NPS where ‘E’ stands for Equity, ‘C’ stands for Corporate Bonds and ‘G’ stands for Government Securities and depends on a person’s age.
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NPS login registration: Auto choice
| Auto choice | Age | Equity exposure |
| Aggressive | Up to 35 years | Maximum equity exposure is 75% |
| Moderate | Up to 35 years | Maximum equity exposure is 50% |
| Conservative | Up to 35 years | Maximum equity exposure is 25% |
NPS login registration: Active choice
| Age | Maximum equity allocation |
| Up to 50 years | 75% |
| 51 | 72.50% |
| 52 | 70% |
| 53 | 67.50% |
| 54 | 65% |
| 55 | 62.5% |
| 56 | 60% |
| 57 | 57.5% |
| 58 | 55% |
| 59 | 52.5% |
| 60 and above | 50% |
See also: All about GPRA full form and E sampada
NPS login: Steps to follow
Once registered, you can access your NPS login in three ways:
NPS login through NSDL NPS portal
To proceed with your NPS login, visit www.npscra.nsdl.co.in
Click on ‘Open your NPS account/ Contribute online. You will reach the National Pension Scheme login (NPS login) page as shown below. Here, proceed with permanent retirement account number login by clicking on ‘Login with PRAN/IPIN’.
You will reach the following page where enter your permanent retirement account number login and click on “Submit” so that you can access your E-NPS account.
Enter your user Id and password, enter the captcha and press ‘submit’. Once you have completed your NPS login, you can proceed with other services listed on the left side of the page, like Investing in NPS, grievance /enquiry status, etc.
If you are logging for the first time, click on IPIN for eNPS. You can reset IPIN via nodal office or generate OTP.
If you resent IPIN through nodal office, enter permanent retirement account number login, date of birth, new password, confirm password, enter captcha and click submit.
Alternatively, if you choose to generate OTP, enter permanent retirement account number login, date of birth, receive OTP via – SMS or email, new password, confirm password and enter captcha.
Also read all about ESIC portal and ESIC scheme
KFINTECH NPS login
To proceed with KFINTECH NPS login through the KFINTECH portal, log on to https://nps.kfintech.com/login/login/
Enter your permanent retirement account number login, password, enter Captcha and click on login.
You can also register on the KFINTECH website by going to https://nps.kfintech.com/ and clicking on Join NPS.
You will reach the following page where you can enter the full name, country code, mobile number, email id and application type- individual subscriber or corporate subscriber. Accept the terms and conditions and click on ‘Create account’.
If you have a pending registration, click on the link below ‘ Create account’. You will reach a page as shown below where you can complete the registration.
NPS login through net banking
You can also proceed with your NPS login using internet banking that is provided by your bank. Through internet banking, all NPS account activities including selecting schemes and making contributions can be done.
What are the benefits of NPS?
- Flexible: NPS offers various investment options and choice of Pension Funds (PFs) for planning investment growth in a reasonable manner.
- Portable: NPS provides seamless portability across jobs and across locations. Even if the individual subscriber shifts to a new job/location, without having to leave behind the corpus built.
- Ease of Access: NPS account is manageable online and can be opened through the eNPS portal.
NPS: Latest news
Feb 22, 2023
NPS funds deposited cannot be transferred to state governments
Finance Minister Nirmala Sitharaman and finance secretary Vivek Joshi mentioned that under the current law, funds deposited for National Pension Scheme (NPS) with the center cannot be given to state governments.
FAQs
What are the criteria for registering for NPS?
Anybody between the age of 18 and 65 years can open an account with NPS, do an NPS login and pay the subscriber amount to secure their life after retirement.
Is opting for NPS compulsory for all?
Opting for NPS is optional. However, most financial experts advise people to open an NPS subscriber account, as it helps you build a financial corpus for your life after retirement and also offers tax benefits.
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