How to Change Name in NPS Account Online?

What is the NPS Scheme?

The NPS scheme primary objective is to ensure old-age income through a retirement corpus built with reasonable long-term market-based returns during your earning years.  The PFRDA (Pension Fund Regulatory and Development Authority) manages NPS and the country’s pension sector in the larger context. 

However, NSDL is the appointed Central Recordkeeping Agency managing the vast database, from subscription to final fund withdrawal. You get a unique ID from the CRA in the form of a PRAN Card. Like every member, you must open a compulsory Tier 1 and optional Tier 2 account to fulfil your retirement goals.  

How to Make Amendment or Addition in the NPS Master Details?

The CRA is responsible for carrying out changes or updates in the master data on your request. You must use Form S2 for correction or changes in the master details like name, address, email, nominee, and bank account details. 

In addition, you can request a fresh IPIN/ TPIN or even a new PRAN Card using the same form. While most of the activities detailed in Form S2 are accomplished online, a few may require using the hard copy along with supporting documents. Therefore, you must explore further to know the involved processes. 

What are the NPS Form S2 Components?

The NPS Form S2 is almost a master form for master data update and comprises several sections. Check them out for use when necessary.

1. Section A - Personal Details

   Use this section to request a change in name, parent’s name, contact details, mobile number, email ID, and bank account details.

2. Section B – Nominee Details

   You must enter the nominee details during scheme enrollment. You can add up to three nominees or change particulars, stating the ratio to share the corpus in the existing Tier 1 and Tier 2 accounts. 

3. Section C – Reissue of IPIN and TPIN

   You can request a reissue of the PINs for various reasons, including when they are compromised. 

4. Section D – Reissue of Permanent Retirement Account Number (PRAN)

   Justify the reissue of PRAN while lodging the request in this section. 

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How Does the NPS Form S2 Work?

You have already seen how the NPS Form S2 encompasses all your requested changes in the personal master details. While requesting the CRA for an amendment or inclusion, do not forget to use the correct section to ensure a positive outcome. 

Exercise the utmost care in furnishing your details to make them error-free. After all, erroneous master records can mar your retirement experience. 

How to Change Name in NPS Account Online?

A name change in your NPS account essentially means an amendment in personal details in the master data. The online mode covers most of the amendments or inclusions through the CRA’s eNPS portal. 

In the first step, you must log in to your account using your PRAN and the IPIN. You can request online changes in the following list:

• Permanent and Communication Address

• Scheme Preference

• Email

• Mobile Number

• IPIN Resetting

• Aadhaar Update

• Nomination

You must go through the steps detailed below for each of the permitted changes through the CRA portal. Consider yourself logged in for requesting the changes. 

1. Permanent and Communication Address

   • Click on the “Update Details” tab.

   • Then, select “Update Aadhaar / Address Details.”

   • Next, incorporate the necessary changes and “Submit.”

   • Aadhaar card authentication using an OTP is the final step to register changes in your contact details. 

2. Scheme Preference

   You can change your NPS account’s equity allocation preference to indicate the ratio in which your contribution must be invested. Check the following steps:

   • Click on the “Transact Online” button

   • Then, open the “Change Scheme Preference” option.

   • Next, select the account where you want the change – Tier 1 or Tier 2

   • Under the Auto Option, choose one from the Aggressive, Moderate, and Conservative, aligned with your risk appetite

   • Under the Active Option, you must define the Equity, Debt, and Government Securities investment ratio. 

3. Email and Mobile Number

   • Click “Update Contact Details.”

   • Then, add or modify your email and your mobile number. 

   • Authorize the changes to give effect.

   • A confirmatory message is transmitted to the registered number and email. 

4. Resetting IPIN

   • Select “Resetting of PIN” on the CRA portal home page under “Value Added Services.”

   • Input all the mandatory details to regenerate the instant PIN, authenticated through an OTP sent to the registered mobile number.

   • The Nodal Office authorizes the online IPIN reset request if no mobile number is registered in your account. 

   Alternatively, you can generate a new IPIN (Internet Personal Identification Number) online through the same portal. Check the following steps:

   • Click on the “Forgot Password” tab on the eNPS portal’s welcome page. 

   • Then, select the option “Instant Reset PIN.”

   • Next, input the necessary details like your DOB or the PRAN to establish your identity.

   • Enter a new password.

   • Finally, invoke the “Generate OTP” tab for verification through your registered mobile number. 

   • “Submit” to complete the process, and you are on your way to access all the NPS account’s online functionalities. 

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5. Aadhaar Update

   • Click on the “Update Aadhaar/ Address Details” under the “Update Details” menu option.

   • Then, input the Aadhaar number.

   • Next, go through the process of OTP-based authentication initiated by the UIDAI. 

   • Your PRAN is linked with the Aadhaar Card once you have completed all the steps sequentially. 

6. Nomination

   • Select the “Demographic Changes” menu option and click on the “Update Personal Details” tab.

   • Then, choose the “Add/ Update Nominee Details.”

   • Next, choose the relevant account for incorporating nominee details.

   • Your nominee details are updated when you complete the Aadhaar based OTP and e-signature verification. 

   • The digital process is entirely paperless, but for an e-signature failure, you need to adopt the manual mode. 

Can You Change Your Name in NPS Account Online?

Going through the discussed online processes for amendments or the addition of personal details, you must have realized that it does not cover your name. For changing your name for any valid reason, the online process is confined to filling up the request form with change details and attached with valid supporting documents.

You must print the online entry and send the hard copy to the NSDL Office in Mumbai for effecting the requested changes. 

While all the other personal details are changed through the eNPS portal, you must use Form S2 for requesting a manual name change. The tips to fill the form are described below for your comprehension. 

• Full Name: You must submit the supporting documents for the change request. 

• Gender: Valid supporting document is a must for the change request. 

• Category: NRI subscription must comply with FEMA regulations.

• Bank Details: Your account cancelled cheque should suffice if all the particulars match.

• Permanent and Communication Address: Any change in the address must be incorporated with supporting documents. 

The following documents are necessary to justify your change or addition request in your NPS account to make it error-free.

• Full Name: Gazette notification or a marriage certificate with the changed name.

• Gender: A gazette notification declaring the change.

• Address: You must check with the CRA for the long list of valid documents accepted for the requested change. 

In Conclusion

Your NPS membership is a valuable asset for a financially independent, contented retired life. Making the best of the government-sponsored social security initiative should be your objective. Deficiency in the personal details in the CRA database is likely to cause unnecessary heartburn when the day of reckoning arrives as you turn sixty. 

Take the “A stitch in time saves nine” adage at face value, and respond to the query “How to change name in NPS account online,” and act accordingly.

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