NPS Login allows you to access your National Pension System (NPS) accounts online. It provides a convenient platform to manage your contributions, track investment performance, and plan for your retirement efficiently.
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†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
The full form of NPS is the National Pension Scheme, which is a government-sponsored voluntary contribution-based pension scheme in India. Its main objective is to provide retirement income to the citizens of India.
Contributions: Under NPS, you contribute to your NPS account during your working years, which are invested in the chosen market-linked funds.
Pension Amount: 60% of the accumulated savings can be withdrawn as a lump sum, and the remaining 40% can be withdrawn as an annuity plan with regular pension income after retirement.
NPS Login: You can log in to your NPS account through the NSDL eNPS portal and KFintech NPS portal.
| Features | Details |
| Account Type | Voluntary, Long-Term Investment Plan for Retirement |
| Eligibility | -Open to resident citizens, NRIs, and PIOs. -Both Government and non-government employees can apply |
| Entry Age | 18 – 70 years |
| Minimum Contribution |
- Thereafter, Rs. 500 per contribution - Rs. 1,000 annually
- Thereafter, Rs. 250 per contribution |
| Account Tiers | Two Tiers: -Tier I (Mandatory); -Tier II (Optional) |
| Investment Options | - Diversified across Equity (E), Corporate Bonds (C), Government Securities (G), - Choice of investment mix (E, C, G) based on risk appetite. |
| Fund Management Options | - Active Choice: Subscriber selects asset classes and proportions - Auto Choice: Investment managed automatically based on subscriber's age profile |
| Exit Rules at Age 60 | - Minimum 40% annuitization - Maximum 60% lump sum withdrawal - Option to defer lump sum and annuity purchase |
| Extension Option till Age 70 | Allowed with fresh contributions, annuity and lump sum withdrawal deferral options. |
| Early Exit Before Age 60 | - Minimum 80% annuitization - Maximum 20% lump sum withdrawal - Complete withdrawal if corpus < Rs. 1 lakh |
| Death of Subscriber | Nominees receive 100% of NPS pension wealth as a lump sum. |
| Tax Benefits |
|
Once you register with the NPS account, you are given a unique Permanent Retirement Account Number (PRAN) and a password for NPS login and manage your account.
Permanent Retirement Account Number (PRAN) has been allocated to you. You can log in to your E-NPS account through the following channels:
NSDL NPS Portal
KFintech NPS Portal
Internet Banking
Here is a step-by-step guide to help you with logging into your PRAN account:
Go to the eNPS - NSDL portal (https://enps.nsdl.com/eNPS/NationalPensionSystem.html).
Click on the "Login with PRAN/iPIN" button on the right side of the page.
Enter your PRAN and password. (If you have not yet created a password, click on the "Forgot Password" link and follow the steps to reset your password.)
Enter the captcha code in the given field and click on "Submit".
In case you are logging into your account for the first time, you will be required to generate a new password:
Go to https://enps.nsdl.com/eNPS/NationalPensionSystem.html
Select the "Open your NPS Account/Contribute Online" button.
Click on the "Login with PRAN/IPIN" button.
Enter your PRAN and password to log in.
Select the "Password for e NPS" link to generate a new password.
Provide PRAN, date of birth, and the new password, confirm the password, and enter the captcha.
Click on the "Submit" button.
Enter the OTP received on your registered mobile number.
Log in to your E-NPS account using your PRAN and new password.
Steps to log in to your NPS account through the KFintech NPS portal:
Go to the official portal of KFintech- https://nps.kfintech.com/
Click on the "Login for existing subscribers" button.
Enter your PRAN and Password on the login screen.
Log in to your E-NPS account.
The first time you sign in, it is required that you go through the following steps-
Go to the NPS login screen and click on the "Click here to generate password/reset your password" option.
Enter your PRAN, birthdate, and captcha code.
Click on "Submit" to receive a verification code on your registered mobile number.
Enter the OTP code and proceed to change your password.
After changing your password, you can access your E-NPS account using the new password.
One of the easiest ways to access the e-NPS account is through internet banking. To use the e-NPS account through internet banking, you must have an NPS account and should activate your internet banking with your bank.
The steps to access the e-NPS account through internet banking are as follows:
Log in to the bank's internet banking website
Navigate to the section for NPS.
From there, you can manage all aspects of your NPS account, including contributions, scheme selections, and other tasks.
The National Pension Scheme Calculator is an online tool that enables you to estimate the lump sum and pension amount you could receive upon maturity of the NPS scheme.
To calculate the estimated pension amount, check out the NPS calculator.
There are two options for registering for an e-NPS login: using your Aadhaar number or using your PAN card:
Aadhaar number
Registered mobile number linked to your Aadhaar
Scanned copy of your signature (in .jpeg/.jpg format with a file size between 4kb-12kb)
PAN Card
Bank account details (name, account number, and IFSC code)
Self-attested copies of KYC documents:
ID proof (passport, voter ID card, driving license, etc.)
Address proof (utility bills, bank statements, etc.)
Proof of photograph (passport, PAN card, etc.)
The National Pension System (NPS) Login is a secure online platform that enables NPS subscribers to access their NPS accounts easily. By logging in to your accounts, you can monitor your pension savings, track investment performance, and make informed decisions about your retirement planning. Overall, the NPS Login is an essential tool for you to get a hassle-free and user-friendly experience for managing your retirement savings.
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance
plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
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