How can I update my contact details in my NPS account?

To update your contact details in your NPS account, log in to your NPS account and go to the Update Profile section to update your contact details, such as mobile number, email address, and address.

Can I access my NPS account through a mobile app?

Yes, the NPS Trust has a mobile app called NPS by NSDL e-Gov available for both Android and iOS users, which allows you to access your account on the go.

What are the common issues faced during NPS login and how to resolve them?

Common issues include incorrect PRAN or password entry, expired passwords, and locked accounts. Ensure you enter the correct details, reset your password if it has expired, and contact customer service if the account is locked.

Is it safe to access my NPS account online?

Yes, accessing your NPS account online is safe as long as you follow security practices such as not sharing your login details, using a strong password, and accessing the account from a secure device.

How often should I log in to my NPS account?

It is recommended to log in to your NPS account regularly, at least once a month, to monitor your contributions, check the account balance, and ensure all personal details are up-to-date.

Is there a separate login for Tier-I and Tier-II NPS accounts?

No, you'll have a single login for both Tier-I and Tier-II NPS accounts, assuming you have both. You can view details for both tiers after logging in.

NPS Login: How to Login in NPS Account in 2025?

Q: How do I log in to my NPS account?

You can log in to the National Pension Scheme by visiting the official NSDL or KFintech NPS portal, entering your PRAN login Permanent Retirement Account Number and password, or using OTP authentication.

Q: What if I forget my NPS login password?

If you forget your password for NPS login with PRAN, you can reset it by clicking on the Forgot Password link on the login page and following the instructions to set a new password using your PRAN and registered mobile number.

Q: Can I change my NPS login password?

Yes, you can change your password after logging in. Navigate to the Change Password option in your account settings.

Q: What should I do if my NPS account is locked?

If your e-NPS account is locked due to multiple incorrect login attempts, you can unlock it by contacting the NPS customer service or by filling out the UOS-S10-A form and submitting it to POP-SP or the CRA.

What is the National Pension Scheme (NPS)?

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 plan income after retirement.

NPS Login: You can log in to your NPS account through the NSDL eNPS portal and KFintech NPS portal.

Key Highlights of the NPS Account

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

Tier I Account (contribute at least once per year)

- Rs. 500 at account opening
- Thereafter, Rs. 500 per contribution
- Rs. 1,000 annually

Tier II Account

- Rs. 1000 at account opening
- 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

Up to ₹1.5 lakh deduction under Section 80C for Tier I contributions.
Additional deduction of up to ₹50,000 under Section 80CCD(1) for Tier I contributions.
Employer contributions (up to 14% for Central Government, 10% for others) are tax-deductible.
Up to 25% of Tier I corpus withdrawn at maturity is tax-free.

NPS Login

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

NSDL NPS Portal

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".

For 1st Login:

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.

KFintech NPS Portal

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.

For 1st –time Login:

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.

Internet Banking

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.

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Documents Required to Register for e-NPS Login

There are two options for registering for an e-NPS login: using your Aadhaar number or using your PAN card:

Using Aadhaar:

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)

Using PAN Card:

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.)

Conclusion

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.

Frequently Asked Questions

How do I log in to my NPS account?

You can log in to the National Pension Scheme by visiting the official NSDL or KFintech NPS portal, entering your PRAN login Permanent Retirement Account Number and password, or using OTP authentication.

What if I forget my NPS login password?

If you forget your password for NPS login with PRAN, you can reset it by clicking on the Forgot Password link on the login page and following the instructions to set a new password using your PRAN and registered mobile number.

Can I change my NPS login password?

Yes, you can change your password after logging in. Navigate to the Change Password option in your account settings.

What should I do if my NPS account is locked?

If your e-NPS account is locked due to multiple incorrect login attempts, you can unlock it by contacting the NPS customer service or by filling out the UOS-S10-A form and submitting it to POP-SP or the CRA.