
Important Guideline to Start investing in National Pension System (NPS):-
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Opening of Individual Pension Account under NPS (only Tier I / Tier I &
Tier II) by All Indian Citizens (including NRIs) between 18 - 70
years.
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Making an initial and subsequent contribution to your Tier I as well as
Tier II account.
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For
Account opening, you need to: Have a Mobile number, email ID
and an active Bank account with a net banking facility enabled.
- In case, an applicant selects to open the individual pension account with PAN, the activation of the PRAN
is subject to KYC verification by the empanelled POP (name and address should match with a POP record) selected by the applicant during the registration process. To view the list of empanelled
POP, Click
Here.
- Be ready with all the above details and documents.
- Please exercise your choice of CRA
- Fill up all the mandatory details and cross verify before submitting.
- Proceed with all the instructions step by step by clicking above CRA.
- Scan and upload your photograph (optional for Aadhaar) and signature.
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Make online payment (Minimum amount of Rs.500).
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Subscriber will have an option to authenticate form through OTP Authentication or eSign process.
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All
NPS subscribers can contribute to Tier I & Tier II accounts through 'eNPS' using BillDesk and RazorPay.
Click Here for guidelines on filling in details if the Applicant residence for tax purposes in the jurisdiction (s) outside India.
Register Systematic Investment in my NPS Account
You can register monthly contributions in NPS up to the amount your wish (Tax Rebate up to 50,000 for self contribution under section 80CCD(1b)).
After opening your NPS account above, you may
Click Here to register your
NPS SIP eNACH mandate.

Activate my Tier-II
A Tier-II account is a voluntary savings facility. The applicant will be free to withdraw his/her savings from this account whenever he/she wishes. This is not a retirement account and the applicant can’t claim any tax benefits against contributions to this account. To open a Tier-II account, an active Tier-I account is mandatory.
To activate your Tier-II account, please click on your CRA which has issued your PRAN.
Download the Statement of Transaction
The Statement of Transaction (SOT) for your NPS account shall be printed and dispatched to your registered address once a year by the respective CRA. A soft copy shall also be provided periodically to your registered email id. However, subscribers can now download their Statement of Transaction online at any time.
To avail of the facility, you may log in to your account by using the login id and password provided by CRA along with your PRAN Kit.
Print my ePRAN
The physical PRAN Card for a subscriber is generated by the respective CRA and despatched to the registered address, soon after the completion of registration formalities. Now the facility for downloading the ePRAN is enabled online, by which the subscriber can download the soft version of the PRAN in PDF format and print the same.
To avail of the facility, you may log in to your account by using the login id and password provided by CRA along with your PRAN Kit.
Change my Pension Fund
Eligible subscribers can now change their Pension Fund (which shall manage the pension corpus) online. Please note that this facility may not be available for subscribers of Government, certain corporates etc.
To avail of the facility, you may log in to your account by using the login id and password provided by CRA along with your PRAN Kit.
Change my investment pattern
Eligible subscribers can now modify their investment patterns (allocation of funds in various available asset classes) online. Please note that this facility may not be available for subscribers of Government, certain corporates etc. To avail of the facility, you may log in to your account by using the login id and password provided by CRA along with your PRAN Kit. To login please click on your respective CRA:
Central Recordkeeping Agencies (CRA) are K-FINTECH, CAMS, PROTEAN

Benefits of NPS
- Flexible- NPS offers a range of investment options and choices of Pension Funds (PFs) for planning the growth of the investments in a reasonable manner and monitoring the growth of the pension corpus. Subscribers can switch over from one investment option to another or from one fund manager to another.
- Simple – Opening an account with NPS provides a Permanent Retirement Account Number (PRAN), which is a unique number it remains with the subscriber throughout his lifetime. The scheme is structured into two tiers:
- Tier-I account: This is the non-withdrawable permanent retirement account into which the regular contributions made by the subscriber are credited and invested as per the portfolio/fund manager chosen by the subscriber.
- Tier-II account: This is a voluntary withdrawable account that is allowed only when there is an active Tier I account in the name of the subscriber. The withdrawals are permitted from this account as per the needs of the subscriber as and when required.
- Portable- NPS provides seamless portability across jobs and across locations. It would provide hassle-free arrangements for the individual subscribers while he/she shifts to the new job/location, without leaving behind the corpus build, as happens in many pension schemes in India.
- Well, Regulated- NPS is regulated by PFRDA, with transparent investment norms, regular monitoring and performance review of fund managers by NPS Trust. The account maintenance costs under NPS are the lowest as compared to similar pension products across the globe. While saving for a long-term goal such as retirement, the cost matters a lot as the charges can shave off a significant amount from the corpus over 35-40 years of the investment period.
- The dual benefit of Low Cost and Power of compounding: Till retirement, pension wealth accumulation grows over the period of time with a compounding effect. The account maintenance charges being low, the benefit of accumulated pension wealth to the subscriber eventually becomes large.
- Ease of Access: The NPS account is manageable online. An NPS account can be opened through the eNPS portal. Further contributions can be also be made online through the following eNPS portals of CRAs.