NPS Login (National Pension Scheme): NSDL & Karvy Login Process

What is NPS ?

National pension system was introduced by the government of India and came into existence in January 2004. In the initial years, it was only applicable to the government employees, however, after 5 years i.e in 2009, it was opened for all citizens of India irrespective of the sector in which they work. Through this scheme,the individual needs to contribute on a regular basis in his pension account, during his work life.

NPS Open (Online/Offline method)
PRAN allocated
NPS Login Online (Using Net Banking/Karvy/NSDL website)

Who can open NPS account in India?

NPS can be opened by All Indian Citizens (including NRIs) between 18 - 65 years.

How to register for/open an NPS Account?

There are two ways to open NPS account -

• Online
• Offline

1. Log on to the NPS Website. By clicking on https://npscra.nsdl.co.in/
2. Enter your Aadhaar or PAN card number.
3. Choose the type of NPS account you want to invest in.
4. Mention the OTP received, for authentication.
5. Fill personal details and submit to generate the acknowledge number.
6. Choose the pension fund manager.
7. You need to choose from the 7 available options
8. Choose investment mode and the investment mix/ratio.
   There are two mode:
   Auto mode : allocation of the equity changes with time.
   Active mode: You decide the mix
9. Choose a nominee.
10. Assign the people who should get the corpus in case the nominee dies.
11. Upload your signature and photograph
12. Make the contribution post which you will be allotted PRAN. A minimum amount of Rs. 500 to be invested for Tier-I and an amount of Rs.1000 to be invested for Tier-II accounts.
13. Download the form, where you are unable to e-sign the form, fill in the dependencies if any and send it to the CRA office within 3 months from the date.

1. Individuals need to visit the nearest POP(Point of Presence)centre that is authorised by PFRDA(NPS regualtory authority)- a bank, or a post office to open the NPS account.
2. Submit all his KYC documents i.e. identity proof and residence (passport, Aadhaar card, ration card, voter ID, driving licence, utility bills, etc.), along with the duly filled up application form.
3. A registration fee of Rs. 125 needs to be paid by the individual.
4. On registration, you will be required to make first investment.Once you have made your first investment, the POP centre will send you a PRAN.
5. In the welcome kit sent by the POP centre, the individual will receive his PRAN along with the password , you need both of this, to operate your account.

How to Login into the NPS account?

Logging into the NPS account allows NPS account users to access their account online to check their accumulated balance and also all the other details related to their account.
Once you have been allotted the PRAN, post creating the NPS account, you can login into your E- NPS account by using three different modes. Steps to be followed while using each mode has been explained below:

1. Visit the NSDL NPS Portal.
   By clicking on https://enps.nsdl.com/eNPS/NationalPensionSystem.html
2. Next click on ‘Login using PRAN/IPIN’.
3. On the Login screen, enter the PRAN number and password. Enter the captcha and click on the ‘submit’ button.
4. You can now access your E-NPS account.

1. Visit the official portal of Karvy NPS. By clicking on https://enps.kfintech.com/
2. Click on the ‘Login for existing subscribers’ option.
3. Enter the PRAN and password to login into the E-NPS account.
4. If the individual is logging in for the first time then follow the following steps-
   i.) On the login screen, choose ‘click here to generate password’ option and reset your password.
   ii.) Enter your PRAN, Date of Birth and the captcha displayed. Click on the submit option, on your registered mobile number an OTP will be sent.
   iii.) Now set the new password.
   iv.) Once you have set your new password, it could be used to login into your E-NPS account.

E-NPS accounts can be accessed using the internet banking facility. Visit the portal of your bank. Login into your account using your internet banking id and password. Click on the NPS section to check all your details. Many of the activities related to your NPS like scheme selection etc. can be done using internet banking.