Request a demo

Thank you for your response

Our representative will get in touch with you shortly.

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

Updated on:  

08 min read

India has traditionally been a “Pension-less” society, where only government employees had a reliable source of pension to support their lifestyle after retirement. Private-sector employees and self-employed professionals had to plan for their retirement themselves. Through the National Pension Scheme, the government intends to make India a “Pensioned” society and offer financial security to everyone during their golden years.

NPS Registration

Online method

You need to provide the following information in your NPS registration form to open a  new NPS account.

  • Select the NPS Model you are applying for, i.e. Central Government, State Government, Corporate or as a private citizen.
  • You need to provide all your details as well as professional details such as name, address, date of birth, contact details, educational qualifications, profession, income etc.
  • Enter your bank account details such as account number, bank, branch, IFSC, MICR code etc.
  • You must nominate and provide details of a nominee who will receive the amount in case of your death.
  • Opt for a Tier-II account, if you wish to open one. Tier-I account is opened by default with NPS registration.
  • Select your pension fund manager. Presently there are eight options to choose from. You have the option to select only one fund manager.
  • Click on the ratio in which you want to invest in various securities.

Offline method

Aside from a duly filled NPS registration form, you require a recent photograph and a cheque or demand draft for the initial contribution to the nearest NSDL office or PoP.

When you submit your form offline with the NSDL, you will receive a PRAN (Permanent Retirement Account Number). This number will be your identity for the NPS account and will be required for completing every transaction related to your NPS account.

NPS Login

After your NPS account has been created, and PRAN is allocated to you, you can now log-in to your E- NPS account through various channels, i.e. through the NSDL NPS portal, through the KARVY portal or your internet banking account.

Following is the step-wise guide to help you with logging into your PRAN account.

Through NSDL NPS Portal

  • Visit the official portal of NSDL NPS at www.npscra.nsdl.co.in
  • Click on the button “Open your NPS Account/Contribute Online.”
  • Click on the button titled “ Login with PRAN/IPIN”.
  • Now, you will be taken to the log-in screen.
  • If you have your PRAN and Password ready, enter the same in the required fields and click on “Submit” to access your E-NPS account.

If this is the first time that you are logging in to your account, you will need to create a new password by following the steps mentioned below:

  • Visit the official portal of NSDL NPS at www.npscra.nsdl.co.in
  • Click on the button “Open your NPS Account/Contribute Online.”
  • Click on the button titled “ Login with PRAN/IPIN”.
  • Now, you will be taken to the log-in screen.
  • Click on the link “Password for e NPS” to generate a new password.
  • Here you will have to provide your PRAN, Date of birth, new password, confirm password and enter the captcha. After you have entered all the details, click on the submit button.
  • You will receive an OTP on your registered mobile number. Enter this OTP on the screen to confirm your new password.
  • Now, you can log-in to your E-NPS account by using your PRAN and new password.

Through Karvy NPS Portal

  • Visit the official Karvy NPS portal at E-F.karvy.com
  • Click on the button “Login for existing subscribers.”
  • You will now be able to see the login screen.
  • Enter your PRAN and Password to log-in to your E-NPS account.

If you are logging in for the first time, you need to follow the following process:-

  • On the login screen, click on the link “Click here to generate password…….reset your password”.
  • Now, you will be asked to enter your PRAN, Date of birth and Captcha. Once you click on submit, you will receive an OTP on your registered phone number.
  • Enter this OTP on the screen, and you will now be able to set a new password.
  • Once you have created a new password, you can use it to log-in to your E-NPS account.

Through Internet Banking

Many banks provide the facility of accessing your e-NPS account through your internet banking. You need to log-in to your internet banking account, browse to the NPS page to check your account details. You can make contributions, select schemes or perform all actions related to your NPS account through your internet banking screen.


If you are looking for a reliable source of income after your retirement, then NPS is an excellent option for you. It not only offers you significant tax benefits but also helps you create a corpus for your retirement. With the option of opening a new NPS account and performing all activities related to it online, it has become more accessible than ever to enrol yourself in a pension scheme.

Related Articles

Partial withdrawal from NPS exempt from tax -Introduced in Budget 2017

Calculate monthly Pension & Tax Benefits through Cleartax NPS Calculator

Frequently Asked Questions

What if the NPS account holder dies after 60 years of age?

The entire corpus in the NPS account can be withdrawn by the nominee/ legal heir of the subscriber. However, in the case of a government employee’s death, it is mandatory to purchase the annuity plan. The nominee cannot withdraw the entire amount.

When can we withdraw money from NPS?

You can withdraw the amount from NPS as below-

  • Withdrawal at the age of 60/on retirement- Up to 60% of the accumulated corpus in NPS and invest balance 40% of corpus amount in purchasing the annuity for monthly pension.
    100% corpus in the NPS account can be withdrawn if the accumulated wealth is less than Rs. 2 lakh.
  • Withdrawal before retirement- Only 20% of the corpus can be withdrawn, and the balance 80% must be mandatorily invested to purchase the annuity for monthly pension.
  • Withdrawal upon death: The government employee must purchase the annuity plan and can withdraw a certain amount. Other employees can remove the entire corpus in the NPS account.

inline CTA
File your income tax for FREE in 7 minutes
Free, simple and accurate. Designed by tax experts