If you’ve got an NPS (National Pension System) account and you’re wondering “How do I login and check my pension details?”, don’t stress. Whether you’re a salaried employee, government staff, or even self-employed — the NPS login portal gives you full access to your pension info, statements, contributions, and more.
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Let me walk you through it step-by-step — no tech jargon, just a simple guide that actually makes sense.
🧐 What is NPS?
In case you’re new — NPS (National Pension System) is a government-backed retirement savings scheme where both you and your employer (if applicable) contribute regularly. It’s managed by PFRDA (Pension Fund Regulatory and Development Authority).
With time, your money grows, and you can withdraw a portion when you retire. The rest is converted into a monthly pension — so you don’t have to worry about income in old age.
🌐 Where to Login for NPS?
You can log in to your NPS account on the CRA (Central Recordkeeping Agency) website.
There are mainly two CRAs:
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Protean CRA (NSDL) 👉 https://cra-nsdl.com
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KFintech CRA 👉 https://nps.kfintech.com
Just login based on where your NPS account is registered. Most people are with NSDL (Protean), but new ones might be with KFintech.
🔐 NPS Login (Step-by-Step Guide)
Let’s say you’re using the NSDL (Protean CRA) site. Here’s how to login:
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Go to 👉 https://cra-nsdl.com
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Click on “Login” under the National Pension System (NPS) section
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Select “Subscriber”
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Enter your PRAN (Permanent Retirement Account Number)
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Type your password and captcha
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Hit Submit
You’ll now see your dashboard — with full details of your pension contributions, current balance, and more.
🔑 PRAN is your 12-digit NPS account number. If you forgot it, check your welcome kit or registered email.
❓ Forgot NPS Password?
No worries — it happens. Just click “Forgot Password” on the login screen, enter your PRAN and other details, and reset it via OTP on your registered mobile/email.
📋 What You Can Do After Login?
Once logged in, you can:
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Check your NPS contribution history
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View and download your transaction statement
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Change your nominee or contact info
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Switch investment options or pension fund manager
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Check your Tier 1 and Tier 2 account balance
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Request withdrawal or exit (if eligible)
Basically, everything about your retirement money is available here, 24/7.
🧾 Pro Tips (If You’re New to NPS)
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Your Tier 1 account is for retirement – you can’t withdraw before 60 (with few exceptions)
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Tier 2 account is like a savings account – you can withdraw anytime
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Always keep your email and mobile number updated for smooth OTP-based logins
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If you’re salaried and your company contributes — you can check those contributions too!
🏁 Final Thoughts
Logging into your NPS account isn’t rocket science. Just make sure you have your PRAN and password ready — and you can manage everything about your pension right from your phone or laptop.
If you’re planning long-term, regularly checking your NPS account helps you stay on track. After all, it’s your future retirement fund — better keep an eye on it.