[ecis2016.org] This article discusses the national pension scheme, NPS login and other details.
NPS or the National Pension Scheme is the government of India’s retirement benefits scheme that facilitates a regular income to all its subscribers after their retirement. The NPS is governed by the Pension Fund Regulatory and Development Authority (PFRDA).
You are reading: NPS login: All you need to know about National Pension Scheme login
While previously, in India, only government employees could avail of a pension facility to support themselves after retirement, with the NPS, a long-term investment plan, even the private sector employees and self-employed people can avail pension from the government of India.
People of the age group 18-65 years can open an NPS login account and benefit from this NPS scheme. For opening an account with NPS, you need to have a PAN card, Aadhaar card and bank details for which KYC will be done. Before you proceed with the NPS login, you have to register for the NPS.
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NPS registration: Steps to follow
You have the option to register with the NPS via both, offline and online modes.
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Offline National Pension Scheme registration
For this, you have to first fill the NPS registration form and attach with your recent passport size photograph. This NPS form, along with and a demand draft or cheque of your first contribution, should be submitted at the nearest National Securities Depository Limited (NSDL) or the Points of Presence (PoP). On submission of your NPS registration form, you will get a Permanent Retirement Account Number (PRAN). The PRAN is your unique NPS identity number, which is necessary for every transaction that you will do in your NPS account. You can download the NPS registration form from https://www.npscra.nsdl.co.in/download/government-sector/central-government/forms/CSRF_Subscriber_Registration_Form.pdf
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Online National Pension Scheme registration
To open an NPS account online, first furnish the following details:
- The NPS model – central government, state government, corporate or private citizen – that you are applying for.
- Your personal and professional details, including name, address, contact details, date of birth, educational qualifications, professional qualifications and annual income.
- Bank account details that will be linked with your NPS account.
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- For the Tier-1 account, which is a primary account and opens by default, you have to pay Rs 500 as initial money and at least Rs 1,000 every financial year.
- For the Tier-2 account, the initial money to be deposited is Rs 1,000. This allows you to transfer money to your Tier-1 account and withdraw money from your Tier-2 account anytime.
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- Nominee for your NPS account.
- Select one pension fund manager who will manage your NPS account from the eight available options.
- Choose the ratio in which you want to invest in the various mentioned securities. There are two options for subscribers:
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- Auto choice
- Active
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Investment is done by choosing the ratio of the securities – ECG for NPS where ‘E’ stands for Equity, ‘C’ stands for Corporate Bonds and ‘G’ stands for Government Securities and depends on a person’s age.
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NPS registration: Auto choice
| Auto choice | Age | Equity exposure |
| Aggressive | Up to 35 years | Maximum equity exposure is 75% |
| Moderate | Up to 35 years | Maximum equity exposure is 50% |
| Conservative | Up to 35 years | Maximum equity exposure is 25% |
NPS registration: Active choice
| Age | Maximum equity allocation |
| Up to 50 years | 75% |
| 51 | 72.50% |
| 52 | 70% |
| 53 | 67.50% |
| 54 | 65% |
| 55 | 62.5% |
| 56 | 60% |
| 57 | 57.5% |
| 58 | 55% |
| 59 | 52.5% |
| 60 and above | 50% |
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NPS login: Steps to follow
Once registered, you can access your NPS login in three ways:
NPS login through NSDL NPS portal
To proceed with your NPS login, visit www.npscra.nsdl.co.in
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Click on ‘Login’ and select ‘Subscribers – NPS regular’ and you will reach https://cra-nsdl.com/CRA/
Enter your user Id and password, enter the captcha and press ‘submit’. Once you have completed your NPS login, you can proceed with other services listed on the left side of the page, like Investing in NPS, grievance /enquiry status, etc.
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NPS login through KARVY portal
To proceed with NPS login through the KARVY portal, log on to https://nps.kfintech.com/ and click on ‘Join NPS’. Proceed with the registration and the NPS login.
NPS login through your bank’s net banking
You can also proceed with your NPS login using internet banking that is provided by your bank.
FAQs
What are the criteria for registering for NPS?
Anybody between the age of 18 and 65 years can open an account with NPS, do an NPS login and pay the subscriber amount to secure their life after retirement.
Is opting for NPS compulsory for all?
Opting for NPS is optional. However, most financial experts advise people to open an NPS subscriber account, as it helps you build a financial corpus for your life after retirement and also offers tax benefits.
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