How to Check Your NPS Balance | Online, Apps, SMS, Missed Call Service & Email

NPS is a long-term retirement planning scheme governed by the PFRDA and the Central Government. It ensures pension after retirement for individuals working in both private and public sectors. Once you become an NPS subscriber, it’s crucial to check the balance regularly to ensure you are on the right path to achieving your retirement goals. The NPS account balance depends on two factors: your voluntary annual contributions to the NPS account and the returns from investing 40% of the corpus in annuities.

Although you will receive a Statement of Transaction (SOT) once a year by post at your registered address, you will also receive its soft copy at the registered email address. However, if you want to do a more frequent NPS balance check, below are the multiple methods available.

How to Check Your NPS Balance Via Online Methods?

Using the NPS Website

The official NPS website is - https://enps.nsdl.com/eNPS/NationalPensionSystem.html. Below, you will learn how to check your NPS balance using the portal:

Log on to the Protean-CRA
Click 'Log in with PRAN/.
Log in to your NPS account using your PRAN, user ID, and account password
Enter the captcha.
Tick the ‘I Understand That’ box.
Click the 'holding statement' or ‘transaction statement’ button to view your accumulated NPS balance.

Using the Mobile App

The NPS mobile app is extremely convenient and easy to do an NPS balance check. Download the app on your smartphone and follow these steps to check your NPS balance:

Install and launch the app.
Enter your PRAN and password to log in to your account.
View the NPS holding amount on the current date, including Tier I and II amounts, with all transaction details.

Apart from viewing the balance, you can also use the app to manage your email ID and phone number, make withdrawals from your Tier II account, and avail of other available services.

How to Get Your NPS Balance Via Missed Call Service?

NPS balance check via missed call is one of the easiest and fastest methods of checking statements. Follow these steps to register for the missed call service:

Log on to the NSDL website or open the app.
Log in to the NPS account using your PRAN or IPIN and password.
Click ‘Profile Settings’.
Register for ‘Missed Call Alerts’ by entering your correct mobile number.

Once you register for the ‘Missed Call Alerts’, give a missed call to 18002100080, and you will receive your NPS balance information through a return call.

How to Get Your NPS Balance via Email Alerts?

NPS offers the convenience of email alerts to send your account information to your mailbox. Follow these steps to configure your NPS account for email alerts:

Log on to the NSDL website or open the NPS app.
Log in using PRAN or IPIN and password.
Enter your ‘Profile Settings’.
Update your email address.
You will receive a confirmation mail in your email ID.
Click ‘Confirm’ to configure your email ID for email alerts.

You will receive one NPS statement in a year by post and email. If you need more statements in between, request one online and receive a detailed statement via email.

Prerequisites for Checking NPS Balance

These are some technologically advanced ways for NPS balance checks. However, you still need a few things to check your balance using any of these methods. Below are the prerequisites for checking the NPS balance:

NPS Account Number: When you become an NPS subscriber, you receive an NPS account number that becomes a unique identification number for your identity.
PRAN (Permanent Retirement Account Number): The Permanent Retirement Account Number or PRAN is a unique 12-digit account number each individual joining the National Pension System receives. It is identification for new and existing subscribers, giving them access to pension funds for life.
Internet Connection: If you check your NPS balance online via website, app, or email, you will need a stable internet connection for a smooth NPS balance check. Without an internet connection, you cannot request an NPS statement through these mediums, making them useless. However, in the absence of the internet, you can check your NPS balance using the SMS or missed call service.
Access to Registered Mobile Number and Email ID: When you request an account statement via SMS or email, ensure you have access to them so you can check your statement when they arrive. You may also receive a confirmation message that you must confirm to receive the statement.

Frequently Asked Questions

Q: How can I check my total contribution in NPS?

You can check your total NPS contribution by checking your account statement. When requesting the statement, it shows your contributions, withdrawals, and account balance.

Q: How do I access my NPS account?

You can access your NPS account by entering your PRAN or IPIN at the NSDL website or app.

Q: How can I check my personal details in NPS?

Visit the website or open the app, log in to your account using your PRAN or IPIN and password, and browse your profile settings to check your personal details. You can also update them using the ‘Edit’ button.

Q: Can I withdraw money from NPS?

NPS allows partial withdrawals with certain limitations. First, they have a lock-in period before which you cannot withdraw. You can withdraw only a certain percentage of the accumulated corpus with at least five years of gap between each withdrawal, not exceeding three withdrawals during the tenure. Moreover, you can only withdraw money from your NPS account for specific reasons, such as children's education, wedding, medical treatment, or house purchase.