eNPS portal
enps.nsdl.com is the online registration and login point for new and existing subscribers. New users can complete e-KYC, choose a CRA and PFM, and generate a PRAN; existing users can contribute and view balances.
Open eNPSOperations
Account Services
Subscriber-facing operations index: login pointers, PRAN registration paths, profile and KYC updates, nominee management, and grievance routing.
Section 01
Login and PRAN
Every NPS account is keyed to a 12-digit Permanent Retirement Account Number issued at registration and valid for life.
CRA portals
Existing subscribers can log in directly to their CRA: cra-nsdl.com for Protean CRA or the KFin CRA portal. The portal handles transactions, switches, statements, nominee updates, and grievance lodgement.
Forgot PRAN or login
PRAN can be retrieved through the CRA portal using PAN and date of birth, or by contacting the PoP that opened the account. Login passwords can be reset on the portal using registered mobile or email OTP.
Section 02
KYC and profile updates
Profile data is held by the CRA and can be updated by the subscriber online or through a PoP. KYC must be kept current for contributions and exit to flow without holds.
Permitted KYC methods
NPS accepts Aadhaar-based e-KYC, PAN-based KYC, Central KYC (CKYC), and physical KYC through a PoP. Online registration through eNPS uses Aadhaar OTP or PAN with bank-level KYC.
Updating personal details
Name, address, contact details, and bank account details can be updated through the CRA portal or app, or by submitting a subscriber details change request (S2) through a PoP. Some changes require supporting documents.
Frequency
There is no fixed re-KYC cadence for NPS, but subscribers should refresh KYC whenever address, identity, or bank details change so contributions, withdrawals, and exit can be processed without delay.
Section 03
Nominee management
Nominees can be added at registration or updated later. NPS supports up to three nominees per account with declared percentage shares.
Adding a nominee
Nominee details are captured at registration. A subscriber can nominate up to three individuals across Tier I and Tier II, with percentage shares that must total 100. Minor nominees require a guardian to be named.
Updating a nominee
Nominees can be changed through the CRA portal or app, or by submitting a subscriber details change request through a PoP. Updates take effect once accepted into the CRA records.
Why nominees matter
Nominee details drive payouts on death. If nominee details are missing or stale, the claim falls back to legal heir documentation, which slows settlement and adds paperwork.
Section 04
Statement of Transaction
Subscribers can pull a Statement of Transaction (SoT) on demand or rely on the periodic Annual Transaction Statement (ATS) sent by the CRA.
On-demand SoT
The SoT shows contributions, units allotted, switches, NAV, and corpus value. It can be generated on the CRA portal or app at any time and downloaded as a PDF.
Annual Transaction Statement (ATS)
The CRA sends an ATS once a year summarising contributions, returns, and balances by scheme. It is also available on demand on the portal.
Reconciling contributions
Contributions show in the SoT once the CRA has reconciled them with the Trustee Bank. D-Remit credits typically clear faster and are eligible for same-day NAV when received before the cut-off.
Section 05
Grievance redressal
PFRDA prescribes a structured, multi-level grievance redressal process under its Redressal of Subscriber Grievance Regulations. Most issues resolve at the intermediary level.
Level 1: CGMS through CRA
Complaints are first lodged through the Central Grievance Management System on the CRA portal, by toll-free customer care, or by submitting Form G1 at a PoP. Each complaint gets a unique token number and a 21-30 day response window.
Level 2: NPS Trust
If unresolved or unsatisfactory, the grievance is escalated to the NPS Trust through the Pension Sahayak portal or by email to grievances@npstrust.org.in.
Level 3: Ombudsman
If still unresolved 21 days after NPS Trust escalation, the matter can be filed with the PFRDA-appointed Ombudsman, who attempts a settlement or issues a formal award.
Levels 4 and 5: PFRDA and SAT
Decisions of the Ombudsman can be taken to the PFRDA designated member for regulatory review, and ultimately to the Securities Appellate Tribunal as the final appellate forum.
Source note
Drawn from the NPS Master Document and Chapter 10 and 11 (account operations and subscriber servicing). Channel availability and step counts may vary across CRAs and PoPs.
Also under reference
Related sections
Reference directoryNPS IntermediariesPFMs, CRAs, PoPs, Trustee Bank, Custodian, ASPs.ToolsPerformance DashboardScheme E / C / G returns and PFM comparisons.Reference directoryForms & DownloadsRegistration, contribution, withdrawal, exit, and claim forms.Reference directoryResourcesRegulations, circulars, NPS Trust documents, FAQs.ToolsCalculatorsRetirement, tax, corpus, annuity, and goal-planning calculators.OperationsHelp & SupportContact, PoP locator, CRA services, helpdesk, subscriber charter.