Statement of Transaction
On-demand PDF of contributions, units, NAV and corpus value from the CRA portal.
Account Services
Account Services
Everything you can do with a live NPS account.
Keep your profile current
Update personal and KYC details
Name, address, contact, and bank details sit with your CRA (Protean, KFin, or CAMS) and can be changed online or at a Point of Presence.
OnlineMobile, email, address
Bank changeNeeds cancelled cheque
OfflineForm S2 at a PoP
Re-KYCWhen details change
1
Log in to CRA
Use your PRAN and password on your CRA portal or mobile app.
2
Open & edit the field
Go to Demographic Changes / Update Personal Details and update mobile, email, or Aadhaar/address.
3
Add proof for bank
A bank-detail change requires a cancelled cheque or bank proof.
4
Authenticate
Confirm with the OTP sent to your registered mobile, or e-Sign.
Read more — what needs proof and what doesn’t
Field by field, here is what clears instantly and what the CRA holds back for a check.
Good to know
- Mobile, email and Aadhaar-linked address usually update the moment the OTP is confirmed
- A name change needs an officially valid document and is verified before it takes effect — it is not instant
- Keep the name on your NPS record matching your PAN and bank, or contributions and withdrawals can get held up
- Periodic re-KYC may be sought even when nothing has changed, to keep the account compliant
Who receives the corpus
Add or change a nominee
You can nominate up to three people, with percentage shares that total 100. The online process is fully paperless.
Up to 3Nominees per account
100%Shares must total
Tier INomination mandatory
OfflineForm S2 at a PoP
1
Log in to CRA
Sign in with your PRAN and password.
2
Open Add/Update Nominee
Go to Update Personal Details, then Add/Update Nominee, and pick Tier I or Tier II.
3
Enter nominees
Add up to three nominees with shares totalling 100%.
4
Authenticate
Submit the OTP and e-Sign to record the change.
Read more — why nominees matter
Nominee details drive payouts on death. If they are missing or stale, the claim falls back to legal-heir documentation, which slows settlement.
Rules
- Up to three nominees across Tier I and Tier II
- Set at registration and changeable online anytime — mandatory for Tier I, optional for Tier II
- Shares must add up to 100%
- A minor nominee needs a guardian named
- Fully digital with OTP + e-Sign, or offline via Form S2
How your money is invested
Change pension fund or scheme
Switch Pension Fund Manager, move between Active and Auto Choice, or revise your asset allocation — within the prescribed frequency caps.
Raise an OTP-based request in your CRA portal to change your Pension Fund Manager, switch between Active and Auto Choice, or revise how your contributions are split across the E, C, and G asset classes. Your registered mobile number must be active for the OTP.
PFM changeOnce per financial year
Scheme preferencePer PFRDA caps
Active ChoiceEquity within the cap
Auto ChoiceLC75 / LC50 / LC25
1
Log in to CRA
Sign in with your PRAN and password.
2
Scheme Preference Change
Open the change-scheme option in the portal.
3
Choose your change
Pick a new PFM, switch Active/Auto, or revise allocation.
4
Confirm with OTP
Authenticate the request with the OTP on your mobile.
PFM and scheme-preference changes are capped by PFRDA to discourage performance-chasing. Evaluate a switch over multi-year windows, not one-year returns.
Track your corpus
View contributions and statements
Your Statement of Transaction (SoT) shows contributions, units allotted, NAV, switches, and current value. Generate it any time from the CRA portal or app, or wait for the Annual Transaction Statement (ATS) the CRA emails after the financial year. Contributions made via D-Remit can get same-day NAV when received before the cut-off.
Annual Transaction Statement
A yearly summary the CRA emails within a few months of the financial year end.
Contribution & NAV
Direct Remittance gives same-day NAV when the contribution is received before the cut-off.
Read more — reconciling contributions
A contribution is not credited the instant you pay — it appears only after the CRA reconciles the money received from the Trustee Bank and allots units at the applicable NAV.
Why the timing varies
- A regular contribution via a PoP or eNPS takes a day or two to reflect once the funds are confirmed
- D-Remit, paid to your virtual account before the cut-off, gets same-day NAV — the fastest route
- If a credit is still missing well past the usual window, first check the payment actually debited, then raise a grievance quoting the transaction reference
- Beyond the CRA portal and app, your statements are also available through the government UMANG app
Get things done
Raise and track service requests
Most account requests can be raised online and tracked with a reference number; a Point of Presence is the offline fallback.
Requests such as detail changes, Tier II activation, or reissue of credentials can be raised in the CRA portal or app, or submitted at a Point of Presence. Each request is authenticated and generates a reference you can use to track progress to closure.
1
Raise the request
Use the CRA portal or app, or submit at a PoP.
2
Authenticate & get a reference
Confirm with the OTP on your registered mobile; a request / token number is generated.
3
Track it
Follow status on the CRA portal or via the call centre.
4
Resolution
The request is actioned within the applicable timeline.
OnlineCRA portal or app
OfflinePoint of Presence
ReferenceTrack by token
SecureOTP-authenticated
Source & disclaimer
Compiled from the NPS Trust (npstrust.org.in), PFRDA (pfrda.org.in), and the CRA portals (Protean, KFin, CAMS) that publish subscriber-servicing guidance. Steps and screens differ slightly across CRAs.
NPS Desk is an independent educational platform and is not affiliated with PFRDA, the NPS Trust, or any CRA. Processes, timelines, and contact details change — always confirm on the official PFRDA, NPS Trust, or CRA channels before acting.
Manage your account
Get the forms and help you need
Download the right form for a change to your account, or reach out to support if something needs a hand.