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 details current, manage nominees, change how your money is invested, pull statements, and raise service requests. Most of this is self-service through your CRA portal or app; a Point of Presence handles the rest.
Keep your profile current
Update personal and KYC details
Name, address, contact, and bank details are held by your CRA and can be changed online or through a Point of Presence.
Log in to your CRA portal (Protean, KFin, or CAMS) with your PRAN and password. Mobile number, email, and Aadhaar-based address can be updated online with an OTP; a bank-account change needs documentary proof such as a cancelled cheque. If you prefer offline, submit Form S2 at a Point of Presence.
1
Log in to CRA
Use your PRAN and password on your CRA portal or mobile app.
2
Open the update section
Choose Demographic Changes / Update Personal Details.
3
Edit the field
Update mobile, email, or Aadhaar/address as needed.
4
Add proof for bank
A bank-detail change requires a cancelled cheque or bank proof.
5
Authenticate
Confirm with the OTP sent to your registered mobile, or e-Sign.
OnlineMobile, email, address
Bank changeNeeds cancelled cheque
OfflineForm S2 at a PoP
Re-KYCWhen details change
Read more — what needs proof and what doesn’t
Contact details (mobile, email) and Aadhaar-verified address can be self-updated online with an OTP. Changes to name or bank account generally need supporting documents.
Good to know
- Keep KYC current so contributions, withdrawals, and exit process without holds
- Bank proof: cancelled cheque showing name, account number and IFSC
- Offline route: Form S2 (Subscriber Details Change) at a PoP
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.
Nomination is captured at registration and can be changed later, online, through the CRA portal. Nomination is mandatory for Tier I and optional for Tier II. The change is authenticated with an OTP and an e-Sign, so no paperwork is needed.
1
Log in to CRA
Sign in with your PRAN and password.
2
Demographic Changes
Open Update Personal Details, then Add/Update Nominee.
3
Pick the tier
Choose Tier I or Tier II for the nomination.
4
Enter nominees
Add up to three nominees with shares totalling 100%.
5
Authenticate
Submit the OTP and e-Sign to record the change.
Up to 3Nominees per account
100%Shares must total
Tier INomination mandatory
OfflineForm S2 at a PoP
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
- 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.
Read more — Active vs Auto Choice
Active Choice lets you set the split across Equity (E), Corporate Debt (C), and Government Securities (G), within the equity cap. Auto Choice runs a lifecycle glidepath that tapers equity as you age.
Lifecycle funds
- LC75 — aggressive, up to 75% equity to age 35
- LC50 — moderate, up to 50% equity
- LC25 — conservative, up to 25% equity
- PFM change: once per financial year per tier
Track your corpus
View contributions and statements
Pull a Statement of Transaction on demand, or rely on the Annual Transaction Statement the CRA emails you.
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.
On demandStatement of Transaction
YearlyEmailed by the CRA
DownloadCRA portal or app
Also onUMANG app
Read more — reconciling contributions
A contribution shows in the SoT once the CRA reconciles it with the Trustee Bank. D-Remit credits typically clear faster and are eligible for same-day NAV.
Where to get statements
- CRA portal (Protean / KFin / CAMS) under Transaction Statement
- CRA mobile app or the UMANG app
- Annual statement is emailed to your registered address
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
Confirm with the OTP on your registered mobile.
3
Get a reference
A request / token number is generated.
4
Track it
Follow status on the CRA portal or via the call centre.
5
Resolution
The request is actioned within the applicable timeline.
OnlineCRA portal or app
OfflinePoint of Presence
ReferenceTrack by token
TurnaroundPer service standard
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
Sign in to your NPS account
Log in to your CRA to update details, manage nominees, switch schemes, and download statements.