Who needs this service?
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Indian Citizens (Resident, NRI, or OCI) aged 18 to 70 years.
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Private employees, self-employed individuals, homemakers, or freelancers wanting a monthly pension.
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Anyone not covered by the old government pension scheme.
Required documents
Keep these ready as scanned .jpeg or .jpg files (size 4KB–2MB):
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Aadhaar Card (Linked to your Mobile Number for OTP).
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PAN Card (Must be linked to Aadhaar).
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Active Bank Account details (Account Number & IFSC).
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Cancelled Cheque (with your name printed) or Bank Passbook front page.
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Scanned Photograph (Passport size).
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Scanned Signature (Sign on white paper with black ink).
Online application process (Step-by-Step)
This is the fastest method (Paperless). You can use Protean (formerly NSDL), KFintech, or CAMS. The process is similar for all.
1. Go to the Official eNPS Portal:
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Protean (NSDL): https://enps.nps-proteantech.in/registration
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(Alternate: KFintech – https://nps.kfintech.com)
2. Start Registration:
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Click on “National Pension System” > “Registration”.
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Register With: Select “Aadhaar Online/Offline e-KYC”.
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Applicant Type: Select “Individual Subscriber”.
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Status: Select “Citizen of India”.
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Account Type: Select “Tier I only” (Mandatory for pension) or “Tier I & Tier II”.
3. Enter Personal Details:
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Enter Aadhaar Number and generate OTP.
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Enter OTP sent to your Aadhaar-linked mobile.
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System will auto-fetch your photo and DoB from Aadhaar.
4. Fill Bank & Nominee Details:
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Enter exact Bank Account Number and IFSC (Must match your name).
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Enter Nominee details (Name, DoB, Relationship).
5. Choose Investment Option:
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Pension Fund Manager: Choose one (e.g., SBI, LIC, HDFC, ICICI).
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Investment Choice:
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Auto Choice: (Recommended for beginners) Money is automatically managed based on your age.
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Active Choice: You decide the % split between Equity (Stocks) and Debt.
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6. Payment & E-Sign:
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Make the minimum initial payment of ₹500 via Net Banking/UPI.
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After payment, select “e-Sign”. An OTP will be sent to your Aadhaar mobile again.
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Success: Your PRAN (Permanent Retirement Account Number) is generated instantly.
Note: If you do not “e-Sign”, you must print the form and courier it to the CRA address within 30 days. E-Sign is strictly recommended.
Offline process (District Office)
If you cannot do it online, you must visit a Point of Presence (POP-SP). These are designated bank branches or post offices.
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Locate a POP-SP: Visit the Find Your Nearest POP page.
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Get the Form: Ask for the CSRF (Subscriber Registration Form).
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Fill & Submit:
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Attach self-attested copies of Aadhaar, PAN, and Cancelled Cheque.
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Paste a recent passport-size photo.
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Payment: Submit a cheque or Demand Draft (Minimum ₹500) in favor of “POP <Name of Bank> Collection Account – NPS Trust”.
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Receipt: Collect the acknowledgement receipt with a 17-digit number.
How to check status/track application
If you haven’t received your PRAN or Welcome Kit yet:
1. Track PRAN Dispatch Status:
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Visit: https://cra.nps-proteantech.in/CRA/pranCardStatusInput.do
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Enter your PRAN or PPAN (Receipt number if offline).
2. Login to Account (after PRAN generation):
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Click “Login with PRAN/IPIN”.
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First time users: Click “Reset Password” to create your password using your PRAN and DoB.
Common problems and solutions
| Problem | Reason | Solution |
| “Details Mismatch” Error | Name on PAN does not match Name on Aadhaar exactly. | Update PAN or Aadhaar first so names match 100%. |
| Payment Deducted but PRAN not Generated | Session timeout during banking transaction. | Wait 2-3 working days for refund. If not, email grievances@npstrust.org.in with transaction ID. |
| KYC Rejection | Uploaded photo/signature is blurry or bank details don’t match. | Login to the portal using the “Ack No” (sent to email) and re-upload clear documents. |
| “Account Frozen” | You did not contribute the minimum ₹1,000 in the last financial year. | Login and make a contribution of min. ₹500 + penalty (approx ₹100) to unfreeze. |
| Cannot Reset Password | Mobile number/Email changed or incorrect in records. | Submit Form S2 (Subscriber Details Change) to your nearest POP-SP (Bank). |
Official helpline numbers and contact
Use these for official support. Do not trust random numbers on Google.
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NPS Trust Helpline:
+91-11-35655222(Mon-Fri, 9:30 AM – 6:00 PM) -
Protean (NSDL) CRA Toll-Free:
1800 222 080 -
KFintech CRA Toll-Free:
1800 208 1516 -
CAMS CRA Toll-Free:
1800 572 6557 -
WhatsApp Support (NPS Trust):
+91-85888 52130 -
Email for Grievances:
grievances@npstrust.org.in
This information is from official sources (PFRDA, NPS Trust) as of January 2026. Always verify on the official eNPS portal for the latest updates.
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