How to Check NPS Balance

The National Pension System (NPS) is a government-backed retirement savings plan regulated by the Pension Fund Regulatory and Development Authority (PFRDA). It provides financial security for individuals in both private and public sectors. Regularly checking your NPS balance helps ensure you are on track with your retirement goals.

Your NPS balance depends on two key factors: the voluntary contributions you make each year and the returns generated from investing 40% of the corpus in annuities. While a Statement of Transaction (SOT) is sent annually to your registered address and email, you can check your balance more frequently using various methods.

This guide will help you understand how to check your NPS balance and access your account statement conveniently for better financial planning.

What are the Requirements for Checking Your NPS Balance?

You need to have a few essential details and tools, to check the NPS balance using different methods. They are:

• NPS Account Number: This unique number is assigned to you when you register as an NPS subscriber. It serves as your account identification.
• PRAN (Permanent Retirement Account Number): A 12-digit unique number provided to all NPS subscribers. PRAN helps you access your pension account and funds.
• Internet Connection and Device: If checking your balance via a website, mobile app, or email, a stable internet connection is essential. However, you can also check your balance via SMS or missed call service without internet access.
• Registered Mobile Number and Email: Ensure you have access to your registered phone and email, as they are required for receiving account statements and confirmation messages.

How to Check NPS Balance Online?

You can check your NPS Balance online in numerous ways. Here is how to check NPS balance using PRAN online:

1. Through Official Website

• Visit the official NPS website: NPS Portal.
• Click on ‘Login with PRAN’ and enter your PRAN along with your password.
• Enter the captcha, tick the acknowledgement box, and log in.
• Select ‘Holding Statement’ to view your total NPS balance.
• Click on ‘Transaction Statement’ for detailed contribution history.

1. Through CRA Website

• Log in to the Protean or KFintech CRA website with your PRAN and password.
• Navigate to ‘Transaction Statement’.
• Select ‘Holding Statement’ to see your balance.
• View your contributions and transaction details.

1. Through the NPS Mobile App

• Download the NPS Mobile App from the Play Store or App Store.
• Log in using your PRAN and password.
• View your current NPS balance, including Tier I and Tier II holdings.

1. Through Umang App

• Install the UMANG app, which offers government e-services.
• Search for NPS, log in with your credentials, and check your balance.

1. Through Email Alerts

• Log in to the NPS website or mobile app using your PRAN and password.
• Go to ‘Profile Settings’ and update your email address.
• A confirmation email will be sent to your registered email ID.
• Click ‘Confirm’ to activate email alerts for regular balance updates.

How to Know NPS Account Balance Through Missed Call?

Checking your NPS balance via a missed call is one of the quickest and most convenient methods. To activate this service:

1. Register for Missed Call Alerts

• Log in to your NPS account through the official website or mobile app.
• Go to ‘Profile Settings’ and update your mobile number.
• Enable the missed call alert service.

1. Check Your Balance

• After registration, give a missed call to 18002100080 from your registered mobile number.
• You will receive a call back with details of your NPS balance.

How to Check NPS Balance via SMS?

You can also check your NPS balance through a simple missed call-based SMS service:

• Dial 9212993399 from your registered mobile number.
• After a few moments, you will receive an SMS with your current NPS balance details.

How to Check Corporate NPS Balance?

The NPS Corporate Sector Model is designed for all types of organisations, including private companies, PSUs, CPSEs, and other corporate entities. It enables employers to offer NPS benefits as part of their employees' retirement planning. 

Corporates can register for NPS through any of the authorised Point of Presence (POP) service providers. Corporates can register for NPS through authorised Point of Presence (POP) service providers. Employee contributions are deducted directly from their salary, and if the employer also contributes, both amounts are transferred to the selected POP by the company's head office.

Employees under the Corporate NPS model can check their NPS balance using the same methods as individual subscribers including online portals, mobile apps, CRA websites, SMS alerts, and missed call services. This makes it easy for them to track their retirement savings anytime.

Final Words

Understanding how to check NPS balance is essential for keeping track of your retirement savings and ensuring financial stability. Whether through online portals, mobile apps, or SMS alerts, staying updated on your NPS balance helps you plan better for the future.

Beyond NPS, diversifying your investments can further enhance your financial security. Fixed Deposits (FDs) are a reliable option, offering stable returns with minimal risk. With Stable Money’s FDs providing interest rates of up to 9.1%, you can grow your savings securely while maintaining financial flexibility.

Explore Stable Money today and take a balanced approach to financial growth and security on your retirement journey.