5 simple steps to open NPS account online using e-NPS

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enps onlineNPS is one of the great ways to save for your retirement corpus in India. NPS is attractive because it also provides an additional tax benefit of Rs.50,000 per annum. This additional tax benefit is a big advantage for anyone who is looking to save for their retirement corpus. NPS is regulated by PFRDA under Government of India.

Pension Fund Regulatory Development Authority has recently introduced 2 models under the NPS system:

  1. All citizen model: This scheme is open to all citizens of India
  2. NPS for corporate: This scheme is open to employees of corporate

All Citizen Model” is open to all Citizens of India and NRI’s between the age group of 18 to 60. Under NPS, two types of Tiers are available to the subscribers – Tier I and Tier II. The contributions in Tier I account are savings for retirement and are non-withdrawal. Tier II account is a voluntary saving account and you can freely withdraw amount.

Opening NPS has become easy and simple, now you can open Individual pension account (only Tier I or Tier I & Tier II) online using eNPS system, which is managed by National Pension System Trust. They recently started this online registration as a pilot phase.

See also: NPS withdrawal process and procedures with different types of withdrawal forms

These are 5 simple steps to open National pension scheme (NPS) online using e-NPS

Step 1: Open NPS using the new e-NPS system online and need to complete your KYC using your Aadhaar through OTP authentication, One Time Password (OTP) authentication will be sent to the mobile number registered with the Aadhaar (Aadhaar card is a must for opening for e-NPS account online).

Step 2: Subscriber’s details will be obtained from Aadhaar database including photograph and this will be populated in a online form. Next, you need to scan and upload your signature as part of registration process. You also have the option to replace your photo fetched from Aadhaar system.

Step 3: Next, applicant will be directed to a payment gateway where he/she can make an initial payment to open the account. The initial payment will be minimum of Rs. 500. Payment can be made through internet banking or debit/credit card. Once the initial payment is success, a PRAN (Permanent Retirement Account Number) will be allotted to you.

Step 4: Once your account opening process completed, PRAN kit containing a “PRAN Card”, “IPIN/TPIN”, “Scheme Information Booklet”, “Subscriber Master Report” along with a welcome letter will be sent to your registered address.

Step 5: You need to take a printout, sign the form and paste your photograph and sent to the CRA address within 180 days from the date of allotment of PRAN or your PRAN will be ‘frozen’ temporarily.

 

If you have any doubts regarding eNPS, kindly leave your comments. We would try our level best to address those.

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91 Comments

  1. Rahul says

    Can somebody help me in this,
    I have opened an NPS account through SBI online portal (by net banking) I got the PRAN no also. But At the end of the process it says that I have to send that print out of form to NPS head office I.e at lower parel Mumbai. I personally went there to submit but they said the last part of form should me filled from bank.
    I went to bank also, but bank people also don’t know what is to done. Now what I do?? I called to customer care team for this and they said that POP or SOP number should be given by bank.

    1. Mohammad Ali says

      Rahul, only designated SBI branches i.e. Point of Presence-Service Provider (POP-SP) accept the application form and get the subscribers registered with Central Record keeping Agency (CRA). Kindly call the SBI 1800112211 or email to nps.ccmum@sbi.co.in.

  2. A SRINIVASAN says

    Dear Sir,

    I would like to Open eNPS, but I am working in Kenya, how can I open through online Sbi, without delay? I have Net banking from Sbi – NRE
    account. Which is easy and Fast way to open eNPS through Aadhar base or PAN card?

    Please advise and Reply me as soon as, because I want start my investment before end of March31, 2017.
    A. SRINIVASAN, KARAIKUDI,

  3. Vikas says

    Hi,

    I opened Tier1 account on eNPS portal successfully.Even my PRAN has also generated.
    But in last when I try to do esign subscriber registration form (paperless) and try to generate OTP then it throws error like this “There is an error while generating OTP”

    can you please tell me how to proceed? I think if I can authenticate by this way then no need to send the form to CRA.

  4. anil says

    Hello Sir, I have confusion about NPS and APY. I have opened account already in APY. so can i open both NPS and APY?

    1. Mohammad Ali says

      Yes Anil, you can open both APY and NPS. APY does not attract any tax benefit but NPS does.

  5. Atish says

    Do we need to get the printed form of eNPS signed n authorised by branch manager of the bank thru which we are going to make contributions in NPS

  6. Sunil kumar says

    Sir,
    Please make necessary arrangements to add Federal Bank in the banks list for eNPS registration for NRI.
    Sunil Jeddah

  7. Raj says

    Do we need to send the printout of the esigned eNPS form to nodal office?

    How long will it take for us to get the username and password?

    1. Mohammad Ali says

      The NPS Printout form should be submitted within 180 days from the date of registration.
      Email and SMS alert will be sent to the subscriber on successful generation of the PRAN. PRAN Card will be Printed and it will be despatched within 20 days from the date of receipt of duly filled registration form.

  8. ARUN KANTI MUKHOPADHYAY says

    I have applied for NPS account last year.but could not get my PRAN and NPS account no. I visited the branch where I submitted my application, and bank debited the bank charges also but never got the NPS account hence could not able to deposit my contribution. Name of The Bank is Stat Bank of Travankore_Super Mart Gurgaon. the acknowledgment no is 11627170500003354.
    Regards

    1. Mohammad Ali says

      Hi Arun, In case of non-receipt of the PRAN Card, a Subscriber can check with the ssociated nodal office who has submitted the form to CRA-FC or he/she can check the status by accessing CRA website : http://www.npscra.nsdl.co.in and click on link “Track the status of the PRAN Card”. Subscribers can also call at CRA’s toll free number 1800 222 080.

  9. Swapnil says

    Hi I have done online eNPS registration through ADHAR. After registration signature and photo is already present on the Form.So do I still need to again paste photo and sign again before sending its printout to Central Rrecord Kepping Agency? Also I can’t see my initial contribution of Rs500

    1. Mohammad Ali says

      Yes Swapnil,
      After online registration, subscriber needs to take a printout of the filled in-form, paste a photograph, affix the signature and
      sends it to Central Record Keeping Agency. The Subscriber should sign on the block provided for signature and The photograph should not be stapled or clipped to the form.

  10. PALANISAMY A says

    Hi,

    Thanks for this valuable post.
    I am interested to open the NPS account.

    What is the advantage & disadvantage of NPS account opening in eNPS online vs NPS account in ICICI bank.

    Any major difference on eNPS online account and NPS account in private banks.

    Regards,
    PALANISAMY A

    1. Mohammad Ali says

      There is no major difference on eNPS and NPS account in private banks. Hence start investing today for a prosperous future.

  11. manish says

    Hi I have done online eNPS registration through ADHAR. After registration signature and photo is already present on the Form.So do I still need to again paste photo and sign again before sending its printout to Central Rrecord Kepping Agency?

  12. Abir Banerjee says

    Hi,
    due to some issue my application in incomplete. My ack number in 11139648. But i am not able to complete my registration. Please help me regarding this.

  13. Sandeep says

    Is APY & NPS holds same PRAN ?
    Can we increase amount in APY?
    What is the exact difference in between?

  14. Pd says

    After opening enps account I already processed about initial contribution but when I am opening my account from nsdl I can’t see my contribution of my tier 1 and tier2 account can you please help me out in this matter? Thanks in advance

  15. Chandra Shekhar Pandey says

    Hi,

    Thanks for this valuable post. I did online registration and selected SBI Pension Funds. My queries are:

    1) eNPS form should be sent via courier or speed-post or Standard Post.

    2) I believe as I already did this online, I don’t need to go to SBI bank, going SBI and making things work in SBI is complex. If I have to go even after online registration, than ICICI would be better.

    Please suggest.

  16. Girish says

    what is the exactly procedure to open the offline account for nps through sbi bank ?

    1. Mohammad Ali says

      Hi Girish,
      Steps to open NPS in SBI bank
      1. Walk into any of the NPS designated SBI branch (Contact nps.ccmum@sbi.co.in or call at 1800112211 to get the details of nearby designated SBI branch)
      2. Fillup the NPS registration form
      3. Photo Id proof, Date of birth proof and Address proof are required to be submitted along with application form.

  17. Girish says

    please advice if I want to open nps account through ICICI bank is it valid or I have to open nps account in SBI only. ?

  18. Girish says

    I am not understand what is tier1 & tier2, please help
    Also I want to know, is there any cash withdrawal facility in between from my nps account ? if yes how much I can withdrawal if no then why ?

    1. Mohammad Ali says

      Girish, Tier 1 & Tier 2 is quite similar in all respects except for the withdrawal conditions. You can withdraw your money from the Tier 2 account any time without any penalties.

  19. srinivas says

    Sir,im trying to convert my account from tire1 to tire2,,in that process 4th step what is the meaning of pan card scanned ,it means two side scan or one side,and what is cancelation cheque,,but I don’t have cheque book,,,and how can I proceed,,plz tell me

  20. mukesh verma says

    Dear ali hi,
    i am going to register at this portal but i didn’t find my bank in bank list, may be private banks are not listed.

    how i can avail this facility…?
    i should open account in one of the listed bank.

    regards
    Mukesh

  21. Dr Prashant Dhanavade says

    Hello,

    My query is regarding the KYC verification by the bank after completing registration for eNPS using PAN card. I could successfully register and my PRAN has been generated. I had provided details of my local SBI branch. Now my PRAN account appears frozen as bank has not yet completed KYC. I visited the SBI bank branch and they seemed to be unaware of any such process for eNPS KYC verification. Now I am stuck as eNPS responded that nothing can be done from their end and the bank is clueless on what needs to be done. Calls/E-mails to eNPS customer care did not yield any help, they simply tell that I have to sort it out with my bank and there is nothing they can do.
    This is the exact bureaucracy I dreaded before opting for this scheme offered by the government.
    Any guidance on how to train my bank for the job they are responsible for or any other work around will be highly appreciated.
    Thought I will share my experience so that others can avoid this pain by registering for eNPS using PAN card.

  22. R Ramnath says

    Dear Sir,

    Thanks for educating people to use this e-NPS facility, you have saved lot of people`s
    man hours.

    I have applied for NPS through e-NPS
    Paid the fee , took print out and sent the application to CRDA.
    Now I have received the welcome kit and PRAN card.

    So If I have received the PRAN card and kit, does it mean that my application
    has been received and accepted.
    Or Do I need to follow up somewhere.
    Thanks in advance,
    R Ramnath

    1. Mohammad Ali says

      Yes Ramnath, you are now ready to invest in NPS.

      No further follow up needed. 🙂

  23. Som says

    Hi

    I have mistakenly registered through eNPS for tier 1 account only. i wish to also register/enroll for tier 2. How do i correct it now. I am unable to register through the account now since. Please help

    1. Mohammad Ali says

      Hi Som,

      An active Tier 1 NPS Account is a MUST of obtaining a Tier 2 Account. Hence first open NPS Tier 1 account and once it is ACTIVE and then you can open Tier 2 account. PRAN Card is the only valid document required for opening an NPS Tier 2 Account.

  24. Bala says

    Hello Ali, First of all, Great job educating people like me on NPS.
    I tried registering (aadhar way) through the portal – gave HDFC bank account during registration and made payment through ICICI debit card. As both these banks are not in the list, I am in trouble? I have received a PRAN number though!

  25. Misha White says

    Hey Mohammad Ali

    Great article.Its been great to read such article.You can open a National Pension System (NPS) account online within 30 minutes. . The eNPS facility has made the NPS registration and contribution a very easy affair. Through the eNPS, the subscription to NPS has become easier than opening a bank account.The National Pension System (NPS) is a retirement saving scheme. This scheme is governed by the autonomous body Pension fund regulatory and development authority (PFRDA). This scheme was mainly designed for the government employee who, now, do not get the pension from the government. Since 2009, this scheme is open for all.

    Keep posting
    have a great day
    Misha White recently posted…Data Entry/Clerical (Temp) – Sausalito – To $20/hr.My Profile

  26. Surajit Paul says

    My adhaar card date of birth and pan card date of birth is not matching.so is there any issue for that.I am running a small travel agent shop. Can i apply NPS account plz suggest me.

  27. S GOPINATH says

    Dear Mohammed Ali

    With regard to NPS, I have two issues :

    After entering Aadhar OTP, getting message as ” There was an error fetching KYC details”.
    Can you please help.

    regards

    s gopinath

  28. M K Narsing Rao says

    Sir,My Acknowledgement No. 11076543 Dt: 24.5.2016. I had pay Rs 500.69 through Net Banking. but i am getting the message “REGISTRATION AGAINST THIS ACKNOWLEDGEMENT ID IS PENDING FOR CONFIRMATION FROM PAYMENT GATEWAY. PLEASE TRY AGAIN AFTER SOME TIME”. And when PRAN number will Come to me. Please give reply as soon as possible.

    1. Mohammad Ali says

      PRAN Card is despatched usually within 20 days from the day of receipt of duly filled registration form. In case of non-receipt of the PRAN Card, a Subscriber can check with the associated nodal office or he can check the status by accessing npscra.nsdl.co.in and click on link “Track the status of the PRAN Card”.

  29. Ashok Kumar Sahu says

    Dear Sir,
    I wanted to register under enps and my registration is not completed. I tried to make initial contribution through net banking. first time Rs.500 was deducted from my account but it shows transaction failure. next time I tried but same error. Both the times Rs.500.69 deducted from my bank account but PRAN not yet generated. My details are as follows:
    Ack No: 11067472
    Date: 16/04/2016
    Name: Ashok Kumar Sahu
    DOB: 12/01/1964
    Kindly guide what to do now as already Rs.1001.38 has already been debited to my account by SBI.
    Hope to get your response immediately.

  30. shashank tiwari says

    Dear sir ,
    i am a insurence companys employee.
    i want to open a NPS account , what is the proccess to open an account

  31. Mandar says

    Helo,

    If I applied online and paid fees on monday 28th March, will I be able to get the tax benefit for FY 2015-16 ???

  32. Anupam Srivastava says

    Dear Sir,
    Same error with me too, I wanted to register under eNPS and my registration could not be completed at the time of payment gateway.
    Now when I was trying to complete the registration again first the acknowledgement date is not clickable as 23/03/2016. Further after multiple times tring it opens another page saying ” Registration against this acknowledgement ID is pending for confirmation from payment Gateway. Please try again after some time.” But even after 2 hours , I am not able to register under New registration.

  33. Bijay Prasad Shah says

    Dear sir
    Please let me know if sbi ppf and nps and epf are same or different. If different, how? I want to open nps online my age is 49.

    1. Mohammad Ali says

      Bijay Sir,
      PPF, EPF and NPS are totally different.
      Investments made under the NPS scheme are used to invest in securities/equities keeping in mind the very long-term retirement planning goals of the investors. Retirement age is generally around 60 years. In the case of the PPF, it is simply a long-term investment scheme with 15-year tenure. EPF is a voluntary retirement savings for employees. Every year Indian government will decide the interest rate for EPF and PPF.
      All 3 products have proved to be quite good and there is no harm in holding all of these depending upon your need and age.

  34. vallivelraja says

    I am done with 4 steps ,, and in the 5 th step what are the documents we have to send along with application form..

    i tried to call this number many times but most of the time calls is not going and few times they are not picking..

    very very worst service.

    You can contact : 022 – 4090 4242 or write to: eNPS@nsdl.co.in with all details.

    I send out email to below email.. more then a week but still didnt get any reply at all..

  35. Chetan says

    Hi,

    After entering the adhar number and OTP I an getting a msg “There was an error fetching KYC details”.
    Can you please help.

    1. Mohammad Ali says

      This is purely a system/traffic problem, try after sometime

  36. SHAH APLA SURESH says

    i just allotted PRAN No but when i go for subsequent deposition of Rs 50000/= it shows that “entered detail is incorrect” for PRAN No and date of birth,

    What should i do for depositing the Rs 50000/= before 31-3-16

    1. Mohammad Ali says

      You can raise a grievance through the CRA Call center using the T-PIN

  37. SUMIT KUMAR MUKHERJEE says

    i am working in a PSU named sail. can i open nps scheme and which tier either I OR II. PLEASE CLEAR ME.

    1. Mohammad Ali says

      Yes Sumit, you can independently join NPS and contribute in Tier I and Tier II account.

  38. B chandra says

    I want to invest in NPS for I tax benefit but I am not having Pran so I have to get it open but for the current financial year only few days left. Kindly tell me how could I open Pran and invest in such a short period.

    1. Mohammad Ali says

      Hi Chandra, If you have an account in any of the 17 banks associated with the National Securities Depository Ltd and with your PAN linked on this account, you can easily apply online for an a eNPS account at enps.nsdl.com in 30 mins time.

  39. Abhishek says

    I am facing the same problem (gateway payment problem) from March 14, 2016. Just checked again same problem persist. What to do? anyone can help? It is also showing error when I tried to lodge online complaint at NSDL CRA site.

  40. sanjeev Kumar says

    Dear Manjit , Anbalagan and others who are facing that problem
    now enps site they have resolved this problem and payment action can be processed. I have paid the amount and d the amount PRAN is generated.

  41. Manjit says

    A lot of problem are facing by new applicant after unsuccessful payment. I am also facing same problem. I open account on 4 March 2016 with Acknowledgement Number is 11026888. Till today its showing the same error i.e pending confirmation for payment. Really, PFRDA should do something. There should be system to correct this type of problem. In case payment confirmation not received after 3 days, its automatically revert back to incomplete application.

  42. sanjeev Kumar says

    I am also facing the same problem as Mr Anbalagan R
    After successful registration on line , Payment action was not completed due to OTP issue. But now enps site is not opening the payment page under incomplete registration category. I have already post an email to enps @nsdl.com. I have also tried to contact on phone no 02240904242 but nobody has picked it. neither email has been replied till date , kindly help me how to make contribution.

  43. Anbalagan R says

    Dear sir/Mam,

    After succesful registration on line , not able to contribute due to SBI e pay gate way problem , kindly help me how to make contribution.
    My eNPS no 4127156,
    Acknowledgement ID ; 11026922.
    Date of Acknowledgement ; 04/03/2016.

  44. Vishal says

    What is the advantage of using eNPS vs facilities offered by banks? are we avoiding PoP Charges by using these facilities ?

  45. shiva kumar says

    dear sir
    i have account in nps before online system only.so my father also has decided to join enps.but my father was having account in andhra bank,but he is not having any internet banking service.so can i used my internet banking account to make first 500 premium payment to him,is it possible are not

  46. shiva kumar says

    dear sir
    i have account in nps before online system only.so my father also has decided to join enps.but my father has not having any internet banking account.so can i used my internet banking account to make first 500 premium payment to him,is it possible are not

  47. rajeeva ranjan says

    Dear Sir,
    Same error with me too, I wanted to register under enps and my registration is not completed as at the time of payment it was not effected. Now when I was trying to complete the registration an error is shown” Registration against this acknowledgement ID is pending for confirmation from payment Gateway. Please try again after some time. But even after 1 days, I am also not able to register under New registration. My details are as follows:

  48. ramesh says

    to 0pen nps a/c .off line in bengalore who is the agent .how much charge they kake?

  49. rajeev kumar simhj says

    Dear Sir,
    Same error with me too, I wanted to register under enps and my registration is not completed as at the time of payment it was not effected. Now when I was trying to complete the registration an error is shown” Registration against this acknowledgement ID is pending for confirmation from payment Gateway. Please try again after some time. But even after 3 days, I am also not able to register under New registration. My details are as follows:
    Ack No: 11020085
    Date: 21/02/2016
    Please enable me to either complete the registration of to register as new registration so that I can apply for PRAN.
    Hope to get your response immediately.

  50. abi says

    Dear sir
    What is the benifits of tier l & tier ll one time select and select tier l only options in enps

    1. Mohammad Ali says

      Tier-I is the compulsory account which as of now doesn’t allow withdrawals at all. Tier 2 is quite similar to Tier 1 in all respects except for the withdrawal conditions. You can withdraw money from Tier 2 account any time that you want without any penalties. However, you cannot open a Tier-II account unless you have Tier I account.

  51. K Mohan Reddy says

    My Acknowledgement No. 11022076 Dt: 25.2.2016. I am trying to pay the initial amount through payment gateway through Debit card. but i am getting the message “REGISTRATION AGAINST THIS ACKNOWLEDGEMENT ID IS PENDING FOR CONFIRMATION FROM PAYMENT GATEWAY. PLEASE TRY AGAIN AFTER SOME TIME”. neither the gateway is accepting the payment nor allowing to register new registration. I am trying for the past 9 hours.

  52. L. K. Chauhan says

    HELLO, If i open eNPS now on 24/02/16. is it possible to invest 4 times(since 4 min times is compulsory) before 31 march. to take benefit in income tax.

  53. manoj says

    Requesting eNPS authorities to rectify the payment problem at the earliest

  54. Sandeep says

    Thanks Ali.. Any news if the scheme will continue to be EET or in future it might become EEE.
    Also both tier 1 and tier 2 both are EET as of now or different?
    Finally you have mentioned tax benefits of 50000 in a year. I understand this is applicable only through tier 1 . Is that correct? And in order to get the complete benefit of 50,000 in a year how much will the investment be.
    Thanks for your patience:-)

  55. Sandeep Dandgawhal says

    Dear Sir,

    Same error with me too, I wanted to register under enps and my registration is not completed as at the time of payment mys systeme hanged because of internet issue and hence could not effect the payment. Now when I was trying to complete the registration an error is shown” Registration against this acknowledgement ID is pending for confirmation from payment Gateway. Please try again after some time. But even after 6 days, I am also not able to register under New registration. My details are as follows:

    Ack No: 11015621
    Date: 11/02/2016

    Please enable me to either complete the registration of to register as new registration so that I can apply for PRAN.

    Hope to get your response immediately.

  56. Sandeep says

    Hi Ali,

    Just got the courier today with the PRAN details. I had opened both Tier-I and Tier-II accounts. I am however still waiting for the I-PIN and T-PIN. I opened the eNPS site and navigated to the contribution page. I can see there are two Tier types. “Voluntary” and “Tier-II”. I could not see anything as “Tier-I”. So does this mean Tier-I is same as voluntary? Any insights?

    Thanks in advance

    Sandeep

  57. Anonymous says

    Dear Sir,

    I wanted to register under enps and my registration is not completed as my interest banking facility with corporation Bank was not active and hence could not affect the payment. Now when I was trying to complete the registration an error is shown” Registration against this acknowledgement ID is pending for confirmation from payment Gateway. Please try again after some time. I am also not able to register under New registration. My details are as follows:

    Name: Deepak Naranbhai Pandya
    Ack No: 11013494
    Date: 02/02/2016
    Date of Birth : 14/07/1971

    Please enable me to either complete the registration of to register as new registration so that I can apply for PRAN.

    Hope to get your response immediately.

    Thanks & regards

    Deepak Pandya
    Mob :9825306714| e mail. Deepak_14771@yahoo.co.in

  58. Aanchal says

    I have a nps account which was compulsory in my previous job(government job) .
    I changed my job and since then account is inoperative.
    How can I continue my nps account

  59. SATHEESAN says

    Dear Sir,

    I wanted to register under enps and my registration is not completed as my interest banking facility with corporation Bank was not active and hence could not affect the payment. Now when I was trying to complete the registration an error is shown” Registration against this acknowledgement ID is pending for confirmation from payment Gateway. Please try again after some time. I am also not able to register under New registration. My details are as follows:

    Name: Satheesan Tekkpatte
    PAN NO AAFPT4794H
    Ack No: 11010068
    Date: 15/01/2016
    Date of Birth : 10/10/1958

    Please enable me to either complete the registration of to register as new registration so that I can apply for PRAN
    Hope to get your response immediately.

    Thanks & regards

    Satheesan. T
    Ph No:|0484 2634089| Mob :9446292112| e mail. satheesant@federalbank.co.in

  60. Alex says

    Is there some one who do the NPS account opening services in chennai?

  61. A says

    I have Atal pension yojana can i also opt for NPS

  62. Anjani Kumar says

    Where is AADHAR OTP authentication, I can’t see this provision of OTP authentication and auto populating details. page simply asks PAN and bank name. And banks list is so poor.when we talk of banks: SBI, ICICI and HDFC comes to our mouth. But surprisingly none of these banks are available in the list.

  63. DILIP N SUTARIA says

    SIR I WANT TO OPEN ACCOUNT IN SBI BUT IT IS NOT AVAILABLE IN LIS

    1. Mohammad Ali says

      Hi Dilip, you can open NPS in SBI bank.. need to visit the SBI branch once for the registration formalities

  64. krishnan says

    there is no aadhaar no requirement as per the eNPS registration page. Very few banks enrolled for KYC. Is there any way out?

  65. Anonymous says

    yes I agree only limited number of banks are only available. The biggest bank SBI itself is not there..

  66. Anonymous says

    Hi,
    Thanks for the information. But from the registration page looks like they have limited number of banks enrolled for KYC.
    Regards,
    Hemant