Voluntary, market-linked retirement savings scheme regulated by PFRDA
Go to enps.nsdl.com or the CRA app and choose Tier-I (mandatory, for retirement) or Tier-II (voluntary, withdrawable) account.
Complete eKYC using Aadhaar/PAN and make your first contribution.
Choose your Pension Fund Manager and asset allocation.
Visit a bank branch or Point of Presence (PoP) registered with PFRDA to open an account with physical forms.
Online account opening is usually completed the same day.
Log in to the CRA (Central Recordkeeping Agency) portal with your PRAN to check contributions and status.
Download statements and the e-PRAN card from the CRA portal.
Update KYC/nominee details by logging in to the CRA portal.
Not applicable — the account remains active with periodic minimum contributions; it matures at retirement (typically age 60).
No, NPS is market-linked (invested in a mix of equity, corporate bonds and government securities), so returns vary and are not guaranteed — check the scheme's current asset-allocation options on eNPS.