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How to Check Your NPS Balance?
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Disclaimer: This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. The Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Article. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from the Bank. The Bank, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein. Tax laws are subject to amendment from time to time. The above information is for general understanding and reference. This is not legal advice or tax advice, and users are advised to consult their tax advisors before making any decision or taking any action.
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NPS is a long-term retirement planning scheme governed by the PFRDA and the Central Government. It ensures pension after retirement for individuals working in both private and public sectors. Once you become an NPS subscriber, it’s crucial to check the balance regularly to ensure you are on the right path to achieving your retirement goals. The NPS account balance depends on two factors: your voluntary annual contributions to the NPS account and the returns from investing 40% of the corpus in annuities.
Although you will receive a Statement of Transaction (SOT) once a year by post at your registered address, you will also receive its soft copy at the registered email address. However, if you want to do a more frequent NPS balance check, below are the multiple methods available.
How to Check Your NPS Balance Via Online Methods?
Using the NPS Website
The official NPS website is - https://enps.nsdl.com/eNPS/NationalPensionSystem.html. Below, you will learn how to check your NPS balance using the portal:
Using the Mobile App
The NPS mobile app is extremely convenient and easy to do an NPS balance check. Download the app on your smartphone and follow these steps to check your NPS balance:
Apart from viewing the balance, you can also use the app to manage your email ID and phone number, make withdrawals from your Tier II account, and avail of other available services.
How to Get Your NPS Balance Via Missed Call Service?
NPS balance check via missed call is one of the easiest and fastest methods of checking statements. Follow these steps to register for the missed call service:
Once you register for the ‘Missed Call Alerts’, give a missed call to 18002100080, and you will receive your NPS balance information through a return call.
How to Get Your NPS Balance via Email Alerts?
NPS offers the convenience of email alerts to send your account information to your mailbox. Follow these steps to configure your NPS account for email alerts:
You will receive one NPS statement in a year by post and email. If you need more statements in between, request one online and receive a detailed statement via email.
Prerequisites for Checking NPS Balance
These are some technologically advanced ways for NPS balance checks. However, you still need a few things to check your balance using any of these methods. Below are the prerequisites for checking the NPS balance:
Frequently Asked Questions
Q: How can I check my total contribution in NPS?
You can check your total NPS contribution by checking your account statement. When requesting the statement, it shows your contributions, withdrawals, and account balance.
Q: How do I access my NPS account?
You can access your NPS account by entering your PRAN or IPIN at the NSDL website or app.
Q: How can I check my personal details in NPS?
Visit the website or open the app, log in to your account using your PRAN or IPIN and password, and browse your profile settings to check your personal details. You can also update them using the ‘Edit’ button.
Q: Can I withdraw money from NPS?
NPS allows partial withdrawals with certain limitations. First, they have a lock-in period before which you cannot withdraw. You can withdraw only a certain percentage of the accumulated corpus with at least five years of gap between each withdrawal, not exceeding three withdrawals during the tenure. Moreover, you can only withdraw money from your NPS account for specific reasons, such as children's education, wedding, medical treatment, or house purchase.
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