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Know Your PRAN

Know Your PRAN

 Grievance & Enquiry

Grievance &
Enquiry

Pending Registration

Pending Registration

 D-Remit

D-Remit

 Corporates

Corporates

 Pan Updates

PAN Update

 Re-KYC

Re - KYC

 e-Sign Authenticate using OTPs

e - Sign / Authenticate using OTPs

 Print Application Form

Print Application
Form

Transaction Statement

Transaction Statement

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Check Annuity Quotes

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Check Request
Status

Annual Transaction Statement On Email/Physical

Annual Transaction Statement on Email/Physical

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Upload Photo and Signature

 Tier II Activation

Tier II Activation

 Subsequent Contribution

Subsequent Contribution

NPS CALCULATOR

Thinking, how much to invest?

Use the NPS Calculator

Pension Calculator helps a NPS Subscriber calculate the tentative Pension and Lump sum amount that s/he may expect on maturity or on attaining 60 years of age. The said amount is calculated based on regular monthly contributions, percentage of corpus reinvested for purchasing annuity/pension and assumed rates in respect of returns on investment and annuity opted for.

Disclaimer
  • A) All calculations and illustrations are indicative in nature and based on an assumed rate of return. Hence, the figures do not indicate or assure an actual amount/figure.​
Contribute Join NPS

Current Age

years

Amount I’d like to contribute monthly

₹

Expected Return on Investment

%

Corpus I’d like to set aside for Annuity/Pension

%

Expected Rate of Annuity/Pension

%

You would have accumulated by the time of you retirement for your total investment of over the period of

On retirement you will receive annuity amount of & lumpsum amount of . Your monthly pension post retirement will be of

₹ 
total investment

Total Investment

₹ 
market value

Market Value

₹ 
total tax save coin

Total Tax Savings

Calculate Again

Open NPS Account Online

What is NPS & Benefits of NPS

The National Pension Scheme or NPS is a government-sponsored pension plan open to all Indian citizens. The main aim of the NPS Scheme is to provide social security to all Indian citizens and encourage savings. A unique Permanent Retirement Account Number (PRAN) is allotted to every subscriber in NPA. An individual invests in the NPS at regular intervals throughout their working period. After retirement, a fixed amount of the corpus fund can be withdrawn, and the remaining amount will be paid to them monthly as pension remuneration.

The benefits of the NPS Scheme are:

  • The NPS scheme is regulated by the Central Government PFRDA or Pension Fund Regulatory and Development Authority.
  • It is a voluntary scheme designed for the financial security of working-class citizens.
  • The subscriber has the flexibility to choose or change the investment pattern, fund manager and the Point of Presence (POP).
  • The National Pension System is a low-cost investment instrument.
  • NPS account is portable, and the PRAN will remain the same irrespective of the change in location or employment.
  • NPS account holders can transfer their Superannuation funds to their NPS Account without any tax liability.
  • There are tax benefits under Section 80 C and 80 CCD for this NPS scheme.
NPS Eligibility Criteria

The general eligibility criteria for joining NPS are as follows:

  • The applicant must be between 18 and 70 years at the time of application.
  • The applicant must comply with the NPS norms.
  • The applicant must not have a pre-existing NPS account.

The specific eligibility criteria for the specific sectors are as follows:

  • All Citizen Model
  • Applicants must be between 18 and 60 years of age on the application submission date.
  • Applicant must comply with all the KYC norms prescribed in the Subscriber Registration Form.

For specific circulars:

  • Central Government

All Central Government employees who joined after 1-1-2004

  • Central Government Autonomous Bodies (CABs)

All employees of Central Government Autonomous Bodies who joined after January 1, 2004 (except for armed forces)

  • State Government

Any individual employed under a particular State Government. To know the states that implement NPS, click here.

  • State Government Autonomous Bodies (SABs)

Any individual who is employed under a SAB that implements NPS. To know the states that implement NPS, click here.

  • Corporate Model

To know more about the entities eligible for NPS under the corporate model, click here.

NPS Account Type

Tier I NPS Account - It is mandatory to open a Tier I NPS account if you wish to enroll for NPS. Withdrawal from this account is restricted. You can open a Tier I account with a balance as low as INR 500/- and to keep the account active, you must deposit a minimum of INR 1000 a year.

Tier II NPS Account - This account is optional and can be opened either at the time of Tier I account opening or later. Tier II NPS account needs a minimum balance of INR 1000/- and there is no requirement of a minimum deposit to keep the Tier II account active.

Fees and Charges
Intermediary
Service charges
Method of Deduction
CRA
1. PRA Opening charges: INR 40/-
2. Annual PRA Maintenance cost per account: INR 95/-
3. Charge per transaction: INR 3.75/-
Through cancellation of units at the end of each quarter
POP(Maximum Permissible Charge for each subscriber)
1. Initial subscriber registration: INR 200/-
2. Initial contribution upload: 0.25% of the initial contribution amount from subscribers subject to a minimum of INR 20 and a maximum of INR 25,000/-
3. Any other transaction not involving a contribution from a subscriber: INR 20/-
4. Contribution through eNPS: 0.10% of contribution (Min. INR 10 & Max. INR 10,000)
To be collected upfront
Trustee Bank
Not Applicable: Nil
N.A.
Custodian (On asset value in custody)
Asset Servicing charges: 0.0032% p.a for Electronic segment & Physical segment
Through NAV deduction
PF charges
Investment Management Fee: within the prescribed upper ceiling of 0.01% p.a.
Through NAV deduction
NPS Trust
Reimbursement of Expenses: Nil
N.A.
NPS Calculator and Application, Payment & Withdrawal Process

To apply for the online NPS scheme, you need to log in to internet banking and choose NPS in the ‘Service Requests’ section. Once your details are verified and authenticated with an Aadhaar card, an SR is generated, and the NPS account is activated. Then, the PRAN is sent to your mobile number.

You need to log in to internet banking to contribute to the NPS account. Once confirmed, you will receive an SMS and email alert. The withdrawal process from an NPS account can also be done online. The amount can be withdrawn:

  • When the applicant becomes 60 years old.
  • At any time before the applicant attains 60.
  • After the death of the subscriber.

An NPS calculator is a tool that an individual can use to estimate the amount of pension and the total lump sum amount they will be receiving after retirement at 60 years of age. This calculator helps the investors to plan their post-retirement finances.

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Select Scheme

Scheme

Scheme NAV
(Start Date)

Scheme NAV
(End Date)

CAGR since inception
(DD/MM/YYYY)


LATEST NPS NAV

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In the chart

Know the Performance of the Selected Fund

Net Asset Value or NAV is the price of one unit of a fund scheme. It is calculated by adding up the value of all the securities and cash in the fund's portfolio (assets) subtracting the fund's liabilities, and dividing the whole by no. of units issued under that fund.

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Announcements
Compendium of PFRDA Act, Rules and Regulations, 2021
07-Oct-21
PFRDA (CRA) (Amendment) Regulations, 2021
14-Jun-21
PFRDA (Exit and Withdrawal) (Amendment) Regulations, 2021
14-Jun-21
PFRDA (NPS Trust) (Amendment) Regulations, 2021
14-Jun-21
PFRDA (POP) (Amendment) Regulations, 2021
14-Jun-21
PFRDA(Exits And Withdrawals Under The National Pension System) (Sixth Amendment) Regulations, 2019
23-Sep-19
Pension Fund Regulatory And Development Authority (Exits And Withdrawals Under The National Pension System) (Fifth Amendment) Regulations, 2019
19-Feb-19
Gazette notification Revision in NPS Government sector, 2019
31-Jan-19
Pension Fund Regulatory and Development Authority (Point of Presence) (Second Amendment) Regulations 2018
25-Jun-18
PFRDA (Exit and Withdrawal Under National Pension System) (Fourth Amendment) Regulation 2018
18-May-18
PFRDA (Exit and Withdrawal Under National Pension System) (Third Amendment) Regulation 2018
02-Feb-18
PFRDA (Exit and Withdrawal Under National Pension System) (Second Amendment) Regulation 2017
06-Oct-17
PFRDA (Exits and Withdrawal under the National Pension System) (First Amendment ) Regulations 2017
10-Aug-17
Gazette-PFRDA (Retirement Adviser) (Second Amendment) Regulations, 2017
26-May-17
Pension Fund Regulatory and Development Authority (Aggregator) (First Amendment) Regulations 2016
30-Sep-16
Pension Fund Regulatory and Development Authority (Point of Presence) (First Amendment) Regulations 2016
30-Sep-16
Pension Fund Regulatory and Development Authority (Pension Fund) (First Amendment) Regulations, 2016
17-Aug-16
Pension Fund Regulatory and Development Authority (Retirement Adviser) Regulations, 2016
13-Jun-16
Pension Fund Regulatory and Development Authority (Procedure for inquiry by Adjudicating Officer) Regulations, 2015
06-Jun-15
Pension Fund Regulatory and Development Authority (Pension Fund) Regulations, 2015
14-May-15
Pension Fund Regulatory and Development Authority (Employees' Service) Regulations, 2015
14-May-15
Pension Fund Regulatory and Development Authority (Custodian of securities) Regulations, 2015
14-May-15
Pension Fund Regulatory and Development Authority (Exits and Withdrawals under National Pension System) Regulations, 2015
11-May-15
Pension Fund Regulatory and Development Authority (Central Recordkeeping Agency) Regulations, 2015
27-Apr-15
Pension Fund Regulatory and Development Authority (Trustee Bank) Regulations, 2015
23-Mar-15
Pension Fund Regulatory and Development Authority (National Pension System Trust) Regulations, 2015
12-Mar-15
Pension Fund Regulatory and Development Authority (Aggregator) Regulations, 2015
10-Mar-15
Pension Fund Regulatory and Development Authority (Point of Presence) Regulations, 2015
04-Mar-15
Pension Fund Regulatory and Development Authority ( Redressal of Subscriber Grievance) Regulations, 2015
29-Jan-15
Pension Fund Regulatory and Development Authority (Procedure for Authority Meetings) Regulations, 2015
27-Jan-15
Pension Fund Regulatory and Development Authority (Pension Advisory Committee Meetings ) Regulations, 2015
27-Jan-15
Pension Fund Regulatory and Development Authority (Subscriber Education and Protection Fund) Regulations, 2015
23-Jan-15