A Complete Guide to NPS Login (Including NSDL & KFintech Process)

In India, retirement planning has long been a challenge, especially for those outside the government sector who lack pension benefits. The National Pension System (NPS) was introduced to bridge this…

In India, retirement planning has long been a challenge, especially for those outside the government sector who lack pension benefits. The National Pension System (NPS) was introduced to bridge this gap and provide financial security to all citizens. This scheme aims to build a society where everyone can access retirement benefits, regardless of profession. It's a structured framework backed by the government, designed to empower individuals to build a secure financial future.

You can think of the NPS as a personal vault where you deposit funds over the years, ensuring that you have a substantial nest egg waiting for you when the time comes to bid farewell to the workforce. The next question you might have in mind is - How will you get access to this vault?

This is where the NPS login process comes into the picture. As an NPS subscriber, you need to understand how to monitor, manage, and optimize your retirement savings using your login credentials. In this guide, you will learn about the steps involved in NPS login. 

More About NPS Registration

Before you get into the details of NPS login, you need to understand the initial step: NPS registration. 

Just like signing up for any online service, registering for the National Pension System sets the groundwork for accessing your retirement savings. To begin your journey with NPS, you'll need to undergo a straightforward registration process. Here are the generic steps involved:

Online Registration Method

Step 1: Select NPS Applicant Type

Firstly, identify your applicant type, which could be a government employee, corporate subscriber, or individual subscriber. This classification helps streamline the registration process and ensures that your NPS account aligns with your circumstances.

Step 2: Provide Personal Details

Furnish the necessary personal information, including your name, address, date of birth, father's name, PAN number, etc. These details are crucial to verify your identity and setting up your NPS account.

Step 3: Enter Bank Account Details

Input your bank account particulars, including the account number, bank name, branch, and IFSC code. This information facilitates contributions and withdrawals to and from your NPS account.

Step 4: Nominate a Beneficiary

Nominate a beneficiary who will receive the accumulated amount in the event of your demise. This ensures that your hard-earned savings will be disbursed according to your wishes.

Step 5: Opt for Tier-II Account

Decide whether you wish to open a Tier-II account in addition to the default Tier-I account. While Tier-I accounts are mandatory and focus on long-term retirement savings, Tier-II accounts offer flexibility for short-term investments and withdrawals.

Step 6: Select Pension Fund Manager

Choose from the available pension fund managers who will oversee the investment of your contributions. With many options available, you can select the manager that best aligns with your investment objectives and risk tolerance.

Step 7: Allocate Investment Ratio

Indicate the ratio in which you wish to allocate your contributions among various securities. This step allows you to customize your portfolio based on your financial goals and risk preferences.

Offline Registration Method

If you prefer the traditional route or have limited access to online facilities, you can opt for the offline method to register for NPS. Here are the generic steps involved:

  • Obtain the NPS registration form from the nearest NSDL (National Securities Depository Limited) office or Point of Presence (PoP). This form serves as the primary document for initiating your NPS registration offline.
  • Along with the filled registration form, ensure you have a recent passport-sized photograph and a cheque or demand draft for the initial contribution amount. 
  • Visit the nearest NSDL office or PoP authorized to process NPS registrations and submit your filled registration form and the necessary documents in person.
  • Present your completed registration form, photograph, and initial contribution cheque or demand draft to the designated authority at the NSDL office or PoP. Ensure all information provided is accurate and up-to-date to avoid any delay in processing your registration.
  • You will get a PRAN (Permanent Retirement Account Number) by the NSDL on successful submission of your registration form and documents. This unique identification number serves as your identity for accessing and managing your NPS account.

Your offline NPS registration process is complete with the allocation of your PRAN. You can now utilize this PRAN for NPS login.

How to Proceed with NPS Login?

Once you have your PRAN handy, accessing your E-NPS account becomes easier. You can log in to your NPS account through multiple channels, including: 

  • NSDL NPS portal
  • KFintech portal
  • Your internet banking account

Let’s cover the steps involved in each of these login channels.

NPS Login Through NSDL NPS Portal

  1. Visit the official NSDL NPS portal at:
  2. Click ‘Login with PRAN/IPIN’.
  3. If you already have your PRAN and password ready, enter them into the required fields and click ‘Submit’ on the login screen to access your E-NPS account.
  4. If you are proceeding with NPS login for the first time, create a new password by following these additional steps:
  • Again, visit the official NSDL NPS portal at:
  • Click ‘Login with PRAN/IPIN’.
  • Click ‘Reset Password’ to generate a new password.
  • Provide your PRAN, date of birth, new password, confirm password, and enter the captcha. Then, click ‘Submit’.
  • You will receive an OTP on your registered mobile number. Enter this OTP to confirm your new password.
  • Now, you can log in to your E-NPS account using your PRAN and the new password.

By following these NSDL NPS login steps, you can access your E-NPS account and manage your retirement savings.

NPS Login Through KFintech NPS Portal

If you prefer using the KFintech NPS portal for NPS login, here are the steps involved:

  1. Visit the official KFintech NPS portal at
  2. Click ‘Login’ button and select the ‘Existing Subscriber’ option.
  3. At the login screen, input your PRAN, password, and Captcha code to proceed with E-NPS login.
  4. If you're attempting to log in for the first time or need to reset your password, follow these additional steps:
  • On the official KFintech NPS portal (, click ‘Login’ button and select ‘Existing Subscriber’. 
  • On the login screen, click ‘Generate/Reset password’.
  • Enter your PRAN, date of birth, Captcha, and OTP sent to your registered mobile number.
  • Set a new password for your account.
  • With your new password created, you're now ready for NPS login through the KFintech portal.

NPS Login Through Internet Banking

Accessing your e-NPS account through Internet banking - a convenient feature many banks offer. It allows you to manage your NPS account from the comfort of your home. Here's how you can utilize this facility:

  1. Log in to your Internet banking account using your credentials. Ensure you access your bank's official website for a secure connection.
  2. Once logged in, look for the NPS page or section within your Internet banking portal. Banks typically have a dedicated area for pension system services, making it easier for you to find all the information related to your NPS account.
  3. Through the NPS section, you can check your account details, contribute to your NPS account, and select investment schemes. The platform allows you to perform multiple actions related to your NPS account, including viewing your account balance, updating nominee details, and more.


Question: When can I login to NPS after successful registration?

Answer: After successfully registering for the NPS scheme, you can log in to your account as soon as you receive your PRAN. The steps vary depending on the method of NPS login you choose (via eNPS portal, KFintech NPS portal, or Internet banking).

Question: Can I contribute to NPS without login?

Answer: Yes, you can contribute to your NPS account without logging in, thanks to the eNPS portal's feature that allows for direct contributions. You can also use the NPS mobile app for contributions without logging into your account.

Question: Can I open an NPS account anytime?

Answer: Yes, you can open an NPS account anytime throughout the year. The scheme is designed to be a flexible and accessible retirement savings scheme, allowing individuals to join at their convenience. There are no specific time restrictions or deadlines for opening an NPS account.


Last updated on