How to Check NPS Balance & Download Statement (2027)

NPS is a government-backed retirement scheme regulated by PFRDA. Your contributions are invested across equity, corporate bonds and government securities, and the corpus compounds over decades. Three reasons to check it regularly:

• You see how the investments are actually performing, not just how much went in.
• You catch missed or failed contributions before they pile into a gap.
• You need the statement for tax proof and loan applications.

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Every NPS subscriber is assigned to a Central Recordkeeping Agency (CRA). As of 2026 there are three:

Steps:

1. Visit your CRA's portal. Not sure which one is yours? Check your PRAN card or the welcome email from signup.

1. Click Login with PRAN/User ID, enter your 12-digit PRAN, password and captcha.

1. Tick the I Understand checkbox and submit.

1. Open Holding Statement or Transaction Statement from the dashboard.

You will see your Tier I balance (the main retirement account), Tier II balance if you opened one, the scheme-wise split across Equity (E), Corporate Bonds (C) and Government Securities (G), plus NAV and current value of your units.

To download, pick the financial year or date range and hit the PDF option. Every contribution, every NAV movement, the complete history — all of it. Source: Protean CRA, KFintech and CAMS subscriber portals.

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The NPS by Protean eGov app is on both Android and iOS, and it is the handiest option for regular checks.

1. Download the NPS by Protean eGov app.

1. Log in with your PRAN and the same password you use on the CRA website.

1. The dashboard shows Tier I and Tier II holdings at a glance.

1. Tap Transaction Statement to download a detailed statement for any period, or email it to yourself directly.

The app also handles contributions to both tiers, scheme-preference changes, personal-detail updates, Tier II withdrawals and goal tracking. Biometric and M-PIN login means you do not have to type the password every time. Source: Protean eGov — NPS app listing.

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If you already use UMANG for Aadhaar, DigiLocker or EPFO services, no separate app is needed.

1. Open UMANG and log in with your registered mobile number.

1. Search for NPS in the services section.

1. Link your PRAN (one-time setup).

1. Select Current Holdings to see your balance.

1. Select Email Transaction Statement to receive the detailed statement by email.

A decent backup rather than a primary tool — handy if you travel light and do not want yet another finance app.

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No smartphone, no internet, no problem.

1. Missed call: dial 1800-210-0080 or 9212993399 from your registered mobile number. An SMS with your current balance arrives in seconds. Source: KFintech Find My PRAN page; PFRDA official communication.

1. SMS alerts: if you registered for alerts on the CRA portal, balance updates and transaction confirmations arrive automatically.

Fair warning: this shows the current balance only, not a statement. Strictly for quick checks.

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Your CRA sends a Statement of Transaction (SOT) to your registered email once a year — a PDF with the year's contributions, withdrawals and closing balance.

• Log in to the CRA portal or the NPS app.
• Go to Email Transaction Statement.
• Select the period and tier.
• The statement lands in your inbox within minutes.

You can also call the CRA toll-free on 1800 210 0080 from your registered mobile and request it through the IVR.

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Happens to the best of us. Two fixes:

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Note: 80CCD(1) and 80CCD(1B) deductions are available only under the old tax regime. Under the new regime (default since FY 2023-24), only the employer contribution deduction under 80CCD(2) applies. Source: Income Tax Act via PFRDA FAQs.

Tier I is your long-term retirement corpus. Tier II works like a flexible investment account — deposit and withdraw freely, but no tax breaks.

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Before you file it away, know what you are looking at. A Statement of Transaction has four parts:

- Subscriber block — your name, PRAN, subscriber status (individual or corporate) and the CRA's name. This is what a loan officer checks first.

- Contribution table — every contribution in the period with its date, amount, tier and scheme, plus the units allotted at that day's NAV.

- Opening and closing balances — units held at the start and end of the period, with the closing NAV.

- Allocation summary — the current split across Equity (E), Corporate Bonds (C) and Government Securities (G).

The Holding Statement is the simpler cousin: one snapshot of what you own today, without the transaction-by-transaction history.

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Pick the right financial year before downloading — a statement for FY 2025-26 proves nothing about a claim for FY 2024-25. Select the tier (Tier I, and Tier II if you contributed there), choose the period, then download the PDF or email it to yourself.

The PDF is password-protected. If it refuses to open, our guide to the NPS statement PDF password covers the exact format and every combination that trips people up.

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Risk: if a contribution you made is missing from the statement after a few weeks, don't just re-download. Raise a grievance on the CRA portal with the payment reference — an unallotted contribution sits idle and earns nothing until it is traced.

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Tracking NPS is not complicated. Pick whatever fits: the Protean app if you live on your phone, the CRA portal when you want full detail, the missed call for a 30-second check. Log in once a quarter, verify your contributions landed, glance at the scheme split. Your 60-year-old self will thank you.

One thing the balance cannot tell you is what happens at the other end. When you start drawing, the exit rules decide how the corpus splits between lump sum, annuity and phased withdrawal — worth reading years before the date.