You’ve been contributing to NPS every month, hoping to build a solid retirement corpus. But when was the last time you actually checked how much has piled up in your account? If your answer is “never” or “I don’t know how,” you’re not alone.
The National Pension System (NPS) is one of India’s most tax-efficient retirement tools. Yet most subscribers never bother tracking their money. Whether you opened NPS through your employer or signed up via eNPS, checking your NPS balance online takes literally two minutes. Let me show you how.
Quick Reference: 5 Ways to Check Your NPS Balance
| Method | What You Need | Time | Best For |
|---|---|---|---|
| CRA Website | PRAN + password | 5 mins | Full details & statement download |
| NPS Mobile App | PRAN + password | 2 mins | Quick checks on the go |
| UMANG App | PRAN + OTP setup | 2 mins | No extra app needed |
| Missed Call | Registered mobile | 30 secs | No internet needed |
| Email Statement | Registered email | Instant | Year-end records & tax proof |
What is NPS and Why Should You Track Your Balance?
NPS (National Pension System) is a government-backed retirement savings scheme regulated by PFRDA that lets you build a retirement corpus through contributions invested across equity, corporate bonds, and government securities. You contribute during your working years, the money gets invested, and you build a corpus for retirement.
Why bother tracking it?
- You can see how your investments are actually performing
- You catch missed contributions before they pile up
- You need the statement for tax proof and loan applications
That’s it. Three solid reasons.
Quick Guide: Download NPS Statement in 3 Steps
Step 1: Log in to your CRA portal or the NPS by Protean app using your PRAN and password.
Step 2: Go to “Transaction Statement” or “Holding Statement” from the dashboard.
Step 3: Select the financial year or date range, then click Download PDF or Email Statement.
That’s it. Your complete NPS statement lands in your hands in under a minute.
Method 1: Check NPS Balance via CRA Website
Every NPS subscriber is assigned to a Central Recordkeeping Agency (CRA). As of 2026, there are three CRAs:
| CRA | Website |
|---|---|
| Protean (formerly NSDL) | https://cra.nps-proteantech.in/CRA/ |
| KFintech | https://nps.kfintech.in/Login/Login |
| CAMS | https://app.camsnps.in/CRA/auth/subscriber-portal/login |
Steps:
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Visit your CRA’s portal using the link above. Not sure which one? Check your PRAN card or the welcome email you got when you first signed up.
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Click on “Login with PRAN/User ID” and enter your 12-digit PRAN, password, and the captcha.
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Tick the “I Understand” checkbox and hit Submit.
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Head to “Holding Statement” or “Transaction Statement” from the dashboard. You’ll see:
- Tier I balance — your main retirement account
- Tier II balance — voluntary savings (if you’ve opened one)
- Scheme-wise breakup — how much is in Equity (E), Corporate Bonds (C), and Government Securities (G)
- NAV and current value of your units
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To download the statement, click the download/PDF option and pick the financial year or date range.
This is the most detailed view you’ll get. Every contribution, every NAV change, your complete history — all there.
Method 2: Check NPS Balance via Mobile App
The NPS by Protean eGov app is on both Android (Google Play) and iOS (App Store). It’s by far the handiest option.
Steps:
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Download the “NPS by Protean eGov” app.
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Log in using your PRAN and the same password you use on the CRA website.
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Your dashboard shows your current holdings — both Tier I and Tier II — at a glance.
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Tap “Transaction Statement” to download a detailed statement for any period.
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You can also request the statement via email directly from the app.
Other things you can do on the app:
- Contribute to Tier I and Tier II
- Change scheme preference
- Update personal details
- Initiate Tier II withdrawal
- Set financial goals and track progress
The app also supports biometric and M-PIN login, so you don’t have to type your password every time.
Method 3: Check NPS Balance via UMANG App
If you already use the UMANG app for Aadhaar, DigiLocker, EPFO, or other government services, this one’s for you. No separate app needed.
Steps:
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Open the UMANG app and log in with your registered mobile number.
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Search for “NPS” in the services section.
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Link your PRAN (one-time setup).
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Select “Current Holdings” to see your balance.
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Select “Email Transaction Statement” to get the detailed statement sent to your email.
The UMANG app is a decent backup. Handy if you travel light and don’t want yet another finance app cluttering your phone.
Method 4: Missed Call & SMS Service
No smartphone? No internet? No problem.
- Missed Call: Give a missed call to 1800-210-0080 or 9212993399 from your registered mobile number. You’ll get an SMS with your current NPS balance in seconds.
- SMS Alerts: If you’ve registered for SMS alerts on the CRA portal, you’ll automatically get balance updates and transaction confirmations.
Fair warning: this only shows your current balance, not a detailed statement. It’s strictly for quick checks.
Method 5: Email Statement
Your CRA sends a Statement of Transaction (SOT) once a year to your registered email. It’s a PDF with your complete year’s contributions, withdrawals, and closing balance.
To get it on-demand:
- Log in to the CRA portal or 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 number — 1800 210 0080 — from your registered mobile and request it via IVR.
How to Reset NPS Password
Forgot your NPS password? Happens to the best of us. Here’s how to fix it.
Via CRA Portal:
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Go to your CRA portal login page and click “Forgot Password”.
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Select “Instant Reset I-PIN”.
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Enter your PRAN and Date of Birth.
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An OTP will be sent to your registered mobile and email.
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Enter the OTP and create a new password.
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Your new password works immediately. No office visit needed.
Via NPS Mobile App:
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On the login screen, tap “Forgot Password”.
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Choose the OTP option or answer your secret question.
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Reset and you’re back in.
One tip: Use a strong password (8-14 characters with a mix of letters, numbers, and special characters). And never share your PRAN or password with anyone.
Tier 1 vs Tier 2 Balance: What’s the Difference?
See two balances when you log in? Here’s what they mean:
| Feature | Tier I | Tier II |
|---|---|---|
| Purpose | Retirement savings (mandatory) | Voluntary savings (optional) |
| Tax benefit | Up to ₹2 lakh under 80CCD(1) + 80CCD(1B)* | No tax benefit |
| Withdrawal | Restricted (only after 60, with conditions) | Anytime, no restrictions |
| Minimum contribution | ₹500 per contribution, ₹1,000 per year | ₹250 per contribution |
| Who can open | All subscribers | Only if you have a Tier I account |
*80CCD(1) and 80CCD(1B) deductions are available only under the Old Tax Regime. Under the New Tax Regime (default since FY 2023-24), these deductions cannot be claimed.
Tier I is your long-term retirement corpus. Tier II works more like a flexible investment account — deposit and withdraw whenever you want, but no tax breaks.
Key Takeaways
- Check NPS balance via CRA website, mobile app, UMANG app, missed call, or email
- The CRA portal gives the most detailed view with complete transaction history
- The NPS by Protean app is the easiest for regular checks
- Password reset is instant via OTP — no paperwork needed
- Tier I is for retirement with tax benefits, Tier II is flexible savings
- Your CRA sends an annual statement by email, but you can download one anytime
Conclusion
Tracking your NPS balance isn’t complicated. Pick whatever works for you — the app if you’re glued to your phone, the CRA portal if you want full detail, or the missed call if you want something quick. Log in once a quarter, check your holdings, make sure your contributions are on track. Your 60-year-old self will thank you.
This is for educational purposes only. Consult a qualified financial advisor for personalized advice.
