# How to Check NPS Balance Online: CRA Login, Apps & Missed Call (2026 Guide) **Here's the TL;DR:** Your NPS is managed by one of three companies (Protean, CAMS, or KFintech). Log in to the right one, and you'll see your balance in under 3 minutes. No internet? Give a missed call to **1800-210-0080** from your registered number. --- ## Why This Matters You've been putting money into NPS every month. Maybe through your employer, maybe on your own. But when you try to check how much you've actually accumulated, you hit a wall — three different websites, confusing login screens, and no clear answer on which one is yours. This guide cuts through that noise. By the end, you'll know exactly where to go, what to click, and what the numbers on your screen actually mean for your retirement. --- ## First, Figure Out Which CRA You're With NPS doesn't have one central website. PFRDA (the regulator) split the record-keeping across three **Central Recordkeeping Agencies (CRAs)**: | CRA | Who Uses It | |---|---| | **Protean** (formerly NSDL) | Most government employees, many private sector folks | | **CAMS** | Common if your company uses CAMS for payroll | | **KFintech** | Common with certain banks and newer employers | **How to find yours:** Check your PRAN card (physical or the PDF they emailed you). The CRA name is printed right on it. Or search your email for "welcome" + "NPS" — the first email from your CRA will tell you. --- ## What You Need Before You Start Keep these three things handy: 1. **Your PRAN** — A 12-digit number (usually starts with 1 or 2). No letters, just numbers. It's on your PRAN card and welcome email. 2. **Your password (I-PIN)** — The password you set when you first activated the account. This is your login password for the CRA portal. 3. **Your registered mobile number** — OTPs go here if you need to reset anything. *Don't have your PRAN? Check the PRAN card PDF or that welcome email. Still stuck? Use the "Forgot PRAN" option on any CRA site — enter your PAN, date of birth, and registered mobile.*--- ## Method 1: The CRA Website (Best for Full Details) This is the main way. Pick your CRA below: ### Protean CRA **Website:** [`https://cra.nps-proteantech.in/CRA/`](https://cra.nps-proteantech.in/CRA/)1. Open the link 2. Enter your PRAN as User ID 3. Enter your password (I-PIN) 4. Type the captcha 5. Click Login **What you'll see:** Total balance (Tier I + Tier II), contribution summary, current NAV of each scheme. For the full statement, click **Holding Statement** or **Transaction Statement** in the menu. --- ### CAMS NPS **Website:** [`https://app.camsnps.in/CRA/auth/subscriber-portal/login`](https://app.camsnps.in/CRA/auth/subscriber-portal/login)1. Open the link 2. Enter PRAN and password 3. Complete captcha 4. Click Login **What you'll see:** Holdings, NAV, contribution history. Click **Holdings** or **Account Statement** for the detailed breakdown. --- ### KFintech NPS **Website:** [`https://nps.kfintech.in/Login/Login`](https://nps.kfintech.in/Login/Login)1. Open the link 2. Select "Subscriber" as user type 3. Enter PRAN and password 4. Enter captcha 5. Click Login **What you'll see:** Balance split by Tier I and Tier II. Go to **Holdings** or **Transaction History** for scheme-wise details. --- > **Quick note:** All three show the same data — your money, your NAVs, your contributions. Only the layout differs. --- ## Method 2: eNPS Website (Only for Protean Users) If your CRA is Protean, you can also use: [`https://enps.nps-proteantech.in/eNPS/NationalPensionSystem.html`](https://enps.nps-proteantech.in/eNPS/NationalPensionSystem.html)This lets you: - Check balance - Make extra contributions - Download statements - Change scheme preferences *CAMS or KFintech user? Skip this — it won't work for you.*--- ## Method 3: Mobile Apps (Quickest for Phone Users) There's no single "one app that works for everyone. Each CRA has its own: | Your CRA | App Name | Get It On | |---|---|---| | Protean | **NPS by Protean** | Play Store / App Store | | KFintech | **NPS by KFintech-CRA** | Play Store / App Store | | CAMS | Use the CAMS website or **UMANG app** | — | **For Protean users:** Download "NPS by Protean," enter PRAN + password, tap Login. Clean dashboard shows total corpus, this year's contribution, and scheme allocation. Tap **Holdings** or **Statement** for details. Free, no ads. --- ## Method 4: UMANG App (One App for Everything) Already using UMANG for EPF, Aadhaar, or other government services? It works for NPS across **all three CRAs**. 1. Download UMANG (Play Store / App Store) 2. Register with mobile + PIN 3. Search "NPS" in services 4. Tap **Current Holding** 5. Enter PRAN + password 6. Balance shows up Super convenient if you're already in the UMANG ecosystem. --- ## Method 5: Missed Call (No Internet, No Smartphone Needed) **Numbers:** `1800-210-0080` or `9212993399`1. First, register for missed call alerts on your CRA portal (Profile Settings → Missed Call Alerts) 2. Give a missed call to `1800-210-0080` from your **registered mobile number** 3. You'll get a call back with your balance, or an SMS Free service. Standard call rates may apply depending on your operator. ⚠️ **Don't SMS 56767474** — that's for LIC policies, not NPS. This is a missed call service, not SMS. --- ## Method 6: Email Statement (Automatic, Once a Year) Your CRA emails an annual transaction statement to your registered email every year. It's a PDF showing: - Total contributions for the year - Balance as of March 31 - Scheme-wise breakup - NAV and unit balance Want an extra statement anytime? Log in to your CRA portal → **Request Statement** or **Email Statement**. --- ## How to Download Your Full Statement (PDF) 1. Log in to your CRA portal 2. Go to **Transaction Statement** or **Account Statement** 3. Pick the period (monthly, quarterly, yearly) 4. Click **Download PDF** 5. **Password:** First 4 letters of your first name (lowercase) + date of birth in **DDMM** format **Example:** Name = Rahul, DOB = 15 August 1990 → Password = `rahu1508`--- ## Reading Your Dashboard: What Actually Matters Don't just stare at the big number at the top. Here's what to look at: ### Total Corpus = Tier I + Tier II **Tier I** — Your main retirement account. Locked in until 60. - At 60: You can withdraw **up to 60%** as lump sum - Remaining **40% must buy an annuity** (monthly pension) - **Exception:** If total corpus ≤ **₹5 lakh** at 60 → withdraw **100%**, no annuity needed **Tier II** — Voluntary savings. Withdraw anytime. No tax benefit on contributions. *Most people only have Tier I.*--- ### NAV (Net Asset Value) — Don't Check Daily Think of NAV like a mutual fund's price per unit. Your holdings = units × NAV. NAV moves daily with markets. Equity NAV up when stocks rise. Debt NAV up when bonds rally. > **Check once a quarter.** Daily checking = unnecessary anxiety. --- ### Asset Allocation — The Most Important Screen This tells you where your money actually sits: | Code | Asset Class | What It Invests In | Risk | |---|---|---|---| | **E** | Equity | Stock market | Highest return, highest risk | | **C** | Corporate Bonds | Company bonds | Moderate return, low risk | | **G** | Government Securities | Govt bonds | Low return, lowest risk | | **A** | Alternative | REITs, InvITs, etc. | Select schemes only | **Typical for a 30-year-old:** E ~50%, C ~30%, G ~20% --- ### Auto-Choice vs Active Choice **Auto-Choice:** Allocation shifts from equity to debt as you age. Depends on which Lifecycle Fund you picked: | Fund | Profile | Equity Cap (till age 35) | |---|---|---| | **LC75** | Aggressive | Up to 75% | | **LC50** | Moderate (default) | Capped at 50% | | **LC25** | Conservative | Capped at 25% | **Active Choice:** You picked the allocation yourself. Check if it still matches your risk appetite. --- ## Pro Tip: Set a Quarterly Reminder Check your NPS **once every 3 months**. Not daily. Not weekly. NPS is a 20-30 year game. Daily checking only creates anxiety. Set calendar reminders for: - **March 31**- **June 30**- **September 30**- **December 31**Log in, screenshot the balance, move on with your life. --- ## Can't Log In? Here's the Fix | Problem | What to Do | |---|---| | Forgot password? | Click "Forgot Password" on login page → Enter PRAN + registered mobile → OTP comes → Reset password | | Lost PRAN? | Use "Forgot PRAN" on your CRA site → Enter PAN, DOB, registered mobile | | Changed mobile number? | Contact your nodal office (if employer NPS) or POP (if individual NPS) to update it | --- ## Key Takeaways - Your NPS is with **one** of three CRAs: Protean, CAMS, or KFintech. Use the right portal. - Check balance via: website, CRA app, UMANG, missed call, or email. - Dashboard shows: total corpus, NAV, asset allocation (E/C/G). - **Check once a quarter.** Asset allocation matters more than the total number. - At 60, if corpus ≤ ₹5 lakh → 100% withdrawal, no annuity. - Auto-Choice uses LC75/LC50/LC25; default LC50 caps equity at 50% till 35. --- ## Your One Action Today **Right now:** Log in to your CRA portal. Take a screenshot of your balance. Set a 3-month calendar reminder to check again. That's it. You're done. --- ## Quick FAQ (For When You're in a Hurry) **How do I check NPS balance online?**Log in to your CRA portal (Protean, CAMS, or KFintech) with your 12-digit PRAN and password. Dashboard shows balance, NAV, allocation. **What's the missed call number for NPS balance?**`1800-210-0080` or `9212993399` — give a missed call from your registered mobile after enabling alerts on your CRA portal. **Which CRA portal should I use?**Check your PRAN card or welcome email. Protean → `cra.nps-proteantech.in`, CAMS → `app.camsnps.in`, KFintech → [`nps.kfintech.in`.](http://nps.kfintech.in)**How do I download my NPS statement?**CRA portal → Transaction Statement → Pick period → Download PDF. Password = first 4 letters of first name (lowercase) + DDMM of birth. **Can I check NPS on mobile app?**Yes — NPS by Protean (Protean CRA), NPS by KFintech-CRA (KFintech), or UMANG (all CRAs). No single unified app exists. **What's the PDF password for NPS statement?**First 4 letters of first name (lowercase) + DDMM of birth. Example: `rahu1508` for Rahul born 15 Aug 1990. --- *This guide is for educational purposes only. NPS returns depend on market performance. Past performance doesn't guarantee future returns. Consult a qualified financial advisor for personalized retirement planning.*