How to Check NPS Balance Online: CRA Login & Missed Call

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 mean for your retirement.

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NPS doesn't have one central website. PFRDA (the regulator) splits record-keeping across three Central Recordkeeping Agencies (CRAs):

How to find yours: the CRA name is printed on your PRAN card (physical or the e-PRAN PDF) and in your welcome email. Source: Protean CRA / CAMS / KFintech subscriber portals.

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Keep these three things handy:

1. Your PRAN — a 12-digit number, no letters. It's on your PRAN card and welcome email.

1. Your password (I-PIN) — the login password you set when you activated the account.

1. Your registered mobile number — OTPs go here if you need to reset anything.

Don't have your PRAN? Check the PRAN card PDF or welcome email. Still stuck? Use the "Forgot PRAN" option on any CRA site — enter your PAN, date of birth, and registered mobile.

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Portal: cra.nps-proteantech.in — log in with PRAN as user ID, your I-PIN, and the captcha. The dashboard shows total balance (Tier I + Tier II), contribution summary, and current NAV of each scheme. For the full statement, open Holding Statement or Transaction Statement.

Portal: app.camsnps.in — enter PRAN and password, complete the captcha, and open Holdings or Account Statement for the detailed breakdown.

Portal: nps.kfintech.in — select "Subscriber", enter PRAN and password, then open Holdings or Transaction History for scheme-wise details.

> All three show the same data — your money, your NAVs, your contributions. Only the layout differs.

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There is no single app that works for every subscriber — each CRA has its own:

For Protean users: install "NPS by Protean", enter PRAN and password, and the dashboard shows total corpus, this year's contribution, and scheme allocation. Free, no ads.

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Already using UMANG for EPF or Aadhaar? It works for NPS across all three CRAs:

1. Open UMANG and search "NPS" in services.

1. Tap Current Holding.

1. Enter PRAN and password. Balance shows up.

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Protean CRA runs an official WhatsApp chatbot. Save +91 85888 52130 and send your query — you can request balance and statement details through the chat. Source: Protean CRA official communication.

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1. Register for missed call alerts on your CRA portal (Profile Settings → Missed Call Alerts).

1. Give a missed call to 1800-210-0080 or 9212993399 from your registered mobile number.

1. You get a call back or an SMS with your balance.

The service is free; standard operator rates may apply. Source: Protean CRA.

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Your CRA emails an annual transaction statement to your registered email — total contributions for the year, balance as of March 31, scheme-wise breakup, NAV and unit balance. Want one sooner? Log in to your CRA portal and request a statement on demand. The emailed PDF opens with the password format: first 4 letters of your first name (lowercase) + date of birth in DDMM. Example: Rahul, born 15 August 1990 → rahu1508.

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Don't just stare at the big number at the top. Look at these:

Tier I is your main retirement account, locked until exit. Under the PFRDA exit rules amended in December 2025: at normal exit, non-government subscribers can take up to 80% as lump sum with at least 20% going to an annuity; if the total corpus is ₹8 lakh or less, 100% lump-sum withdrawal is allowed. Source: PFRDA (Exits and Withdrawals under NPS) Amendment Regulations, December 2025.

Tier II is voluntary savings you can withdraw anytime. No tax benefit on contributions. Most people only have Tier I.

NAV is like a mutual fund's price per unit. Your holdings = units × NAV, and it moves daily with markets. Check once a quarter; daily checking is just anxiety.

A typical 30-year-old on auto-choice sits around E 50%, C 30%, G 20% — your screen shows exactly where your money sits.

Auto-choice (lifecycle funds) shifts equity down as you age: LC-75 (aggressive, up to 75% equity), LC-50 (moderate, the default), LC-25 (conservative). Active choice means you set the allocation yourself — check whether it still matches your risk appetite. Source: PFRDA scheme design.

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Check your NPS once every 3 months. NPS is a 20–30 year game. Set calendar reminders for March 31, June 30, September 30, and December 31 — log in, screenshot the balance, move on.

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Six methods is a lot. Match the situation to the method:

If what you actually need is the downloadable PDF for tax proof or a loan file, that is the statement workflow — how to check NPS balance and download the statement covers it end to end.

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Three situations look like errors and usually aren't:

• Contribution missing: a fresh contribution takes a few working days to show up while it is allotted units. Wait it out before assuming the worst.
• Balance moved without you doing anything: NAVs track the market daily, so a red day moves your corpus even when you stayed put.
• Tier I and Tier II mixed up: the dashboard shows both totals. If the number looks too big or too small, check which tier you are actually looking at — the Tier I vs Tier II differences explain what belongs where.

Still wrong after a few working days? Raise a grievance from your CRA's portal — keep the PRAN and the contribution date handy. Money that left your salary account but never reached NPS is often a payroll-side issue, so loop in HR as well.

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A screen showing your retirement corpus is exactly what scammers want. Risk: fake "CRA support" pages and WhatsApp forwards asking for your PRAN and password.

• Type the portal address yourself or install the official app from the Play Store or App Store. Never log in from a link that arrived by SMS or WhatsApp.
• No CRA agent, POP official or chatbot will ever ask for your I-PIN or an OTP. Anyone who does is a fraud.
• After login, check that the dashboard greets your name with a masked PRAN. If it shows a stranger's account, close the tab and change your password immediately.
• Log out properly, especially on office or shared computers. Closing the tab does not always end the session.

> Set a strong, unique password for the CRA portal. It guards decades of savings — it deserves better than your everyday password.

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Log in to your CRA portal right now. Take a screenshot of your balance. Set a 3-month calendar reminder to check again. That's it — you're done.

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This guide is for educational purposes only. NPS returns depend on market performance. Consult a qualified financial advisor for personalized retirement planning.