How to Check Your NPS Balance Online — A No-Nonsense Guide (2026)

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:

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.
Your password (I-PIN) — The password you set when you first activated the account. This is your login password for the CRA portal.
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/

Open the link
Enter your PRAN as User ID
Enter your password (I-PIN)
Type the captcha
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

Open the link
Enter PRAN and password
Complete captcha
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

Open the link
Select “Subscriber” as user type
Enter PRAN and password
Enter captcha
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

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.

Download UMANG (Play Store / App Store)
Register with mobile + PIN
Search “NPS” in services
Tap Current Holding
Enter PRAN + password
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

First, register for missed call alerts on your CRA portal (Profile Settings → Missed Call Alerts)
Give a missed call to 1800-210-0080 from your registered mobile number
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)

Log in to your CRA portal
Go to Transaction Statement or Account Statement
Pick the period (monthly, quarterly, yearly)
Click Download PDF
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

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.

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.

How to Check NPS Balance Online: CRA Login, Apps & Missed Call (2026 Guide)