NPS Balance Check: Keeping track of your various bank accounts and investments is essential to managing your finances effectively. Keeping track of your National Pension System (NPS) balance is a crucial part of this. Whether you’ve been investing in NPS for a long time or have just started contributing, knowing your NPS balance is crucial.
What is National Pension System?
The National Pension System (NPS) is a retirement savings scheme launched by the Government of India with the aim of providing financial security in old age. It’s a defined contribution plan in which individuals make regular contributions to an NPS account while employed. This money is invested in market-based instruments like stocks and bonds, generating returns over time.
The scheme is available to all Indian citizens (including NRIs) and offers tax benefits under certain sections of the Income Tax Act. The NPS is regulated by the Pension Fund Regulatory and Development Authority (PFRDA).
How to check NPS balance through online methods?
1. From the official NPS portal of NSDL
You can check the balance using your PRAN (Permanent Retirement Account Number) on the NPS portal of NSDL.
Visit the NPS portal
Log in with your PRAN and password
Check the balance by going to the Transaction Statement or Holding Statement section
2. From the Umang app
Through Umang app, you can easily view NPS information on your mobile
Download and install the Umang app
Register with your PRAN and registered mobile number
View Holdings and Recent Contributions in the app
How to check NPS balance through missed call?
If you do not have internet, you can also get your balance by giving a missed call.
Steps:
Register your mobile number on the NSDL portal
Give a missed call to these numbers from your registered number:
1800-210-0080 or 9212993399
You will receive your NPS balance via SMS shortly.
How to get NPS balance through email alert?
You can stay updated through email notifications even without logging in.
Steps:
Log in to your NSDL NPS account
Update your email address in Profile Settings.
Enable email statements and balance alerts
This method is good for those who want to get information about their investments without logging in again and again.
Things you need to do to check your NPS balance
PRAN (Permanent Retirement Account Number)
Registered mobile number (for SMS and missed calls)
Registered email ID (for alerts and statements)
Login details (PRAN and Password)
Internet access (for online mode)
Regularly checking your NPS balance can help you keep your retirement planning on track. Digital options like the NSDL portal, the Umang app, missed call service, and email alerts make this even easier. Retirement planning is not just about long-term investments. If you combine your NPS investments with options that offer stable and secure returns, you can meet short-term needs, mitigate market risk and build a balanced retirement portfolio.