Knowing your NPS balance helps you track your retirement savings. Many people are enrolled in the National Pension System but are unsure how to check NPS balance easily. If you’re one of them, this article is for you.
Just like checking your UCO bank balance check number, NPS also has simple steps you can follow to see your pension fund balance in real-time. Whether you are using a mobile, website, or missed call, you can check your NPS balance within minutes.
What is NPS and Why is It Important to Check Your Balance?
NPS, short for National Pension System, is a retirement savings plan by the Government of India. It helps you save money for the future and gives you a steady income after retirement.
When you check your balance, you understand how much money you’ve saved. You can also see how your funds are growing. That is why knowing how to check NPS balance becomes very important.
Ways to Check NPS Balance Online
One of the fastest ways to check your NPS balance is through online portals. Every subscriber is given a unique PRAN (Permanent Retirement Account Number). You can use it to log in and see your balance.
There are three main Central Recordkeeping Agencies (CRAs):
NSDL (Protean)
KFintech
CAMS
If your NPS account was opened through NSDL, go to the Protean CRA portal and log in with your PRAN. After logging in, go to the Transaction Statement to see your balance.
For accounts under KFintech, visit cra.kfintech.com. Enter your PRAN and password. Then, you can view holdings and check transactions.
If your account is with CAMS, use their CRA website. You’ll see a dashboard showing your current NPS value.
In all portals, the process is simple. You just need PRAN, password, and internet access. The interface is user-friendly, and the balance is shown in real-time.
NPS Balance via Mobile App
If you don’t want to use a website, you can also use the NPS mobile app. The app is available for both Android and iOS users.
After installing the app, log in using your PRAN and password. Then tap on “Current Holding” to see your balance. You can also view past contributions and check how much interest has been added.
The mobile app is fast and easy to use. Many people prefer this option because they can check their balance anytime, anywhere.
How to Check NPS Balance through UMANG App
Another great way is using the UMANG App. This app combines many government services, including NPS. After downloading the app, search for NPS in the menu.
Choose your CRA (NSDL, KFintech, or CAMS), and log in using your PRAN and password. Once you are logged in, go to “Account Details” or “Current Holding.”
It’s a very helpful method, especially for users who don’t want to visit multiple websites. It brings all CRAs together in one app.
Check Balance through SMS and Missed Call
If you don’t have internet access, you can still check your NPS balance. Like using the Karnataka bank balance check number, NPS also allows balance check via SMS and missed calls.
To use this feature, first register your mobile number on the CRA portal. Once registered:
Dial 9212993399 from your registered mobile.
Or give a missed call to 1800 120 1240.
You will get an SMS with your balance details.
This is the most convenient way to check your NPS balance when you are on the move or don’t have data.
NPS Balance Check Options
Here’s a table that shows different ways you can check your NPS balance:
| Method | Internet Needed | Login Required | Speed | Availability |
|---|---|---|---|---|
| CRA Website | Yes | Yes | Fast | 24/7 |
| NPS Mobile App | Yes | Yes | Very Fast | 24/7 |
| UMANG App | Yes | Yes | Very Fast | 24/7 |
| SMS/Missed Call | No | No | Instant | 24/7 |
How Often Should You Check Your NPS Balance?
It’s a good idea to check yourat least once a month. This helps you monitor growth and see if your fund manager is performing well.
If you have chosen Auto choice, checking the balance helps track how equity and debt funds are changing. If you are using Active choice, you can see how your manual selections are performing.
Knowing how to check balance will help you make smarter investment decisions.
NPS Email Statements and Annual Report
Subscribers also get an annual Statement of Transaction (SOT). It shows the entire year’s activity in one document.
You can also request an instant SOT by logging into your CRA portal. The statement gives full details, including contributions, interest earned, and current holdings.
Make sure your email is updated in your NPS profile to get alerts and statements. That way, you won’t miss any important updates.
Conclusion
Now you know how to check NPS balance using different ways like websites, mobile apps, SMS, and UMANG. Whether you use a smartphone or a basic phone, you have multiple ways to stay updated about your pension fund.
Just like UCO bank balance check number or Karnataka bank balance check number, knowing where and how to look makes everything easier. Stay aware of your savings and keep track of your retirement fund. This is the best way to plan for a secure and peaceful future.
If you still have questions about your NPS balance, feel free to explore the CRA websites or talk to your POP (Point of Presence). Keep your PRAN safe and never share your password with anyone.
