How to Open NPS Account: Online, Offline & Complete Process Explained

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Where to Open an NPS Account?

As mentioned previously, you can open an NPS account online from the official NSDL website or KFINTECH website. But, in case you want to follow the offline process, you can visit a Point of Presence Service Provider.

Listed below are banks and other institutions that act as service providers where NPS can be opened.

Intermediary	Charge Head and Service Charges for Private Sector
Point of Presence Service Providers	*NA for Government
Point of Presence Service Providers	The initial registration and contribution upload is ₹200
Point of Presence Service Providers	Subsequent transactions charges are calculated as: 0.25% of the contribution, Minimum: ₹20, Maximum: ₹25000, Non-financial transactions: ₹20
Point of Presence Service Providers	Persistency > 6 months & ₹1000 contribution is charged at ₹50 per annum
Point of Presence Service Providers	Contribution through eNPS is charged at 0.10% of the contribution Minimum ₹10, Maximum ₹10,000

Intermediary	Charge Head	Service Charges (Private/Govt)
CRA	PRA Opening Charges	CRA charges for an account for a physical PRAN card (in ₹ ): NCRA: ₹40, KCRA: ₹39.36
CRA	PRA Opening Charges	CRA charges for account opening for an e-PRAN card (in ₹ ) - The welcome kit has been sent physically: NCRA: ₹35, KCRA: ₹39.36
CRA	PRA Opening Charges	CRA charges for account opening for an e-PRAN card (in ₹ ) - The welcome kit has been sent via email only: NCRA: ₹18, KCRA: ₹4
CRA	Annual PRAN maintenance cost per account	NCRA: ₹95, KCRA: ₹57.63
CRA	Charge per transaction	NCRA: ₹3.75, KCRA: ₹3.36

Bank and Non-Bank Institutes That Are POPs	Bank and Non-Bank Institutes That Are POPs	Bank and Non-Bank Institutes That Are POPs
Abhipra Capital Limited	Finwizard Technology Private Limited	Punjab National Bank
Alankit Assignments Limited	Gujarat Infotech Limited	Religare Broking Limited
Angel Broking Limited	HDFC Bank Limited	SMC Global Securities Limited
Arihant Capital Markets Limited	ICICI Bank Limited	State Bank of India
Bank of Baroda	IDBI Bank Limited	Steel City Securities Limited
Bank of India	Indian Bank	Stock Holding Corporation Of India Limited
Bank of Maharashtra	Indian Overseas Bank	Tamilnad Mercantile Bank Ltd
Canara Bank	Integrated Enterprises (India) Private Limited	The Karur Vysya Bank
Central Bank of India	Kotak Mahindra Bank Limited	The South Indian Bank Limited
Dayco Securities Private Limited	Marwadi Shares and Finance Limited	UCO Bank
DBFS Securities Limited	Muthoot Finance Limited	Way2Wealth Brokers Private Limited
Monarch Networth Capital Limited	Union Bank Of India	Elite Wealth Advisors Limited
ESAF Small Finance Bank Limited	Narnolia Securities Limited	Yes Bank Limited
Eureka Stock And Share Broking Services Limited	Prudent Corporate Advisory Services Limited	Punjab National Bank

How to Open an NPS Account: Online & Offline

Steps to Open an NPS Account

How to Open an NPS Account Online

How to Open an NPS Account Offline

What Are the Documents Required to Open an NPS Account?

Details Required to Open NPS Account

What Are the Charges for Opening an NPS Account?

Where to Open an NPS Account?

Frequently Asked Questions

✓ What is the minimum NPS contribution?

✓ How long is the NPS account valid?

✓ Does NPS contribution have to be made each year?

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