How to Update Details in NPS Account?

Investing in the National Pension Scheme ensures considerable income for a beneficiary after retirement. However, an individual often needs to update their NPS account details. For example, knowing how to change the nominee in your NPS account is a crucial process that can help when the need arises.

This particular article would prove to be highly helpful for someone searching how to change nominees in NPS and those looking to update other vital details like NPS mobile number change, NPS date of birth correction, NPS name correction online, NPS nominee change online, etc.

Team Digit

How to Change Personal Details in an NPS Account through the eNPS Portal?

Subscribers can change their personal details by logging into their accounts using the appropriate login ID and password.

What Details Can You Update in an NPS Account through the eNPS Portal?

A subscriber can carry out a number of corrections in the NPS account through the eNPS portal. These include:

Change of permanent and correspondence address
Changing scheme preference
Changing email
NPS mobile number update
Resetting IPIN
Updating Aadhaar
Changing nominee details

Updating Mobile or Telephone Number and Email ID Details in NPS Account through eNPS Portal

“How to change mobile number in NPS” - Are you looking for answers to this question?

Read through!

Log in to the CRA system along with IPIN and PRAN.
Choose the option marked “Update Contact Details” to add or modify mobile or telephone number and email ID.
Subscribers are required to confirm all changes, and after updating details successfully, an SMS and an email would be sent on their old and updated contact details.

For cases where a subscriber does not possess an IPIN:

Access the CRA web portal and choose the “Resetting of IPIN” option on the homepage under value-added services for resetting IPIN.
Input all mandatory details for regenerating an instant IPIN through an OTP, which would be forwarded to the registered mobile number.
For cases where mobile number registration is not done, IPIN, in that case, should be reset by providing an online request and getting the authorisation of that by Nodal Office.

Updating Aadhaar Card Details

Subscribers should link their NPS accounts with their Aadhaar. However, for all existing subscribers, updating the details can be necessary. Following are steps for updating Aadhaar details:

Firstly, login into the NPS account with the help of a user ID and password.
Click on “Update Details” and select the submenu option stating “Update Aadhaar/Address Details.”
Then choose “Add/Update Aadhaar Number.”
The next step involves submitting the Aadhaar number.
In this step, subscribers would be receiving an OTP sent by UIDAI on their registered mobile number.
After One Time Password authentication is complete, the Permanent Retirement Account Number or PRAN linked to the subscriber’s NPS account, which was used for logging in, would be linked along with the provided Aadhaar number.

Subscribers must note that the name mentioned in the PFRDA must match that name given on the Aadhaar card.

Updating Address Details in NPS Account

“How to update your address in NPS” or “How to change address in NPS” – Are these your search queries?

The answer is right here!

The process to update address details follows the same route as updating Aadhaar details. Firstly, one has to login into an NPS account by using their user ID and password. Then one must click on “Update Details” and select “Update Aadhaar/Address Details.”

The next step involves choosing the option “Update Address Details.” After this, subscribers should update their details for permanent and correspondence addresses by Aadhaar-based authentication through a One Time Password (OTP).

Updating Scheme Preference Details in NPS Account

Are you wondering how to change equity allocation in NPS?

For that, you can opt for the option to change your scheme preference, through which you can indicate your preference by mentioning the ratio through which your contribution will get invested.

For updating scheme preference details in one’s NPS account, a subscriber can go through these below-mentioned steps:

Step 1: Firstly, subscribers should log in to the subscriber portal of NPS. The login ID here would be their Permanent Retirement Account Number.

Step 2: Now, they must click on the “Transact Online” tab and select the “Change Scheme Preference” option.

Step 3: The third step involves choosing a type of account – Tier I or Tier II, and selecting the desired scheme, either an active choice or auto choice. In the auto choice option, one can make a choice between moderate, conservative, or aggressive auto choice. If subscribers select the active choice option, the percentage for asset allocation would also be indicated across the classes of assets.

Wondering whether there are NPS scheme preference change charges?

Yes, a transaction charge applies to such a change by CRA providers at standard rates, which the PFRDA approves.

Generating a New IPIN Online

The Internet Personal Identification Number or IPIN might be required to be reset by subscribers. For this, one needs to go through the following steps -

Step 1: Go to the welcome page for the National Pension Scheme account login.
Step 2: Click on the link stating “Forgot Password.”
Step 3: Choose the option “Instant Reset IPIN.”
Step 4: Input minimum necessary details such as date of birth (DOB), PRAN.
Step 5: Input a new password as per your choice.
Step 6: Subscribers would be required to choose the “Generate OTP” option. After selecting this option, subscribers receive an OTP on their registered email ID or mobile number. After receiving it, they must enter the same in the system and click on the “Submit” button.

After this, subscribers can log in with their new password. After logging into the account successfully, one can access account details, download transaction statements, etc.

How to Update Nominee in NPS

Previously, existing subscribers of the National Pension Scheme, willing to change nomination in their PRAN, had to submit Form S2. Now the process for change of nominee has gone online. The process for the same looks like this -

A particular subscriber must access their respective Central Record Keeping Agencies system or CRA system with their login details.
After this, they would be required to choose the option stating ‘Demographic Changes’ from the menu and click on the ‘Update Personal Details’ tab.
A modification screen having multiple options would appear at this step, where a subscriber would have to choose the ‘Add/Update Nominee Details’ option. After this, they would also have to select the Tier type for which nomination details need to be updated.
Then a subscriber would have to submit the OTP received on their registered mobile number.
After submitting the OTP, the changes need to be authenticated by an e-sign by choosing the “e-sign and Download” option.
By inputting a virtual or Aadhaar ID, subscribers would have to put an e-sign on the page for an e-signature. Then, an OTP would be received by them on the mobile number registered with UIDAI. Use this code and select the ‘Verify OTP’ option.
After authentication, nomination details would be updated in the records of the National Pension Scheme. Before updating, there would be the authorisation of the request by the associated Nodal Office or corporate for subscribers of the government or identified corporate sector.

The process of changing the nomination is entirely digital and does not require any paperwork. However, if the e-sign fails, updating of changes would not take place. Then, the nomination would have to be updated by subscribers via the physical format according to the previous process.

How to Seek Additional Information Regarding the Update Process

If a subscriber who is seeking some information has any grievance, they can report that through the eNPS portal. The NSDL-CRA has designed a grievance redressal process that is quick, responsive, effective, simple, and easily accessible in nature. A subscriber has several options for registering a complaint or grievance.

Under the National Pension System, an individual can register a grievance against an entity by logging into their account. Alternatively, they can visit the section stating “Log Your Grievance/Enquiry,” which is placed under the website’s “Subscriber’s Corner” section to log a query or grievance.

Subscribers can register their query or grievance even if they don’t have the PRAN details. After registering successfully, the screen will display a token number which would be used for future reference.

When a subscriber lodges a grievance, an alert generated by the system is forwarded to the entity against which grievance has been raised. The concerned entity then resolves such a grievance, and resolution details are posted in the CRA system.

After a subscriber registers a complaint on the CRA website, a unique token number gets assigned for each of their grievances. That particular token number can then be utilised by a subscriber for knowing the status of the complaint through the CRA website. For that, one first needs to visit the section titled “Log Your Grievance/Enquiry” found under the “Subscriber’s Corner” tab.

Updating NPS Account Personal Details Offline

Personal details of a subscriber can be updated or changed through the eNPS portal. You need to fill up Form S2 to enforce such changes. Before going into changing a subscriber’s personal details, one must have an idea about this Form S2.

Several details can be updated with the help of this form. As per the details which need to be changed or updated, a subscriber must choose the specific field in the form which they want to change.

In addition to these details, a subscriber can also request reissuing IPIN, TPIN, and a PRAN (Permanent Retirement Account Number) card. Besides this form, they must submit all required documents for completing the entire procedure.

When it comes to the form submission, a subscriber must send the form along with all required documents to the address of the NSDL CRA.

Now, while updating details in the form, a subscriber should only enter the details that require a change and must strike the remaining sections, which turn out to be invalid for one’s case.

Given below are some guidelines, which a subscriber must follow while filling a form for changing personal details:

Full Name – While opting to make a change for one’s name, one must support that change with requisite proof.
Gender – Change of gender must be supported by requisite proof mentioned below.
Category – Transfer of funds by NRIs will be subject to regulatory requirements according to what the Reserve Bank of India prescribes from time to time and as per FEMA requirements.
Bank Details – Subscribers of the National Pension System must provide the below-mentioned documents. The details on this cheque must match with the provided bank details.
Present and Permanent Address – For communication, a subscriber who is an NRI would be required to furnish an address in India as the present address. In addition to this, they would also have to furnish bank details within India. Every communication in future would be made to the present address mentioned.

Documents Necessary for Offline NPS Account Update

The documents required while initiating personal details change request offline are:

Full Name - Marriage certificate or a gazette copy of the change of name
Gender - A copy of a gazette notification
Bank Details - A cancelled cheque

In addition to these, there is a list of documents that are accepted as proof of address. Those are given below:

Letter from a recognised public authority which is at the level of a gazetted officer like Divisional Commissioner, BDO, District Magistrate, Judicial Magistrate, Tehsildar, Mandal Revenue Officer, etc.
Certificate of address having a photograph signed by a Member of Legislative Assembly or Member of Parliament
Aadhaar card or letter issued by the Unique Identification Authority of India, which clearly shows the address
Ration card having residential address and photograph
Bank passbook or certificate having residential address and photograph
Voters identity card having residential address and photograph
NREGA issued job cards duly signed by an officer of state government
Latest water or electricity bill in the name of the claimant or subscriber showing the address. The bill must be less than 6 months old
Latest telephone bill in the name of the claimant or subscriber showing the address. The bill must be less than 6 months old
Latest receipt of property or house tax which should not be more than 1 year old
Passport issued by the Government of India
Valid driving license consisting of residential address and photograph
Existing valid registered lease agreement on a stamp paper of house for a leased or rented accommodation

The subscriber must furnish a copy of any of these documents mentioned above.

So now that you are aware of how to change the nominee in NPS and all other related details, you can now smoothly go about updating procedures related to various aspects of the National Pension System.

Frequently Asked Questions

All

If someone has invested in any other Provident Fund, can they still invest in the National Pension Scheme?

Yes, all investments made in the National Pension System are independent of contributions made to any Provident Fund.

Suppose an individual has invested in pension funds of private or non-government entities. Can they still invest in the National Pension System?

Yes, such an individual can invest in the National Pension System as investments made in this scheme are independent of subscriptions made to any other pension fund.

Does the government make any contribution to an NPS account?

No, the government does not contribute anything towards an individual’s NPS account. However, the government of India might contribute towards accounts of NPS subscribers who choose the Swavalamban scheme subject to the scheme's conditions.