How to Access Your NPS Statement

The National Pension Scheme (NPS) is a retirement savings scheme that aims to provide retirement benefits to all Indian citizens. It encourages you to make regular contributions across your employment period and build a significant retirement corpus. It is market-linked and managed by a professional fund manager, facilitating incredible potential for wealth creation.
NPS is also highly tax efficient. You can get a tax benefit of up to ₹2 lakh every financial year.
NPS Accounts are of two types – Teir 1 and Teir 2. You must hold a Tier 1 account until retirement, as it does not allow partial withdrawals. Tier 2 account is a voluntary account. You can make withdrawals from it at any given time. You can view your NPS Account transactions in your Account Statement. Know more about the NPS transaction statement below.

The following are two ways to obtain an NPS Account statement:

Via the Central Recordkeeping Agency (CRA) portal 

• Step 1: Visit the CRA portal website where you hold an NPS Account.
• Step 2: Log in using your Permanent Retirement Account Number (PRAN) and password.
• Step 3: Enter any other information the website prompts to log in successfully.
• Step 4: Once you have successfully logged in, you can navigate to NPS statement and conveniently download your NPS statement.

Note the CRA periodically sends NPS Account statements to your registered email address. Check your inbox to access the statement.

Via DigiLocker

• Step 1: Register for DigiLocker using your mobile or Aadhaar Card numbers.
• Step 2: Enter the One-Time Password (OTP) received on your mobile number to authenticate the login request.
• Step 3: Search for ‘PFRDA’ in DigiLocker and select your CRA.
• Step 4: Select the NPS Account statement from the listed options.
• Step 5: View your NPS Account statement instantly.
• Step 6: Choose the account type to view – Tier 1 and Tier 2 separate account statements or a combined statement.

Your NPS statement will be password-protected. You must enter the NPS statement password as instructed in the mail received with the statement. 

The Pension Fund Regulatory and Development Authority (PFRDA), in collaboration with the Securities and Exchange Board of India (SEBI), has announced that all NPS subscribers can now integrate their NPS Statement of Transactions (SOT) with their Consolidated Account Statement (CAS).
This integration allows you to view updated market values for your NPS, personal securities investments, and mutual fund holdings in one statement. Here are the key details:

• Integration Enabled: PFRDA has facilitated integration for all Central Record Keeping Agencies (CRAs) with SEBI-registered depositories, enabling NPS transactions to be included in your CAS.
• Subscriber Option: All NPS subscribers can include their NPS SOT in their CAS by visiting their CRA’s website.
• Charges: There is a nominal fee of 10 paise for receiving the integrated NPS statement via email. For a physical copy, an introductory fee of ₹1 applies.

Following are general steps you must follow to include NPS details in CAS:

• Step 1: Visit your CRA's NPS portal.
• Step 2: Log in using your Permanent Retirement Account Number (PRAN) and password.
• Step 3: Authenticate the login request by entering the One-Time Password (OTP) received on your registered mobile number.
• Step 4: Navigate to the option to include NPS details in CAS.
• Step 5: Enter your PRAN, PAN Card, Date of Birth, and other required data.
• Step 6: Read the consent declaration form thoroughly before checking the box for submission.

After submitting the consent declaration form, your NPS transaction details will appear in the next month's CAS. 

NPS helps you build a significant financial corpus and create a reliable pension source for your retirement period. Start your retirement saving journey with HDFC Bank today. Open an NPS Account by following simple steps!​​​​

*Terms and Conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice before you take any/refrain from any action.