How to check your NPS balance?

Your retirement plan deserves regular health checks—and tracking your National Pension System (NPS) balance is a great way to do that. Thankfully, with digital tools now available, you don’t need to visit a branch or fill out lengthy forms to access your NPS details.

In this guide, we’ll walk you through simple and quick ways to check your NPS balance online. Additionally, we’ll explain how complementing your NPS investments with Bajaj Finance Fixed Deposits (FDs) can help you secure your retirement with guaranteed returns, check latest rates. 

The National Pension System (NPS) is a government-backed voluntary retirement savings scheme open to Indian citizens and NRIs. It operates on a defined-contribution model where your investments are directed toward market-linked instruments, managed by professional fund managers under the oversight of the Pension Fund Regulatory and Development Authority (PFRDA).

NPS offers tax benefits, flexibility in asset allocation, and the potential for long-term wealth creation. However, since returns are market-driven, they are not guaranteed.

Log in to the official NPS portal (NSDL)

You can access your NPS balance through the NSDL portal using your PRAN (Permanent Retirement Account Number).
Steps:

• Visit the NPS portal
• Log in using your PRAN and password
• Navigate to the Transaction Statement or Holding Statement section to view your balance

Want stable returns while you track your NPS? 

Open a Bajaj Finance FD with interest rates of up to 7.30% per annum and enjoy peace of mind. Open FD Account.

Use the Umang App

The Umang app provides easy access to your NPS details on your phone.
Steps:

• Download and install the Umang app
• Register using your PRAN and registered mobile number
• Access your holdings and recent contributions through the app

If you don't have internet access, you can still check your balance via SMS by giving a missed call.
Steps:

• Register your mobile number on the NSDL portal
• Give a missed call to 1800-210-0080 or 9212993399 from your registered number
• Receive your NPS balance via SMS

Want assured returns without tracking the market? 

Bajaj Finance FDs offer guaranteed growth on deposits starting from Rs. 15,000. Check FD Rates.

Also Read: How to Change Name in NPS Account Online
 

Stay informed without logging in—just enable email notifications.
Steps:

• Log in to your NSDL NPS account
• Update your email in Profile Settings
• Opt in for email statements and balance alerts

This method is ideal for those who prefer passive tracking of their pension corpus.

How to check my NPS account balance instantly?

You can instantly check your NPS account balance online by logging into the official portal or mobile app using your PRAN and password. Once logged in, your balance is displayed on the dashboard or under the “Account Summary” or “Holding Statement” section. You can also use apps like UMANG or missed call/SMS services for quick access.

There are multiple digital methods available to check your NPS balance. However, certain basic requirements must be in place before using any of these options. The following prerequisites help ensure a smooth and secure NPS balance check process:

• NPS account number:
  After registering as an NPS subscriber, you receive a unique account number that serves as your identification within the system.
• PRAN (permanent retirement account number):
  PRAN is a unique 12 digit number allotted to every National Pension System subscriber. It acts as a lifetime identifier and allows access to pension account details and related services.
• Internet connection:
  To check your NPS balance through the website, mobile app, or email request, a stable internet connection is required. If internet access is unavailable, you may use SMS or missed call services to obtain balance information.
• Access to registered mobile number and email ID:
  Ensure you can access your registered mobile number and email ID when requesting statements. Verification messages or alerts may be sent to confirm your request and deliver the account details securely.

Importance of regularly checking your NPS account balance

• Enhances financial awareness
  Regularly checking your NPS balance helps you stay updated on contributions and overall portfolio performance, giving clarity on how your retirement savings are growing over time. 
• Keeps retirement planning on track
  Monitoring your balance allows you to assess whether you are aligned with your retirement goals and make timely adjustments if needed. 
• Supports better investment decisions
  Reviewing your account helps evaluate fund performance and decide on increasing contributions or changing asset allocation. 
• Tracks long-term growth trends
  Periodic checks help identify patterns in returns and understand the impact of compounding on your overall corpus. 
• Improves overall financial discipline
  Staying engaged with your NPS account encourages consistent investing and better financial management for long-term wealth creation.
   

Why consider fixed deposits alongside NPS?

While NPS helps build long-term wealth, it is still subject to market volatility. A well-rounded portfolio that includes stable instruments like Fixed Deposits can offer both certainty and liquidity.

Also Read: How to Invest in NPS Online

Understanding your NPS account balance statement

An NPS account balance statement gives a detailed overview of your investments, including contributions, units allocated, NAV, and the total accumulated value across Tier I and Tier II accounts. Reviewing this statement regularly helps you track portfolio growth, assess fund performance, and make better long-term retirement decisions.

Components of the Statement

The statement includes key details such as your contributions, units allotted, NAV (Net Asset Value), and total corpus value. It may also show fund-wise allocation and transaction history, helping you understand where and how your money is invested within NPS.

Interpreting Performance Over Time

By analysing your statement periodically, you can track how your investments have grown over time. It helps identify performance trends, compare fund returns, and make informed decisions about asset allocation or fund manager changes for better retirement outcomes.

Also Read: NPS Payment Through Credit Card

How Bajaj Finance FDs Support Your Retirement Plan
 

• Fixed Returns, No Surprises: Bajaj Finance FDs offer returns of up to 7.30% p.a., unaffected by market fluctuations.
• Income Flexibility: Choose interest payouts monthly, quarterly, half-yearly, yearly or at maturity—ideal for managing post-retirement income.
• Senior Citizen Advantage: Individuals over 60 can enjoy an additional interest rate benefit of up to 0.35% p.a.
• Trusted & Safe: Bajaj Finance FDs carry AAA ratings from both CRISIL and ICRA, ensuring high stability and safety of your investment.

Already planning your future with NPS? 

Add stability to your retirement mix with a AAA-rated Bajaj Finance FD today. Check Eligibility.

Regularly tracking your NPS balance ensures your retirement planning stays on course. With digital tools like the NSDL portal, Umang app, missed call service, and email alerts, you can stay updated without any hassle.

But planning for retirement isn't just about the long term. Combining your NPS investment with stable, fixed-return options like Bajaj Finance Fixed Deposits can help you address short-term needs, reduce market dependency, and build a well-rounded retirement portfolio. Open FD account.