How to Check NPS Balance Online – Step by Step Guide for Subscribers

Checking your National Pension System (NPS) balance no longer requires paperwork or visits to offices. Whether you are a Central Government employee, State Government employee, or a private subscriber, your NPS account balance can be checked online in a few minutes using your PRAN (Permanent Retirement Account Number).

This guide explains all official online methods to check your NPS balance, in simple steps.

What You Need Before Checking NPS Balance

Keep the following details ready:

PRAN (12-digit Permanent Retirement Account Number)
Registered mobile number
Internet access (mobile or desktop)

That’s all. No documents are required.

Method 1: Check NPS Balance Through CRA (NSDL) Website

This is the most commonly used and official method.

Step-by-Step Process

Visit the CRA (Central Recordkeeping Agency) NPS portal
Click on “Login” → select “Subscriber Login”
Enter your PRAN and password
- First-time users can generate a password using the “Forgot Password” option
After login, go to “Account Summary”
Your total NPS balance, scheme-wise holdings, and latest valuation will be displayed

What You Can See

Total accumulated NPS corpus
Tier I and Tier II balances (if applicable)
Scheme-wise units and value
Contribution history

This method gives the most detailed view of your NPS account.

Method 2: Check NPS Balance Using NPS Mobile App (Protean CRA)

For users who prefer mobile access, the official NPS app works well.

Steps

Download the “NPS by Protean” app from Play Store or App Store
Open the app and select Subscriber Login
Enter your PRAN and password
View your NPS balance and account details on the dashboard

Why Use the App

Quick access on mobile
Clean dashboard
Easy tracking of balance and contributions

Ideal for regular monitoring.

Method 3: Check NPS Balance Without Login (Using PRAN & OTP)

If you don’t remember your password, you can still check limited details.

Steps

Go to the CRA NPS website
Select “Check PRAN Account Status”
Enter your PRAN and date of birth
Verify using OTP sent to your registered mobile
Basic account details and status will be shown

Note: This method shows limited information, not a full balance breakup.

Method 4: Check NPS Balance Through SMS

A quick option if internet access is limited.

How It Works

Send an SMS from your registered mobile number: NPSBAL <space> PRAN
Send it to 9212993399

You will receive an SMS with your current NPS balance and account status.

Method 5: Check NPS Balance via Missed Call

Another simple option.

Give a missed call to 9212993399 from your registered mobile number
You will receive an SMS with your NPS balance details

This works only if your mobile number is correctly linked with your PRAN.

Common Issues While Checking NPS Balance

Forgot PRAN
You can retrieve PRAN using your registered mobile number on the CRA website.

Mobile number not updated
Balance details via SMS or OTP will not work. Mobile number must be updated through DDO or CRA portal.

Contribution not reflecting
Recent contributions may take a few days to appear due to processing and unit allocation cycles.

How Often Is NPS Balance Updated?

NPS balance is updated daily based on NAV
Contributions usually reflect within 2–5 working days
Market fluctuations affect the displayed value

Important Points to Remember

NPS is a market-linked pension scheme
Balance may go up or down depending on market performance
Always check scheme-wise allocation, not just total amount
Regular monitoring helps in better retirement planning

Checking your NPS balance online is quick, free, and fully digital. Whether through the CRA website, mobile app, SMS, or missed call, subscribers now have multiple options to stay updated on their retirement savings.

Keeping an eye on your NPS balance ensures transparency, helps track employer contributions, and allows informed decisions about asset allocation and long-term planning.