How to Update Nominee in NPS Online & Offline

Keeping your NPS nominee details updated is one of those small but critical tasks that many subscribers overlook. Whether it’s due to marriage, birth of a child, or change in family circumstances, updating the nominee in your NPS account ensures that your accumulated pension wealth goes to the right person without legal hurdles.

Let’s see how to update nominee in NPS, both online and offline, in a simple step-by-step manner.

Why Updating Nominee in NPS Is Important

Nomination in NPS decides who will receive your NPS corpus in the event of your death. If nominee details are outdated or missing:

Family members may face delays in claiming benefits
Legal documentation may be required
Settlement process can become complicated

Keeping nomination details current avoids all this.

Who Can Update Nominee in NPS?

You can update nominee details if you are:

An active NPS subscriber
Holding a valid PRAN (Permanent Retirement Account Number)
Registered under Tier I or Tier II NPS account

Information Required to Update NPS Nominee

Before starting, keep the following details ready:

PRAN number
Nominee name(s)
Relationship with nominee
Date of birth of nominee (mandatory for minors)
Percentage share for each nominee (total must be 100%)

How to Update Nominee in NPS Online (Through CRA Portal)

This is the fastest and most convenient method.

Step 1: Login to NPS CRA System

Visit the official CRA (Central Recordkeeping Agency) portal
Login using your PRAN and password

Step 2: Go to Nominee Update Option

Select “Update Details”
Choose “Update Nomination Details”

Step 3: Enter Nominee Details

Add, modify, or delete nominee(s)
Mention relationship and percentage share
Ensure total allocation equals 100%

Step 4: Submit and Authenticate

Review the details carefully
Authenticate using OTP / e-Sign / Aadhaar-based verification
Submit the request

Once submitted successfully, the nominee details are updated immediately in most cases.

How to Update Nominee in NPS Offline (Physical Form)

If you are not comfortable with the online method, you can use the offline route.

Step 1: Obtain Nomination Change Form

Download the NPS Nomination Change Form (Form S2)
or
Collect it from your Point of Presence (POP) or employer (for government employees)

Step 2: Fill in the Details

Enter PRAN
Provide updated nominee information
Mention percentage allocation clearly

Step 3: Submit to POP or DDO

Submit the form to:
- POP-SP (for All Citizens Model), or
- DDO / Office (for Government sector subscribers)

After verification, the changes are uploaded to the CRA system.

Special Points to Note

You can nominate more than one person
Nomination percentage must total 100%
For minor nominees, guardian details are mandatory
You can change nominee any number of times
Nomination applies separately for Tier I and Tier II accounts

How to Check Updated Nominee Details in NPS

After updating, you can verify nominee details by:

Logging into CRA portal
Downloading your NPS account statement
Checking nomination section in PRAN details

Common Mistakes to Avoid

Forgetting to update nominee after marriage
Leaving nomination percentage incomplete
Not assigning a guardian for minor nominee
Assuming employer update automatically updates NPS nominee

Updating nominee in NPS is a simple but crucial financial housekeeping task. It takes just a few minutes online and ensures that your hard-earned retirement savings reach your loved ones without complications.

If you haven’t checked your NPS nomination details recently, now is a good time to do it.