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Secure your child’s financial future

Create a substantial corpus for your minor children by making voluntary contributions to the NPS Vatsalya scheme

CAMS Central Record keeping Agency (CRA) is regulated by PFRDA

Register with CAMS NPS for a stress-free and secure future!

Open NPS account in five minutes

Say goodbye to paperwork and open NPS account online with CAMS.

Complete digital onboarding, instant PRAN generation.

NPS Login

Save up to 2 lakhs in tax with NPS

Get exclusive tax benefit of 50k u/s 80CCD(1B), over & above 80C with investment in Tier-I account in National Pension System.

NPS Tax Benefits

Choose from multiple NPS Investment Options

Plan your retirement the way you want - choose between Active and Auto choice, Pension Fund Managers, NPS contribution amount and frequency, and Asset Allocation!

NPS Investment Options

Monitor Your Pension Online with CAMS eNPS

You can make contributions, view fund performance, update your NPS details and manage your investments – all and more, with CAMS NPS portal.

How to Open NPS Account

Start small, but start early with NPS

Leverage the power of compounding, secure your retirement, and enjoy more savings with NPS. You can start investing in NPS from 18 years of age.

Trusted & Regulated by PFRDA

NPS is regulated and governed by PFRDA.. eNPS is under the ambit of NPS Trust

CAMS, a trusted financial infrastructure serving customers for over three decades

About NPS

Open NPS account instantly

Download and register you NPS retirement account anytime, for a secure and worry free retirement with CAMS NPS Mobile App.

Get to know about
National Pension System (NPS)

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Schemes

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How to Invest in NPS

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Open your NPS account online in 5 minutes with CAMS

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Generate your PRAN number instantly

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Make regular NPS contributions in your NPS account (Tier-II account is free of annual maintenance charges)

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Accumulate your funds and enjoy compounding returns

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At retirement, you can withdraw up to 60% of compounded corpus as lump sum, and invest the remaining in annuity to receive monthly pension

How to Invest in NPS

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Open your NPS account online in 5 minutes with CAMS

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Generate your PRAN number instantly

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Make regular NPS contributions in your NPS account (Tier-II account is free of annual maintenance charges)

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Accumulate your funds and enjoy compounding returns

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At retirement, you can withdraw up to 60% of compounded corpus as lump sum, and invest the remaining in annuity to receive monthly pension

Eligibility Criteria for National Pension System

*PIO card holders are not eligible to open NPS accounts

NPS Account Types

Tier 1

Tier-I is the default account for NPS
Individuals can avail tax benefits under 80C & 80CCD(1B) up to 2 lakhs in Tier-I
You can partially withdraw up to 25% of your own contribution amount after three years from the date of opening your NPS account
Minimum contribution to start Tier-I account is Rs. 500, with a minimum annual contribution of Rs.1000 to keep the account active

Tier 2

Tier-II account is optional and can be opened along with Tier-I account
Tier-II gives easy withdrawal option with no lock-in period, full or partial withdrawal options, according to your convenience
Minimum contribution to start account is Rs.1000 and minimum subsequent contributions required is Rs. 250

NPS Investment Choices

NPS offers two options to manage your investment in four kinds of funds – Equities (E), Corporate Bonds (C), Government Securities (G) and Alternate Investment Funds (A) (Only for Tier-I) – with

Power to choose your NPS’ Pension Fund Manager (PFM)

Power to decide percentage of fund allocation

Active Choice

If you are an individual who understands the investment market well, you are likely to opt for this choice

Available asset classes - E- Equity, C- Corporate Bond, G- Government Bond & A- Alternative Investments

NPS fund is managed automatically as per chosen risk appetite by Pension Fund Manager (PFM)

Power to decide risk appetite and choose amongst Aggressive, Moderate and Conservative life cycles

Auto Choice

If you are an individual who likes to be a passive investor and have your fund manager manage your investments, Auto Choice is the option for you

Available asset classes include E- Equity, C- Corporate Bond and G- Government Bond

NPS Contributions

NPS contributions can be as low as Rs. 500

Flexibility for subscribers to decide when and how much to contribute

Subscribers up to the age of 70 years can join NPS and make contributions

Subscribers can contribute up to the age of 75 years in NPS

NPS Withdrawal

Tier 1

Tier 2

You can withdraw up to 25% of your NPS contribution for specific purposes such as buying a house, child’s marriage, and medical treatment. Withdrawal is not possible on employer contribution.

You can withdraw 100% of your total NPS contribution

Tier-I withdrawal can be made after the lock-in period of 3 years

Tier-II withdrawal is possible at any time, there is no lock-in period

Maximum three NPS withdrawals are permitted during the entire tenure for specific purposes

Maximum three NPS withdrawals are permitted during the entire tenure

How to Open NPS Account

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Login to NPS Registration page on CAMS NPS website

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Enter your profile details and complete dual OTP authentication

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Verify your KYC details and choose your investment options

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Make your initial NPS contribution and generate your PRAN Instantly

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Manage and monitor your NPS account online

Did you know? NPS Facts

You can invest in NPS till 75 years of age

You can withdraw from your NPS corpus for emergencie

Your NPS contribution can start from INR 500

NPS Updates

PFRDA has appointed Hero Mindmine Institute Pvt Ltd as a new training agency to impart training on PFRDA regulated/administered schemes. To participate in the training programs offered by the agency, stakeholders can submit their names by using the below G-form links.

For CG, SG, CAB, SAB nodal officers on behalf of the subscribers employed with their offices - https://forms.gle/mMeuzP3Qn1Rn2Bhn6
For Corporates nodal officers or the HR on behalf of the subscribers employed with their offices - https://forms.gle/9NLBm433DKp46p2k6
For the subscribers/general public - https://forms.gle/JyoydfkxuEvbYp6dA