Link NPS Account with Aadhaar Card Online & Offline?

Last Updated : Jan. 6, 2025, 2:45 p.m.

The National Pension System (NPS) is a government-backed pension program that enables individuals to retire with a substantial corpus. Managed by the Pension Fund Regulatory and Development Authority (PFRDA), NPS was initially launched in 2004 to benefit government employees and was extended to all citizens in 2009. An NPS subscriber is required to maintain just one account and contribute a minimum of INR 6,000 per month. Upon retirement, a subscriber can withdraw a part of the corpus in a lump sum and use the remainder to purchase an annuity for a regular monthly income.

Linking Aadhaar to NPS Account Online

Linking your Aadhaar card to your NPS account is straightforward, with slightly different processes for new and existing subscribers. Here’s how you can do it:

For Existing Subscribers:

• Sign in to your NPS account by entering your user ID and password.

• Go to the “Update Details” section and choose “Update Aadhaar/Address Details.”

• Enter your Aadhaar number twice for confirmation.

• Click on the “Generate OTP” button, then click “Proceed” to authorize NSDL e-Gov to initiate the linking process.

• You will receive an OTP on your registered mobile number.

• Enter the OTP and click on “Continue.”

• Once authenticated, your Aadhaar will be linked to your NPS account.

For New Subscribers:

A new subscriber may open a new NPS account online and link it to Aadhaar at the same time. In order to link Aadhaar with NPS account online for new subscribers, you just need to follow the steps below:

• Visit the NSDL eNPS website.

• Select the "Registration" option.

• Enter your Aadhaar number and click the "Generate OTP" button.

• Check the disclaimer box, then click the "Proceed" button.

• Enter the OTP that was sent to the phone number linked with your Aadhaar.

• Complete the NPS registration form, make the payment, and receive your acknowledgment number.

• Submit your details to obtain your Permanent Retirement Account Number (PRAN) .

• E-sign the registration form to finalize the NPS subscription process.

Key Points to Remember While Linking Your Aadhaar Card to NPS Account

Here are some important things to remember when linking your Aadhaar number with your NPS account:

• Ensure the name on your PRAN matches the name on your Aadhaar card .

• Even if you provided your Aadhaar at the time of initial subscription, you must complete the Aadhaar-NPS linking process.

• Aadhaar-NPS linkage is possible only through the Aadhaar OTP authentication method.

• Your mobile number must be linked to your Aadhaar to use this service. If not already done, link your mobile number to Aadhaar.

• For government employees, Aadhaar seeding starts only after the respective Nodal officer approves the request.

Benefits of Linking the NPS Account with Aadhaar

Here are some advantages of linking your NPS account with Aadhaar:

• Linking Aadhaar with NPS simplifies the online account opening process through Aadhaar authentication.

• Aadhaar seeding instantly satisfies KYC requirements.

• The government mandates linking NPS accounts with Aadhaar to monitor financial transactions and provide tax exemptions.

• E-KYC via Aadhaar eliminates the need for extensive paperwork, and Aadhaar OTP enables real-time, instantaneous verification.

Conclusion

Linking your Aadhaar card with your National Pension System (NPS) account not only simplifies the account management process but also enhances security and compliance with government mandates. This integration facilitates smoother transactions, meets Know Your Customer (KYC) requirements instantly, and ensures that financial activities are efficiently monitored. Whether you are a new subscriber setting up your account or an existing subscriber updating your details, the process is designed to be user-friendly, leveraging technology for convenience and reliability. By keeping your information synchronized and up-to-date, you prepare for a secure financial future, harnessing the benefits of both the Aadhaar system and the NPS.