Unlocking your NPS (National Pension System) account is a simple process that can be done in a few steps. If you've forgotten your password or your account is locked, you can reset your credentials through the NPS website by using your PRAN, Aadhaar, or registered mobile number for OTP verification. You can also reach out to your NPS service provider or Point of Presence (POP) for assistance.
Whether you’re dealing with a forgotten password, an inactive account, or just need a little help getting back in this guide will help you through all the easy steps to unlock your NPS account and make sure you’re back on track with your financial planning.
Why your NPS account may be locked
Before diving into how to unlock your NPS account, it’s helpful to understand why your account may have been locked in the first place. Common reasons include:
Forgotten password or IPIN: The NPS login system requires an IPIN (Internet Personal Identification Number). If you’ve forgotten your IPIN or entered it incorrectly multiple times, your account may get locked.
Inactivity: If you haven’t accessed your NPS account for a long period, it might get temporarily deactivated.
Incorrect PAN/Aadhaar details: If there’s a mismatch or error with your PAN or Aadhaar details linked to the account, it can cause login issues.
Multiple failed login attempts: Entering incorrect login details repeatedly can also result in a locked account for security reasons.
How to unlock your NPS account
There are several ways to unlock your NPS account, depending on the issue you are facing. Follow these steps to regain access:
1. Reset your NPS password (IPIN)
The most common reason for an account lock is a forgotten or incorrect password. Here’s how you can reset it:
- Step 1: Visit the official NPS website at www.cra-nsdl.com.
- Step 2: On the homepage, click on ‘Login’ under the National Pension System section.
- Step 3: Click on ‘Forgot Password’ (IPIN) under the login section.
- Step 4: You will be prompted to enter your Permanent Retirement Account Number (PRAN) and the Date of Birth (DOB) linked to your account.
- Step 5: Choose to receive a One-Time Password (OTP) on your registered mobile number or email.
- Step 6: Enter the OTP and follow the instructions to set a new password.
Once you reset your password, you should be able to log back into your account.
2. Unlock using Aadhaar-based verification
If you have your Aadhaar number linked to your NPS account, you can use it for account verification. Follow these steps:
- Step 1: Visit the NPS portal.
- Step 2: Click on ‘Login’ under the National Pension System.
- Step 3: Select ‘Forgot Password’ and choose Aadhaar-based authentication from the options.
- Step 4: Enter your Aadhaar number and PRAN.
- Step 5: You will receive an OTP on the mobile number linked with your Aadhaar.
- Step 6: After entering the OTP, follow the steps to unlock your account and reset your password.
If you are unable to unlock your account through the online methods, you can contact your Point of Presence (POP), which is typically your NPS service provider (e.g., bank or financial institution). They can assist you in unlocking your account.
- Step 1: Visit or call your POP and explain the issue you are facing.
- Step 2: You may be asked to provide identification documents like your PRAN, Aadhaar, or PAN card.
- Step 3: Once your identity is verified, your POP will help you unlock your account or reset your login credentials.
If you're still having trouble, you can reach out to the NPS customer care helpdesk for further assistance.
NPS call center: 1800-222-080 (toll-free)
Email: Write to grievances@nsdl.co.in or info.cra@nsdl.co.in with your PRAN and the issue you're facing.
They will guide you through the process and may even reset your account manually if needed.
How to prevent your NPS account from getting locked again
To avoid future issues with accessing your NPS account, keep the following tips in mind:
Keep your credentials safe: Store your PRAN, IPIN, and other login details securely and avoid sharing them with anyone.
Update contact information: Ensure your registered mobile number and email address are up to date, so you can receive OTPs and account-related alerts.
Login regularly: Even if you don’t need to check your account frequently, try to log in at least once every few months to avoid any inactivity-related issues.
Enable password recovery options: Keep your Aadhaar and mobile number linked with your NPS account for easy password recovery.
Unlocking your NPS account is a straightforward process, whether you’ve forgotten your password or encountered other issues. By following the steps outlined above, you should be able to regain access to your account in no time.
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