How to Link Aadhaar to NPS Account

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National Pension System (NPS) is a government-backed pension scheme that allows people to generate a considerable corpus at the time of retirement. Pension Fund Regulatory and Development Authority (PFRDA), that manages NPS, has advised subscribers to link Aadhaar with NPS accounts.

The scheme launched by the Government of India in 2004 to provide benefits to government employees which was extended for all in 2009. A subscriber has to open only one NPS account in which he has to submit at least ₹ 6,000 per month. A subscriber of NPS can withdraw a part of the amount in lump sum and utilise the remaining part to purchase an annuity and ensure he gets a regular income after retirement.

Steps to Link NPS Account with Aadhaar Online (for Existing Subscribers)

Step 1: You have to follow these simple steps to link your NPS account with Aadhaar online:
Step 2: Login to your NPS account at https://cra-nsdl.com/CRA/

Step 3: In the “Update Details” section, select the “Update Aadhaar/Address Details” option

Step 4: Enter your Aadhaar number twice and click on the “Generate OTP” button

Step 5: Click on the “Proceed” button to give consent to NSDL e-Gov for initiating the linking process
Step 6: An OTP is sent to the mobile number registered with Aadhaar
Step 7: Enter this OTP in the box provided and click on the “Continue” button
Step 8: After successful authentication, your Aadhaar will be linked with your NPS account

How to link NPS Account with Aadhaar Online (for New Subscribers)

A new subscriber can open an NPS account online and link it with Aadhaar at the time of opening the account. He has to follow the steps mentioned below to link the NPS account with Aadhaar:

Step 1: Visit the NSDL e-NPS portal
Step 2: Click on the “Registration” option
Step 3: Select the details and enter your Aadhaar number in the space provided and click on the “Generate OTP” button
Step 4: Tick the disclaimer and click on the “Proceed” button
Step 5: An OTP is sent to the mobile number registered with Aadhaar. Enter the OTP in the space provided and click on “Continue”
Step 6: Fill the NPS registration form, make the payment and generate your acknowledgement number
Step 7: Submit your registration details and generate your PRAN
Step 8: e-Sign the registration form and complete the NPS subscription process

Important Points to Remember while Aadhaar – NPS Linking

You have to keep following points in mind at the time of linking your Aadhaar number with your NPS account:

• The name mentioned in your PRAN (Permanent Retirement Account Number) should match with that mentioned in your Aadhaar card
• The subscriber has to follow the Aadhaar-NPS linking process even if he had submitted his Aadhaar at the time of subscription
• Aadhaar-NPS linking is carried out through the Aadhaar OTP authentication method only
• Your mobile number should be registered with your Aadhaar number to avail this facility. You have to link your mobile number with Aadhaar if you have not done it already.
• Aadhaar seeding for government employees gets completed only when the respective Nodal officer approves the request

Benefits of Linking the NPS Account with Aadhaar

There are a number of benefits for linking your NPS account with Aadhaar. Some of these are mentioned below:

• Opening an NPS account online has become very easy with the help of Aadhaar authentication
• Aadhaar seeding allows you to fulfil KYC norms instantly
• The government has issued guidelines to NPS subscribers to link their accounts with Aadhaar to track financial transactions and provide exemptions to taxpayers
• e-KYC through the Aadhaar number saves the subscriber of the excessive paperwork and as Aadhaar OTP ensures real-time instantaneous verification