How To Link NPS Account with Aadhaar Card – Step by Step Guide

The Indian government has introduced a system of linking various schemes to individual documents to curb fraudulent activities. One such initiative is the mandatory linking of the National Pension System (NPS) account to an Aadhaar card. This step has been taken to ensure transparent verification and efficient tracking of beneficiaries.

For government employees, linking their NPS account with Aadhaar is essential to access pensions and other post-retirement benefits. By integrating Aadhaar with the NPS, individuals' data is stored in a centralized system, enabling them to claim their pensions seamlessly at any time.

This linking process not only enhances transparency but also simplifies the management of post-retirement benefits. Read the following guide for detailed steps and information on how to link your NPS account with Aadhaar.

Benefits of Linking NPS Account with Aadhaar

Here are the benefits of linking an NPS account with Aadhaar, rewritten with some modifications:

• Streamlined Account Opening: Aadhaar authentication has significantly simplified the process of opening an NPS account online, making it faster and more efficient.
• Enhanced Compliance and Benefits: The government has issued guidelines for NPS subscribers to link their accounts with Aadhaar to better track financial activities and provide tax exemptions to eligible taxpayers.
• Effortless KYC Compliance: Linking your NPS account with Aadhaar enables you to meet KYC requirements easily, ensuring hassle-free account management.
• Reduced Paperwork and Real-Time Verification: Using Aadhaar for e-KYC eliminates the need for excessive paperwork. Additionally, Aadhaar OTP facilitates quick and real-time verification, ensuring a seamless experience for users.

Guidelines to Link NPS Account with Aadhaar Card

Here are the revised guidelines for linking your NPS account with your Aadhaar card:

• Name Match Requirement: Ensure that the name on your Aadhaar card matches the name on your PRAN (Permanent Retirement Account Number).
• Mandatory Aadhaar-NPS Linking: Even if you provided your Aadhaar details during subscription, you must still complete the Aadhaar-NPS linking process separately.
• Aadhaar OTP Authentication: The Aadhaar-NPS linking is conducted exclusively through the Aadhaar OTP authentication method.
• Mobile Number Linkage: Your mobile number must be linked to your Aadhaar card to use this feature. If not already done, you will need to connect your mobile number with Aadhaar first.
• Approval for Government Employees: Government employees can only proceed with Aadhaar seeding after obtaining approval from their respective Nodal Officer.

These guidelines ensure a smooth linking process and compliance with the necessary requirements.

Process to Link NPS Account with Aadhaar Card for New Users

To link your NPS account with your Aadhaar card as a new user, follow these steps:

• Visit the official NSDL e-NPS website.
• Once the homepage loads, click on the "Registration" button.
• A new page will open, where you can select your preferred option.
• Enter your Aadhaar card number and click on the "Generate OTP" button.
• You will receive an OTP on your registered mobile number. Enter the OTP and click "Continue" to proceed.
• The NPS registration form will appear on your screen.
• Fill in the form with all the necessary details carefully.
• Make the required payment to proceed further.
• After a successful transaction, an acknowledgment number will be displayed on the screen. Save this number for your reference.
• Submit the registration details by following the on-screen instructions.
• Your Permanent Retirement Account Number (PRAN) will be automatically generated.
• Complete the process by e-signing the registration form. This finalizes the Aadhaar linking with your NPS account.

By following these steps, you can successfully link your NPS account with your Aadhaar card and start managing your pension contributions efficiently.

Process to Link NPS Account with Aadhaar for Existing Users

To link your Aadhaar with your NPS account, follow these steps:

• Visit the official NSDL e-Gov website at https://cra-nsdl.com/CRA/.
• On the homepage, log in to your NPS account using your credentials.
• Once logged in, navigate to your account dashboard.
• In the Update Details section, select the Update Aadhaar/Address Details option.
• A new page will appear.
• Enter your Aadhaar number in the provided field and re-enter it to confirm.
• Click on the Generate OTP button to proceed.
• Confirm your consent to link Aadhaar by clicking on the Proceed button.
• You will receive a One-Time Password (OTP) on your registered mobile number.
• Enter the OTP in the designated field for verification.
• Once the OTP is verified, the linking process will be completed, and your NPS account will be linked to your Aadhaar.

Ensure that your mobile number is linked with your Aadhaar to receive the OTP for verification.

Summary of How To Link NPS Account with Aadhaar Card

Linking your NPS account with Aadhaar ensures transparency, compliance, and seamless management of pension benefits. For new users, the process involves registering on the NSDL e-NPS website, providing Aadhaar details, and completing e-KYC. Existing users can log in to the NSDL portal, update Aadhaar details, and authenticate via OTP sent to their registered mobile number. Ensure your mobile is linked with Aadhaar for a smooth process.