Open NPS Account Online

Why KFintech?

Software and Solutions

Our proprietary ERP (Suprema) is the industry standard for managing NPS operations in India. Close to 100 POPs (PFRDA approved Point of Purchase) are leveraging our software to operationalize their business, making our ERP the most widely used software in India for the NPS industry. Our software and solutions are highly resilient, secure, and scalable. It is built on mobile-first microservices architectures and cloud-ready frameworks.

Our software and solutions are the backbone for servicing around 9,00,000 investors, close to 100 POPs, and thousands of POP agents. Our software is integrated with other ecosystem partners such as NPS-Fintech, PFM, Trustees, Corporates, State Governments, and District Nodal officers, offering the fastest transacting ability securely. Our software offers the safety that every asset manager is looking forward to. With data in motion and at rest encrypted and hosted in a Tier IV data center, our software offers the safety that every asset manager looks forward to.

Our platforms for POPs (Suprema), Agents (NPS Agent), PFM (Suprema), Fintech (Rest APIs), and others offer a significant reduction in Total Cost of Operation (TCO) driving growth, investor satisfaction scores, and client value simultaneously.

Built on modularized architecture, we offer our clients both an "As a Service" model and a "Build & Operate" model to suit the needs of the POPs.

XAAS

With a comprehensive array of services delivered end-to-end by KFin, the NPS ecosystem players can focus on the delivery of pension services through superior subscriber management.

Leveraging the software and services model, KFintech delivers all the services and PFM and POP needs – Branch management, Fund accounting and administration, Investor Servicing, Digital Stack (APIs and white-labeled), CRM solution, etc., facilitating an unwavering focus on subscriber experience.

KFin’s XAAS philosophy aims to reduce the Total Cost of Operation (TCO) for the POPs apart from providing models of "As a Service" and "Build-Operate/Transfer" to align with the capital cycles of the organization. Further, we modularize the solutions with a diverse set of options—platform only, full-scale service, and other hybrid operating models to enable POPs of varying sizes and different cultures to adopt the model that works best for them.

Start-up partner

Our unique and robust APIs stack offers unparalleled ability to transition from conceptualization to operationalization, escape velocity growth, and eventually into stabilization. Our Solution facilitates the fastest go-to-market for the new fintech POPs whilst providing the citadel from where the launch would position the new POPs to be a force to reckon with.

Fintech partners using the Kfin API stack feature are regularly among the top 5 POPs contributing to the NPS subscriber base. We stand tall and proud to have partnered with the growth of these Fintech-POPs who have built a leadership position in a short time. Our clients have experienced a superior growth rate in the industry and will continue to experience breakthrough velocity for a variety of reasons that also include superior investor servicing, software & solutions that drive greater customer acquisition.

Industry-First Features

KFin’s vision is to be the most preferred and proactive solutions provider for traditional and fintech POPs and other intermediaries, providing an agile platform for product innovation, the widest geographical reach, and technology-enabled omnichannel subscriber services. The features we built have given our clients a distinct advantage, enabling significant growth rates that resulted in over 500 bps expansion in market share.

KFin delivered the first NPS API stack, an Agent platform, seamless subscriber onboarding, and extensive CRM features.

NPS CALCULATOR RETURNS CALCULATOR

NPS CALCULATOR

Thinking, how much to invest?

Use the NPS Calculator

Pension Calculator helps a NPS Subscriber calculate the tentative Pension and Lump sum amount that s/he may expect on maturity or on attaining 60 years of age. The said amount is calculated based on regular monthly contributions, percentage of corpus reinvested for purchasing annuity/pension and assumed rates in respect of returns on investment and annuity opted.
For more information you may visit NPS Trust Pension calculator. Click here

Disclaimer

A) All calculations and illustrations are indicative in nature and based on an assumed rate of return. Hence, the figures do not indicate or assure an actual amount/figure.

Contribute Join NPS

You would have accumulated by the time of you retirement for your total investment of over the period of

On retirement you will receive annuity amount of & lumpsum amount of . Your monthly pension post retirement will be of

₹

Total Investment

₹

Market Value

₹

Total Tax Savings

Calculate Again

What is NPS & Benefits of NPS

The National Pension Scheme or NPS is a government-sponsored pension plan open to all Indian citizens. The main aim of the NPS Scheme is to provide social security to all Indian citizens and encourage savings. A unique Permanent Retirement Account Number (PRAN) is allotted to every subscriber in NPA. An individual invests in the NPS at regular intervals throughout their working period. After retirement, a fixed amount of the corpus fund can be withdrawn, and the remaining amount will be paid to them monthly as pension remuneration.

The benefits of the NPS Scheme are:

The NPS scheme is regulated by the Central Government PFRDA or Pension Fund Regulatory and Development Authority.
It is a voluntary scheme designed for the financial security of working-class citizens.
The subscriber has the flexibility to choose or change the investment pattern, fund manager and the Point of Presence (POP).
The National Pension System is a low-cost investment instrument.
NPS account is portable, and the PRAN will remain the same irrespective of the change in location or employment.
NPS account holders can transfer their Superannuation funds to their NPS Account without any tax liability.
There are tax benefits under Section 80 C and 80 CCD for this NPS scheme.

NPS Eligibility Criteria

The general eligibility criteria for joining NPS are as follows:

The applicant must be between 18 and 70 years at the time of application.
The applicant must comply with the NPS norms.
The applicant must not have a pre-existing NPS account.

The specific eligibility criteria for the specific sectors are as follows:

All Citizen Model

Applicants must be between 18 and 70 years of age on the application submission date.
Applicant must comply with all the KYC norms prescribed in the Subscriber Registration Form.

For specific circulars:

Central Government

All Central Government employees who joined after 1-1-2004

Central Government Autonomous Bodies (CABs)

All employees of Central Government Autonomous Bodies who joined after January 1, 2004 (except for armed forces)

State Government

Any individual employed under a particular State Government. To know the states that implement NPS, click here.

State Government Autonomous Bodies (SABs)

Any individual who is employed under a SAB that implements NPS. To know the states that implement NPS, click here.

Corporate Model

To know more about the entities eligible for NPS under the corporate model, click here.

NPS Account Type

Tier I NPS Account - It is mandatory to open a Tier I NPS account if you wish to enroll for NPS. Withdrawal from this account is restricted. You can open a Tier I account with a balance as low as INR 500/- and to keep the account active, you must deposit a minimum of INR 1000 a year.

Tier II NPS Account - This account is optional and can be opened either at the time of Tier I account opening or later. Tier II NPS account needs a minimum balance of INR 1000/- and there is no requirement of a minimum deposit to keep the Tier II account active.

Fees and Charges

Intermediary

Service Charges (in INR excluding Taxes)

Method of Deduction

CRA
(Charge structure applicable from 01.10.2025 )

1. CRA Opening charges: INR 40/-(For physical PRAN Kit)
2. CRA Opening charges: INR 18/- (For ePRAN Kit through email)
3. Charge per transaction: NIL
4. Annual Account Maintenance Charge per Account (AMC)- Government Sector : INR 100/-.
5. ($) For Private Sector (NPS & NPS Vatsalya), Tier I Corpus Slab wise Annual Account Maintenance Charge per Account (AMC)

AUM SLAB

Amt -INR

NIL

1 - 2,00,000

100

2,00,001 - 10,00,000

150

10,00,001 - 25,00,000

300

25,00,001 - 50,00,000

400

Above 50,00,000

500

For the Private Sector :-

(i) a pension scheme resides in an Account and each Account attracts a charge based on slab-wise corpus, as detailed in above Table

(ii) For Subcribers registered under Account Agreegator under "NPS eshramik (Platform Service Partner) Model” will be charged Rs 15/- per Annum.

Through cancellation of units at the end of each quarter

POP
(Charge structure applicable from 01.01.2026 )
for Common Schemes under NPS for Legal Entities ($ other than Government)

(i)First Year of subscribers onboarding for Common Schemes

All Citizen including NPS Vatsalya and NPS Lite

Rs. 200/-* per new account (equivalent of Rs. 50/- on quarterly basis will be deducted through cancellation of units by CRA/s and payable to PoP in the month subsequent to the quarter in which on-boarding is completed)

*Where subscriber onboarding is undertaken through a fully digital and non-face-to-face mode, between the Point of Presence (PoP) and the subscriber, a reduced one-time onboarding charge of Rs. 100/- may be applicable, as may be determined by the Authority at the time of registration of PoP and thereafter.

Through cancellation of units at the end of each quarter

(ii) Annual Charges for the employees/ members under Legal Entities (other than Government)

AND

All Citizen including NPS Vatsalya and NPS Lite

0.20% p.a. of the AUM to be adjusted through NAV and payable to PoP on quarterly basis, in accounts other than Dormant accounts (^) . This shall be applicable to all existing NPS accounts as well.

It may be noted that subscribers onboarded through a POP and making subsequent contributions through e-NPS or D-Remit, shall be liable to pay PoP charges as prescribed

(^) Dormant account is defined as such account where subsequent to a contribution in a quarter, there is no contribution for four consecutive quarters as identified at the end of each quarter.

PoPs having their own employees as NPS subscriber may exercise their choice to recover or not to recover PoP charges as per their internal approved policy

(iii)POP and PFM charges for MSF will be between 0.30% to 0.40% of the AUM and will collected using the NAV reduction method. These charges will not appear on the SOT.

(iv) GST or other taxes as applicable, shall be additional.

(v) Note : No other charges will be levied by the POP

($) Corporates” under NPS are reclassified into: (i) Legal Entities (other than Government), and (ii) Government Entities. For this purpose, a “Government Entity” shall include statutory body or a Government Company or any Body Corporate or any other entity under the ownership and control of either Central or any State Government (including Central Public Sector Enterprises (CPSEs) and State Public Sector Enterprises (SPSEs).

Adjustment in NAV of Scheme

Pension Fund effective from 1st April 2026

AUM Slabs (₹ Crore)

Investment Management Fee(IMF)-
Non-Government Sector Subscribers (NGS)

Upto 25,000 Cr.

0.12%

Above 25,000 Cr to 50,000 Cr.

0.08%

Above 50,000 Cr to 1,50,000 Cr.

0.06%

Above 1,50,000 Cr.

0.04%

AUM Slabs (₹ Crore)

Investment Management Fee(IMF)
Government Sector Subscribers (GS)

Upto 10,000 Cr.

0.09%*

10,001 - 50,000 Cr.

0.06%

50.001 - 1,50,000 Cr.

0.05%

Above 1,50,000 Cr.

0.03%

Government sector subscribers who have opted for individual investment choices, namely Auto Choice or Active Choice (with 100% allocation to Government securities), shall be charged the same IMF as applicable to those Subscribers who are under composite scheme

Annual Fee payable by Pension Funds to the Authority shall continue to pay an annual fee of 0.015% p.a. of the AUM or ₹10,00,000 per annum, whichever is higher, plus applicable taxes and levies.

The Annual fee is payable quarterly @0.00375% of the AUM, based on the AUM as on the last day of the preceding quarter or Rs. 2,50,000/-, whichever is higher.

Adjustment in NAV of Scheme

Custodian

Asset Servicing charges: 0.0032% p.a for Electronic segment & Physical segment

Adjustment in NAV of Scheme

NPS Trust

Reimbursement of Expenses: 0.003% p.a (effective 13th November 2023)

Adjustment in NAV of Scheme

NPS Calculator and Application, Payment & Withdrawal Process

To apply for the online NPS scheme, you need to log in to internet banking and choose NPS in the ‘Service Requests’ section. Once your details are verified and authenticated with an Aadhaar card, an SR is generated, and the NPS account is activated. Then, the PRAN is sent to your mobile number.

You need to log in to internet banking to contribute to the NPS account. Once confirmed, you will receive an SMS and email alert. The withdrawal process from an NPS account can also be done online. The amount can be withdrawn:

When the applicant becomes 60 years old.
At any time before the applicant attains 60.
After the death of the subscriber.

An NPS calculator is a tool that an individual can use to estimate the amount of pension and the total lump sum amount they will be receiving after retirement at 60 years of age. This calculator helps the investors to plan their post-retirement finances.

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Testimonials

"Being a technology driven organization with a wide spread in the field, we needed an online solution for NPS that is robust as well as scalable. KFin Technologies Private Limited (KFintech) in the capacity of a CRA supported us with a customized solution which complemented our efforts resulting in generation of our targeted PRANs. The operational support provided by dedicated team members, almost round the clock during special campaigns, also deserves a special appreciation. Together with KFintech, we look forward to promote NPS across the country."

CSC E- GOVERNANCE SERVICE INDIA LIMITED

"With our prior experience in supporting POPs in promoting NPS, we realized that we needed an online platform to maximize the efforts taken at the ground level. The online solution provided by KFintech helped us to achieve this. The best part of the solution was that, it allowed us to activate multiple channels like App based channel, assisted sales channel etc. In addition to this, the operational support and down to earth attitude of the entire KCRA team including the seniors made them readily approachable for quick action. We look forward to be the number one POP by partnering with KFintech as a CRA."

HDFC PENSION MANAGEMENT COMPANY LIMITED

"We would like to thank KCRA for partnering with us in our endeavor to offer a completely online solution for National Pension System, directly from HDFC Bank website where PRAN is allotted to subscribers in real-time for Bank's large base of customers. We would also like to acknowledge that KCRA is as much agile as reliable. KCRA was able to implement PAN-based registration in less than 48 hours. It is also important to note that even during the lock-down, the services of KCRA remain unaffected."

HDFC BANK LTD

"NPS provides the world's lowest cost retirement saving for an average Indian. At ETMONEY, we wanted to bring this benefit to millions of Indians on their mobile. In KFin Technologies Private Limited (KFintech) we found an able partner who helped us build a seamless digital NPS solution. KFintech had a stable API-based solution ready for us and we found them very flexible to build customizations as per our needs. With constant technical and operational support from KFintech, we went operational in a reasonably short period of time. We intend to continue our partnership with KFintech to keep promoting NPS and create value for our customers."

Shivamogga subscribers

For Gorakhpur Subscribers

For Prakasam Subscribers

For Ajmer Subscribers

For Nadia Subscribers

For Udham Singh Nagar Subscribers

For Jalgaon Subscribers

For Pratapgarh Subscribers

For Saran Subscribers

For Anand Subscribers

For Chandigarh Subscribers

For Puri Subscribers

Mutual Fund Solutions

Global Business Solutions

Corporate Registry

Private Wealth Management

National Pension System

Alternatives

Global Fund Solutions

Why KFintech?

Software and Solutions

XAAS

Start-up partner

Industry-First Features

NPS KFintech - Our Solutions

Subscriber

POP

Corporate

Govt bodies

Quick Links

Thinking, how much to invest?

Use the NPS Calculator

Open NPS Account Online

What is NPS & Benefits of NPS

NPS Eligibility Criteria

All Citizen Model

Central Government

Central Government Autonomous Bodies (CABs)

State Government

State Government Autonomous Bodies (SABs)

Corporate Model

NPS Account Type

Fees and Charges

NPS Calculator and Application, Payment & Withdrawal Process

Check Latest NPS NAV

In the chart

Download Our App Now!

Track Your Retirement Benefits With Just One Click

More ways to get the App

Testimonials

CSC E- GOVERNANCE SERVICE INDIA LIMITED

HDFC PENSION MANAGEMENT COMPANY LIMITED

HDFC BANK LTD

ET MONEY