A subscriber is required to open a Tier 1 account with the Central Recordkeeping Agency (CRA). Each account is identified by a unique Permanent Retirement Account Number (PRAN). It is now possible to open this account online using the e-NPS system by accessing the following link: https://enps.nsdl.com Who can open a NPS account? Both Resident and Non-Residents can open NPS account. NRIs need to give their Passport number along with PAN or Aadhar. Age limit: 18 to 60 years. Steps for opening the Tier I account: Step 1.  two ways to start with

• With AADHAAR card , OR
• With PAN card.

With Aadhaar Card Aadhaar is better for opening an NPS account online as it is treated as an address proof also. On accessing the above link, one needs to enter one’s Aadhaar number. Once the Aadhaar number is submitted, an OTP is sent to the mobile number registered in the Aadhaar database. Demographic details of the applicant including photograph are updated from the details registered in the Aadhaar database. With Aadhar card you can make payment through any bank. With Pan card Have a PAN Card, mobile number, email ID and an active bank account with Net banking facility. Your KYC verification will be done by the Bank. A onetime fee of up to a maximum of Rs. 125 (plus applicable taxes) will be debited from your Bank account by the Bank as KYC authentication charges. Step 2. Fill up all the mandatory details online -Personal Details, Contact Details, Bank and Other Details, Nomination Details Step 3. Upload photo and signature Scan and upload your photograph and signature in jpg or jpeg format with file size 4 to 12 KB. In case of Aadhaar card, uploading photograph is not mandatory. Step 4. Online Payment Make online payment (Minimum amount of Rs 500/-) towards your NPS account from Debit / Credit card or Internet Banking. Step 5. Send Application to CRA Print the form, paste photograph & affix signature and submit the Form to CRA on following address within 180 days from the date of allotment of PRAN. Please do not sign across the photograph Central Recordkeeping Agency address (eNPS) NSDL e-Governance Infrastructure Limited, 1st Floor, Times Tower, Kamala Mills Compound, Senapati Bapat Marg, Lower Parel, Mumbai – 400 013. Step 6. Receive Welcome kit Receipt of the PRAN Kit containing a PRAN Card, IPIN/TPIN, Subscriber Master Report, Scheme Information Booklet along with a Welcome Letter will be sent to your registered address. Contribution: Once account is opened, you can contribute toward your NPS account through online by following steps:- To contribute online, you need to Visit above link and go to contribution Authenticate your PRAN using the OTP sent to your registered mobile number Pay through your Debit / Credit card or use Internet Banking option. Verification To check your  details you can visit the website cra-nsdl.com/CRA and enter your I-PIN and password under nodal offices. For queries you may contact: 022 – 4090 4242 or mail to: eNPS@nsdl.co.in Steps for opening the Tier II account:

1. Go to https://enps.nsdl.com
2. Click to Tier II activation.
3. Enter your PRAN, Date of Birth & PAN and submit.
4. Fill up the details (Bank details, Scheme details etc.)
5. Print the completed registration form and send to Central Recordkeeping Agency address (eNPS) as above.

It may take around 7 days to activate the account.