Facing trouble logging into your NPS account? It’s most likely frozen. Here’s how you can unfreeze it.
The National Pension Scheme or NPS is a wonderful investment plan for your retirement. This government-backed pension scheme is also a great way for both salaried and self-employed individuals to claim tax deductions under Section 80CCD. You can open an NPS account online too.
Additional Reading: NPS Contribution Post Budget 2018: What’s New?
Did your NPS account freeze?
Your NPS account can become inactive or freeze if you do not invest a minimum of Rs. 1,000 during a financial year. To keep your account active, you need to maintain the minimum required balance for the financial year. If you don’t, then you will be informed via email by the National Securities Depositary Limited (NSDL) about your account being frozen.
Previously, the minimum annual contribution for a Tier-1 account was Rs. 6,000. But, this has been reduced to Rs. 1,000 now.
Additional Reading: Is Investing In NPS Worth It?
How to unfreeze your NPS Account
To unfreeze your NPS account, all you need to do is make a minimum contribution of Rs. 500 during the fiscal year. You can make this contribution in two ways, either offline through any POP-SP (Point-of-presence service provider) or online via eNPS.
Unfreezing your NPS account through POP-SP (offline)
To do this, you will have to visit the office of a point-of-presence service provider (POP-SP) as they are your first authorized point of contact as a subscriber to NPS. These branches usually handle all requests pertaining to your NPS account, including withdrawals. To find the location of your nearest POP-SP, you can visit the NSDL website.
Next, in order to reactivate your account, you will have to make a contribution of the minimum sum through the POP-SP. To do that, you need to fill out an NCIS (NPS Contribution Instruction Slip) which contains details of payment such as your PRAN (Permanent Retirement Account Number) etc. You can download the form from the NSDL website.
You can also make your contribution through cheque or DD, which should be drawn in the favour of “POP (Name of the POP) Collection Account – NPS Trust” and crossed account payee. This will be deposited in your account against your PRAN mentioned in the NCIS.
Additional Reading: What Is A PRAN Card And How To Apply For It
Unfreezing your NPS account via eNPS (online)
This is by far the simplest way to unfreeze your NPS account. All you need to do is go online to the eNPS (National Pension System Trust) portal and make your mandatory contribution of Rs. 500 by clicking on the “Contribution” button on the website.
Once your fill in your details like your PRAN and date of birth, you will be taken to the next page to make a contribution. Once the minimum contribution is made, you can then make other contributions to your NPS account.
Additional Reading: Opening An NPS Account Online
Does the concept of investing in NPS seem too tedious to you? Well, don’t get disheartened! There are a bunch of other investments that don’t have exhausting processes. How about Mutual Funds for starters?
Unfreezing of account by making contribution online has been revoked. Now the customer can’t make a contribution if account is frozen.
Hi Nayan,
Thanks for writing in. Also, you’re completely right. Thank you for the information. Please keep reading our blogs for more such insight into the world of personal finance.
Cheers,
Team BankBazaar
I am also facing the same can anyone help me out on the same
Hi Chandru,
Thank for stopping by. We’d be more than happy to help you out if you could elaborate on the nature of your problem.
Cheers,
Team BankBazaar
I PRAN is frozen because I didn’t submit KYC form with in 90 days.
How can I reactivate my PRAN in this situation? Thease people are not even taking a phone call.
Hi Shiv,
Thanks for stopping by. We’re here to help you unfreeze your ‘temporarily frozen’ PRAN account. Follow these simple steps to sort your problem.
Step 1: You will need to fill up the Form UOS-S10-A. This can be downloaded from: https://www.npscra.nsdl.co.in/download/nongovernment-sector/all-citizens-of-india/forms/Form-UOS-S10A-Applicationfor-unfreezing-of-PRAN-under-National-Pension-System_NPS-AM.pdf
Step 2: Once the application is duly filled, it must be submitted to the concerned POP–SP. Also, remember to provide a copy of the PRAN card along with the application.
Step 3: A penalty of Rs 100 per year will be levied for the duration that the account, whether Tier I or Tier II, remains frozen. For subscribers of the Swavalamban Scheme, the penalty charged is Rs 25 per year.
The payment to unfreeze the NPS account can be made through cash, cheque, or Demand Draft. For a Tier 1 account, you have to pay (Rs 6,000 – the amount already contributed in the financial year) for each year + Rs 500 for the current financial year + penalty of Rs 100 for each year that the account is frozen.
For Tier 2, you have to pay the difference between the amount in the account on the date of freezing and Rs 2,000 + Rs 250 (minimum contribution) + Rs 100 as penalty.
Hope this helps!!
Cheers,
Team BankBazaar
I don’t find the above useful. In my case the message is ” your nps account is frozen due to insufficient contribution into the account” .But, it is pertinent to mention here that, I have contributed the amount and the same is reflected in the statement for the fy ending March, 2019.
Then, what is the proble.,
Hi Nakul,
Thanks for stopping by. We’re sorry to hear of your predicament. An NPS account becomes inactive or frozen if the account holder does not invest a minimum of Rs. 1,000 during a financial year.
Follow these simple steps to unfreeze your Permanent Retirement Account Number (PRAN) account.
Step 1: You will need to fill up the Form UOS-S10-A. This can be downloaded from: https://www.npscra.nsdl.co.in/download/nongovernment-sector/all-citizens-of-india/forms/Form-UOS-S10A-Applicationfor-unfreezing-of-PRAN-under-National-Pension-System_NPS-AM.pdf
Step 2: Once the application is duly filled, it must be submitted to the concerned POP–SP. Also, remember to provide a copy of the PRAN card along with the application.
Step 3: A penalty of Rs 100 per year will be levied for the duration that the account, whether Tier I or Tier II, remains frozen. For subscribers of the Swavalamban Scheme, the penalty charged is Rs 25 per year.
The payment to unfreeze the NPS account can be made through cash, cheque, or Demand Draft. For a Tier 1 account, you have to pay (Rs 6,000 – the amount already contributed in the financial year) for each year + Rs 500 for the current financial year + penalty of Rs 100 for each year that the account is frozen.
For Tier 2, you have to pay the difference between the amount in the account on the date of freezing and Rs 2,000 + Rs 250 (minimum contribution) + Rs 100 as penalty.
For further queries, we suggest you visit any of the Points of Presence (POPs) appointed by the Pension Fund Regulatory and Development Authority (PFRDA).
Hope this helps!!
Cheers,
Team BankBazaar
my pran is not show in database , plz help
Hi Ashish,
If your NPS account has been idle for long, it is possible that your PRAN may not appear in the database. Please reactivate your account and then check again.
Cheers,
Team BankBazaar
How a government employee can unfreeze his nps account which got freeze due to not contributing a necessary amout in a fiscal year
Hi Harsh,
The process of unfreezing your account will be the same even for govt. employees- you’ll need to make a minimum contribution of Rs. 500 during the fiscal year. You can make this contribution in two ways, either offline through any POP-SP (Point-of-presence service provider) or online via eNPS.
Cheers,
Team BankBazaar
hi
my account is frozen n m not able unfreeze it kindly help have done all above said
Hi Karan,
To unfeeze your NPS account, you’ll need to make a minimum contribution of Rs. 500 during the fiscal year. You can make this contribution in two ways, either offline through any POP-SP (Point-of-presence service provider) or online via eNPS. Hope this helps.
Cheers,
Team BankBazaar
My Pran Account is freezed it was opened in feb 2020 but it got freezed in May in such as short time..
I tried making it active through the link provided but of no use.
Hi Niranjan,
Sorry we can’t help you with this. Please get in touch with NSDL regarding this.
Cheers,
Team BankBazaar
Hi
I have recently registered my account, but when i was trying to generate password(I-Pin) . The site says ‘PRAN details not available in database’ and i have also given my mail id wrong.
Hi Sharath,
Please check if your PRAN account is still active or frozen. This could happen if your account has been inactive for some time.
Cheers,
Team BankBazaar
HOW TO UNBLOCK MY NPS ACCOUNT ?
Hi Bhargavi,
All you need to do is go online to the eNPS (National Pension System Trust) portal and make your mandatory contribution of Rs. 500 by clicking on the “Contribution” button on the website. Once your fill in your details like your PRAN and date of birth, you will be taken to the next page to make a contribution. Once the minimum contribution is made, you can then make other contributions to your NPS account. Hope this helps.
Cheers,
Team BankBazaar