Permanent Retirement Account Number – PRAN Number

The Permanent Retirement Account Number is a crucial component of India’s National Pension System (NPS). As a unique identifier for NPS subscribers, it facilitates easy management and tracking of individual retirement funds. By registering, individuals can access a comprehensive pension scheme that ensures financial security in their golden years. Let’s explore the significance of PRAN number registration and its benefits in detail.

What is the PRAN Number?

The PRAN number plays a vital role in the National Pension System (NPS) by acting as a unique identification number for individuals enrolled in the scheme. It is a key tool in facilitating the efficient management and operation of NPS accounts.

The PRAN number registration process assigns each subscriber a distinct number, which serves as their lifelong identification number within the NPS. This number allows individuals to access and manage their retirement funds seamlessly. With this number, subscribers can contribute to their pension accounts, monitor their investments, and track the growth of their retirement savings.

It provides a convenient means for individuals to stay connected with their pension accounts and ensures a streamlined approach to managing their future financial security. By obtaining a PRAN no. through registration, individuals can harness the benefits of the NPS and embark on a path towards a stable and worry-free retirement.

What is a PRAN Card?

The PRAN Card is a physical document issued to NPS subscribers. It serves as proof of identity and a convenient means for subscribers to access their NPS accounts. The card features various security elements to ensure the confidentiality and integrity of the information it holds.

These security elements may include holograms, watermarks, and embedded chips to prevent tampering and counterfeiting. The card may also display the subscriber’s photograph and signature, further enhancing its authenticity.

Why Do You Need a PRAN Card?

Having a PRAN Card is essential for NPS subscribers as it offers numerous benefits that streamline the management of their NPS accounts and ensure secure transactions. Here are some specific reasons why you need it:

  • Access to NPS Account: It can conveniently access and manage your NPS account. It lets you easily check your account balance, make contributions, and monitor your investments.

  • Secure Transactions: With this card, you can carry out secure transactions related to your NPS account. It provides authentication and verification measures to protect your financial information and prevent unauthorised access.

  • Portability and Convenience: It is a portable document you can carry anywhere. This ensures that you can manage your NPS account and perform transactions at your convenience without additional paperwork.

  • Proof of Identity: It is a proof of identity for NPS subscribers. It contains personal details, such as your photograph and signature, which adds an extra layer of authenticity and verification.

  • Easy Tracking of Retirement Funds: With this card, you can easily keep track of your retirement funds and monitor the growth of your investments. It provides a comprehensive overview of your NPS account, empowering you to make informed decisions for your financial future.

  • How to Apply for a PRAN Online?

    To apply for a PRAN online, follow these step-by-step instructions for a seamless process:

    1. Registration: Visit the NSDL portal or the e-NPS website and click the “Registration” option. Fill in the required details, such as your personal information, contact details, and PAN number. Create a user ID and password for future access.

    2. PRAN Application Form: Once registered, log in to your account and select the option for application. Fill in the application form with accurate details, including your employment category, bank account information, and nominee details. Review the form for any errors before submission

    3. Submission of Documents: TUpload the necessary documents, such as identity proof, address proof, PAN card copy, and photographs per the specified guidelines. Ensure that all documents are clear and readable.

    4. Payment: Proceed with the payment process for the application fee. You can choose from various payment options, such as net banking or credit/debit card.

    5. Acknowledgement and Tracking: After successful payment, you will receive an acknowledgement receipt with a unique application number. Keep this number handy for future reference and tracking the status of your application.

    How to Apply for a PRAN Card Offline?

    If you prefer to apply offline, you can do so by following these simple steps:

    1. Visit a Point of Presence (PoP): Locate a nearby PoP to apply for a PRAN card offline. These PoPs are authorised entities that facilitate registrations. You can find a list of PoPs on the official website of the National Pension System (NPS).

    2. Obtain the Application Form: At the PoP, request the application form. The form will require you to provide personal details such as your name, date of birth, address, and contact information. Make sure to fill in the form accurately and legibly.

    3. Submit Required Documents: Along with the completed application form, you must submit certain documents as proof of identity, proof of address, and a recent passport-sized photograph. Ensure that you carry the original documents along with photocopies for verification purposes.

    4. Verification and Payment: After submitting the application form and documents, the PoP will verify the information provided. Once verified, you will be required to pay the applicable fees. The fee amount may vary, so checking with the PoP beforehand is advisable.

    5. Acknowledgement Slip: Upon successful submission of the application and payment, you will receive an acknowledgement slip.

    Documents Required for PRAN Card Application

    To apply, you will need to provide the following documents:

    • Proof of Identity: Submit a self-attested copy of any of the following documents – PAN card, Aadhaar card, voter ID card, passport, or driving license.

    • Proof of Address: Provide a self-attested copy of any of the following documents – Aadhaar card, voter ID card, passport, driving license, utility bill (not more than 3 months old), or bank passbook/statement.

    • Date of Birth Proof: Submit a self-attested copy of your birth certificate, SSLC/SSC/HSC certificate, or passport.

    • Recent Passport-Sized Photograph: Attach a recent passport-sized photograph, preferably on a white background.

    NRI PRAN Card Application Process

    For non-resident Indians (NRIs) applying for a PRAN card, the process is similar to that of residents but with a few specific requirements. Along with the documents mentioned earlier, NRIs should also provide a copy of their Overseas Citizenship of India (OCI) card or Person of Indian Origin (PIO) card as proof of their NRI status.

    Recommended Read: NRI Investment in Mutual Funds

    Additionally, NRIs must submit an attested passport copy as identification proof. It is recommended to have the original documents for verification purposes. Once all the necessary documents are gathered, NRIs can proceed with the PRAN number registration by submitting their application and fees.

    Steps to Login to PRAN Portal for NPS

    To log into the portal and access their NPS accounts online, subscribers must follow simple steps.

    1. Visit the official website of the PRAN portal.

    2. Click on the “Login” button located on the homepage.

    3. Enter your permanent retirement account number and password in the respective fields.

    4. Click on the “Submit” button to proceed.

    Once logged in, you can conveniently manage your NPS account, view your transaction history, and access other relevant information.

    How to Track the Status of Your PRAN Card Dispatch?

    You can use two methods to track the status of your PRAN Card dispatch. Firstly, you can visit the NSDL portal and navigate to the “Track Dispatch Status” section. Provide your PRAN no. and other required details to check the current status of your card. Alternatively, you can contact your Point of Presence (PoP) provider and inquire about the dispatch status. They will assist you with the necessary information.

    How to Activate your PRAN Card?

    The process is straightforward regarding activating your newly received PRAN Card. Once you receive your card, visit the official portal and click the “Activation” option. Set up a password for your account and link it to your NPS account by following the instructions. This will ensure that your card is successfully activated and ready to be used to manage your NPS account effectively.


    The PRAN number manages or tracks an individual’s pension contributions and benefits. By understanding the importance and purpose of this number, individuals can ensure a smooth and secure retirement planning process. It is recommended to keep your PRAN number safe and easily accessible for future pension-related transactions or queries.


    Can NRIs apply for a PRAN?

    Yes, NRIs can apply for a PRAN by fulfilling specific criteria and submitting the necessary documents, similar to resident Indians.

    How do I print my PRAN card?

    Subscribers can print their card by logging into their NPS account online and accessing the card’s digital version for printing.

    Is a PRAN card mandatory?

    Yes, it is mandatory for all NPS subscribers as it is the primary identifier and access tool for their pension accounts.

    Can I have more than one PRAN?

    No, individuals can have only one permanent retirement account number, unique to them and used across all their NPS accounts.

    Are all the forms relating to the Permanent Retirement Account Number available in one place?

    Yes, all forms can be found on the official NSDL website or the e-NPS portal, offering easy access for subscribers.