NPS Nomination Change — Online Update Central Recordkeeping Guide 2026

NPS Nomination Kyun Important Hai?

National Pension System (NPS) mein aapka accumulated corpus decades mein build hota hai. Agar kuch unfortunate ho jaaye — nomination sahi nahi hai toh aapke family ko paisa milne mein bahut delay aur legal hassle ho sakta hai. NPS nomination update karna EPF se bhi zyada critical hai — kyunki NPS mein typically zyada amount hota hai retirement tak.

Bahut log NPS account khulwate waqt nomination fill karte hain aur bhool jaate hain. Shadi, baccha, ya family mein koi change ho — nomination update karna zaroor chahiye.

Central Recordkeeping Agency (CRA) Kya Hota Hai?

NPS ka data do CRA (Central Recordkeeping Agencies) maintain karte hain — NSDL aur KFintech (pehle KARVY). Aapka PRAN kisne issue kiya — usi CRA ka portal use karna hoga:

• NSDL CRA: cra-nsdl.com
• KFintech CRA: crakfintech.com

Apna PRAN card dekho ya welcome kit mein CRA name hoga. Dono portal ka interface similar hai.

Online Nomination Update — Step-by-Step

1. CRA portal login karo — PRAN aur password se. Agar password bhul gaye — "Forgot Password" se reset karo
2. Dashboard mein jaao → "Subscriber Details" ya "Update Details" section
3. "Nomination" ya "Nominee Details" click karo
4. Existing nominee details dikhenge — "Modify" ya "Add Nominee" click karo
5. Nominee details fill karo: Full name, date of birth, relationship (Spouse/Son/Daughter/Mother/Father/Sibling/Other), address
6. Percentage assign karo — agar multiple nominees hain toh total 100% hona chahiye
7. Submit karo → OTP verification (registered mobile)
8. e-Sign karo — Aadhaar OTP-based digital signature. Ya print karo aur physically submit karo (offline option)

e-Sign se nomination immediately update ho jaata hai. Physical form se 7-10 working days lag sakte hain.

Multiple Nominees — Percentage Kaise Divide Karein?

NPS mein maximum 3 nominees allowed hain. Har ek ko alag percentage assign kar sakte hain:

• Wife 50%, Son 30%, Daughter 20% — valid
• Wife 100% — simple option
• Wife 60%, Parents 40% — also valid (NPS mein EPF jaisi family restriction nahi hai)

Agar nominee minor (18 se kam) hai toh ek guardian bhi nominate karna hoga — jo minor ke mature hone tak NPS amount handle karega.

Kya Nomination Change Free Hai?

Haan — NPS nomination change completely free hai. Koi charge nahi. Aap jitni baar chahein update kar sakte hain online portal par.

Nomination vs Legal Heir — Difference

NPS nomination ek trustee arrangement hai — nominee ko amount milta hai, lekin woh legal heir ke liye trustee hote hain. Agar nominee aur legal heirs alag hain (e.g., nominee sibling hai lekin spouse bhi hai) — toh legal heir dispute kar sakta hai court mein.

Best practice: Nominee ko hi apna primary legal heir banao. Spouse ko nominee banao (agar married) — dispute avoid hogi.