How to Change Nominee in NPS

Changing the nominee in your NPS account is simple and useful — it helps ensure your savings go to the right person after you’re gone.

Why you might want to change nominee: maybe you got married, had a child, or just want to update who gets your pension — better to do it sooner than regret later.

Quick Steps (online)

• Log in to the official CRA portal using your PRAN and password or i-PIN.  
   
• Go to “Demographic Changes” → “Update Personal Details” → “Add/Update Nominee Details”.  
   
• Fill in the nominee’s name, relation, date of birth, their share percentage (if you add >1 nominee). For minor nominee, add guardian details.  
   
• Submit the form, enter OTP sent to your registered mobile, and complete e-sign or accept changes. 
   
• You’ll get confirmation by SMS or email once change is successful.  

(Offline route: download Form S2, fill and submit through your PoP. Use if online fails.)  

Example: Changing nominee after marriage

Suppose you opened NPS earlier and named only your parents as nominees — but now you’re married and want your spouse and future child included. You log in, choose “Update Nominee”, add your spouse with 70% share and new baby (as minor) with 30%. Submit OTP + e-sign. Soon you get SMS confirmation. That way, after you’re gone, your spouse and child get the pension corpus.

What to watch out for

• Max 3 nominees allowed; total share must add to 100% across them.  
   
• If you pick a minor nominee, specify a legal guardian.  
   
• Some portals or PoPs may charge a small fee (e.g. around ₹20 + GST) when updating after initial setup.