How to Get a PRAN Number? A Simple Guide

If you want to join the National Pension System (NPS), the first thing you need is a PRAN number. PRAN stands for Permanent Retirement Account Number. It’s a unique 12-digit number that stays with you for life, even if you change cities, jobs, or sectors. Many articles explain what PRAN is, but they often skip the most important part — how to actually get it. Here’s the process explained in the simplest way.

What Is a PRAN Number?

A PRAN is your identity in the NPS system. It helps track your pension contributions, returns, statements, and withdrawals. Without a PRAN, you cannot contribute or access benefits under NPS.

How to Get a PRAN Number Online?

The online method is fast, smooth, and preferred by most users.

• Go to the official NPS portal (CRA-NSDL site).
• Choose “Registration” under the subscriber section.
• Select the type of subscriber — Individual or Corporate.
• Enter basic details like mobile number, email, PAN, and date of birth.
• Choose between Aadhaar-based registration or PAN-based registration.
• Verify details using OTP sent to your mobile and email.
• Fill in your personal, bank, and nominee details.
• Upload documents if required (photo, signature, ID proof).
• Make the initial contribution (minimum ₹500).
• Submit the form.

Once completed, you receive your PRAN number digitally. You also get login credentials to access your NPS account.

How to Get a PRAN Number Offline?

Prefer a physical process? You can register through a Point of Presence (POP) such as banks and financial institutions.

• Collect an NPS Subscriber Registration Form (Form S1).
• Fill in your personal, bank, and nominee details.
• Attach photocopies of ID proof, address proof, and a passport-size photo.
• Make the initial contribution.
• Submit the form to the POP.

Your PRAN card is sent to your address after verification.