Have these ready before you start
- Your PRAN (12 digits — on your NPS card or in the welcome email)
- PRAN portal password (use "Forgot Password" if you've never logged in — it emails a reset link)
- Knowledge of which CRA holds your account: Protean (formerly NSDL) or KFin Technologies
Step by step
- 1
Identify your CRA
NPS is administered by two CRAs (Central Recordkeeping Agencies): Protean (formerly NSDL) and KFin Technologies. Check your existing NPS welcome email or PRAN card to know which CRA holds your account.
- 2
Log in to your CRA portal
Protean: www.cra-nsdl.com → 'Login with PRAN'. KFin: kcra.kfintech.com → 'Subscriber Login'. Use your PRAN as the user ID.
- 3
Open Transaction Statement
Navigate to 'Views → Statement of Transaction' (Protean) or 'View → Transaction Statement' (KFin). Choose 'Tier 1 + Tier 2' to get both tiers in one PDF.
- 4
Pick the date range
Use 'Since Inception' if you've been contributing for a few years — that's the most useful for Sajag's projection. Otherwise, last financial year is fine.
- 5
Download and upload
Click 'Download PDF'. Save and upload to Sajag's NPS slot during onboarding. The parser reads scheme NAV + contribution + corpus.
Prefer a video walkthrough?
Portal UIs change often, so we link a curated YouTube search instead of one specific video. Pick whichever recent tutorial you like — they all show the same flow.
Watch on YouTubeIf the PDF asks for a password
Usually your DOB in DDMMYYYY. Some PRAN accounts use the first four letters of name + DOB. Sajag parser auto-tries both.
Sajag’s parser also tries common derivations automatically (PAN, DOB combinations, last-4 of mobile, bank-specific schemes). You usually won’t need to type the password during upload.
Common gotchas
If you've forgotten your PRAN login password, use 'Forgot Password' on the CRA portal — it emails a reset to the registered email.
Tier 2 accounts (voluntary, withdrawable anytime) and Tier 1 (locked-in retirement) appear together in the statement — Sajag treats them differently in the FIRE projection.
NPS NAV updates daily; the statement always shows the latest values. No need to re-download more often than monthly.
Portals you’ll use
Other download guides