In the absence of an Aadhaar-based registration process, KYC verification is done through the bank account linked to your PAN.

1. Keep these documents scanned and ready
2. Online registration

• Visit any of the three available eNPS Trust websites—NSDL, Karvy and HDFC Securities—and click on registration
• Select ‘individual’ subscriber in applicant type
• For account type, Tier I is mandatory whereas Tier II is optional and can be opened later. Opt for Tier 2 if you want to invest for other goals

3. KYC verification

• Select the bank where you have a savings account with Netbanking facility. The first payment is to be made only through Netbanking
• Name and address you provide should match with the bank records for successful verification

4. Pension fund

• Choose any of the eight available pension funds.
• Fund manager can be changed once every year

5. Investment options

• Under ‘Auto’ option, choose between ‘aggressive’, ‘moderate’, and ‘conservative’ according to your risk profile
• In ‘Active’ choice, decide asset mix from among four available options: equity (up to 70%), corporate bond, government securities and alternate investment (up to 5%)

6. Make contribution

• Minimum Rs 500 for Tier I and Rs 1,000 for Tier II
• Subsequent contributions can be made through debit and credit cards
• After the payment is approved, you will be allotted PRAN

7. Download the form

• Print the completed application form and courier it to the CRA within 90 days

*Aadhaar based registration has been disabled since January 2019 until further notice.