JUST IN: OTP-Based Paperless NPS Account Opening Approved
NPS Update: OTP Authentication Launched for Paperless On-Boarding
- Status: Confirmed
- Source: PFRDA (Pension Fund Regulatory and Development Authority)
- Effective Date: January 2026
- Impact: NPS account can now be opened fully paperless using OTP
OTP-Based Paperless On-Boarding for NPS
The Pension Fund Regulatory and Development Authority (PFRDA) has issued a circular allowing OTP-based authentication for paperless on-boarding to National Pension System (NPS) accounts. This removes the need for physical forms and manual verification.
✅ Official Order Issued
Circular Issued By: PFRDA
Date: January 2026
Subject: OTP based authentication for paperless on-boarding to National Pension System (NPS)
Who Is Covered?
- Yes: Central Government employees under NPS
- Yes: State Government employees under NPS
- Yes: New subscribers joining NPS
- No: OPS subscribers
The Rules (Simplified)
Under the new system, NPS account opening and on-boarding will be done using OTP verification linked with Aadhaar and mobile number. No physical form, no manual signature, and no paper submission is required.
| Process | Old Rule | New Rule |
|---|---|---|
| NPS On-Boarding | Physical forms & signatures | OTP-based paperless process |
Note: OTP must be received on Aadhaar-linked mobile number.
What You Should Do Now
- Ensure your Aadhaar is linked with an active mobile number
- Use official NPS portals only for account opening
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FAQs
Is physical form still required for NPS?
No. With OTP authentication, physical forms are no longer needed.
Is Aadhaar mandatory for OTP-based NPS on-boarding?
Yes. OTP will be sent to the Aadhaar-linked mobile number.