A Step-by-Step Guide to Managing Your KFINTECH NPS Scheme Allocation Changes

Managing your National Pension System (NPS) account doesn’t have to be complicated. Whether you are accessing your dashboard for the first time or want to rebalance your investment portfolio, the KFINTECH CRA portal gives you complete control over your retirement funds.

This step-by-step guide walks you through logging into your account and updating your NPS scheme allocations smoothly.

Part 1: How to Log In to Your KFINTECH Portal

Before updating your investment preferences, you must sign in securely. Follow these steps to access your KFINTECH NPS account:

Step 1: Access the KFINTECH CRA Portal

Visit the official KFINTECH CRA website to begin. Navigate directly to the login page from here to start the process 👇🏻.

KFintech login

Step 2: Initialize Password Setup (New Users)

If you are logging in for the first time or need to generate new credentials, click the Generate/Reset Password link on the login screen.

Step 3: Provide Your Authentication Details

On the verification page, enter your Permanent Retirement Account Number (PRAN) and registered Date of Birth into the designated fields. Ensure these details match your records exactly.

Step 4: Establish a Secure Password

After your details are verified, create a new password. Enter your preferred password, confirm it in the next field, and click Reset to save your credentials.

Step 5: Sign In to Your NPS Dashboard

Return to the main login page and access your account using one of two methods:

1. Log in using PRAN: Enter your PRAN and new password, then click Login.

2. Log in using PAN: Enter your PAN and Date of Birth, then click Login.

Part 2: How to Change Your NPS Scheme Allocation

Once logged in, you can update your pension fund manager and adjust your asset distribution across equity, corporate bonds, and government securities or change your investment format.

Step 1: Navigate to Scheme Allocation

From your main NPS dashboard, locate the left-hand navigation menu and select Scheme Allocation.

How to Change Asset Allocation (Common Scheme)

If your existing investments are held within the common scheme, you can switch your Pension Fund Manager once per financial year and modify your asset allocation up to 4 times per financial year.

Step 2: Access the Scheme Preference Change Tab

From the top navigation bar inside the menu, select the Scheme Preference Change tab.

Step 3: Update Asset Allocation and Confirm

Adjust your pension fund manager or asset percentages. Click Generate OTP to receive a verification code on your registered mobile number.

Enter the OTP and click Submit to confirm your changes.

How to Change Investment Allocation (Multi Scheme Framework - MSF)

If you invest under the new Multi Scheme Framework (MSF), you can change your fund manager for all future contributions, split investments between schemes, or allocate funds across multiple new scheme options.

Step 4: Access Default Contribution Allocation

From the top menu bar, click on the Default Contribution Allocation tab.

Step 5: Update Future Contributions and Confirm

Select your preferred fund options and allocation percentages. Click Generate OTP to receive a security code via SMS. Enter the OTP and click Submit. All future NPS contributions will automatically follow this new allocation format.

Conclusion

Taking control of your retirement planning is a smart financial move. With these steps, you can easily manage your KFINTECH NPS account and ensure your investments align with your long-term goals. If you have any further questions, feel free to schedule a product advisory call with us.