eNPS to NPS migration: How to shift your account to a PoP and What It Costs In 2026
Opened your NPS account online through eNPS and now want better tracking, easier SIPs and real support? You're not alone. Many subscribers start on eNPS and later look for a platform that does more.
What does eNPS to NPS migration mean?
You may see this searched as "convert eNPS to NPS," but your account is already an NPS account. What you're really doing is moving your PRAN from the eNPS channel to a Point of Presence (PoP). Your PRAN, your units and your investment history stay the same. Only the channel that services your account changes.
What is the use of shifting from eNPS to NPS?
The main reason to shift is to get more than a contribution portal. eNPS is built for opening an account and paying contributions. A PoP gives you comprehensive portfolio tracking and responsive human support for your account.
- One dashboard for your retirement money. PoP lets you open Tier I and Tier II accounts, set up SIPs, track your PRAN and manage withdrawals, with NPS Vatsalya and EPF tracking supported as well.
- Easier SIPs. Set up and manage contributions without going back to a CRA portal each time.
- Guided support. Talk to a support team when you need help, instead of working through the process alone, including at withdrawal time.
If you only want to pay contributions and don't need any of this, staying on eNPS is a valid choice.
eNPS vs PensionBox at a glance
| What you get | Staying on eNPS | With PensionBox (PoP) |
|---|---|---|
| One place for your retirement money | Tier I, Tier II and PRAN handled through the CRA portal | One app for Tier I and Tier II, PRAN tracking, plus NPS Vatsalya and EPF tracking |
| Easier SIPs | Set up and manage through the CRA portal | Set up and manage contributions inside the app |
| Real human support | Self-service | A support team you can speak to, including at withdrawal time |
| Simple, transparent pricing | No PoP charges if you stay on eNPS and contribute via eNPS or D-Remit | ₹200 one-time (₹100 for fully digital onboarding) and 0.20% a year, with 18% GST. No charge on contributions or exits, and none on dormant accounts |
| Flexibility to switch PoPs later | Can move to a PoP | Can switch to another PoP anytime, though not back to eNPS |
Your PRAN, corpus, CRA charges and fund charges are the same either way.
NPS charges in 2026: what you pay and to whom
Your NPS costs fall into two groups. PoP charges are paid to the platform that services your account. CRA and pension fund charges are paid on every NPS All Citizen account, wherever it was opened, including eNPS.
Additionally, GST of 18% is levied on these charges. On a ₹5 lakh corpus, the 0.20% annual charge works out to ₹1,000 a year before GST.
How eNPS compares: Subscribers onboarded through eNPS who later contribute via eNPS or D-Remit don't pay PoP charges, while those who first join through a PoP remain liable for the prescribed charges. So staying on eNPS can mean lower PoP related costs, and shifting means you're paying for added convenience and support.
2. NPS CRA and pension fund charges (separate from PoP charges)
These are not PoP charges. Every NPS All Citizen account pays them, so they stay the same whether you remain on eNPS or shift to a PoP. They apply to the CRA that keeps your account (Protean, KFintech or CAMS).
| Who charges it | Charge | Amount |
|---|---|---|
| CRA | Account (PRAN) opening | ₹35 to ₹40, one time |
| CRA | Annual account maintenance | ₹57.63 to ₹69 a year |
| CRA | Each transaction, including contributions | ₹3.36 to ₹3.75 |
| Pension fund manager | Investment management fee | 0.04% to 0.12% a year for standard schemes, depending on the fund's size. Schemes under the Multiple Scheme Framework can charge up to 0.30% a year |
| NPS Trust | Expense reimbursement | 0.003% a year |
How these are collected: CRA charges are deducted from your account by cancelling units. Fund manager and NPS Trust charges are built into the NAV, so you don't pay them separately.
From 1 July 2026, dormant accounts are charged one-tenth of the normal annual fee, and adding a new account tier to an existing PRAN stays free.
What this means in practice
Take a ₹5 lakh corpus with a standard-scheme fund fee at the upper end (0.12%). Rough annual costs would be:
- NPS fund management charges: about ₹600, built into the NAV
- CRA annual maintenance: up to ₹69
- PoP annual charge (if you shift): 0.20%, about ₹1,000
The CRA and fund charges are the same on eNPS. The PoP charge is the main difference shifting adds.
Ready to shift your eNPS account?
Check out PensionBox for the latest NPS charges and a guided migration with support. Download the PensionBox NPS app, enter your PRAN and get started in minutes.
How to migrate your eNPS account on the PensionBox app
- Download the app and complete KYC. Sign up on the PensionBox app and finish your KYC.
- Enter your PRAN. If we detect that your account is an eNPS account, you'll be taken through a consent flow.
- Sign and request a call. Sign the consent and tap the request call option.
- Our support team completes the shift. A support executive will speak with you and process the shift from the back office. Refresh the app to see your updated account.
Ready to start? Download the PensionBox NPS app and enter your PRAN to begin.
What you'll need
- Your PRAN
- Aadhaar and PAN
- A mobile number and email ID linked to your NPS account
Frequently asked questions
Can I shift back to eNPS after migrating?
No. The move from eNPS to a PoP is one-way.
Do I need to visit a branch or fill out paper forms?
No. You start the request in the app, give consent digitally and request a call. Our support team completes the rest.
Do CRA and fund charges change when I shift to a PoP?
No. CRA charges (account maintenance and per transaction fees), fund management fees and NPS Trust charges apply to every NPS All Citizen account. Shifting adds PoP charges on top.
Can I switch PoPs later?
Yes. PoP-to-PoP shifting is allowed.
Is migration compulsory?
No. It's optional. Shift only if the added features are worth the charges to you.
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PensionBox simplifies the National Pension System(NPS), the government's pension scheme for private employees both for retail users and HRs/companies.
If you don’t have an NPS account, you can simply open your pension account within 2 minutes and if you have NPS PRAN already, you will be able track, invest and manage everything free of charge with best user experience.
We never touch or hold your money directly, your investments go safely to your chosen pension fund through approved channels.
We are built with Zerodha as POP , ensuring transparency, data security, and peace of mind. Your retirement savings are protected by regulation and secured by technology.
That’s why, PensionBox brings transparency, zero charges, timely support and freedom to select any pension fund so that you get the best experience investing in NPS & be better future ready.
That’s not it, we help you & your company together to maximise contribution and tax savings with minimal charges & best user experience.
If you are an existing zerodha user then you get a fast login or sign up using kite ID.
Once you are onboarded with kite ID, you get free access to
- Open NPS in 2 minutes
- Track existing NPS
- POP shift or CRA shifting
- Invest in one time or create SIP in NPS
- Withdraw NPS requests & instant withdraw tier 2
- Create your dream retirement plan
- Open NPS Vatsalya for your kid
- Share with HR (To unlock more tax benefits)
- Employer Contribution:
- Contributions made by your employer to your NPS account are tax-free up to 14% of your basic salary under Section 80CCD(2). Do connect us with your HR to enable this for you.
Tax Benefits in Old Tax Regime - Self-Contribution:
- Deduction up to ₹1.5 lakh under Section 80C.
- Additional deduction of ₹50,000 under Section 80CCD(1B) — exclusive to NPS investments!
- This allows you to claim a total deduction of up to ₹2 lakh every year on your NPS contributions.
- Employer Contribution:
- Contributions made by your employer to your NPS account are tax-free up to 10% of your basic salary (Basic + DA) under Section 80CCD(2). Do connect us with your HR to enable this for you.
- This is over and above your personal deduction limits, giving you extra tax efficiency.
Feel free to book a free call to learn more about NPS, NPS Vatsalya, Corporate NPS & PensionBox or contact the support team.
