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NPS Vatsalya 2026: Eligibility, Benefits & How to Apply

NPS Vatsalya Scheme (एन. पी. एस. वात्सल्य योजना) — Pension account for a child from ₹250 a year · Any minor citizen (opened by a parent/guardian)

Ongoing

Pension account for a child from ₹250 a year — Any minor citizen (opened by a parent/guardian)

LATEST · 13 Jan 2026PFRDA issued the NPS Vatsalya Scheme Guidelines 2025: minimum Rs 250 at opening and each year, no upper limit, and partial withdrawal of up to 25% of own contributions after three years. pib.gov.in ↗
Official site: npstrust.org.in ↗

Source: myscheme.gov.in · checked 21 Oct 2026

NPS Vatsalya quick answers

What you getPension account for a child from ₹250 a yearmyscheme.gov.inWho can get itAny minor citizen (opened by a parent/guardian)See eligibilityHow to applySee the stepsOfficial websitenpstrust.org.inCentral government

Benefit

  • Opening an NPS Vatsalya account provides the child with a head start on saving for retirement and offers valuable financial lessons from an early age. It instills the importance of financial planning and discipline. which can benefit the child throughout their life.
  • Upon reaching 18 years, the account automatically transitions into a regular NPS Tier I account, maintaining investment continuity with no additional administrative steps.
  • For the purpose of education of the subscriber, treatment of specified illnesses, disability more than 75%, or the reasons as may be specified by PFRDA in the interest of the minor subscriber under the regulations, the guardian shall be allowed to partially withdraw up to 25% of subscribers’ contribution excluding returns thereon, after a minimum of 3 years from the date of opening of account, for maximum three times till the subscriber attains 18 years of age. Such facility shall be made available on a declaration basis.

Source: myscheme.gov.in ↗ · 21 Oct 2026

Latest official updates

  • PFRDA issued the NPS Vatsalya Scheme Guidelines 2025: minimum Rs 250 at opening and each year, no upper limit, and partial withdrawal of up to 25% of own contributions after three years.pib.gov.in ↗

Am I eligible for NPS Vatsalya?

Who can apply

Tick each line that is true for you.

Source: myscheme.gov.in ↗ · 21 Oct 2026

How to apply

Steps

  1. Visit the NPS Trust Website https://npstrust.org.in
  2. On the home page click, “Open NPS Vatsalya”
  3. Subscriber will be directed to the page where the choice of any of the three CRAs can be made.
  4. On selecting the CRA, subscriber needs to enter the basic details of the Minor and the Guardian and complete OTP authentication.
  5. KYC details of the guardian such as Name, Date of Birth, Gender, Address, and Photo will be fetched from UIDAI database or CERSAI database and rest of the details to be filled. Proof of Date of Birth of minor should be uploaded.
  6. FATCA details and declaration to be entered and the choice of Investment Option should be made.
  7. Details to be verified through OTP authentication through email and mobile number.

Documents

  • The Aadhaar Card / PAN Card / Driving License of the guardian.
  • Date of Birth Proof of Minor (i.e., Birth certificate of the minor, School leaving certificate / Marksheet issued by Higher Secondary Board of respective states, ICSE, CBSE etc and Passport of the minor etc).
  • Guardian Signature.
  • Scanned Copy of Passport (Applicable only for NRI Subscribers).
  • Scanned copy of Foreign Address Proof (Applicable only for OCI Subscribers).
  • Scanned copy of Bank Proof (Applicable only for NRI/OCI Subscribers).

Source: myscheme.gov.in ↗ · 21 Oct 2026

NPS Vatsalya: questions people ask

What is NPS Vatsalya?

NPS Vatsalya is a contributory pension system under the National Pension System (NPS). Its objective is to create a pension society and encourage the empowerment of children by inculcating the habit of saving for retirement from an early age.

Who can subscribe to NPS Vatsalya?

NPS Vatsalya is open to all citizens of India who are under the age of eighteen years. The account will be opened and operated by the guardian on behalf of the minor.

What are the benefits of opening a NPS Vatsalya account?

Opening an NPS Vatsalya account provides the child with a head start on saving for retirement and offers valuable financial lessons from an early age. It instils the importance of financial planning and discipline, which can benefit the child throughout their life.

How is the NPS Vatsalya account operated?

The account is opened by the natural or legal guardian in the name of the minor. The minor is the sole beneficiary of the account. A unique Permanent Retirement Account Number (PRAN) is issued in the minor's name. The account is operated by the guardian for the exclusive benefit of the minor until they reach the age of majority (18 years).

What happens when the minor attains the age of 18 years?

The account will continue to be operational and will be seamlessly transitioned into a NPS -Tier 1 Account under the All Citizen Model. Upon transitioning, the features, benefits, and exit norms of the NPS-Tier I for All Citizen Model will apply. A fresh KYC of the subscriber must be carried out within three months of reaching majority. Contributions to the NPS Tier1 Account will be allowed after the submission of fresh KYC.

Source: myscheme.gov.in ↗

What changed on this page

· PFRDA issued the NPS Vatsalya Scheme Guidelines 2025: minimum Rs 250 at opening and each year, no upper limit, and partial withdrawal of up to 25% of own contributions after three years.

· Facts checked against the official sources on 21 Oct 2026.

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