Track your NPS Tier 1 and Tier 2 investments
A live view of your National Pension System portfolio — Tier 1 retirement corpus and Tier 2 flexible savings.
Track scheme-wise allocation, unit balance, NAV-based valuation, contribution history, and tax benefits across both NPS tiers — from a single dashboard.
The National Pension System (NPS) is a flexible, market-linked retirement product — but its two-tier structure (Tier 1 for retirement, Tier 2 for anytime withdrawals) and multiple scheme choices (E, C, G, A) make it genuinely hard to track in a spreadsheet. Invesh's NPS tracker models both tiers independently, calculates scheme-wise unit balances and NAV-based valuations, and rolls everything up into your overall wealth dashboard.
Log your contributions (employer, employee, and voluntary under 80CCD(1B)) and the tracker attributes each contribution to the right scheme and tier. You see your current Equity / Corporate Bond / Government / Alternative allocation, unit balance per scheme, and market value — updated with the latest NAV. Over time you get a clean picture of CAGR, contribution discipline, and how close you are to the ₹50,000 80CCD(1B) top-up every financial year.
With Artha, the built-in AI assistant, you can upload your NPS CRA statement or the annual transaction statement and have every contribution and unit allocation extracted automatically. Your NPS balance is also rolled into the unified Invesh wealth dashboard alongside PPF, EPF, stocks, mutual funds, and US stocks, so you see your true retirement-plus-wealth position in one screen.
Tracking that respects how NPS actually works
Tier 1 + Tier 2, separate dashboards
Tier 1 retirement corpus and Tier 2 flexible savings get independent KPI cards, charts, and transaction history.
Scheme-wise allocation
See your split across Equity (E), Corporate Bond (C), Government (G), and Alternative (A) assets — and how it drifts over time.
NAV-based valuation
Market value calculated from your unit balance and the latest NAV per scheme — no stale year-end number.
Tax deduction tracker
Track how much you have contributed toward the ₹1.5 lakh 80C ceiling and the additional ₹50,000 80CCD(1B) top-up.
Contribution history
Every employer, employee, and voluntary contribution logged by date, amount, and tier — audit-ready whenever you need it.
Artha AI import
Upload your CRA or annual transaction statement and Artha extracts contributions, units, and NAV data automatically.
Frequently asked questions
Does Invesh track NPS Tier 1 and Tier 2 separately?
Yes. Tier 1 (retirement corpus, locked until 60) and Tier 2 (flexible withdrawals) are modeled as independent accounts with their own dashboards, but they also roll up into your overall wealth view.
Which CRAs (CRAs) are supported — Protean / NSDL, KFin, CAMS?
The tracker works with statements from any Central Recordkeeping Agency. You upload the transaction statement PDF and Artha parses contributions, unit allocations, and scheme details.
How is market value calculated?
Market value = your unit balance per scheme × the latest NAV for that scheme, summed across E, C, G, and A assets within each tier.
Will the tracker help me max out 80CCD(1B)?
Yes — a progress bar for the current financial year shows how close you are to the ₹50,000 80CCD(1B) top-up so you can plan voluntary contributions before March 31.
Does NPS show up in my total net worth?
Yes. Tier 1 and Tier 2 balances are included in the unified Invesh wealth dashboard along with PPF, EPF, stocks, mutual funds, and US stocks.
Can I track multiple NPS accounts?
Yes. Add a separate NPS account per holder (self, spouse) and each gets its own dashboard while still rolling into the household view.