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NPS Vatsalya (pension account for children)

NPS Vatsalya (pension account for children) is a central government scheme run by the Department of Financial Services (regulated by PFRDA). Parents can open a pension account for a child below 18 and save for the long term. Who qualifies: Any minor child (Indian citizen, including NRI children), opened by a parent or guardian. Applying is free on pfrda.org.in.

Last updated: Reviewed by IndiaDigital editorsSources

You getSee benefit below
WhereAll India (central government)
Run byDepartment of Financial Services (regulated by PFRDA)
Last checked1 November 2026

What do you get under NPS Vatsalya?

Parents can open a pension account for a child below 18 and save for the long term. At 18 it becomes a regular NPS account in the child’s name.

Who is eligible for NPS Vatsalya?

  • Any minor child (Indian citizen, including NRI children), opened by a parent or guardian.
  • Minimum ₹1,000 a year.

Documents needed for NPS Vatsalya

0 of 4 ready

Offices may ask for more. Check the official list before you go.

How to apply for NPS Vatsalya

  1. Open it online through the eNPS site linked from pfrda.org.in, or at a bank or post office point of presence, with the child’s birth proof and the guardian’s KYC.

Go to the official site ↗

Common questions

Who is eligible for NPS Vatsalya?

Any minor child (Indian citizen, including NRI children), opened by a parent or guardian. Minimum ₹1,000 a year.

How much do I get under NPS Vatsalya?

Parents can open a pension account for a child below 18 and save for the long term. At 18 it becomes a regular NPS account in the child’s name.

What documents do I need for NPS Vatsalya?

Birth certificate of the child; Aadhaar card (linked to your mobile number); PAN card; Bank passbook or account details (Aadhaar-seeded account).

How do I apply for NPS Vatsalya?

Open it online through the eNPS site linked from pfrda.org.in, or at a bank or post office point of presence, with the child’s birth proof and the guardian’s KYC. Official site: https://www.pfrda.org.in/

Do I have to pay anyone to apply for NPS Vatsalya?

No. Applying for a government scheme is free on the official portal, and at Common Service Centres you pay only the notified service fee, if any. Never pay an agent who promises approval.

Official sources

Last checked 1 November 2026; next review by 1 May 2027. Rules and amounts change, so confirm on the official site before you apply. IndiaDigital is independent and not a government site.

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