The National Pension System (NPS) has emerged as one of the most flexible retirement savings tools in India, thanks to its portability and lifetime account structure. The system is anchored by the Permanent Retirement Account Number (PRAN) — a unique identifier that remains constant throughout an individual’s lifetime.

This means that changing jobs or even relocating abroad does not interrupt your retirement savings journey.

NPS portability across jobs

When an employee changes jobs, the same PRAN can be used with the new employer, provided the organisation participates in the corporate NPS framework. If the new employer does not offer NPS, the individual can continue contributing independently under the individual subscriber category.

“The PRAN stays active forever and is fully transfe

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