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Sr. No. Notes
1. The ‘Investment Summary’ Section provides the Total Contribution in your account, Value of your Holdings (Investments) and Total Notional Gain/Loss on your Investment. It also provides overall Return on your Investment along with the Return for the financial year.
2. Return on Investments’ gives the annualized effective compounded return rate in PRAN account and is calculated using the formula of XIRR. The calculation is done considering all the contribution / redemptions processed in PRAN account since inception and the latest valuation of the investments. The transactions are sorted based on the NAV date.
3. 'Returns for the Financial Year' gives the effective return rate for last financial year using the formula XIRR considering all the contribution / redemptions processed in PRAN account since April 1, Opening Balance & Closing Balance and the latest valuation of the investments.
4. The above returns are based on scheme NAVs and the securities held under the scheme portfolio are valued at Mark To Market (MTM) basis and are subject to change on NAV fluctuations.
5. The 'Investment Details' section provides scheme wise details of the Total Contribution processed in your PRAN account.
6. ‘Total Contributions’ in your accountas on March 31, 2019(in Rs.) indicates the cost of units currently held in the PRAN account.
7. 'Unrealized Gain / Loss'(in Rs.) indicates the gain / loss in the account for the current units balance in the account.
8. The section “Account Management - Changes made during the Financial Year’ indicates all the change requests processed in PRAN account during the period for which the statement is generated.
9. The section 'Contribution / Redemption Details' gives the details of the contributions and redemption processed in subscriber’s account during the period for which the statement is generated. While contribution amount indicates the amount invested in subscriber’s account, the redemption amount indicates the cost of units redeemed from the account. The cost of units is calculated on a First-In-First-Out (FIFO) basis. The details are sorted based on date when the transaction is posted in PRAN account, which may / may not be the date for allotment of the NAV.
10. The section 'Transaction Details' gives the units allotted under different schemes / asset classes for each of the contributions processed in subscriber’s account during the period for which the statement is generated. It also contains units debited from the account for redemption and rectification. The details are sorted based on date when the transaction is posted in PRAN account, which may / may not be the date for allotment of the NAV.
11. The Amount in the Closing Balance under the section 'Transaction Details' gives the cost of investment of the balance units and not a sum total of all contribution and withdrawal. The cost of units is calculated on a First-In-First-Out (FIFO) basis.
12. For transactions with the remarks “To Unit Redemption”, the cost of units redeemed are adjusted against the total contribution in the Investment Details section. Further, the cost of units is calculated on a First-In-First-Out (FIFO) basis. For calculating the ‘Returns based on Inflows’, the actual redemption value corresponding to the units redeemed has been considered.
13. This scheme (NPS Tier I) qualifies for deduction u/s 80CCD of the Income-Tax Act, 1961(the "Act")If you are an employee or if you are self-employed, you will be able to avail of deduction on contribution made from your taxable income to the extent of (u/s 80 CCD (1) of Income Tax Act, 1961)
  • 10% of salary (Basic + DA) - if you are salaried employee.
  • 10% of your gross income - if you are self-employed
However, please note that the maximum deduction from your taxable income is limited to RS.1.50 lac, as permitted under Sec 80 CCE of the Income Tax Act, 1961
14. Further, an additional deduction from your taxable income to the extent of Rs. 50,000/- is available only for contribution in NPS u/s Sec. 80 CCD (1B).To give an example, your salary is Rs.15 lac per annum. On contribution of Rs. 2 lac, you can avail:
  • Deduction under Sec. 80 CCD (1) - Rs. 1.50 lac;
  • Deduction under Sec. 80 CCD (1B) - Rs.50,000
  • Total deduction (a+b) -Rs. 2.00 lac
Also note that your employer's contribution upto 10% of your salary is fully deductible from your taxable income.
15. The Transaction statement is dynamic. The value and other computations in the Transaction statement depend upon the date on which the Transaction Statement is accessed in CRA system.
16. For Corporate Subscribers, the narration appearing in the Arrear contributions is as mentioned by your office at the time of giving/uploading information to CRA. In case you do not find clarity in the narration provided, you may kindly contact your CHO/CBO.
17. If you or your associated Corporate (for Corporate Subscribers only) have opted for ‘Auto Choice’ as Scheme Preference, the contribution is invested in Class E, C and G of the chosen PFM with percentage as per the subscriber’s age in accordance to the guideline of PFRDA.
18. The CRA charges are levied on a quarterly basis. The bill amount is recovered by way of redemption of units on the last working day of the quarter. You are requested to check the current balance of your account from the Statement of Holding available at CRA website (www.cra-nsdl.com). You can also view the details of the charges in the ‘Bill Details View’ option on the CRA website.
19. With effect from January 25, 2019, NPS Trust has stopped recovery of administrative charges/ expenses that it used to charge @ 0.005% per annum of the Asset Under Management (AUM) on daily accrual basis to meet its expenditure.
20. If you have not provided your mobile number/email ID/Nomination at the time of registration or the details provided earlier have changed, please get the same updated in CRA system by submitting ‘Subscribers details change form (Form UOS-S2) to your associated POP-SP and form (Form CS-S2, in case of Corporate Susbcribers) to your associated POP-SP, through your Corporate.
21. In case your account (Tier I/Tier II) has been frozen (for not adhering with the minimum yearly contribution investment criteria for the financial year 2017-2018) as prescribed by PFRDA, you will not be able to operate your account or view the Transaction Statement. To unfreeze your account, you may contribute either through the POP or through the online mode of eNPS option which is made available at the link https://enps.nsdl.com/eNPS/LandingPage.html or through NPS APP (available in Google Play store). Till the time your account is frozen, no further Transaction Statement (in physical form) will be sent to you.
22. In case of any other queries, you may contact CRA toll free helpline 1800 222 080/ 022-24993499.Please keep your PRAN and T-PIN ready before calling.