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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 Contribution in your account as on March 31, 2019 (in Rs.) indicates the cost of units currently held in the PRAN account.
7. 'Unrealized Gain / Loss' 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 PRANaccount, which may / may not be the date for allotment of the NAV.
10. 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.
11. 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.
12. '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.
13. 13. 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
14. The Transaction statement is dynamic. The value and other computations in the Transaction statement depend upon the generation date.
15. Contribution amount is invested as per the guidelines of Government of India (upto 85% of the money will be invested in debt and government securities and upto 15% will be invested in equity)
16. The balances and respective narrations reflecting in your account are based on the contribution amount and details uploaded by your Circle Office. In case there is no/less/excess contribution for any month or no clarity in the narration,please contact your Circle Office.
17. Subscribers who have not provided their Nomination details and valid mobile numbers at the time of registration or the details provided earlier have changed; please get the same updated in CRA system by requesting to your Circle Office.
18. 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.
19. The facility to download and/or print Transaction Statement has been provided to NPS Lite subscriber. The subscriber can access their Transaction Statement through www.npslite-nsdl.com
20. NPS Lite subscribers can now download Mobile App and access
(i). Statement of Holding
(ii).Transaction Statement (PDF download)
(iii).Subscriber detail view
(iv).Last three Contribution details
21. According to the Regulatory Guideline CRA follows the T+3 Settlement Cycle, Subsequent to execution of the withdrawal request the fund is being received by the Trustee Bank after three settlement days.
22. In case of any discrepancy, you must contact your Circle Office immediately.

Legends
Term Description

NAV

Net Asset Value is the underlying value of one unit, it is computed daily based on the closing market prices of the securities in the fund's portfolio. The daily NAV is available at https://npscra.nsdl.co.in/nav-search.php Current value of Contribution in a Scheme = Current NAV of the scheme x Total Units in the Scheme.