Toll Free Number -1800 889 1030 of Atal Pension Yojana    (New NPS-CRA toll-free number 1800 210 0080. The old number will be discontinued shortly.)                                                       Go Paperless Opt for an Email Annual Transaction Statement                      Click Here for Aadhaar Seeding of APY Subscribers                       Are you interested in undergoing online training on NPS/APY(including central/state/autonomous body subscriber), if so please  Click Here                       As per PFRDA guidelines, contribution payment in NPS Tier II A/c through Credit Card is not permitted. Use other modes of payment such as Net Banking/ Debit Card / UPI for contributing in Tier II.                                         You can view your NPS Transactions in Consolidated Account Statement (CAS) shared by your Depository i.e. NSDL and CDSL. To add NPS Transactions in your CAS, Click Here.           

Conversion from Swavalamban to Atal Pension Yojna (APY) Scheme

As per the directives issued by the Pension Fund Regulatory and Development Authority (PFRDA), your NPS Swavalamban Account can be migrated to APY scheme, if your age is less than 40 year. You are requested to approach your Bank (with which you have your savings Bank account) for shifting your Swavalamban account to APY.

Sr. No. Investment Summary
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 contributions/ 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.
Investment Details
5. The 'Investment Details' section provides scheme wise details of the Total Contribution processed in your PRAN account.
6. ‘Total Contributions’ in your account as on March 31, 2023 (in Rs.) indicates the cost of units currently held in the PRAN account.
7. 7. 'Unrealized Gain / Loss' (in Rs.) indicates the gain/loss in the account for the current units balance in the account.
Account Management
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.
Contribution/Redemption Details
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.
Transaction Details
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. 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.
Other Instructions
13. 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.
14. This scheme qualifies for deduction u/s 80CCD of the Income-Tax Act, 1961(the "Act").
15. In case of nil / minimal credit in your account during the statement period, there is a possibility that the XIRR value is negative.
16. With effect from November 13, 2023, NPS Trust would recover administrative charges/ expenses @ 0.003% per annum of the Asset Under Management (AUM) on daily accrual basis to meet its expenditure.
17. 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).
18. The balances and respective narrations reflecting in your account are based on the contribution amount and details uploaded by your Aggregator. In case of any discrepancy, you must contact your Aggregator immediately.
19. 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 Aggregator.
20. 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
21. 21. NPS Lite subscribers can now download Mobile App ‘APY and NPSlite’ and access
  1. Statement of Holding
  2. Transaction Statement (PDF download)
  3. Subscriber detail view
  4. Last five Contribution details
22. According to the Regulatory Guidelines, CRA follows the (T+2) Settlement Cycle. Subsequent to authorisation of Withdrawal request by Nodal Office, request will be considered for pay-in on next working day and as per the stipulated settlement process the funds will be transfer to the respective Subscriber’s (i.e. on T+2 settlement days).

Legends
Term Description

NAV

Net Asset Value is the underlying value of one unit and 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.