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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 processedin yourPRAN account.
6. Total Contribution in your account as on March 31, 2019 (inRs.) 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. Due to review of transactions, units allotted to certain Subscribers may undergo a change. Review of transactions carried out in order to protect the interest of Subscribers as directed by PFRDA.
17. The balances and respective narrations reflecting in your account are based on the contribution amount and details uploaded by your uploading office (PAO/CDDO) for Central Govt. and (DTA/DTO) for State Government. In case there is no/short/excess contribution for any month or no clarity in the narration, please contact your uploading office
18. 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 PrAO/PAO/CDDO for Central Government and DTA/DTO for State Government
19. The contents of the Transaction Statement will be deemed to be correct and accepted by you unless you inform us of any error/ discrepancy within 30 days of receipt of the Transaction Statement.
20. There may be more than one credit appearing against a month. This may be due to monthly subscription contribution being sent through multiple fund transfers on different days by the PAO/CDDO for Central Government and DTA/DTO for State Government.
21. 21. If you are a “Non IRA” subscriber please fill up the Common Subscriber Registration Form (CSRF) and submit to your PAO/CDDO for Central Government and DTA/DTO/DDO for State Governmentfor issuance of the PRAN card. The CSRF can be downloaded from NSDL-CRA website (www.npscra.nsdl.co.in)
22. 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 ‘Subscriber Details Change’ form (Form ‘S2’) to your PAO/CDDO for Central Government and DTA/DTO for State Governmentto update in the CRA system. Also Mobile NumberandEmail ID can be updated by logging at CRA site (www.cra-nsdl.com) using your PRAN as user ID or by accessing NSDL-CRA Mobile App.
23. 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.
24. According to the Regulatory Guidelines, 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.
25. In case of any other queries, you may contact CRA toll free helpline 1800 222 080/ 022 2499 3499.Please keep your PRAN and T-PIN available with you at the time of calling on the aforementioned numbers.

LEGENDS

TERM

DESCRIPTION

Legacy Amount

The contributions accumulated up to March 31, 2008 (except for Department of Post) and transferred to NPS by your uploading office.For Department of Post, contributions accumulated upto August 31, 2008 and transferred to NPS by your uploading office.

Arrears

Contributions transferred to NPS as an Arrear for the previous months by your uploading office on account of pay revision etc. as reflected in the "Particulars" column.

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.