How to Download NPS Statement or check account balance online? NPS subscribers are always searching for this answer. In this post, I will share step by step method to download NPS statement.
National Pension Scheme (NPS) is one of the best investment schemes for retirement planning. Apart from investment, NPS also act as very good tax saving tool. NPS allows additional tax benefit of Rs 50000 under section 80CCD (1B). This amount can be claimed for deduction during a particular financial year. You can claim the deduction over and above the Rs 1.5 lakh limit as prescribed under the section 80C of income tax act. The deduction under 80 CCD (1) is available to both salaried and non-salaried individuals.
If you have invested your money in NPS, you need to submit NPS investment proof to claim the income tax deduction. By this time your employer must be asking you to submit the income tax investment proof for Form C. Once you submit the proof, your employer will verify it and make TDS deduction for the financial year. If you are NPS subscriber you can easily download NPS Statement as an investment proof. This investment proof can be obtained from central record keeping agency for NPS – CRA NSDL website.
The subscriber can also download the receipt of a voluntary contribution made in Tier I account by logging into NPS account.
NPS Statement & Account Balance – How to Download?
Steps to Download NPS Statement
First, you need to login to your NPS account via CRA website. Go to https://www.cra-nsdl.com/CRA/
Log in as a subscriber via entering PRAN and password.
Once you are login you will be able to see the navigation bar.
In the navigation bar go to Transaction Statement Menu. Under sub-menu, you will be able to see “Holding Statement” and “Transaction Statement” as shown in the image below.
Click on the transaction statement and you will be able to download the NPS Statement. A sample Statement of Holding statement is given below.
Steps to Download NPS Voluntary Contribution Statement
Visit the NPS CRA website and log in as a Subscriber via entering your PRAN and password.
Once you login you need to go to “View” under main menu.
You need to go to sub-menu “Statement of Voluntary Contribution under NPS” available under main menu “View”
You can download NPS contribution statements for different financial years. Once your statement is downloaded you can take printout and submit to your employer as an investment proof.
NPS Balance Check via NPS & UMANG App
You can also check NPS balance via NPS app(NPS by NSDL e-Gov). This app is easily available on Google Play Store. The steps to check NPS balance via NPS app is given below.
Download & Install NPS app in your smartphone from Google Play Store.
Open the App and click on Login.
Enter PRAN and password.
You can access the latest account details as is available on the CRA
You can view your current holdings and all other account details.
You can also submit your contribution via this app on the move.
Checking NPS balance via an app is a smart and user-friendly way.
The government of India also offers a facility to check NPS balance via the App. NPS service facility is available in UMANG app. UMANG is an initiative by the government to offer E-Gov services under a single platform. You can UMANG app from the website or from Google Play Store.
Do share your views and experience in the comment section given below.
10 Best Credit Cards in India to Save Money – Which are the best credit cards in India? Well, when it comes to the shortlisting best credit card you need to do a lot of comparison with respect to features and cost. To help you here is a ready made list of 10 Best Credit Cards in India including cost and feature comparison.
The list of best credit cards selected here is best fit for the salaried professional with the mindset of saving more money. While shortlisting cards I have gone through the benefit of each card in detail like cashback, rewards, cost etc. So, here is a list of Top 10 Best Credit Cards in India 2019.
For better understanding, I have divided credit cards into various saving categories. The categories are –
# Best Credit Cards in India for Saving Money on Grocery Shopping
# Top Credit Cards in India for Saving Money on Online Shopping
# Best Credit Cards in India for Saving Money on Travel Expenses
# Best Credit Cards in India for Saving Money on Dining and Movie Tickets
# Top Credit Cards in India for Saving Fuel Expenses
10 Best Credit Cards in India To Save Money 2019 – Latest Review
Best Credit Cards in India for Saving Money on Grocery Shopping
Standard Chartered Manhattan Platinum Credit Card
Standard Chartered Manhattan Platinum Credit card is one of the best credit cards for doing grocery shopping. This card provides a benefit of cashback of 5% while doing grocery shopping in malls. You can easily get approval of this credit card. It is the most suitable card for salaried person. Apart from the grocery, you can also save money on commuting.
Fee & Charges
Joining Fee – Rs.999
Annual Fee Second Year Onwards – Rs.999
Overdue Interest – 3.49% per month
Key Features and Benefits
5% cashback on a purchase at supermarkets like Reliance Fresh, Big Bazaar etc.
Cashback limit is Rs.500 per month and maximum Rs.150 per transaction.
You can get 20% cashback on Uber rides. Maximum limit for Rs.600 per month.
3x rewards on all other spending.
You can get lucrative discount offers on leading brands from time to time.
The good life offer program to enjoy additional privileges with leading brands.
SBI SimplySAVE Advantage Card
SBI SimplySave Advantage Card is a very good card for the salaried individual. The SBI SimplySAVE Advantage card provides multiple benefits and helps you to save money for shopping. Annual fee of this card is very low. This card provides multiple reward points. The overdue interest charge is low.
Fee & Charges
Joining Fee – Rs.499
Annual Fee Second Year Onwards – Rs.499
Overdue Interest – 2.5% per month
Key Features and Benefits
10X Reward points per Rs.100 spent on the departmental store, Grocery, Dining, and movies.
Cash on the go facility. You can withdraw money from any ATM.
Fuel surcharge waiver.
Global Acceptance and Auto utility bill payment.
You can also use Flexi Pay and EMI facility.
Top Credit Cards in India for Saving Money on Online Shopping
SBI SimplyCLICK Credit Card
If you are online geek and fond of doing online shopping, SBI Simply Click is one of the best credit cards for online shopping. SBI Simply Click has a tie-up with Amazon, Bookmyshow, Cleartrip, and multiple other online e-commerce companies. You can get 10X shopping rewards on online shopping.
Fee & Charges
Joining Fee – Rs.499
Annual Fee Second Year Onwards – Rs.499
Overdue Interest – 3.35% per month
Key Features and Benefits
You will get Gift Card from Amazon on Joining worth Rs.500.
You can earn 10X reward points on online spends with exclusive partners.
Earn 5X rewards on all other online shopping.
E-voucher worth Rs.2000 on annual online spends of Rs.1 Lakh.
1% fuel surcharge waiver for the transaction between Rs.500 & Rs.3000.
Axis Bank Buzz Credit Card
If you are Flipkart lover Axis Bank Buzz Credit Card is for you. This card is exclusively associated with Flipkart. This card offers multiple milestone-based benefit to you. The key features and associated fees of this card are given below.
Fee & Charges
Joining Fee – Rs.750
Annual Fee Second Year Onwards – Rs.750
Overdue Interest – 3.25% per month
Key Features and Benefits
You will get Flipkart Gift Voucher worth Rs.1000 on making 3 purchases within 45 days.
You will get up to 10% discount at Flipkart Every month.
You will have the option to convert purchase to EMI.
Best Credit Cards in India for Saving Money on Travel Expenses
Citibank Premier Miles Credit Card
If you are looking for a credit card which will save your travel expenses, you can go for Citibank Premier Miles and Credit Card. The annual fee for this card is very high, however, you will get a lot of privileges for using this card.
Fee & Charges
Joining Fee – Rs.3000
Annual Fee Second Year Onwards – Rs.3000
Overdue Interest – 3.5% per month
Key Features and Benefits
You will get a welcome offer of 10,000 miles with your first spend of Rs.1000.
The card works on miles you can earn 10 miles per Rs.100 spent on all airline transactions.
You can earn 4 miles per Rs.100 spent on all other transactions.
Free Airport lounge access
Evergreen Miles that never expires
24×7 SMS tracking of your Reward Points.
IRCTC SBI Platinum Card
If you are traveling a lot using railway IRCTC SBI Platinum Card is the best choice. This card offers multiple exclusive benefits to the end user. The key features associated with this card is given below.
Fee & Charges
Joining Fee – Rs.500
Annual Fee Second Year Onwards – Rs.300
Overdue Interest – 3.35% per month
Key Features and Benefits
You can buy a ticket at IRCTC (AC1,AC2,AC3 and AC CC) and earn up to 10% Valueback as Reward points by using this card.
You can save 1.8% transaction charges on railway ticket booking.
You will enjoy a 1% fuel surcharge waiver.
Global Acceptance and Auto utility bill payment.
You can also use Flexi Pay and EMI facility.
Best Credit Cards in India for Saving Money on Dining and Movie Tickets
Citibank Cashback Credit Card
Citibank Cashback Credit Card is one of the best credit cards for saving money on Dining and Movie Tickets. Citibank Cashback card offers cashback on almost every spends. It is a new generation contactless card. The key features and benefits of Citibank Cashback card are given below.
Fee & Charges
Joining Fee – Rs.500
Annual Fee Second Year Onwards – Rs.500
Overdue Interest – 3.5% per month
Key Features and Benefits
5% cashback on utility bill payment, movie ticket purchase & telephone bill payment.
5% cashback on all other spends.
Up to 15% saving on participating restaurants.
Get automatic cash back as a statement credit.
Redemption in Multiple of Rs.500.
Online Saving Calculator about Cashback.
Exciting offers on leading brands across categories.
ICICI Bank Coral Credit Card
For movie & food lover ICICI Bank Coral Credit card is a very good choice. This card is offered against income proof or against a fixed deposit. This card is suitable for salaried people. The overdue interest charge for this card is very low.
Fee & Charges
Joining Fee – Rs.500
Annual Fee Second Year Onwards – Rs.500
Overdue Interest – 2.49% per month
Key Features and Benefits
Minimum 15% saving on dining bills via culinary treat program.
You can get 2 complimentary movie ticket every month on Bookmyshow.
Double the rewards on dining, groceries at the supermarket.
Payback point on every Rs.100 spent on utility and insurance.
Top Credit Cards in India for Saving Fuel Expenses
Standard Chartered Super Value Titanium Card
If you want to save your fuel expenses you can make use of Standard Chartered Super Value Titanium Card. Apart from fuel you can also save money on utility bill payments. The key features & benefit details of this card are given below.
Fee & Charges
Joining Fee – Rs.750
Annual Fee Second Year Onwards – Rs.750
Overdue Interest – 3.49% per month
Key Features and Benefits
Earn 5% cashback on fuel spends up to maximum Rs.200 per month.
Get 1 reward point for every Rs.150 spend.
Earn 5% cashback on utility bills and telephone bills.
Get 1% fuel surcharge waiver at major petrol pumps. (HPCL, BPCL, Indian Oil)
20% cashback on Uber rides up to maximum Rs.600 per month.
ATM withdrawal is allowed.
ICICI Bank HPCL Coral American Express Credit Card
ICICI Bank HPCL Coral American Express Credit card is next choice for saving fuel expenses. Annual fee of this card is very low. One drawback of this card is all major benefits are applicable at HPCL petrol pump only. So, you need to compulsory purchase petrol from HPCL pump to use this card.
Fee & Charges
Joining Fee – Rs.199
Annual Fee Second Year Onwards – Rs.199
Overdue Interest – 3.40% per month
Key Features and Benefits
You can get 5% saving on fuel with 2.5% cashback and 1% surcharge waiver at HPCL petrol pumps.
5% cashback benefit is applicable up to Rs.100 per month.
You can enjoy 100 Rs. discount up to 2 movie tickets per month.
6 Payback points on fuel spend at HPCL pumps and 2 Payback points at all other retail spends.
Get fuel worth Rs.500 on redemption of 2000 payback points.
Save up to 15% at over 800 restaurants.
Over to You –
Which Credit Card you prefer to buy from the above list?
Do you use any of the credit cards from the above list?
How to unlink Aadhaar from Bank Account, Digital Wallet & Mobile? As per Supreme Court verdict dated 28th September 2018, it is not mandatory for the Indian Citizen to link Aadhaar number to a bank account, mobile number or digital wallets.
The main reason behind this verdict is Aadhaar details are not safe and it poses a huge privacy risk. Let me explain – A demographic information of Aadhaar card can be used for establishing the identity of an individual. Easy access to Aadhaar data can cause commercial exploitation of your biometric data and demographic information. If you have linked your Aadhaar Number to the bank account, digital wallet or mobile you can delink it to prevent misuse of available information.
As per Compendium of Regulations, Circulars and Guidelines’ for authentication of Aadhaar-based e-KYC, available on the official website of UIDAI (Unique Identification Authority of India), “The Aadhaar number holder may, at any time, revoke consent given to a KUA for storing his e-KYC data or for sharing it with third parties, and upon such revocation, the KUA shall delete the e-KYC data and cease any further sharing.”
A step by step method to unlink/delink Aadhaar from the bank account, digital wallet & mobile is given below.
Before proceeding for unlinking Aaddhar from Bank account make sure your bank account is not linked to Direct Bank Transfer scheme or Gas subsidy scheme. You will not receive any benefits once your account is unlinked.
# Method 1 – Digital Method
Visit Official website of your bank.
Login to the bank account and go to a personal profile page.
Try to locate option stating de-link your Aadhaar number.
Once you click on that option you will able to see simple form for delinking consent. On giving your consent Aaddhar number will be delinked from your bank account.
You will receive SMS about the same.
If your bank is not providing any digital facility of unlinking Aaddhar follow the method given below.
# Method 2 – Paper Based Method
Visit your branch and ask customer care person to provide De-linking form.
Few banks such as Indian post payment bank provide delinking Aadhaar option in the form.
Fill up the form and submit.
Your Aadhaar information will be unlinked within 48 hours.
If a bank is not offering the facility of de-linking form you need to write a simple application for delinking Aadhaar from the bank account. Submit your application to the bank manager. Your application should mention revoking permission about using your Aadhaar, biometric details, and demographic information.
How to unlink Aadhaar from Digital Wallet & Mobile?
Steps to unlink Aadhaar from digital wallets and mobile service provider is given below.
Call the customer care and ask for the procedure to unlink Aadhaar.
The service provider will ask you to file a written application or to send an email with a request to de-link Aadhaar details.
Once you send e-mail you will receive notification within 48 -72 hours about delinking of Aadhaar.
You will find some difference in the process of delinking Aadhaar with respect to service providers. The reason is the standard guideline for delinking is not available.
How to check if your Aadhaar information is delinked or not?
If you want to check if your Aadhaar information is delinked or not you can use UIDAI – Aadhaar Services. The process is given below.
Are you looking for New Business Ideas? Well, let me tell you something, you are not alone. There are many young and dynamic people looking for new business ideas. They aspire to start a new business, but due to lack of capital or good business idea, they avoid starting a business. If you are one of them, here is something interesting for you. Here is list of Top 10 New Business Ideas for 2019. Every business idea given here is unique and contains a lot of business potential.
Some of the business ideas require skills, investment and licensing while others require only a few bucks and internet connection. You can decide which business idea is more suitable based on your skills and affordability.
The world is moving towards digitalization. So, the first new business ideas for 2019 is starting a digital consultancy. Digital has become a buzzword. Each and every business is now adopting digitalization and Industry 4.0. Digital gives a lot of business benefits. If you are from a technical/engineering background with a great understanding of digital you can open your own digital consultancy. It is a very lucrative business idea.
#2 Small Robot Toys Making Business
The second new business idea for 2019 is a small robot toy making business. This idea requires very good technical skill and electronic background. So, if you are capable of making small robot toys you can grab the market in the year 2019. The toy made by you must be easy to use and affordable.
#3 Diet Food Making
Overweight or excessive obesity is one of the most common problems observed by many individual nowadays. It is mainly due to the lifestyle where no physical exercise is involved. To reduce the weight people mostly adopt diet food. Thus starting a diet food making is one of the very good business options. One of the most popular treatments for reducing weight is Keto Diet. If you can prepare keto diet you can quickly grow in this segment.
#4 E-waste Recycling Plant
Usage of the electronic component is skyrocketing nowadays. Once these electronic components complete the useful life it becomes e-waste. The e-waste contains a lot of components including gold and silver. If you have expertise in processing electronic waste, you can start your own e-waste recycling plant.
#5 Smart Home Appliance
A Smart Home Appliances are set of internet connected devices which can be monitored or operated from anywhere. Every home appliance is becoming smart now. Starting from a speaker, clock, light, doorbell, fridge, water heater, cooking utensil everything is becoming smart. If you have the knowledge you can convert appliance to smart and sell it. Another idea is to do trading and installation & configuration of smart home appliances.
#6 Chatbot Business
The next new business idea in the list is chatbot making business. Today almost every website prefer chatbot. A chatbot is a computer program that simulates human conversation through artificial intelligence and sends response via auditory or textual manner. Chatbots helps business to do work automation. It also helps to increase customer satisfaction. If you are technically sound you can establish your own business of making customized chatbots based on business requirement. It is a new booming business with a lot of scopes.
#7 Remote Employee Monitoring
Remote workforce has become very common nowadays. Checking productivity and knowing about the actual time spent on the work is very important for the employer. If you have IT-related knowledge you can design your own software for tracking employee productivity. This could be a very good startup business idea.
#8 Corporate Wellness
Corporate Wellness is the program that is designed to support employee wellbeing. Every organization opts for the corporate wellness program. If you are an expert in designing corporate wellness program you can start your own business related to corporate wellness. It is one of the best evergreen business idea.
#9 E-Bike Sell & Repair Services
Selling electronic bike or starting electronic bike repair service is the next new business idea. The demand for electronic bike is growing and in the future, we may see a huge rise in the usage of the e-bike. Thus starting E-bike sell and repair is one of the very good lucrative business options.
#10 IoT Business
The next in the list of new business ideas is IoT (Internet of Things). Today almost everyone uses multiple gadgets. Internet of Things or IoT is a business of connecting this device together with internet, collecting information and developing a fruitful solution. The solution could be for business or for personal purpose. IoT concept is just started in India. If you have skills you can establish a very good business using IoT concept.
Over to you –
No matter what type of business you will start in 2019 or how much capital you have, I am sure that at least a few ideas from my list will match your criteria.
If you have got any new innovative business idea which is not covered above, don’t forget to share it via comment section given below.
