How to Track Your NPS Portfolio for Free with the Arthgyaan Goal-Based Investing Tool?
This article walks you through setting up and tracking your NPS portfolio for free using this user-friendly and free tool.
How to Track Your NPS Portfolio for Free with the Arthgyaan Goal-Based Investing Tool?
Posted on 22 May 2024
Author: Sayan Sircar
Tags: 
NPS
4 mins read
NPS
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This article walks you through setting up and tracking your NPS portfolio for free using this user-friendly and free tool.
📚 Topics covered:
- Why should you track your NPS portfolio?
- What is the best way to track your NPS portfolio for free?
- What should you do once you are able to track your NPS portfolio?
Why should you track your NPS portfolio?
There are three kinds of investors who invest in NPS:
- those who wish to save tax under Section 80 CCD(1B) by investing ₹50,000/year in NPS: Which is better: save tax by investing 50,000 in NPS or 35,000 in equity mutual fund?
- those who wish to save tax by investing up to 10% of salary (Basic + DA) under section 80 CCD(1) which is part of the overall ₹1.5 lakhs 80C limit: Which tax regime is better if you want to invest in PPF or ELSS or have a home loan?
- those who strongly believe that NPS is the right option for their retirement plan: Is NPS the right option for your retirement planning?
In any of these cases, it is essential to integrate your NPS investments with your remaining portfolios with shares, mutual funds and other assets like real estate, provident fund and bank deposits to get the holistic view. We show how to track your NPS portfolio in a way:
- where your data is safe since your portfolio composition stays on the tracker and is not shared with any third party
- the data updates automatically when you open the tool without any action on your part
- covers all NPS funds currently on offer in India
What is the best way to track your NPS portfolio for free?
The easiest solution for getting the latest value of your NPS portfolio is to use the portfolio tracker function of the the Arthgyaan goal-based investing tool. There is no charge for using the portfolio tracking feature. All you have to do is enter the NPS fund ID in column E and the number of units you hold in column G in the assets tab of the sheet.
We will use Google sheets to create a simple calculator for this calculation. There is a link to download a pre-filled copy of the Google sheet via the button below.
Important: You must be logged into your Google Account on a laptop/desktop (and not on a phone) to access the sheet.
Please refer to the “assets” tab of the sheet once you open it. You will get your NPS fund balance in your statements that come on your email from where you can get the unit counts:
You can refer to this article for the IDs of your NPS funds and, for reference, the latest NPS NAVs: Latest NAVs - National Pension System (NPS).
Related:
Is real-estate a large part of your portfolio - how to value income-generating investments?
What should you do once you are able to track your NPS portfolio?
If you are using the tool as described above, you will get a view like this in the “goals” tab:
Settting up your current portfolio and knowing the asset allocation is the first step towards creating your own financial plan like this: Case study: how this double income single kid family can perform DIY goal-based investment planning
You can see what the Arthgyaan goal-based investing tool can do via these YouTube tutorials: Click to watch
Related Articles
- Is NPS the right option for your retirement planning?
- Asset allocation for NPS: equity or debt / active or auto?
- Which is better: save tax by investing 50,000 in NPS or 35,000 in equity mutual fund?
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This post titled How to Track Your NPS Portfolio for Free with the Arthgyaan Goal-Based Investing Tool? first appeared on 22 May 2024 at https://arthgyaan.com
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