Flexible Benefit Plan (FBP) Policy Document: Disclaimer

Flexible Benefit Plan
(FBP)
Policy Document
Disclaimer
The FBP policy reflects the current tax provisions. Any change in the tax provisions, will necessitate a
change in the FBP policy.
Any inappropriate claim for reimbursement made by the employees may result in disciplinary action on
the employees and the employees are required to compensate the company for any actions / claims
from Income Tax department.
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Table of Contents
Flexible Benefit Plan ................................................................................................................4
Salient Features of FBP .......................................................................................................................... 4
FBP Amount ............................................................................................................................................ 5
FBP working mechanism ....................................................................................................................... 6
Coverage and Eligibility ...........................................................................................................7
Definition of Benefits Structure ...............................................................................................7
FBP Components .....................................................................................................................9
House Rent Allowance (HRA) ................................................................................................................ 9
Taxability on HRA .................................................................................................................................. 9
Claim process and policy details ......................................................................................................... 10
Documentary Requirements................................................................................................................ 11
Leave Travel Allowance (LTA) ............................................................................................................. 12
Coverage ............................................................................................................................................. 12
Limit ..................................................................................................................................................... 12
Food Reimbursement ........................................................................................................................... 17
Coverage ............................................................................................................................................. 17
Limit ..................................................................................................................................................... 17
Food Card - Bank Contact point .......................................................................................................... 22
Superannuation Fund Contribution .................................................................................................... 23
Coverage ............................................................................................................................................. 23
Limit ..................................................................................................................................................... 23
Taxability ............................................................................................................................................. 23
Process and policy details ................................................................................................................... 23
Superannuation Transfer/Closure ....................................................................................................... 29
National Pension System (NPS ........................................................................................................... 29
Coverage ............................................................................................................................................. 29
Limit ..................................................................................................................................................... 29
Taxability ............................................................................................................................................. 29
Eligibility............................................................................................................................................... 29
ICICI POC details ................................................................................................................................ 30
Mobile Reimbursement......................................................................................................................... 31
Coverage ............................................................................................................................................. 31
Limit ..................................................................................................................................................... 31
Taxability ............................................................................................................................................. 31
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Credit Card ............................................................................................................................................. 32
Process of Mapping Credit Card ......................................................................................................... 32
Credit Card Transactions Confirmation ............................................................................................... 36
Credit Card - Bank Contact point ........................................................................................................ 38
Car Running Expenses ......................................................................................................................... 39
Coverage ............................................................................................................................................. 39
Limit ..................................................................................................................................................... 40
Taxability ............................................................................................................................................. 40
Car ownership Details ......................................................................................................................... 44
Points to remember for FBP benefit. .................................................................................................. 44
Reimbursement dates ........................................................................................................................... 45
Only for Policy Related Clarifications ................................................................................................. 45
Salary / Reimbursement Credit/ Tax Related Queries / Approval of FBP bills / Credit card
transactions confirmation .................................................................................................................... 46
Proof of Car Ownership – Submission and Approval ....................................................................... 46
Finance Point of Contacts for Claims Submission............................................................................ 47
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Controlled Copy Flexible Benefit Plan
Flexible Benefit Plan

Flexible Benefit Plan (FBP) allows associates to structure their benefits to suit their individual needs. W ith FBP,
associates can choose from a bouquet of components that comprise their benefits structure. A desired value can
be assigned to each benefit component chosen. The assignable value is subject to allowed limits as per FBP
policy. The components can be redefined any number of times within the window period, every month.
This document introduces you to the salient features of the plan, provides detailed information on each of
FBP’s components, and summarizes important dates for quick reference.
Salient Features of FBP

 Bouquet of allowances
 Provides associates the opportunity to choose from a range of components depending

on their requirement
 Enables tax savings for the associates
 Selection of Components
 Associates can select any combination of components
 Option to redefine
 Associates can define their components between the 5th and 24th of every month
 Definitions can be made for current and future months only
 Level based entitlements
 Entitlements vary with each level (grade)
 Criteria per elected benefit
 Each component has a minimum and maximum criterion
 Optimize earning structure
 Associates can optimize their earnings through a suitable choice of components
 Portion of salary allocated for FBP – FBP Amount
 Associates can only use the amount allocated for FBP to define their set of components
C3: Protected Last Updated on 16/07/2018 Page | 4

FBP Amount
The amount available for definition under FBP is dependent on the grade / level of the associate.
Associates can only use the amount allocated for FBP to define their components. The balance
available after allocating for any or all of the given FBP components will be paid as Special allowance.
Up to Associate Level
Senior Associate and Manager Levels

Senior Manager and Above Levels
 Fixed components
 The following are fixed components and cannot be used in FBP:
 Basic
 Provident Fund
 Night shift Allowance
 Employee State Insurance (ESI)
 Contribution Pay
 Special Bonus
Night shift allowance, Employee State Insurance, Contribution Pay and Special Bonus are
applicable only to a select set of associates.
All reimbursable components do not form part of salary and would be paid out as per
reimbursement cycles.
FBP working mechanism

FBP earnings definition in MyPay works like a calculator with Special allowance as the adjusting factor. Upon
declaration/re-declaration of any FBP definitions, the amount so defined is deducted from the associate’s
special allowance and accrued under the respective FBP Component in the reimbursement slip available in
https://mypay.cognizant.com MyStatements  Reimbursement slip. Therefore, the FBP
components (except HRA) are not a part of the associate’s Pay slip. The Pay slip components (HRA, Special
allowance etc.) are a reflection of the associate’s FBP earnings definition and not a reflection of

the associate’s offer letter/E-letter. Associates have to claim the deducted amount under FBP as mentioned
in the reimbursement slip by following the procedure for claim under each FBP Component mentioned in this
document.
Coverage and Eligibility

All associates tagged to IT services (India) and BPO services (India) including erstwhile VSI, Kbace , TZS and
TRI associates are eligible for FBP. Refer the benefits eligibility table to know about the grade based availability
of the components.
Component Up to A Level SA and M SM and Above
1. House Rent Allowance (HRA) Yes Yes Yes
2. Food Reimbursement Yes Yes Yes
3. Mobile Reimbursement Yes Yes No
4. Leave Travel Allowance (LTA) Yes Yes Yes
5. Car Running Expenses No Yes Yes
6. National Pension Scheme Yes Yes Yes
7. Superannuation Yes Yes Yes
Definition of Benefits Structure

 Step 1: Login to https://mypay.cognizant.com

 Step 2: Click the MyDefinition
 Step 3: Define the desired components and click the Submit button

 Things to Remember
 Allocation/ Reallocation of the components for the Flexible Benefit Plan can be made only
between 5th and 24th of every month
If 5th falls on a weekend or holiday, the system would be available from the next
working day
 If 24th falls on a weekend or holiday, the system would be available till the previous working
day. Exceptions to this, if any, would depend on the salary payout day for a particular month
 All FBP components are available for redefinition on a monthly basis

 Definitions can be made only for the current and future months
 Defined amount is accrued based on the actual number of days the associate works in the
India Payroll (Proration would be done wherever applicable)
 Definition available on the cut-off date would be taken for payroll processing
 Associates are required to review the changes to the definition whenever there is a change
in location, personal details, travel, compensation and inter-company transfers
FBP Components
The flexible benefits plan would consist of the following components which can be chosen by associates
based on their eligibility.
House Rent Allowance (HRA)

House Rent Allowance is an allowance extended to the employee towards monthly payment for a rented
accommodation.
Coverage: Associates at all levels
Limit: Ranges from 0 to 60% of the basic salary
Taxability on HRA
In accordance to the Income Tax Act, the amount exempted from the taxable income would be the least of the
following:
 Amount equal to 50% of basic salary, for persons staying in Mumbai, Chennai, Kolkata or
Delhi and 40%, for others
 The actual amount of house rent allowance received
 The amount of rent actually paid in excess of 10% of basic salary (which is amount of rent
actually paid minus 10% of basic salary)
Only the amount paid towards rent is eligible for exemption. Amount paid towards maintenance charges,
electricity bill and food in case of paying guest accommodation are not eligible for exemption.

Claim process and policy details:
 Step 1: Click the HRA link under the MyInvestments tab

 Step 2: Fill in the ‘Rent paid details’ and ‘Monthly rent paid’ information and click the Save &
Submit button. (Approval status can be viewed by clicking the Approval Status button after the Finance
Team validates your submission)

 Step 3: Upload relevant documents through Upload option available
*Please ensure that you click the Submit button failing which the details and the documents uploaded
by you will not flow to the approval queue
 Step 4: For further details regarding the required documents click on My Forms
Documentary Requirements:
 If the monthly HRA defined under MyPay > MyDefinitions is less than or equal to INR 3,000, there
is no need to submit any documents for the rent paid. It is enough if rent values are updated and
submitted in MyPay > MyInvestments.
 If the monthly HRA is in the range of Rs.3000/- to Rs.8,333/- and the rent also belongs to the
same range specified here, then the documents required are:
 Copy of Lease Agreement
 Original Rent Receipt
 In the absence of Lease Agreement/Rent Receipt, bank statement containing the
rent payment via EFT/Cheque needs to be provided
 If the monthly HRA is higher than Rs.8,333/- and the rent is lower than Rs.8,333/- then the
documents required are as per the point mentioned above
 If the monthly HRA is higher than Rs.8,333/- and the rent also is higher than Rs.8,333/- then the
documents required are:
 Copy of Lease Agreement
 Original Rent Receipt
 In the absence of Lease Agreement/Rent Receipt, bank statement containing the
rent payment via EFT/Cheque needs to be provided
 PAN Number of the Landlord
 In Case the Landlord does not have PAN Number, then, No PAN Declaration from
the landlord

 Proof of ownership from the landlord for the house that is being rented out
( Electricity Consumption Card, Municipal Tax/Property Tax Receipt etc.,)
 In Case of Hostel/Paying Guest Accommodation, rent receipt in the Hostel’s
printed letterhead or pre-printed receipt book is required. PG’s accommodation
PAN number is mandatory. Only accommodation expenses are considered
and not the food/maintenance charges
Leave Travel Allowance (LTA)

Leave Travel Allowance provides for reimbursing the Associates for their domestic travel thereby enabling them
to avail income tax exemptions. The amount reimbursed is subject to pre-defined limits and conditions. Travel
outside India is not eligible for claiming LTA benefit.
Limit: LTA limit has been increased to Rs 1,00,000/- across all levels with effect from 1st January 2017.
Component Associate at all levels

Eligibility (Per Annum) 1,00,000/-
 Associates should declare the desired LTA amount in the MyDefinitions tab in
https://mypay.cognizant.com
 Associates should submit the LTA reimbursement claim in MyPay.
 Step 1:Login to https://mypay.cognizant.com
 Step 2: Click on MyUpdates tab and Leave Travel Allowance

 Step 3: Select Claim type
 Step 4 : For claiming LTA as a non-taxable component, select the claim type as Non-Taxable
and update the leave period and upload vacation leave screen print from HCM.

 Step 5 : Fill in the travel date, destination details, amount spent, travel type and number of
proofs attached for each travel as shown below. Add additional rows to as required to update the
travel details.


 Step 6: Update the person travelled details under “Details of persons travelled” and click on
the “Submit” button at the end of the page to complete the process. Print the Summary sheet and
submit along with the hard copy of the original documents

 Step 7: Mandatory Documents to be sent by internal courier to respective location POCs. Please refer
the able “Point of Contact for claims submission”. Claims need to be supported by proper documents as
stated below:
 Original bills of travel
 By Air: Original air tickets and boarding passes
 By Rail: Original train tickets or Print-out of E-Ticket
 By Road: Original bus tickets, if the travel is by bus
 By Sea : Original ship tickets and boarding passes


 Payment receipt and trip sheet for rented cab; Toll tax paid and petrol bills for own
cab. Maximum limit of First AC Train fare for the farthest point of travel from the
source to the destination would be considered for arriving at the kilometers travelled
 LTA Cover Page duly signed by the associate.


 Associates accumulate a monthly amount as per their definition for LTA under FBP
The amount defined under LTA accumulates on a monthly basis and associates have flexibility of
changing this definition every month. For example-If you declare 30,000/- in FBP definition system, you
will accumulate 30,000/12 i.e. 2,500/- per month
In case the value of the bills submitted in Non-taxable claim is higher than the amount accumulated
as of that date, the reimbursement will be made to the extent of the amount accumulated as of that date
and the balance will be paid on a monthly basis as and when the accumulation occurs within the current
block (current block period starts from 1st January 2018 and ends by 31st December 2021)
 Only bills pertaining to travel from the location of employment to the destination would be
considered. Accommodation, recreation and sightseeing expenses cannot be claimed as part of LTA.
Bills for the associate and the associate’s family pertaining to a travel to any place in India can be
claimed. Family includes spouse, children, parents, brothers and sisters wholly dependent on the
associate.
The associate must have accompanied the dependent(s) during the travel / vacation to claim for the
dependents’ travel.
A minimum of three continuous days of vacation leave is mandatory (vacation leave does
not include weekends and national holidays) effective 1st January 2018. Personal leave or other leaves
availed will not be considered for LTA claim. The leave records should be updated with vacation leave for
the period on the leave system. It is applicable for all travels happening from January 2018.
 Bills can be submitted any time during the block period.
Local conveyance (i.e. Residence to Airport and Airport to hotel and vice versa) cannot be
Considered

Claims would be reimbursed as a part of the reimbursement cycle. Please refer to the table on
“Reimbursement Dates” for further details
LTA can be claimed twice in a block of four years. i.e. two journeys can be performed in a block (current
block period starts from 1st January 2018 and ends by 31st December 2021). Accumulation can also be
carried forward to the next year within the block of four years. However, associates can claim only one travel
in a calendar year.
LTA can be claimed as non-taxable income only twice in a block of four years. After the associate
has claimed it as non-taxable income twice, the LTA component will be frozen for further definition under
the MyDefinitions page in MyPay.
 Any unspent accumulation after the first non-taxable claim will be carried forward to the subsequent
trip during the same block. However, if the associate wishes to claim it as taxable claim instead of
carrying it forward, he/she can do so through MyPay as per the process mentioned above
The associate can avail LTA only when he or she is in India Payroll and not after moving into any
onsite payroll
Step 8 : For claiming LTA as taxable component, select the claim type as Taxable, fill in the amount
you wish to claim as taxable claim and click on “Submit” button at the bottom of the page
 Step 9 : The mandatory requirement of 3 days of vacation leave is not applicable for claiming LTA
as a Taxable Allowance and also no document is required for submission. The entire eligibility
amount can be claimed as a taxable allowance or you can also claim a portion of LTA as taxable and
the remaining as non-taxable.

 LTA can be claimed as taxable income anytime during the block of four years. The maximum number
of taxable claims permitted is three times in a block of four years. After claiming LTA as taxable for three
times in a block of four years, the LTA component will be frozen for further definition under the
MyDefinitions page in MyPay.

Food Reimbursement
Food Reimbursement aims at providing an allowance for food items that an associate may require at the
Office premises. Food allowance would be provided through a “Food Card”.
Coverage: Associates at all levels.
Limit: Up to a maximum of Rs.3000 per month
Associate must apply for a Food card and need to update the Food Card number and declare the definition amount
under the My Definitions tab in https://mypay.cognizant.com.
 Associates are required to procure Food Card from HDFC Bank / Axis Bank through MyPay under
MyUpdates > Personal Information > Food Card Details > Apply New Card (Select HDFC/Axis).
HDFC Food Card:
Associates can procure a HDFC Food Card by following the process mentioned below:
 Step 1: Furnish all necessary details and click “Submit” button

 Step 2 : Associate need to update the food card details soon after receiving the same under MyPay >
MyUpdates > Personal Information > Food Card Details
 Step 3 : Update the Bank name and Food Card number under the Food Card Details and click the
Submit button. Now, associate will be able to define the Food card reimbursement amount.

 Step 4 : Upon clicking submit you will be asked for the confirmation on the availability of the existing
card details if any. Please confirm accordingly so that the details are updated in MyPay
Axis Food Card :
Associates can procure an Axis Food Card by following the process mentioned below:
 Step 1: Select Meal card option and click on Apply now
 Step 2: Fill in all the required details and click on the Submit button.

 Step 3 : Associate need to update the food card details soon after receiving the same under MyPay >
MyUpdates > Personal Information > Food Card Details
 Step 4 : Update the Bank name and Food Card number under the Food Card Details and click the
Submit button. Now, associate will be able to define the Food card reimbursement amount.
 Step 5 : Upon clicking submit you will be asked for the confirmation on the availability of the existing card
details if any. Please confirm accordingly so that the details are updated in MyPay





 The card would be delivered within 2 to 3 weeks from the time of furnishing the details
 The amount will be credited as reimbursement to the Food Card at the end of every month
 In case the amount defined under Food reimbursements could not be loaded into your food card due to
reasons like
 Invalid card number entered in MyPay

 Food card hot listed by associate due to loss or damage
 Food card expired due to validity
 Food card balance likely to exceed or exceeds Rs.10,000/- for cases Non KYC (where the bank does
not have the KYC of the associate on record)and Rs.50,000/- if KYC provided (where the bank has the
KYC updated in its records)
 Any reversal due to Loss of Pay, travel days pertaining to earlier months, as per inputs given by HR
 If an associate falls under any of the above category then the monthly definition against food card would
be removed, would get added to Special Allowance and will be paid after tax deduction as applicable.
 Upon rectification of the above mentioned issues, the Associate has to re-define the Food
reimbursement amount by logging into https://mypay.cognizant.com else, the amount in the MyDefinitons
page will remain as zero.
Any card updated post cutoff (24th of every month) will be considered for subsequent month loading.
 The reimbursement would be proportionate to the number of days worked in India
 According to Governmental regulations, the Food Card can be used only to buy ready-to-eat cooked food
and the card cannot be used to purchase items for more than Rs. 100 per day
 Amount once credited by Cognizant into the food card based on associate definition cannot be
reversed or credited into the salary account
 The food card shall be used by the associates only for the reimbursement of food items at outlets
specified by the bank
 In the event of changing the food card/switching over from one bank to the other during the month, the card
loading will be done to the current card for which the details have been updated by the associate in MyPay.
 The maximum amount that can be maintained in the Food Card is (According to RBI Regulations):
1. Rs.50,000/- for Associates
a. Holding any account in HDFC (is an existing customer of the bank)
b. Not holding any account in HDFC (not being an existing customer), but have provided
their KYC details to the bank for this Food Card purpose
2. Rs. 10,000/- for Associates not holding accounts in HDFC/Axis Bank and have also not submitted
their KYC details to the bank as required for this Food Card purpose
HDFC Bank KYC Procedure
HDFC account holders - HDFC Account holders need to share their Customer Id or Account number for
KYC updation.

Non HDFC Account Holders - Self-attested any one of the following documents (Photocopy) by
mentioning the Card number, Employee ID and send it to the below mentioned address.
 Passport
 Aadhar Card
 Election / Voter ID Card
 Valid Driving License
KYC document Despatch address:
M Prem Kumar
Regional Service Manager - Commercial & Prepaid Cards
HDFC BANK LTD, 2nd Floor
No 56, MD Towers
Jawaharlal Nehru Road
100 Feet Road, Vadapalani, Chennai – 600026.
* Upon receipt of the KYC document HDFC will Map the KYC document to associate Food card and the
limit will get increased to Rs 50000 INR within 10*Working days.
AXIS Bank KYC Procedure
The associate need to submit the KYC documents while applying for food card.
Food Card - Bank Contact point

HDFC Bank
Any queries related to HDFC prepaid food card, please write to Foodcardsupport.cts@hdfcbank.com . TAT
for reply is one working day, i.e. Mails received on Day "0" will be replied by Day "1" EOD.
Please follow the escalation matrix, in case you did not receive a response within specified TAT.
Escalation Matrix
In case of no response, you may escalate to the following IDs with the relevant query id (the query id
will be useful to track and trace the query faster)
Escalation 1 - DAY 2 : Premkumar.M@hdfcbank.com

Escalation 2 - DAY 3 : Srinivasan.Annamalai@hdfcbank.com
Escalation 3 - DAY 4 : Rohit.Khemani@hdfcbank.com
Associates need to contact HDFC phone banking (your local std code- 61606161 option 1, 3) for:
1. I-Pin Generation
2. Loss of HDFC Food card and application for a new card
Axis Bank
Escalation leavel Name email id
Level 1 M.Ramaguruparan M.Ramaguruparan@axisbank.com
Level 2 R Balakumaran Balakumaran1.R@axisbank.com
Level 3 G Subramanian G.Subramanian@axisbank.com

Superannuation Fund Contribution

Superannuation Fund is a retirement benefit provided to employees. The amount defined by the
associates under FBP will be deducted from their monthly salaries and contributed towards
superannuation fund under the Group Superannuation Scheme administered by LIC. There would be no
contribution from the company towards the same.
Limit: Minimum contribution of Rs. 500 per month and subject to a ceiling of 15% of basic salary or Rs.
150,000 per annum, whichever is lesser.
Taxability: The contribution made to the fund is totally exempt from income tax.
Process and policy details:

 Associates can define the contribution amount under MyDefinitions tab in
https://mypay.cognizant.com , subject to the limits as mentioned above
 Once the associate opts for the benefit with the required amount, the same is recovered from the
associate’s monthly salary and deposited to the superannuation fund on behalf of the associate
 Associates who opt for this benefit cannot discontinue from the scheme till he or she is employed
with Cognizant
 The contributions would be maintained by L.I.C of India and the interest rate is decided by L.I.C
 Associates cannot withdraw any amount from the fund during their tenure in Cognizant
 On separation, the associate can transfer the fund to the Superannuation fund maintained by his /
her future employer or request the amount to be paid back in the form of monthly pension. In
order to receive the superannuation fund contributions as monthly pension, the Associate need to
request for the same through form for Employees Group Superannuation Scheme (Form available
under the Forms link at https://mypay.cognizant.com. Please contact HR Shared Services - Benefits
Team by writing an e-mail to ExithelpdeskIndia@cognizant.com for assistance in the claim process at
time of separation.
 For new joinees, transfer-in of superannuation fund should be initiated by the associate through
their previous employer and the associate needs to request for the same by submitting Form
A to his / her previous employer. (Form A available under the Forms link at
https://mypay.cognizant.com
 Associates may change the definition of the superannuation fund on a monthly basis, but the
contributions must be within the monetary limits of Rs.500 to Rs.150000. However the
contribution cannot exceed 15% of the basic.
 The contributions made towards superannuation fund for the current Financial Year can be
viewed at https://mypay.cognizant.com in the Superannuation Slip page under MyStatements


 Associates can track the amount available in the superannuation fund by registering
themselves at the website of L.I.C India (www.licindia.com) using their LIC ID(Available in the
Superannuation Slip under My Statements at https://mypay.cognizant.com
 In case of any queries pertaining to Superannuation, please contact the GSD helpdesk by
raising a ticket at https://gsd.cognizant.com Human Resources  India Payroll
Category* Type* Item*
FBP /Reimbursements Superannuation Fund Policy Related
FBP /Reimbursements Superannuation Fund Superannuation closure
FBP /Reimbursements Superannuation Fund Superannuation transfer
Please refer to the Step by step Login Procedure provided by LIC for tracking your
Superannuation Fund.
Log on to LIC Home page using URL www.licindia.in

Select the New User Creation Tab as shown below
Enter the policy

number that has
been displayed in
MyPay >
MyStatements Select member from
>Superannuation the option
Slip
Click on
Proceed

Enter LIC id that has

been displayed in
MyPay >
MyStatements
Enter Date of Birth
Click on
Proceed
Create your own

User ID and
Password
Click on
Submit

Click Group Scheme

Details
Click Policy No

Click Contribution
History for previous 2
years detail.

Superannuation Transfer/Closure
 https://gsd.cognizant.com Finance India Payroll
FBP /Reimbursements Superannuation Fund Superannuation closure

FBP /Reimbursements Superannuation Fund Superannuation transfer

 E-mail : ExithelpdeskIndia@cognizant.com
National Pension System (NPS)

National Pension System or New Pension System (NPS) is a scheme introduced originally in 2003 by the
Government of India to enable individuals to save for their retirement, and was extended in 2009 to cover
employees of private sector as well. Effective April 1st, 2011, the Government has exempted from Income tax
the contribution through the employer. The scheme is administered and controlled by the Pension Fund
Regulatory & Development Authority –PFRDA (www.pfrda.org.in)
In NPS, a subscriber contributes every year till retirement and the contribution is invested as per the
Investment pattern selected by the subscriber. On retirement, part of the investment corpus (Pension
Wealth) accumulated is paid in lump sum while the remaining goes in purchasing a life annuity which
will ensure stable monthly income to the subscriber till death. Subscriptions to NPS are towards Retirement
contribution. You are required to properly assess your requirements for retirement before enrolling for the
scheme. Tax savings should not be the only criteria for enrolling into retirement schemes.
Limit: Minimum of Rs.500 and a maximum of 10% basic per month
Taxability: The contribution made to the fund is totally exempt from income tax
Eligibility: Any Associate on India Payroll can invest in this scheme. The Associate should also complete
the regular KYC (Know your customer) formalities before opening the account
Claim process and policy details
 Contact ICICI bank and complete the documentation formalities.
 Open the PRAN account as required and update the PRAN details under MyUpdates in
https://MyPay.Cognizant.com
 If you are already holding PRAN a/c with Points of presence other than ICICI Bank, submit the
Change of POP form to the ICICI bank
 Associates to declare the desired NPS Contribution amount after obtaining the PRAN a/c. This can be
done through FBP definition, available on https://MyPay.Cognizant.com. Please note that you will
not be able to define NPS in FBP until you have updated your PRAN details in MyPay.

 You have an option of setting up your NPS Contribution by reallocating the amounts that are currently
available under the FBP scheme – like Car Running, Special allowance etc.
 The amount so allocated will be fully tax exempt. You can allocate a minimum of Rs.500 subject
to a maximum of 10% of your basic salary.
 After the monthly payroll process, Cognizant will deposit the contribution amount to the POP who
will in turn credit it to the Fund Manager of your choice. The details of amount deposited will be made
available on the MyPay portal immediately. The details can also be viewed in the NSDL portal after 3
weeks of deposit ( Please note that the timelines for viewing in NSDL site is indicative only and may
depend upon the actions taken by NSDL)
 The current NPS Scheme proposal is based on the prevailing tax laws. Any changes to the
Scheme by the government from time to time will be applicable
ICICI POC details - Please Contact the below ICICI POC’s for your location pertaining to NPS
Location Name Mobile Number Email ID

Chennai Lalith Kumar '919790926577 lalith.s@icicibank.com
Bangalore Ranjith '918095595699 ranjithkumar.pola@icicibank.com
Coimbatore Chelladurai '919677222564 chelladurai.c@icicibank.com
Cochin Sanil S '918589976823 sanil.s@icicibank.com
Hyderabad Apurva '919704311933 apurva.yadav@icicibank.com
Pune Meenakshi Jaini '918554986342 meenakshi.j@icicibank.com
Kolkata Chandan Kumar '918584010950 chandan.kumar@icicibank.com
Om Prakash
Mumbai '917506444173 singh.omprakash@icicibank.com
Singh
Gurgaon Rajani Jha '919650748777 rajani.jha@icicibank.com
Mangalore Sachin B '919686747225 b.sachin@icicibank.com
Delhi NCR Yatish Kumar '919205488958 yatish.kumar@icicibank.com
Location Escalation Level 1 Email ID

Chennai Sudarsan Ts sudarsan.ts@icicibank.com
Bangalore Chengappa KS chengappa.ks@icicibank.com
Coimbatore Anil Kumar K k.anilkumar@icicibank.com
Cochin Vinod Kumar vinod.ku@icicibank.com
Hyderabad Venkat venkat.manohar@icicibank.com
Pune Hardeep Walia hardeep.walia@icicibank.com
Kolkata Imran Ahmed imran.ahmed@icicibank.com
Mumbai Mahesh Deshpande mahesh.deshpande@icicibank.com
Gurgaon Saurabha Srivastava saurabha.srivastava@icicibank.com
Mangalore Anand Shimpi anand.shimpi@icicibank.com
Delhi NCR Deepak Bharadwaj deepak.bhardwaj@icicibank.com


Chennai Shekar Balasubramanian shekar.balasubramanian@icicibank.com
Bangalore Shilpa L shilpa.l@icicibank.com
Coimbatore Shekar Balasubramanian shekar.balasubramanian@icicibank.com
Cochin Rajish K rajish.kalapurayil@icicibank.com
Hyderabad Vineet Balhotra vineet.balhotra@icicibank.com
Pune Bonny Thomas bonny.thomas@icicibank.com
Kolkata Sujan Mitra gargi.basusarkar@icicibank.com
Mumbai Yateen Kahate yateen.kahate@icicibank.com
Gurgaon Ankur ankur.s@icicibank.com
Mangalore Sailesh sailesh.k@icicibank.com
Delhi NCR Akash Mathur akash.mathur@icicibank.com
Mobile Reimbursement
Mobile Reimbursement aims at reimbursing the associates for mobile usage for official purposes.
Coverage: Up to M (Manager) grade only
Limit:
Component Up to A Level SA and M
Eligibility (Per Annum) 500 1000
Taxability: Claims up to the eligible amount are exempted from taxable income

 Associate must define the amount under MyDefinitions in https://MyPay.Cognizant.com
 Associates should follow the below steps for claiming their Mobile Reimbursements
 Step 1: Procure an ICICI / HDFC/ Axis credit card and use it to pay mobile phone bills, Fuel
and Maintenance bills. Associates who already possess an ICICI / HDFC/ AXIS credit card may use
the same for payment of the above mentioned bills
 Step 2: On receipt of the card associates have to:
 Provide consent to the bank for sharing the reimbursable spend details with
Cognizant (Please refer the Card Mapping Process given below)
 Update the credit card number in Mypay.- MyUpdate – Personal information
 Step 3: Bank would share the information on the reimbursable spends which would loaded in
Mypay. Bank will be sharing the data based on the posting date and not on transaction date.
 Step 4: Confirm the spends on mobile bill as “Official”, “Personal” or “Next Month” in order mark
your expenses as claimed, not claimed or carried forward respectively. Please note that
reimbursements would not be effected if the transactions are not confirmed as Official by
the Associates (Please refer below “Credit Card Transaction Confirmation Process”)

Credit Card
 Associates who currently do not possess a credit card for FBP reimbursement purposes can procure
an HDFC / ICICI / Axis Bank Credit Card
 Associates who wish to use an existing ICICI / HDFC / Axis credit card or would like to procure one
for the purpose of FBP reimbursement can follow the normal process of procuring a personal credit
card with these banks. Once the card is delivered, associates need to provide a letter of consent (in
the format mentioned below) to the Bank for sharing the details of reimbursable spends with
Cognizant. This process is referred to as the process of “mapping the credit card” for reimbursement
purposes
 In the event of getting a new card owing to reasons like expiry/card loss, the associate has to do the
credit card mapping procedure once again in myPay to avail the benefit
Process of Mapping Credit Card
HDFC Bank
Application/Procedure for mapping HDFC credit card to Cognizant can be done online by following the
process mentioned below:
 Step 1:Logon to
https://leads.hdfcbank.com/applications/webforms/apply/cognizant_cc.asp
 Step 2: Click the Yes button if you already possess an HDFC Bank credit card;
Furnish the necessary details and click the Submit button to map your existing credit
card. Once the card gets mapped, HDFC Bank will share your reimbursable credit
card spends to Cognizant for an upload in MyPay.
 Step 3: Click the No button (for the first question) if you want to procure a new card
and click the Yes button (for the second question) if you have your salary account with HDFC
Bank. Follow the instructions provided in the webpage to make an application for a new
HDFC Bank credit card within 3 business weeks.

Axis Bank
 Axis Bank credit card can be applied online by using the link mentioned below:
https://creditcards.axisbank.com/credit-card.html?WT.mc_id=HmePage_apply
 Upon completion of the application procedure, the credit card will be delivered by the bank to your
work location in 3 business weeks
ICICI Bank
The associate has to send a mail (format given below) to customer care for mapping their cards under
COG promo code.
The mail has to be sent from their registered mail id to gajanan.chaugule@ext.icicibank.com

with a cc to customer.care@icicibank.com and Sudarsan.ts@icicibank.com
Mail Format:
----------------------------------------------------------------------------------------------------------------------------- ------------
*Subject:* Cognizant Technology Solutions
Hi,
ICICI Bank Credit Card No.:
I *Name of Associate*, employee of Cognizant Technology Solutions employee number *xxxxx* am

holding the captioned credit card issued by ICICI Bank Limited. I have no objection in you sharing
the details of spends made on the captioned credit card with Cognizant Technology Solutions.
Regards
(Associate Name)
HDFC Bank
Step1: The Credit Card details have to be updated soon after receiving the card from the bank. Click
the Personal Information link under the MyUpdates tab in https://mypay.cognizant.com



 Step 2: Furnish the necessary details and click the Submit button. The spends will now be available
for your confirmation in MyPay for reimbursement
 Step 3: Upon clicking submit you will be asked for the confirmation on the availability of the existing
card details if any. Please confirm accordingly so that the details are updated in MyPay
Axis Bank
 Step 1: Associate shall send an e-mail to Cognizant@axisbank.com to place the request
 Step 2: Request by the associate has to be placed from their Cognizant e-mail ID and mention their
Axis Bank Customer ID with Credit Card details and full name in the e-mail request. Format of the mail is
given below:

Dear Sir/ Madam,
Ref. Axis Bank Customer ID: xxxxxxxxx

Last 4 Digits of Axis Bank Credit Card No.: xxxx
I, *Name of Associate*, employee of Cognizant Technology Solutions, employee number

*xxxxx*, am holding the captioned credit card issued by Axis Bank Limited.
I hereby authorize you, for sharing the details of the amount spent on the captioned credit
card, with Cognizant Technology Solutions (CTS), to enable me to get reimbursement of
the amount of expenses from CTS.
Regards,
(Name of the Associate)
 Step 3: The Credit Card details have to be updated soon after receiving the card from the bank.
Click the Personal Information link under MyUpdates tab in https://mypay.cognizant.com

Step 4: Furnish the necessary details and click the Submit button. The spends will now be
available for your confirmation in Mypay for reimbursement

Step 5: Upon clicking submit you will be asked for the confirmation on the availability of the
existing card details if any. Please confirm accordingly so that the details are updated in MyPay
 The validation of credit card details and its inclusion in the MIS database is usually done
within 2-3 business days. An acknowledgement will be sent to the associate once the said
credit card is included in the master data for MIS from the next cycle

 In case of a failure in validation, an e-mail would be sent to the associate detailing the
reason for rejection.

 Data for the spends would be shared for the previous calendar month by the 5th of every
month. Cut-off date for inclusion of new card numbers to the database would be 25th of every
month, post which it would be included in the next month’s MIS.

 All regular credit card queries can be addressed by the customer service desk of the bank
at 1800 209 5577 or 1800 103 5577. E-mail support will be available by writing to
Creditcards@axisbank.com
Important Note- Credit Card:
In the event of changing the credit card/switching over from one bank to the other during
themonth, the transactions from the previous card will not be shared by the banker. Only
transactions pertaining to the current card will be considered and shared with us for further
processing.
The bank will start sharing the transaction details only after the card mapping process is
completed. Transactions prior to card mapping date will not be shared by the bank.
Credit Card Transactions Confirmation
Associates need to procure a credit card, get it mapped and update the credit card information at
https://mypay.cognizant.combefore proceeding to this step (Refer FBP Cards section for assistance
on procuring, mapping and updating credit card details).

 Please note that all reimbursable expenses will be credited into the salary account of the
associate and no payment will be directly made by Cognizant towards the credit bills.
 Associates need to confirm specific credit card expenses which are reimbursable in
accordance with the FBP policy for the Payroll Team to credit the same.
 After completing the pre-requisite steps associates can follow the process mentioned below to
confirm their credit card transactions.
 Step 1: Click the Credit Card Transaction Confirmation link under the MyUpdates tab
 Step 2: Mark as Official or Personal or Move to Next Month against each of the specific
expense to be claimed and click on Submit






 Associates are responsible for paying their credit card dues, Cognizant will credit
reimbursements only to the salary accounts specified by the Associates.
 The credit card has to be in the name of the associate
 If the claimed amount is less than the amount defined, the excess would be carried forward to
the next month.
 Expenses swiped will be paid only to the extent of accumulations and cannot be carried
forward partially to next month.

 Reimbursement will be provided only in respect of one mobile connection, which should be a
“Post Paid” connection registered in the name of Associate.
 Claims would be reimbursed as a part of the reimbursement cycle. Please refer to the table on
“Reimbursement Dates” for further details.
Credit Card - Bank Contact point
HDFC Bank
Level of contact Location Name email id
1st Level For All Locations Priya Sinha priya.sinha@hdfcbank.com
2nd Level For All Locations Srinivasan Ramamurthi Srinivasan.Ramamurthi@hdfcbank.com
Axis Bank
Corporate Salary Manager (CSM) - 1st Level Point of Contact

Location Name Mobile E Mail ID
Bangalore Nitesh Pandey 9902706293 Nitesh.Pandey@axisbank.com
Mysore Vasudev Nayak 9845677996 Vasudev.Nayak@axisbank.com
Chennai Balakumaran R 9176450830 balakumaran1.r@axisbank.com
Coimbatore Thirunavukarasu S 8098607993 thirunavukarasu.s@axisbank.com
Delhi Navraj Parihar 9953928062 navraj.parihar@axisbank.com
Mangalore Pradeepa Patel 9902808833 Pradeepa.Patel@axisbank.com
Hyderabad Dandapani Sahu 9000553439 Dandapani.Sahu@axisbank.com
Cochin Sajith Chandran 9387825221 Sajith.Chandran@axisbank.com
Kolkata Ashiquer Rahman 9831140263 Ashiquer.Rahman@axisbank.com
Mumbai Jayprakash Yadav 8097044445 jayprakash.yadav@axisbank.com
Pune Amit Khaitan 9051031555 Amit.Khaitan@axisbank.com
Circle Salary Head - 2nd Level Point of Contact

Location Name Mobile E Mail ID
Bangalore Kailash Gupta 9620189786 Kailash.Gupta@axisbank.com
Mysore Vishwanath Khandi 9611978879 Vishwanth.Khandi@axisbank.com
Chennai G Subramanian 9176664571 G.Subramanian@axisbank.com
Coimbatore P Kalaivani 9500135100 P Kalaivani@axisbank.com
Delhi Karan basrao 9810799331 Karan.Basrao@axisbank.com
Mangalore Kiran N 9980516718 Kiran.n@axisbank.com
Hyderabad Venkat Ram Reddy 9966401220 Venkat.Reddy@axisbank.com
Cochin Vinesh A R 9446493988 Vinesh.R@axisbank.com
Kolkata Ovisek Dasgupta 8335827711 Ovisek.Dasgupta@axisbank.com
Mumbai Nehal Amit Divatia 9819829811 Nehal.Divatia@axisbank.com
Pune Vikas Gupta 9921428089 VikashN.gupta@axisbank.com

ICICI Bank
Location Name Mobile Number Email ID
Chennai Lalith Kumar '919790926577 lalith.s@icicibank.com
Bangalore Ranjith '918095595699 ranjithkumar.pola@icicibank.com
Coimbatore Chelladurai '919677222564 chelladurai.c@icicibank.com
Cochin Sanil S '918589976823 sanil.s@icicibank.com
Hyderabad Apurva '919704311933 apurva.yadav@icicibank.com
Pune Meenakshi Jaini '918554986342 meenakshi.j@icicibank.com
Kolkata Chandan Kumar '918584010950 chandan.kumar@icicibank.com
Mumbai Om Prakash Singh '917506444173 singh.omprakash@icicibank.com
Gurgaon Rajani Jha '919650748777 rajani.jha@icicibank.com
Mangalore Sachin B '919686747225 b.sachin@icicibank.com
Delhi NCR Yatish Kumar '919205488958 yatish.kumar@icicibank.com

Chennai Sudarsan Ts sudarsan.ts@icicibank.com
Bangalore Chengappa KS chengappa.ks@icicibank.com
Coimbatore Anil Kumar K k.anilkumar@icicibank.com
Cochin Vinod Kumar vinod.ku@icicibank.com
Hyderabad Venkat venkat.manohar@icicibank.com
Pune Hardeep Walia hardeep.walia@icicibank.com
Kolkata Imran Ahmed imran.ahmed@icicibank.com
Mumbai Mahesh Deshpande mahesh.deshpande@icicibank.com
Gurgaon Saurabha Srivastava saurabha.srivastava@icicibank.com
Mangalore Anand Shimpi anand.shimpi@icicibank.com
Delhi NCR Deepak Bharadwaj deepak.bhardwaj@icicibank.com

Chennai Shekar Balasubramanian shekar.balasubramanian@icicibank.com
Bangalore Shilpa L shilpa.l@icicibank.com
Coimbatore Shekar Balasubramanian shekar.balasubramanian@icicibank.com
Cochin Rajish K rajish.kalapurayil@icicibank.com
Hyderabad Vineet Balhotra vineet.balhotra@icicibank.com
Pune Bonny Thomas bonny.thomas@icicibank.com
Kolkata Sujan Mitra gargi.basusarkar@icicibank.com
Mumbai Yateen Kahate yateen.kahate@icicibank.com
Gurgaon Ankur ankur.s@icicibank.com
Mangalore Sailesh sailesh.k@icicibank.com
Delhi NCR Akash Mathur akash.mathur@icicibank.com
Car Running Expenses

The Car Running Expense is a benefit extended to the associates towards fuel, chauffeur and maintenance of an
employee owned car which is used for official purpose
Coverage: For SA and above grade only

Limit: Car running expense can be claimed under the following heads, subject to a maximum amount as
prescribed below.
Engine capacity < = 1.6 Engine capacity > 1.6

Component
litres litres
Only Fuel & Maintenance Rs. 1800 (per month) Rs. 2400 (per month)
Fuel & maintenance + Driver
Rs. 1800+900 (per month) Rs. 2400+900 (per month)
Salary
Taxability
Not taxable in the hands of the associate
Claim process and policy details
Associates must declare the amount under MyDefinitions in https://MyPay.Cognizant.com
 Associates should reimburse their fuel bills by making payments only through the prescribed
credit card (currently ICICI, HDFC and Axis bank credit cards)
 The fuel expenses claimed through MyPay will not be entertained
 Expenses swiped will be paid only to the extent of accumulations and cannot be carried
forward partially to next month
 Associates can reimburse their Car Maintenance expense either through the prescribed credit
card or through MyPay claim by producing original bills
 Associates should reimburse Driver’s Salary expense only through MyPay by producing the
Driver Salary receipt duly filled and signed (Driver Signature on revenue stamp)
Driver Salary receipt template available under the MyForms link at https://mypay.cognizant.com
 To avail the tax benefit for Driver salary in addition to Fuel Expense / Car Maintenance, associate
should submit receipt for payment of Driver salary of Rs 900 (For cases where the amount defined is
Rs 2700 for cars with engine capacity < 1.6 liters, and Rs 3300 for cars with engine capacity > 1.6
liters). If the receipt for payment of Driver Salary is not submitted during the year, tax benefits for the
same will not be provided and tax as applicable would be deducted.
 Expense claim submitted towards car maintenance / fuel would be reimbursed only to the extent
of amount accumulated as of the date of processing even if the amount of the bill is higher than the
accumulated amount. The difference amount between the bill and accumulated amount will not be
carried forward automatically to subsequent months for payment. Associates will have to submit
fresh claims on a monthly basis.
 Associates should follow the below steps for claiming their credit card based Car Running
Expense Reimbursements
 Step 1: Procure an ICICI / HDFC / Axis credit card and use it to pay mobile phone
bills, Fuel and Maintenance bills (Refer the Credit Card section given under Mobile
Reimbursement for detailed explanation on process of procuring and updating a Credit
Card). Associates who already possess an HDFC credit card may use the same for
payment of bills by mapping the card as per process.

Please use the below link to obtain a new HDFC Credit Card:
https://www.hdfcbank.com/applications/webforms/apply/cognizant_cc.asp
 Step 2:Bank would share the information on the reimbursable spends which would be
updated in https://mypay.cognizant.com
 Step 3: Confirm the spends on mobile bill as “Official”, “Personal” or “Next Month” in
order mark your expenses as claimed, not claimed or carried forward respectively
(Refer the Credit Card Transactions Confirmation section for detailed explanation
on claiming credit card based spends).
 Associates need to make the Driver Salary /Car Maintenance reimbursement claim through
MyPay as mentioned below
 Step 1:Login to https://mypay.cognizant.com
 Step 2:Click on MyUpdates > Car Running and Mobile Reimbursement
 Step 3 : Click on Claims > Click on Car Maintenance / Driver Salary > Current Claim

Step 4: Select “ Driver Salary / Car Maintenance” option under Reimbursement Type
and update the required details as given below.
Type Driver Salary Car Maintenance
Expense Date Receipt Date Receipt Date
Invoice Number Month of Salary Paid Bill Number
Invoice Amount Maximum Rs 900/- Per month Bill Amount
Current accumulation not
Claim Amount Maximum Rs 900/- Per month more than bill amount
Merchant / Driver Name Driver Name Vendor Name
 Step 5: After updating all the above details click on “Save Icon” and Submit.
 Step 6 : Associate can upload only scanned copy of Car Insurance Policy document
for Car Maintenance claim and for all the other maintenance claim, original documents
should be sent via internal courier.
 Step 7: Below are the required documents to be sent by internal courier to respective location
finance.
o Original bills for Driver Salary and Car Maintenance.
o Driver Salary receipt duly filled and signed (Driver Salary receipt template available
under the MyForms link at https://mypay.cognizant.com. Revenue stamp to be affixed
and Driver signature on the Revenue Stamp is mandatory.

o The associate can claim car running only when they are in INDIA
 Car must be registered only in the name of the associate and not any other name
 Car should be currently registered in the State of the associate’s current location. If the car is
registered in any other state; the associate has to submit an NOC and Road Tax receipt from
the State of the associates’ current location (office).
 Proof of ownership (RC book) needs to be submitted.
 The associate is required to disclose any transfer of ownership of the vehicle, to the company.
 Associates are required to obtain an ICICI / HDFC/ Axis credit card and use it to pay for
expenses towards fuel and car maintenance. Remember, this card will also be used to pay for
expenses under the Mobile Reimbursement process.
 Claims would be reimbursed as a part of the reimbursement cycle. Please refer to the table on
“Reimbursement Dates” for further details.
 Fuel expenses – Can only be claimed through Credit card swipes
 Driver’s salary – Only by Cash (Driver Salary receipt)
 Car maintenance expenses – Credit card or cash (Bills should be in the name of associate)
 Associates should follow the steps mentioned below to submit their documents of
proof for car ownership:
 Step 1: Login to https://mypay.cognizant.com and navigate to MyUpdates then to

Proof of Car Ownership page
 Step 2: Fill in the necessary details and upload the scanned copies under “Required
Documents” and submit with self-declaration made available as a radio button at the end of the page
 Scanned copy of Car Registration Certificate (in associate’s name)
 Scanned copy of Road tax certificate (if car is registered in different state)
 Scanned copy of NOC (if car is registered in different state)



 The submission of proof of ownership is mandatory, failing which no further reimbursements would be
entertained under this benefit for the future months and appropriate tax deduction would be made from
the March month’s salary for the reimbursement already paid out
 In case of a new vehicle for which the RC book is not yet delivered, the booking form which has the
proof of payment and name of owner can be used as a provisional document for proof of ownership.
However, the associate needs to submit a copy of the RC book as soon as it is received. The provisional
proof would be accepted only for 3 months from the date of purchase of the vehicle
 Step 3: Raise a GSD in https://gsd.cognizant.com > Human Resources > India
Payroll in case of any assistance required in the process
Car ownership Details:

FBP /Reimbursements Car Running Expense Car Ownership – Proof & Registration
Points to remember for FBP benefit.

 Election of the components for the Flexible Benefit Plan can be made only between 5th and 24th of
every month:
 If 5th falls on a weekend or holiday, the system would be available from the next working day.
 If 24th falls on a weekend or holiday, the system would be available till the previous working day.
 All FBP components are available for redefinition on a monthly basis

 Kindly note that ICICI / HDFC / AX I S credit card to be used are personal cards and associate are
required to get in touch with the respective bank officials regarding any issues, including procurement
 If your Date of joining falls on or after 20 th of every month, you will be able to access MyPay latest
by 10th of the following month.
 All bills submitted for claim (, Mobile, Car Running Expenses, and LTA) will have to be later than your
date of Joining. Any bill, dated prior to the date of Joining of the Associate will not be considered for
payment
Reimbursement dates
Component Deadline for submission of Date of
claim/confirmation of transactions Reimbursement
Leave Travel Allowance Bills submitted/received on or before 20th Within ten days from the date of final
(LTA)-Non Taxable of every month approval
Leave Travel Allowance Reports submitted on or before 20th of Paid on the last working day of the
(LTA)-Taxable every month same month along with salary
Car Running Expenses Bills submitted/received in the current Within ten days from the date of final
(Through MyPay) week (Before cut-off date) approval
Car Running Expenses Transactions confirmed as official in 21st of the following month
(Through Credit Card) MyPay during the month on or before 20th
of every month
Mobile Reimbursement(Through Transactions confirmed as official in 21st of the following month
Credit Card) MyPay during the month on or before 20th
of every month
Food reimbursement Definition made during the current month Loaded into food card on the last
working day of the month on which
salary is processed.
Though the election mode is available on monthly basis, it is recommended that the
associate makes an election on a yearly basis to have a better plan of his / her salary.
Contact Points – Helpdesks
Only for Policy Related Clarifications

 Associates can raise GSD requests in https://gsd.cognizant.com Human Resources 
India Payroll with the below CTIs:
FBP /Reimbursements Car Running Expense Policy Related - Driver's Salary

FBP /Reimbursements Car Running Expense Policy Related – Fuel
FBP /Reimbursements Car Running Expense Policy Related – Maintenance
FBP /Reimbursements Car Running Expense Procedure for Credit card mapping
FBP /Reimbursements Food Card Policy Related
FBP /Reimbursements LTA Policy Related
FBP /Reimbursements LTA Reimbursement method

FBP /Reimbursements Mobile Reimbursement Policy Related

FBP /Reimbursements Mobile Reimbursement Procedure for Credit card mapping
FBP /Reimbursements Superannuation Fund Policy Related
Salary / Reimbursement Credit/ Tax Related Queries / Approval of FBP

bills / Credit card transactions confirmation

 Call GSD Helpdesk (VNET 56666, Please dial 3 followed by 2 for Payroll Voice Support) or

 Associates can also raise GSD request using the link https://gsd.cognizant.com Human
Resources  India Payroll

Car Maintenance, Insurance,
FBP /Reimbursements Car Running Expense
Driver's Salary
FBP /Reimbursements Car Running Expense Credit status
FBP /Reimbursements Car Running Expense Missing credit card Transactions
FBP /Reimbursements Credit Card mapping Bank POC not responding
Amount not credited/loaded in Food
FBP /Reimbursements Food Card
card
FBP /Reimbursements Food Card Food Card Issue
FBP /Reimbursements Leave travel allowance Unclaimed amount
FBP /Reimbursements LTA Claiming Process
FBP /Reimbursements LTA Credit Status
FBP /Reimbursements LTA Document Submission / Approval
Status
FBP /Reimbursements Mobile Reimbursement Credit status
FBP /Reimbursements Mobile Reimbursement Missing credit card Transactions
FBP /Reimbursements Mobile Reimbursement Payment Issues
FBP /Reimbursements NPS Enrolling
FBP /Reimbursements NPS Status
FBP /Reimbursements Superannuation Fund Enrolling and login
Tax Exemption 80C Query
Tax Exemption Higher education loan Query
Tax Exemption House rental allowance Query
Tax Exemption Loss on House property Query
Tax Exemption Mediclaim Query
Proof of Car Ownership – Submission and Approval

 Associates can raise a GSD with the following CTI in https://gsd.cognizant.com  Human
Resources  India Payroll
FBP /Reimbursements Car Running Expense Car Ownership – Proof & Registration

Finance Point of Contacts for Claims Submission

(For All Reimbursable FBP Components)
Location Place for claims submission Finance Point of Contact

Payroll department, 6th Floor, CCO,
Bangalore Mail Room (Drop box available) Menon Eternity, Building, 165, St.Mary’s
Road, Alwarpet, Chennai –600 018.
Kolkata Mail Room (Drop box available) Menon Eternity, Building, 165, St.Mary’s
Hyderabad Mail Room (Drop box available) Menon Eternity, Building, 165, St.Mary’s
Chennai Mail Room (Internal courier) Menon Eternity, Building, 165, St.Mary’s
Pune Mail Room (Drop box available) Menon Eternity, Building, 165, St.Mary’s
Coimbatore Mail Room (Drop box available) Menon Eternity, Building, 165, St.Mary’s
Kochi Mail Room (Drop box available) Menon Eternity, Building, 165, St.Mary’s
Mumbai Mail Room (Drop box available) Menon Eternity, Building, 165, St.Mary’s
Gurgaon Admin, Gurgaon (Drop box available) Menon Eternity, Building, 165, St.Mary’s
LTA & Car Running Only:

Payroll department, 6th Floor, CCO, Menon
All other client Direct courier Eternity Building, 165, St.Mary’s Road,
locations Alwarpet, Chennai – 600 018.

Flexible Benefit Plan (FBP) Policy Document: Disclaimer

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Flexible Benefit Plan

Flexible Benefit Plan

Salient Features of FBP

 Provides associates the opportunity to choose from a range of components depending

 Enables tax savings for the associates

 Associates can select any combination of components

 Definitions can be made for current and future months only

 Level based entitlements

 Entitlements vary with each level (grade)

 Criteria per elected benefit

 Each component has a minimum and maximum criterion

 Optimize earning structure

 Associates can optimize their earnings through a suitable choice of components

 Portion of salary allocated for FBP – FBP Amount

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Senior Associate and Manager Levels

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Senior Manager and Above Levels

FBP working mechanism

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Coverage and Eligibility

1. House Rent Allowance (HRA) Yes Yes Yes

2. Food Reimbursement Yes Yes Yes

3. Mobile Reimbursement Yes Yes No

4. Leave Travel Allowance (LTA) Yes Yes Yes

5. Car Running Expenses No Yes Yes

6. National Pension Scheme Yes Yes Yes

7. Superannuation Yes Yes Yes

Definition of Benefits Structure

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 Step 2: Click the MyDefinition

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House Rent Allowance (HRA)

 The actual amount of house rent allowance received

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Claim process and policy details:

 Step 1: Click the HRA link under the MyInvestments tab

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 Step 3: Upload relevant documents through Upload option available

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Leave Travel Allowance (LTA)

Component Associate at all levels

Claim process and policy details:

 Associates should submit the LTA reimbursement claim in MyPay.

 Step 1:Login to https://mypay.cognizant.com

 Step 2: Click on MyUpdates tab and Leave Travel Allowance

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 Step 3: Select Claim type

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 By Air: Original air tickets and boarding passes

 By Rail: Original train tickets or Print-out of E-Ticket

 By Road: Original bus tickets, if the travel is by bus

 By Sea : Original ship tickets and boarding passes

 LTA Cover Page duly signed by the associate.

 Bills can be submitted any time during the block period.

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I Name of Associate, employee of Cognizant Technology Solutions employee number xxxxx am

I, Name of Associate, employee of Cognizant Technology Solutions, employee number