CTS Flexible Benefit Plan

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
Medical Reimbursement ....................................................................................................................... 12
Taxability ............................................................................................................................................. 12
Apollo medical card offer ..................................................................................................................... 15
Apollo Pharmacy Card ........................................................................................................................ 16
Leave Travel Allowance (LTA) ............................................................................................................. 17
Coverage ............................................................................................................................................. 17
Limit ..................................................................................................................................................... 17
Food Reimbursement ........................................................................................................................... 22
Coverage ............................................................................................................................................. 22
Limit ..................................................................................................................................................... 22
Food Card - Bank Contact point .......................................................................................................... 27
Superannuation Fund Contribution .................................................................................................... 27
Coverage ............................................................................................................................................. 27
Limit ..................................................................................................................................................... 28
Taxability ............................................................................................................................................. 28
Process and policy details ................................................................................................................... 28
Superannuation Transfer/Closure ....................................................................................................... 33
National Pension System (NPS ........................................................................................................... 33
Coverage ............................................................................................................................................. 34
Limit ..................................................................................................................................................... 34
Taxability ............................................................................................................................................. 34
Eligibility............................................................................................................................................... 34
ICICI POC details ................................................................................................................................ 34
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Mobile Reimbursement......................................................................................................................... 35
Coverage ............................................................................................................................................. 35
Limit ..................................................................................................................................................... 35
Taxability ............................................................................................................................................. 35
Credit Card ............................................................................................................................................. 36
Process of Mapping Credit Card ......................................................................................................... 36
Credit Card Transactions Confirmation ............................................................................................... 41
Credit Card - Bank Contact point ........................................................................................................ 42
Conveyance Allowance ........................................................................................................................ 44
Car Running Expenses ......................................................................................................................... 44
Coverage ............................................................................................................................................. 44
Limit ..................................................................................................................................................... 44
Taxability ............................................................................................................................................. 45
Car ownership Details ......................................................................................................................... 49
Points to remember for FBP benefit. .................................................................................................. 50
Reimbursement dates ........................................................................................................................... 50
Only for Policy Related Clarifications ................................................................................................. 51
Salary / Reimbursement Credit/ Tax Related Queries / Approval of FBP bills / Credit card
transactions confirmation .................................................................................................................... 51
Proof of Car Ownership – Submission and Approval ....................................................................... 52
Finance Point of Contacts for Claims Submission............................................................................ 52
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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
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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 Core Logic, UBS,
EDR, VSI,ITAAS and CDI (Saband) 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. Medical Reimbursement Yes Yes Yes
3. Conveyance Allowance Yes Yes Yes
4. Food Reimbursement Yes Yes Yes
5. Mobile Reimbursement Yes Yes No
6. Leave Travel Allowance (LTA) Yes Yes Yes
7. Car Running Expenses No Yes Yes
8. National Pension Scheme Yes Yes Yes
9. Superannuation Yes Yes Yes
*Associates at SA & Above level can avail either Conveyance Allowance or Car Running Expenses
and cannot avail both simultaneously.
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 25th of every month
 If 5th falls on a weekend or holiday, the system would be available from the next
working day
 If 25th 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
Medical Reimbursement
Medical Reimbursement aims towards defraying cost of day-to-day medical expenses (consultation fee,
diagnostic tests, cost of medicines etc.). It does not cover hospitalization expenses.
Limit: Up to Rs 15,000 per annum
Taxability
 Claims supported by valid medical bills (only pertaining to current Financial Year) are
reimbursed up to an amount of Rs. 15,000 per annum
Claim process and policy details

 Associates should declare the desired amount under the My Definitions tab in
https://mypay.cognizant.com
 Associates have to make a reimbursement claim through https://mypay.cognizant.com as

mentioned below:
 Step 1: Click the Medical Bills link under the MyUpdates tab

 Step 2: Update the bill details in the columns as shown below. Click the “+” sign to
add more rows. After entering details of all the bills, click the Submit button. Please
ensure that you click the Submit button failing which the details of the documents
entered by you will not flow to the approval queue. Please enter count of receipts
under proof column.
 Step 3: In case the bills are more than 10 in number, click on the Download Template
button shown above. An excel template will be opened. Save the template in your
Desktop without changing the name of the file. Update all the bill details and upload
the same and submit.
 Step 4: If you have updated the details on the portal then you need not fill in the
template and if you have used the template, need not update the details in the portal.
Print and sign the declaration cover sheet
 Step 5: Send the original bills along with the summary sheet duly signed, by
internal courier to respective location Point of Contact. Please refer to the table on
‘Point of Contacts for claims submission’ for submitting the bills in the respective
locations. Kindly note that the claims without the signed declaration cover sheet will
not be eligible for payment processing

 Remember to mention the Associate ID and the period in respect of which the reimbursement
is being applied for on the envelope
 Associates can accumulate up to an amount of Rs.1,250 per month as medical reimbursement.
 The amount would be reimbursed only to the extent of valid claims submitted by the
associates and approved, and not as an allowance on a monthly basis. Also, the amount so
reimbursed would be restricted to the amount accumulated as of that period.
 Any amount accumulated and not claimed would be carried forward to the subsequent month
within the current financial year
 Expenses incurred through Apollo card shall not be allowed to be submitted through manual
options
 Associates need to submit original copies of bills to Payroll Shared Services. Please note
that bills submitted should reach Payroll Shared Services on or before the last business day
of the month in order to be processed as part of that month’s reimbursement
 Payroll Shared Services Address:

Cognizant Technology Solutions India Pvt. Ltd,
Payroll Shared Services (Medical
Reimbursement)
DLF Info City, 1/124, “Sivaji Gardens”,
Block 9, B Wing, 10th Floor,
Mount Poonamalee High Road,
Manapakkam, Chennai – 600 089.

 Prescriptions to be provided for
 Bill amounting to Rs.1000 and above
 Multiple bills with the same date, the sum of which exceeds Rs.1000
 Ayurvedic / Homeopathic / Unani / Naturopathy medicines (irrespective of the bill

amounts)
 Photo copy of the prescription can be submitted in case the original prescription is required for
further consultation with the Doctor as appropriate
 Registration charges/annual fee etc. for clinics / health club cannot be claimed
 Bill amount for spectacles / lens is restricted to Rs. 1500 p.a.
 Bills for dental treatment need to be supported with prescriptions
 Bills for cosmetics and provisions should not be submitted for Medical Reimbursement claim
 Bills exceeding the eligibility limit will not be considered for exemption
 Original bills once submitted will be retained and would not be given back to the associate at
any circumstance

 Submission of genuine bills would be the prime responsibility of associates
 Bills with any overwriting would not be considered for reimbursements
 Claims would be reimbursed as part of the reimbursement cycle. Please refer to the table on
“Reimbursement Dates” for further details

 Vaccination bills can be reimbursed by submitting photo copy of the vaccination chart along
with the original bills
 Vitamin tablets and non-pharma items (Revital, Seacod etc.,) are not eligible for
reimbursement
 Hair treatment bills should not be submitted for medical reimbursement claim.
 Bills for baby products should not be submitted for medical reimbursement claim.
 If bills are getting rejected for supporting documents, associate should send supporting documents along
with summary sheet duly signed.
 If the bills are rejected with the reason as “Inappropriate bills” (Fraudulent bills/alteration of bill
number/date etc.) then the associate cannot avail the medical reimbursement facility throughout
the Financial Year however purchases done through your Apollo card for the rest of the period
in the current financial year will be considered
 Any unutilized accumulation would be added to Special Allowance as taxable component and
paid on completion of the year end process
Apollo medical card offer:
 In line with its philosophy of “Go Green”, Cognizant has entered into a direct tie up with
Apollo pharmacy for a unique and hassle free process of claiming medical reimbursements
online, under FBP.
 This provides associates with benefits such as:
 Eliminates manual submission of bills

 There is no need to collect, preserve and submit the hard copy bills
 Free membership with the Apollo pharmacy group with attractive discounts
Offers and Benefits for Cognizant Employees:
 ***10% discount on medicines and 5% discount on FMCG products. 15% discount on Apollo
private label products
 The discounts will be offered to the Associates in the purchase Bill itself
 Associates can avail free ‘Apollo Doctor Consultations’ and a 10% discount on MHC (Master
Health Check Up) at specified Apollo hospitals once in a Financial Year

Apollo Pharmacy Card :
Associates need to procure an Apollo medical card from Cognizant facilities by applying new card. Apollo
Pharmacy medical cards are available at all Cognizant facilities. To know the exact details for your
location, contact your location admin help desk.

 After you get the card, log on to the http://124.124.88.109/ and enroll yourself as a member by
providing the details requested on the website. Your membership will be activated only after the enrollment
process in completed.

 Update the membership card number in MyPay > MyUpdates > Personal Information > Medical Card
Details
 Associate can start the purchase in Apollo Pharmacy and it will be shared to Cognizant on a monthly
basis. The purchase made by the associate will be classified as pharmaceutical and non‐pharmaceutical.

 Pharmaceutical entries alone will be loaded into MyPay on 5th of every month. Incase, 5th fall on a
weekend, uploading will be done on the next working day of that month.

Associate need to confirm whether the transactions to be reimbursed by selecting ‘Yes’ or ‘No’
For more information on Apollo offer, please refer to the Apollo offer document and FAQ in
https://mypay.cognizant.com home page. ***The Apollo pharmacy has withdrawn discount on DPCO
(Drugs Price Control Order) drugs as per Govt of India notification, please go through the pages from 24 to
62 in the attachment.
DPCO2013.pdf
Note – discounts on rest of the products apart from DPCO products remains unchanged
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/-

The limits applicable for the travel performed on or before 31st December 2016 are as below:
Component Up to A Level SA and M SM and Above

Eligibility (Per Annum) 20,000 40,000 60,000
 Associates should declare the desired LTA amount in the MyDefinitions tab in
 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.
 Step 5 : Fill in the travel date, destination details, amount spent, travel type and number of
proofs attached for each travel as shown below:
 Step 6: Add rows as required to update the details of travel 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 table “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


 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.
 Claim Form duly filled and signed (LTA Claim Form available under the Forms
link at https://mypay.cognizant.com
 Vacation leave screen print from HCM
A minimum of three continuous days of vacation leave is mandatory (vacation leave does
not include weekends and national holidays) effective 1st January 2017. 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 2017. A minimum of five continuous days of vacation leave is mandatory incase the
travel has happened on or before 31st December 2016
 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 the
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 2014 and ends by 31st December
2017)
 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.

 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 2014 and ends by 31st December 2017). 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

 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/Axis Bank (is an existing customer of the bank)
b. Not holding any account in HDFC/Axis Bank (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 [email protected] .
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 : [email protected]

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 [email protected]
Level 2 K.Murugesan [email protected]
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 [email protected] 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
 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 by logging on to www.licindia.in
Log on to LIC Home page using URL

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

has been displayed in
MyPay > MyStatements
>Superannuation Slip
Select member from

the option

Enter LIC id that has been

displayed in MyPay >
MyStatements
Enter Date of Birth
Click Proceed
Create your own User ID and

Password

Policy details are

displayed here
Click on Contribution
history for consolidated
contributions

Superannuation Transfer/Closure
 https://gsd.cognizant.com Finance India Payroll

FBP /Reimbursements Superannuation Fund Superannuation closure

FBP /Reimbursements Superannuation Fund Superannuation transfer
 E-mail: [email protected]
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
 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, Medical, 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 '919941667552 [email protected]
Bangalore Ragini '919650594089 [email protected]

Coimbatore Sathiyan G '919842226886 [email protected]

Cochin Sanil S '918589976823 [email protected]
Hyderabad Venkat '918008402606 [email protected]
Pune Meenakshi Jaini '918554986342 [email protected]
Kolkata Biswajit Mukherjee '918584048807 [email protected]
Mumbai Om Prakash Singh '917506444173 [email protected]
Gurgaon Rajani Jha '919650748777 [email protected]
Mangalore Sachin B '919686747225 [email protected]
Delhi NCR Ambuj Singh '918130792720 [email protected]
Location Escalation Level 1 Email ID

Chennai Sudarsan Ts [email protected]
Bangalore Chengappa KS [email protected]
Coimbatore Anil Kumar K [email protected]
Cochin Vinod Kumar [email protected]
Hyderabad Syamlal Yadav [email protected]
Pune Hardeep Walia [email protected]
Kolkata Imran Ahmed [email protected]
Mumbai Mahesh Deshpande [email protected]
Gurgaon Saurabha Srivastava [email protected]
Mangalore Anand Shimpi [email protected]
Delhi NCR Deepak Bharadwaj [email protected]

Chennai RajaRaja Cholan A [email protected]
Bangalore Nagaraj S [email protected]
Coimbatore RajaRaja Cholan A [email protected]
Cochin Rajish K [email protected]
Hyderabad Vineet Balhotra [email protected]
Pune Bonny Thomas [email protected]
Kolkata Sujan Mitra [email protected]
Mumbai Yateen Kahate [email protected]
Delhi NCR Akash Mathur [email protected]
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) 500 100
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 [email protected]

with a cc to [email protected] and [email protected]
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
Axis Bank
 Step 1: Associate shall send an e-mail to [email protected] 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



C3: Protected  Last Updated on 13/01/2017 Page 39 of 54
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
[email protected]

Important Note- Credit Card:
In the event of changing the credit card/switching over from one bank to the other during the
month, 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 [email protected]
2nd Level For All Locations Srinivasan Ramamurthi [email protected]
Axis Bank
Corporate Salary Manager (CSM) - 1st Level Point of Contact

Location Name E Mail ID Mobile
Bangalore Nitesh Pandey [email protected] 9902706293
Mysore Vasudev Nayak [email protected] 9845677996
Chennai Balakumaran R [email protected] 9176450830
Coimbatore Thirunavukarasu S [email protected] 8098607993

Delhi Navraj Parihar [email protected] 9953928062

Mangalore Pradeepa Patel [email protected] 9902808833
Hyderabad Dandapani Sahu [email protected] 9000553439
Cochin Sajith Chandran [email protected] 9387825221
Kolkata Ashiquer Rahman [email protected] 9831140263
Mumbai Jayprakash Yadav [email protected] 8097044445
Pune Amit Khaitan [email protected] 9051031555
Circle Salary Head - 2nd Level Point of Contact

Location Name Mobile E Mail ID
Bangalore Kailash Gupta 9620189786 [email protected]
Mysore Vishwanath Khandi 9611978879 [email protected]
Chennai G Subramanian 9176664571 [email protected]
Coimbatore P Kalaivani 9500135100 P [email protected]
Delhi Karan basrao 9810799331 [email protected]
Mangalore Kiran N 9980516718 [email protected]
Hyderabad Venkat Ram Reddy 9966401220 [email protected]
Cochin Vinesh A R 9446493988 [email protected]
Kolkata Ovisek Dasgupta 8335827711 [email protected]
Mumbai Nehal Amit Divatia 9819829811 [email protected]
Pune Vikas Gupta 9921428089 [email protected]
ICICI Bank
Location Name Mobile Number Email ID

Chennai Lalith Kumar '919941667552 [email protected]
Bangalore Ragini '919650594089 [email protected]
Coimbatore Sathiyan G '919842226886 [email protected]
Cochin Sanil S '918589976823 [email protected]
Hyderabad Venkat '918008402606 [email protected]
Pune Meenakshi Jaini '918554986342 [email protected]
Kolkata Biswajit Mukherjee '918584048807 [email protected]
Mumbai Om Prakash Singh '917506444173 [email protected]
Gurgaon Rajani Jha '919650748777 [email protected]
Mangalore Sachin B '919686747225 [email protected]
Delhi NCR Ambuj Singh '918130792720 [email protected]

Chennai Sudarsan Ts [email protected]
Bangalore Chengappa KS [email protected]
Coimbatore Anil Kumar K [email protected]
Cochin Vinod Kumar [email protected]
Hyderabad Syamlal Yadav [email protected]
Pune Hardeep Walia [email protected]

Kolkata Imran Ahmed [email protected]

Mumbai Mahesh Deshpande [email protected]
Gurgaon Saurabha Srivastava [email protected]
Mangalore Anand Shimpi [email protected]
Delhi NCR Deepak Bharadwaj [email protected]

Chennai RajaRaja Cholan A [email protected]
Bangalore Nagaraj S [email protected]
Coimbatore RajaRaja Cholan A [email protected]
Cochin Rajish K [email protected]
Hyderabad Vineet Balhotra [email protected]
Pune Bonny Thomas [email protected]
Kolkata Sujan Mitra [email protected]
Mumbai Yateen Kahate [email protected]
Delhi NCR Akash Mathur [email protected]
Conveyance Allowance
Conveyance allowance is a monthly benefit given to the associates.
Coverage: All Associates
Limit: Associates will get an amount of Rs.1600 as conveyance allowance.

 Associates need to define it under MyDefinitions in https://MyPay.Cognizant.com
 No documentary proof is required to claim Conveyance Allowance.
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 purposes.
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

Note: You are entitled to claim either Conveyance Allowance (up to a maximum of Rs.1600) or Car
Running Expense and you cannot claim both.
Taxability
Not taxable in the hands of the associate
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
 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 Print the cover page and duly signed cover page to be sent
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.
 For associates at SA and above grades who are not availing Car Running Expense for
reasons whatsoever but still would like to be provided for their conveyance, can avail of
Conveyance Allowance (Refer conveyance Allowance policy).
 Associates cannot avail of Car running expense and Conveyance Allowance both at the same
time.
 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 in the cover sheet and print the same and upload
it in https://mypay.cognizant.com
 Scanned copy of filled forms (Cover Sheet) and upload in “Proof of Car Ownership Form”.

 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 (Medical, 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 Reimbursement
transactions
Leave Travel Allowance Bills submitted/received on or before Within ten days from the
(LTA)-Non Taxable 20th of every month date of final approval
Leave Travel Allowance Reports submitted on or before 20th Paid on the last working day
(LTA)-Taxable of every month of the same month along
with salary
Car Running Expenses Bills submitted/received in the Within ten days from the
(Through MyPay) current week (Before cut-off date) date of final 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
Medical Reimbursement (through Bills submitted/received on or before 10th of the following month
MyPay Manual submission) last day of the month
Medical Reimbursement (through Apollo swipes incurred during the 10th of the following month
Apollo card confirmation) month and confirmed as YES
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 Loaded into food card on
month 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 Medical Reimbursement Policy Related
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
FBP /Reimbursements Car Running Expense Car Maintenance, Insurance, 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
FBP /Reimbursements Food Card Amount not credited/loaded in Food 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 Medical Reimbursement Apollo medical card
FBP /Reimbursements Medical Reimbursement Claiming Process

FBP /Reimbursements Medical Reimbursement Credit Status

FBP /Reimbursements Medical Reimbursement Proofs and credit
FBP /Reimbursements Medical Reimbursement Proofs/Manual bill 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, Menon
Bangalore Mail Room (Drop box available) Eternity, Building, 165, St.Mary’s Road,
Alwarpet, Chennai –600 018.
Kolkata Mail Room (Drop box available) Eternity, Building, 165, St.Mary’s Road,
Hyderabad Mail Room (Drop box available) Eternity, Building, 165, St.Mary’s Road,
Chennai Mail Room (Internal courier) Eternity, Building, 165, St.Mary’s Road,
Pune Mail Room (Drop box available) Eternity, Building, 165, St.Mary’s Road,

Coimbatore Mail Room (Drop box available) Payroll department, 6th Floor, CCO, Menon
Eternity, Building, 165, St.Mary’s Road,
Kochi Mail Room (Drop box available) Payroll department, 6th Floor, CCO, Menon
Mumbai Mail Room (Drop box available) Payroll department, 6th Floor, CCO, Menon
Gurgaon Admin, Gurgaon (Drop box Payroll department, 6th Floor, CCO, Menon
available) Eternity, Building, 165, St.Mary’s Road,
All other client Direct courier

locations LTA & Car Running Only:
(Please do not interchange the Payroll department, 6th Floor, CCO,
address mentioned as it will Menon Eternity
result in loss of documents Building, 165, St.Mary’s Road, Alwarpet,
and tax benefit) Chennai –
600 018.
Medical Reimbursement Only:

Cognizant Technology Solutions India
Pvt. Ltd,
Payroll Shared Services (Medical
Reimbursement)
DLF Info City, 1/124, “Sivaji Gardens”,
Block 9, B Wing, 10th Floor, Mount
Poonamalee High Road, Manapakkam,
Chennai – 600 089.

CTS Flexible Benefit Plan

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CTS Flexible Benefit Plan

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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

 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. Medical Reimbursement Yes Yes Yes

3. Conveyance Allowance Yes Yes Yes

4. Food Reimbursement Yes Yes Yes

5. Mobile Reimbursement Yes Yes No

6. Leave Travel Allowance (LTA) Yes Yes Yes

7. Car Running Expenses No Yes Yes

8. National Pension Scheme Yes Yes Yes

9. 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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Claim process and policy details

 Associates have to make a reimbursement claim through https://mypay.cognizant.com as

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 Associates can accumulate up to an amount of Rs.1,250 per month as medical reimbursement.

 Payroll Shared Services Address:

 Bill amounting to Rs.1000 and above

 Ayurvedic / Homeopathic / Unani / Naturopathy medicines (irrespective of the bill

 Bill amount for spectacles / lens is restricted to Rs. 1500 p.a.

 Bills for dental treatment need to be supported with prescriptions

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 Submission of genuine bills would be the prime responsibility of associates

 Bills with any overwriting would not be considered for reimbursements

Apollo medical card offer:

 This provides associates with benefits such as:

 Eliminates manual submission of bills

Offers and Benefits for Cognizant Employees:

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Apollo Pharmacy Card :

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Leave Travel Allowance (LTA)