Q: What is National Investment Trust (NIT)?

National Investment Trust Limited (NIT) is the pioneer Asset Management Company in Pakistan, established in 1962, under the sponsorship of the Govt. of Pakistan. Presently, NIT is managing following seven Funds with net assets under management of approximately Rs. 76 billion catering the needs of around 55,521 unit holders as on June 30th, 2019:

  • NI(U)T
  • NIT - State Enterprise Fund (SEF)
  • NIT - Equity Market Opportunity Fund (EMOF)
  • NIT - Islamic Equity Fund (NIT-IEF)
  • NIT - Government Bound Fund (GBF)
  • NIT - Income Fund (IF)
  • NIT - Money Markey Fund (MMF)
  • NIT - Islamic Income Fund (IIF)

NI(U)T Fund

Q: What is NI(U)T Fund?

NI(U)T is an open-end equity Fund constituted through a Trust Deed dated 12th November, 1962 executed between National Investment Trust Limited (NITL) being an Asset Management Company and National Bank of Pakistan (NBP) being Trustee to the Fund. The Fund primarily invests in equities listed on the stock exchanges of Pakistan.

Recently, Central Depository Company of Pakistan Limited (CDCPL) has been appointed as the new Trustee of NIUT Fund with the approval of Regulatory Authority. The change has been finalized vide 7th supplemental Trust Deed dated 1st April, 2014 executed between National Investment Trust Limited (NITL) as Management Company and Central Depository Company of Pakistan Limited (CDCPL) as Trustee with effect from 16th May, 2014.

Q: How is this Fund different from NIT GBF & NIT IF?

NI(U)T Fund primarily invests in equity securities listed on the stock exchanges of the country, while NIT GBF invests primarily in Government issued securities, and NIT IF invests in a diversified base of high quality fixed income securities. Further, being an equity fund, the expected return is higher than that of fixed income funds, albeit with a higher level of risk.

Q: What is the objective of NI(U)T?

The objective of NI(U)T is to maximize total returns for Unit holders, provide a regular stream of income through dividends and generation of capital gains, provide long term growth through management of a diversified portfolio and invest into growth and high yielding equity securities.

Q: What is the Benchmark of NI(U)T for performance comparison?

The performance of NI(U)T is judged against the performance of KSE 100 Index during the period.

Q: From where can I get forms?

Registration and Investment Forms are available at NIT’s website www.nit.com.pk. You can also get these forms from Registered Office or any nearest branch of NIT.

Q: Is there any discount available in Front End Load?

Discount in Front End Load is available subject to the amount of investment.

Q: What is the mechanism for calculating price of NI(U)T Units?

Price of NI(U)T units is determined adopting Forward Day pricing system based on daily Net Asset Value (NAV).

Q: What is the minimum amount required to open an account with NI(U)T?

The minimum amount required to open an account is Rs. 5,000/-.

Q: Is there any upper limit of investment?

No, there is no upper limit of investment both for individual and institutional investors.

Q: Are there any tax benefits available on investment in NI(U)T?

Yes, all tax benefits as available to other Mutual Funds are also available to NI(U)T.

Q: Can I change my account details, if required?

Yes, to notify the changes you need to advise us in writing.

Q: How can I redeem my units from NI(U)T?

Procedure for redemption of units is quite simple. Just fill in the prescribed form and submit the same along with required documents (if any) to respective branch of NIT.

Q: How can I get my account information?

Latest account information can be obtained from your branch against written request. You can also avail the facility of online account access through NIT’s website i.e. www.nit.com.pk

Q: Is there any provision for automatic reinvestment of my dividend in NI(U)T units?

Yes. The dividend can be reinvested in NI(U)T units by availing the CIP option.

NIT IF

Q: What is NIT Income Fund (NIT IF)?

NIT IF is an open-end Income Fund constituted through a Trust Deed dated September 17, 2009 executed between National Investment Trust Limited (NITL) being an Asset Management Company and Central Depository Company of Pakistan Limited (CDC) being Trustee to the Fund. The Fund primarily invests in diversified portfolio comprising of fixed income securities/instruments.

Q: How this Fund is different from NIT GBF under the management of NITL?

NIT GBF primarily invests in securities issued by Government of Pakistan, whereas, NIT IF invests in diversified high quality fixed income securities/instruments.

Q: What is the objective of NIT IF?

The objective of NIT IF is to generate competitive stream of returns with moderate level of risk for its unit holders, by investing primarily in portfolio of fixed income securities with weighted average time to maturity not exceeding four (4) years.

Q: What is the Benchmark of NIT IF for performance comparison?

The performance of NIT Income Fund would be compared against average of 6 months KIBOR rates quoted during the period.

Q: Are there different types of units being offered by NIT IF?

Yes, NIT IF offers two types of units:

  • Growth Units
  • Income Units

Q: What are Growth & Income Units?

Growth Units:

The Unit value grows in line with the growth in the NAV, and the Unit Holders shall have the option to receive distribution income in the form of cash or reinvestment of dividend.

Income Units:

The Unit Holder, based on their own consent/instructions and with prior intimation to the Management Company, may exercise the option of redeeming a certain number of Units for fulfilling their requirement of a certain cash amount at Regular Intervals (i.e. monthly, quarterly, semi-annually or annually). Such instructions shall be given in writing at the beginning of any Regular Interval or at the time of purchase of Units. In case of distribution i.e. dividend, only units will be issued. Income Units fall under further two categories:

  • Flexible Income Units
  • Fixed Income Units

Flexible Income Units - The Flexible Income Unit Holders shall, at the time of purchase or beginning of a Regular Interval, authorize the Management Company to decide the quantum of part redemption of their unit holdings at the end of every Regular Interval based on the performance (NAV growth) of the Fund during that Regular Interval.

Fixed Income Units - The Fixed Income Unit Holders shall, at the time of purchase or beginning of a Regular Interval, specify a fixed cash amount required by them at Regular Intervals and authorize the Management Company to redeem (at the prevailing NAV) such number of units from their holding that in rupee terms is equivalent to the specified fixed amount required at the end of every Regular Interval.

Q: From where can I get forms?

Registration and Investment Forms are available at NIT’s website www.nit.com.pk. You can also get these forms from Registered Office or any nearest branch of NIT.

Q: Is there any charge payable by Investor?

A Front End Load of 1% of NAV is applicable at the time of Purchase. However, no Back End load would be charged at the time of Exit.

Q: Is there any discount available in Front End Load?

Discount in Front End Load is available subject to the amount of investment.

Q: What is the mechanism for calculating price of NIT IF Units?

Forward Day pricing based on daily Net Asset Value (NAV).

Q: What is the minimum amount required to open an account with NIT IF?

Investor can open an account with minimum amount as small as Rs. 5,000/. However, different classes of units require different amount of initial and subsequent investments.

Q: Is there any upper limit of investment?

No, there is no upper limit of investment both for individual and institutional investors.

Q: Are tax benefits as available to other mutual funds also available to NIT IF?

Yes, all tax benefits available to other mutual funds are also available to NIT IF.

Q: Can I change my account details?

Yes, to notify the changes you need to advise us in writing.

Q: How can I redeem my units?

Procedure for redemption of units is quite simple. Just fill in the prescribed form and submit the same along with required documents (if any) to respective branch of NIT.

Q: Where can I get the copy of offering document?

Offering Document can be downloaded from NIT’s website www.nit.com.pk or it can be inspected at the registered office of NIT or CDC or any branch of NIT.

Q: How can I get my account information?

Latest account information can be obtained from your branch against written request. You can also avail the facility of online account access through NIT’s website i.e. www.nit.com.pk

NIT GBF

Q: What is NIT Government Bond Fund (NIT GBF)?

NIT GBF is an open-end Income Fund constituted through a Trust Deed dated September 04, 2009 executed between National Investment Trust Limited (NITL) being an Asset Management Company and Central Depository Company of Pakistan Limited (CDC) being Trustee to the Fund. The Fund primarily invest in securities where the issuer is Government of Pakistan

Q: How this Fund is different from other Funds under the management of NIT?

NI(U)T falls under “Equity Fund” category while NIT GBF and NIT IF are income funds, which make investments primarily in Government Securities and Fixed income Securities/ Instruments respectively.

Q: What is the objective of NIT GBF?

The objective of NIT Government Bond Fund is to generate best possible return with minimum risk, for its Unit Holders, by investing primarily in the Government Securities

Q: Are there any significant benefits for making investment in NIT GBF?

Following are the significant benefits of investing in NIT GBF:

  • Major investments in securities issued by the Government of Pakistan
  • Competitive returns
  • Exposure in Government Securities
  • Low risk
  • Professional management
  • Tax benefits as per applicable laws
  • Highly liquid
  • Minimum investment of Rs. 5,000
  • Qualify as collateral for availing bank financing

Q: What is the Benchmark of NIT GBF for performance comparison?

The performance of NIT GBP would be compared against the benchmark based on 70% average of weighted average yields of 6 months T-Bills auctions held during the period and, 30% of average of most recently published 1 month deposit rates of “A” and above rated schedule banks

Q: Are there different types of units being offered by NIT GBF?

Yes. There are two types of units:

  • Growth Units
  • Income units

Q: What are Growth & Income Units?

Growth Units:

The Unit value grows in line with the growth in the NAV, and the Unit Holders shall have the option to receive distribution income in the form of cash or to reinvest dividend, in case of cash distribution.

Income Units:

The Unit Holders, based on their own consent & instructions and with prior intimation to the Management Company, may exercise the option of redeeming a certain number of Units for fulfilling their requirement of a certain cash amount at Regular Intervals (i.e. monthly, quarterly, semi- annually or annually). Such instructions shall be given in writing at the beginning of any Regular Interval or at the time of purchase of Units

Income Units fall under further two categories

  • Flexible Income Units
  • Fixed Income Units

Flexible Income Units – The Flexible Income Unit Holders shall, at the time of purchase or beginning of a Regular Interval, authorize the Management Company to decide the quantum of part redemption of their unit holdings at the end of every Regular Interval based on the performance (NAV growth) of the Fund during that Regular Interval.

Fixed Income Units – The Fixed Income Unit Holders shall, at the time of purchase or beginning of a Regular Interval, specify a fixed cash amount required by them at Regular Intervals and authorize the Management Company to redeem (at the prevailing NAV) such number of units from their holding that in rupee terms is equivalent to the specified fixed amount required at the end of every Regular Interval

Q: Whom the Fund is suitable for?

The fund is suitable for those investors who are looking for competitive returns with minimum risk and high liquidity

Q: How can I make investment in NIT GBF?

Procedure for investing in NIT GBF is very simple. Fill-in the prescribed Form and submit it along with payment instrument drawn in favor of “CDC-Trustee NIT Government Bond Fund” and necessary documents at your nearest NIT Branch

Q: From where I can get forms for investment in NIT GBF?

Registration and Investment Forms are available at NIT’s website www.nit.com.pk. You can also get these forms from Registered Office or any nearest branch of NIT

Q: Who can invest in NIT GBF?

All individual and institutional investors are eligible for investment in NIT GBF

Q: What is the mechanism for calculating price of NIT GBF units?

Forward Day pricing based on daily Net Asset Value (NAV)

Q: What is the minimum amount required to open an account with NIT GBF?

Investor can open an account with minimum amount as low as Rs. 5,000/. However, different classes of units required different amount of initial and subsequent investment

Q: Is there any upper limit of investment?

No. There is no upper limit of investment both for individual and institutional investors

Q: How this fund offers investment opportunity with minimum risk?

NIT GBF will invest 70% of its funds in securities issued by the Government of Pakistan to reduce the risk to minimum level

Q: Are tax benefits as available to other mutual funds also available to NIT GBF?

Yes. All tax benefits available to other Mutual Funds are also available to NIT GBF

Q: How can I redeem my units from NIT GBF?

Process for redemption of units is quite simple. Just fill in the prescribed Form and submit the same along with required documents (if any) to respective branch of NIT

Q: Where can I get the copy of Offering Document?

Offering Document can be downloaded from NIT’s website www.nit.com.pk or it can be inspected at the registered office of NIT or CDC or any branch of NIT

NIT-IEF

Q: Who can invest?

Any investor or any related group of investors qualified or authorized to purchase the Units may make applications for the purchase of units in the Fund.

  • Citizen of Pakistan resident in Pakistan. In respect of minors below 18 years of age, applications may only be made by their guardians.
  • Companies, corporate bodies, financial institutions, banks, partners of a firm and societies incorporated in Pakistan provided such investment is permitted under their respective memorandum and articles of association and / or bye-laws.
  • Pakistanis resident abroad, foreign nationals and companies incorporated outside Pakistan can apply for Units subject to the regulations of the State Bank of Pakistan and the Government of Pakistan and any such regulations and laws that may apply to their place of residence, domicile and citizenship.

Q: What is Sales Load / Sales Charge?

Sales Load/ Sales Charge is the amount charged to the investor at the time of investment. Currently, it is charged at the rate of 2 percent of Net Asset Value (NAV) of the Fund. It is also called Front End Load.

Q: When can I purchase or redeem units?

You can purchase or redeem units of,NIT-Islamic Equity Fund,during five business days, from Monday to Friday between 09:00 am to 03:30 pm.

Q: Why should we invest in Islamic Equity Fund?

  • Islamic Equity Fund is a Shariah Compliant Mutual Fund. Its investments, operations and trading practices etc. are overseen by a Shariah Advisor to ensure that the fund is being operated as per Shariah Compliant principles.
  • At the end of each Annual Accounting Period or such other interval as the Commission may require, the Shariah Advisor shall issue a certificate to be included in the Annual reports or such other report in respect of the Shariah compliance of the preceding year’s or past operations of the Fund.

Q: How Shariah compliance is monitored?

The Shariah Advisor will ensure that all investments and income from the Fund remain in compliance with requirement of Shariah at all times.

Q: What is the minimum level of investment?

The minimum amount required for investment in NIT-Islamic Equity Fundis Rs.5,000/- (Rupees Five Thousand only).

Q: What is the minimum amount of redemption?

You can redeem any amount of your investment whenever required.

Q: What is the face value of unit?

The face value of NIT-Islamic Equity Fund Unit is Rs. 10/-.

Q: Who are the auditors?

KPMG Taseer Hadi & Co., Chartered Accountants.

Q: Is there any tax benefit inNIT IEF IslamicEquity Fund?

Yes. Tax credit will be available to all participants on investments during the tax year subject to the limits prescribed under the Income Tax Ordinance, 2001 (XLIX of 2001).

NIT-MMF

Q: What is NIT-Money Market Fund (formerly NIT-GTF)?

NIT Money Market Fund (NIT-MMF) (formerly NIT-GTF) is an open-end Money Market Fund launched in January 2016. It invests in short-term government securities, bank placement and other money market instrument, providing relatively superior returns with minimal risk.

Q: What is the objective of NIT-MMF (formerly NIT-GTF)?

To invest in highly liquid, short-term Government Securities and Money Market Securities with very low risk.

Q: How is this Fund different from other NIT funds?

NIT-MMF (formerly NIT-GTF) is a Money Market Fund. The other Funds vary in terms of type and maturity of the assets that they invest in (e.g. equities, fixed income instruments of longer maturities, Shariah compliant securities only, etc). They also fall into the categories of Equity, Income or Pension Schemes.

Q: What is the benchmark of NIT-MMF (formerly NIT-GTF)?

The Benchmark of NIT-MMF (formerly NIT-GTF) for any period of return will be a 70/30 composition as follows:

  • 70% that would be an average of “3 Month PKRV rate” as available through Reuters and Financial Markets Association of Pakistan (FMA).
  • 30% that would be an average of “3-Month Term Deposit Rates (TDR) of AA and above rated scheduled banks” for the period of return

Q: Is NIT-MMF (formerly NIT-GTF) suitable for me?

NIT-MMF (formerly NIT-GTF) is for investors who have:

  • low-risk appetite.
  • require safe yet consistent returns on their investment.
  • require a place to park funds for a short period of time.

    Q: How does NIT-MMF (formerly NIT-GTF) work?

    NIT-MMF (formerly NIT-GTF) takes your money and combines it to form a pool of funds. This combined money, taken from all investors, is then used to purchase highly liquid, low-risk, government securities and money market securities. The income generated from these securities (minus Management Fee) is what makes up your return or profit.

    Q: How does NIT-MMF (formerly NIT-GTF) offer an investment opportunity with minimum risk?

    NIT-MMF(formerly NIT-GTF) invests primarily in sovereign securities that are backed by the Government of Pakistan. As instruments are issued by the GoP, they have minimal credit risk.

    Q: How can I calculate the value of my investment?

    NIT-MMF (formerly NIT-GTF) is an Open-End fund. This means that you can buy and sell units as and when you please.

    The current price of your unit is called the Net Asset Value (NAV). This price at which you can buy additional units, or sell your existing units, is calculated daily and can be seen at www.nit.com.pk.

    Q: Can I invest in MMF (formerly NIT-GTF)?

    Yes, if you are:

    • a Pakistani citizen resident in Pakistan.
    • a Pakistani citizen residing abroad*
    • foreign national*
    • a company, corporate body, financial institution, bank, or firm incorporated in Pakistan*
    • a company, corporate body, financial institution, bank, or firm incorporated abroad*

    * Subject to SBP and GoP regulations, and any laws that apply to the investor's place of residence, domicile and citizenship.

    Q: How can individuals invest in NIT-MMF (formerly NIT-GTF)?

    Visit any NIT branch and submit:

    • a copy of your CNIC
    • completed Investor Application Form (available at the Registered Office, all branches, and online at nit.com.pk
    • your payment by cheque, bank draft, pay order or online transfer in favour of “CDC- Trustee NIT Money Market Fund”.
    • You will then be assigned units in lieu of your investment amount.

    Q: Where can I get forms for investment in NIT-MMF (formerly NIT-GTF)?

    Registration and Investment Application Forms are available at NITL’s website www.nit.com.pk. These are also available at the Registered Office and all branches of NITL.

    Q: What are the benefits of investing in NIT-MMF (formerly NIT-GTF)?

    Investing in NIT-MMF (formerly NIT-GTF) will mean:

    • professional management of your investment by a team of seasoned fund managers
    • tax benefits as per applicable laws
    • the ability to invest in smaller denominations with a minimum investment size of PKR 500
    • the facility to redeem your investment units on a daily basis
    • competitive returns from low- risk Government securities
    • risk diversification
    • no minimum holding period

    Q: What are the different types of units being offered by NIT-MMF (formerly NIT-GTF)?

    There are two types of units offered:

    Growth Units: The Unit value grows in line with the growth in NAV, and the Unit Holders shall receive additional units at prevailing price, after adjusting for taxes against Cash Dividend (if any) at the time of distribution.

    Income Units: The Unit value grows in line with the growth in NAV, and the Unit Holders shall receive distribution income in the form of cash, if any distribution announced by the Fund.

    Q: What is the minimum amount of investment that I can make?

    Initial Investment: PKR 1,000

    Subsequent Investment: PKR 500

    Q: Is there any upper limit of investment in NIT-MMF (formerly NIT-GTF)?

    No. There is no upper limit of investment for either individual or institutional investors.

    Q: What are the charges payable?

    There is no Front-End Load (charge) for investing in NIT-MMF (formerly NIT-GTF). All your money will be converted into NIT-GTF units at the prevailing NAV. So you will not need to pay additional charges at the time of investment.During the course of your investment, you will be charged a Management Fee of 7.5% of Gross Annualized Earnings per annum, subject to a cap of 1% of Average Annual Net Assets, that will be deducted from your total return.

    Q: How can I redeem my units from NIT-MMF (formerly NIT-GTF)?

    Fill in the prescribed Form and submit it at any NIT branch.

    Q: Are there any redemption charges?

    No.

    Q: What is the mechanism for calculating the price of NIT-MMF (formerly NIT-GTF) units?

    Backward Pricing, which is the NAV at the close of the previous day.

    Q: Are the tax benefits that are available to other mutual fund unit holders also available to NIT-MMF (formerly NIT-GTF) unit holders?

    Yes. All tax benefits available to other mutual fund unit holders are also available to NIT-MMF (formerly NIT-GTF) unit holders.

    Q: Where can I get a copy of the Offering Document?

    The Offering Document can be downloaded from www.nit.com.pk or can be inspected at the registered office of NITL, CDC or any of NITL’s branches.

    NIT-IIF

    Q: What is NIT-Islamic Income Fund?

    NIT-Islamic Income Fund (NIT-IIF) is an open-end Shariah Compliant (Islamic) Income Fund. It invests in a diversified portfolio of Shariah Compliant instruments.

    Q: What is the objective of NIT-IIF?

    To generate a stable Shariah compliant income stream, while seeking maximum possible preservation of capital, over the medium to long-term period.

    Q: How is this Fund different from other NIT Funds?

    NIT-IIF is a Shariah Compliant Income Fund. This means that the fund invests in assets such as Government securities (IjarahSukuk) and Islamic bank products. The other Funds vary in terms of type and maturity of the assets.

    Q: Is NIT-IIF suitable for me?

    NIT-IIF is for investors who:

    • have medium to long term risk appetite
    • want to opt for Shariah compliant returns
    • want to receive a stable income stream
    • wish to benefit from changes in profit rates and avoid stock market volatility

    Q: How does NIT-IIF work?

    NIT-IIF takes your money and combines it to form a pool of funds. This combined money, taken from all investors, is then used to purchase an assortment of Islamic income securities, to earn the best possible returns. The income generated from these securities (minus Wakalah Fee / Management Fee& other expenses) is what makes up your profit.

    Q: How does NIT-IIF offer an investment opportunity?

    NIT-IIF invests primarily in Shariah compliant instruments. Islamic Government securities such as Ijarah Sukuks are backed by the Government of Pakistan, and therefore have minimal credit risk. Other instruments purchased will be from Islamic banks with high credit ratings.

    Q: How can I calculate the value of my investment?

    NIT-IIF is an Open-End fund. This means that you can buy and sell units as and when you please. The current price of your unit is called the Net Asset Value (NAV). This price at which you can buy additional units, or sell your existing units, is calculated daily and can be seen at www.nit.com.pk.

    Q: Can I invest in IIF?

    Yes, if you are:

    • A Pakistani citizen resident in Pakistan.
    • A Pakistani citizen residing abroad*
    • Foreign national*
    • A company, corporate body, financial institution, bank, or firm incorporated in Pakistan or abroad*
    • *Subject to SBP and GoP regulations, and any laws that apply to the investor’s place of residence, domicile and citizenship

    Q: How can individuals invest in NIT-IIF?

    Visit any NIT branch and submit:

    • a copy of your CNIC
    • completed Investor Application Form
    • your payment by cheque, bank draft, pay order or online transfer in favour of “CDC- Trustee NIT Islamic Income Fund”

    You will then be assigned units in lieu of your investment amount.

    Q: Where can I get forms for investment in NIT-IIF?

    Registration and Investment Application Forms are available at NIT’s website www.nit.com.pk. These are also available at the Registered Office and all branches of NIT.

    Q: What is the minimum amount of investment that I can make?

    Initial Investment: PKR 1,000

    Subsequent Investment: PKR 500

    Q: Is there any upper limit of investment in NIT-IIF?

    No. There is no upper limit of investment for either individual or institutional investors.

    Q: What are the charges payable?

    There is no Front-End and Back-End Load in NIT-IIF. However, during the course of your investment, you will be charged Wakalah Fee (Management Fee) of 7.5% of Gross Earnings of the fund, subject to a minimum fee of 0.25% p.a and maximum fee of 1% p.a of Average Annual Net Assets

    Q: How can I redeem my units from NIT-IIF?

    Fill in the prescribed Form and submit it at any NIT branch

    Q: Are there any redemption charges?

    No.

    Q: Where can I get a copy of the Offering Document?

    The Offering Document can be downloaded from www.nit.com.pk or can be inspected at the registered office of NIT, CDC or any of NIT’s branches.

    CRS

    Q: What is CRS?

    CRS – Client Reporting System is a service for NIT’s unit holders to view their account statement under NI(U)T Fund, NIT Government Bond Fund, NIT Income Fund and NIT Government Treasury Fund through NIT’s website.

    Q: Who can subscribe for NIT-CRS?

    An existing individual or institutional unit holder having investment in any of NIT managed funds can subscribe for this service.

    Q: How do I subscribe for NIT-CRS?

    Fill in the NIT-CRS form along with contact details, sign as per account operating instructions and submit it at your concerned branch. NIT-CRS Form, is available at NIT Branches or you can download it from NIT’s website.

    Q: What can I do with NIT-CRS?

    You can see an updated status of your account from any computer having internet connection and browser (IE v.6 or above.).

    Q: Is there any charge for this service?

    No. This service is free of charge.

    Q: How do I access my account?

    Visit www.nit.com.pk and follow the link to Unit Holder Login.

    Q: What should I do if I am having difficulties in accessing my account?

    Check your login ID and password or contact NIT on info@nit.com.pk or call (+92-21) 111-648-648 for technical support.

    Q: What should I be aware of while using NIT CRS?

    At present, the CRS facility can be used to access account statement, only. Before use please read carefully terms and conditions on CRS form available in Download section of at Investor Forms on NIT’s website.