With this new jan-dec appraisal policy, i understand there will be no arrears for 3 months jan-march as appraisal applicable from April month salary. This is causing 3 months arrears loss at some point.

Is that understanding correct?

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It’s not really a loss if you see it .
The last increment happened in July and the new one will happen from April. So there’s a benefit of 3 months.
Rest you can check with payroll team.

hoping the same and expected the percentage not pro rated to 6 months

As far as what they have told on the calls, there is no proration. Rest lets see

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