NPS TRANSACTION STATEMENT

April 01, 2024 to January 12, 2025

Statement Generation Date :January 12,

2025 10:37 PM

NPS Transaction Statement for Tier I Account

PRAN 400080368467 Registration Date 27-May-22
Subscriber Name Shri Akash Agarwal Tier I Status Active
B-501 Tier II Status Not Activated
5TH FLOOR VHIANGAM SOCIETY Tier II Tax Saver Not Activated
Status
CHEMBUR
Tier I Virtual Account Not Activated
TILAK NAGAR Status
Address Tier II Virtual Account Not Aplicable
CLOSE TO BUILDING NUMBER 46 Status
MUMBAI CBO Registration No 6540074
MAHARASHTRA - 400089 CBO Name Airtel Payments Bank Limited
INDIA CBO Address Airtel Center, Plot No-16, Udyog Vihar
Phase-4, Gurgaon, 122015
Mobile Number 9828418296 CHO Registration No 5540021
Email ID akashbolster@[Link] CHO Name Airtel Payments Bank Limited
IRA Status IRA compliant CHO Address Airtel Center, Plot No-16
Udyog Vihar, Phase-4, Gurgaon, 122015

Tier I Nominee Name/s Percentage

Renu Goyal 100%

Current Scheme Preference

Scheme Choice - MODERATE AUTO CHOICE
Investment Option Scheme Details Percentage
Scheme 1 KOTAK PENSION FUND SCHEME E - TIER I 50.00%
Scheme 2 KOTAK PENSION FUND SCHEME C - TIER I 30.00%
Scheme 3 KOTAK PENSION FUND SCHEME G - TIER I 20.00%

Investment Summary
Value of your Total Total Total Notional Withdrawal/
Holdings(Invest Contribution in Withdrawal as Gain/Loss as deduction in
ments) No of your account as on on units towards Return on
as on January Contributions on January 12, January 12, intermediary Investment 11.86%
12, 2025 (in ₹) January 12, 2025 (in ₹) 2025 (in ₹) charges (in ₹) (XIRR)
2025 (in ₹)
(A) (B) (C) D=(A-B)+C E

₹ 8,51,502.98 37 ₹ 7,18,090.07 ₹ 0.00 ₹ 1,33,412.91 ₹ 109.74

Investment Details - Scheme Wise Summary

KOTAK PENSION FUND KOTAK PENSION FUND KOTAK PENSION FUND
Particulars References SCHEME E - TIER I SCHEME C - TIER I SCHEME G - TIER I
Scheme wise Value of your E=U*N 4,12,903.86 2,63,456.88 1,75,142.24
Holdings(Investments) (in ₹)
Total Units U 6,524.8336 6,591.4977 4,861.4973
NAV as on 10-Jan-2025 N 63.2819 39.9692 36.0264

Changes made during the selected period

No change affected in this period
 Contribution/Redemption Details during the selected period
Contribution
Date Particulars Uploaded By Employee Employer's Total
Contribution Contribution (₹)
(₹) (₹)
29-Apr-2024 For April, 2024 Kotak Mahindra Bank Limited (5000041), 0.00 16,617.83 16,617.83
29-May- For May, 2024 Kotak Mahindra Bank Limited (5000041), 0.00 16,617.83 16,617.83
2024
28-Jun- For June, 2024 Kotak Mahindra Bank Limited (5000041), 0.00 18,289.89 18,289.89
2024
30-Jul-2024 For July, 2024 Kotak Mahindra Bank Limited (5000041), 0.00 18,289.89 18,289.89
29-Aug- For August, 2024 Kotak Mahindra Bank Limited (5000041), 0.00 18,289.89 18,289.89
2024
30-Sep- For September, 2024 Kotak Mahindra Bank Limited (5000041), 0.00 18,289.89 18,289.89
2024
28-Nov- By Arrear - Regular contribution Kotak Mahindra Bank Limited (5000041), 0.00 18,289.89 18,289.89
2024 October
29-Nov- For November, 2024 Kotak Mahindra Bank Limited (5000041), 0.00 18,289.89 18,289.89
2024
31-Dec- For December, 2024 Kotak Mahindra Bank Limited (5000041), 0.00 18,289.89 18,289.89
2024
03-Jan- By Voluntary Contributions eNPS - Online (5000682), 50,000.00 0.00 50,000.00
2025

Transaction Details
KOTAK PENSION FUND KOTAK PENSION FUND KOTAK PENSION FUND
Withdrawal/ SCHEME E - TIER I SCHEME C - TIER I SCHEME G - TIER I
deduction in units
Date Particulars
towards intermediary Amount (₹) Amount (₹) Amount (₹)
charges(₹) Units Units Units
NAV (₹) NAV (₹) NAV (₹)
01-Apr-
2024 Opening balance 5,178.8660 4,664.3735 3,484.0751

06-Apr- (21.73) (12.40) (8.35)

Billing for Q4, 2023-2024 (42.48) (0.3682) (0.3315) (0.2478)
2024 59.0115 37.3997 33.6875
29-Apr- 8,308.91 4,985.34 3,323.58
By Contribution for April,2024 138.5492 133.0140 98.9210
2024 59.9708 37.4798 33.5983
29-May- 8,308.91 4,985.34 3,323.58
By Contribution for May,2024 136.4173 131.8963 97.1843
2024 60.9080 37.7974 34.1987
28-Jun- 9,144.94 5,486.96 3,657.99
By Contribution for June,2024 141.5152 144.1709 105.8173
2024 64.6216 38.0587 34.5689
06-Jul- (17.85) (9.40) (6.38)
Billing for Q1, 2024-2025 (33.63) (0.2720) (0.2465) (0.1843)
2024 65.6111 38.1312 34.6118
30-Jul- 9,144.94 5,486.96 3,657.99
By Contribution for July,2024 136.0886 142.9096 104.9545
2024 67.1984 38.3946 34.8531
29-Aug- 9,144.94 5,486.96 3,657.99
By Contribution for August,2024 134.4500 141.7559 103.7142
2024 68.0174 38.7071 35.2699
30-Sep- By Contribution for 9,144.94 5,486.96 3,657.99
131.6227 139.9566 102.0038
2024 September,2024 69.4784 39.2047 35.8613
05-Oct- (17.75) (9.45) (6.43)
Billing for Q2, 2024-2025 (33.63) (0.2633) (0.2412) (0.1803)
2024 67.4000 39.1662 35.6438
28-Nov- By Arrear - Regular contribution 9,144.94 5,486.96 3,657.99
140.5473 138.6429 102.4882
2024 October 65.0666 39.5762 35.6918
29-Nov- By Contribution for 9,144.94 5,486.96 3,657.99
139.5319 138.4396 102.2401
2024 November,2024 65.5401 39.6343 35.7784

09-Dec- On account of Rebalancing of (18,603.46) 12,082.59 6,520.87

2024 Assets as per Regulatory (278.2168) 303.7230 181.0070
Requirement 66.8668 39.7816 36.0255

31-Dec- By Contribution for 9,144.94 5,486.96 3,657.99

142.5817 137.5871 101.5927
2024 December,2024 64.1382 39.8799 36.0064
03-Jan- 25,000.00 15,000.00 10,000.00
By Voluntary Contributions 383.7840 375.8475 278.1115
2025 65.1408 39.9098 35.9568
12-Jan-
Closing Balance 6,524.8336 6,591.4977 4,861.4973
2025
 Notes
1. The 'Investment Details' section gives an overall status of the total contribution processed under the account and the returns accrued
2. 'Notional Gain / Loss' indicates the overall gain or loss after factoring for the withdrawals processed in the account.
3. Returns based on Inflows' gives the annualized effective compounded return rate in PRAN account and is calculated using the formula of XIRR. The
calculation is done considering all the contribution / redemptions processed in PRAN account since inception and the latest valuation of the
investments. The transactions are sorted based on the NAV date.
4. 'Changes made during the selected period' indicates all the change requests processed in PRAN account during the period for which the
statement is generated.
5. The section 'Contribution / Redemption Details' gives the details of the contributions and redemption processed in subscribers' account during the
period for which the statement is generated. While contribution amount indicates the amount invested in subscribers account, the redemption
amount indicates the cost of units redeemed from the account. The cost of units is calculated on a First-In-First-Out (FIFO) basis. The details are
sorted based on date when the transaction is posted in PRAN account, which may / may not be the date for allotment of the NAV.
6. 'Transaction Details' gives the units allotted under different schemes / asset classes for each of the contributions processed in subscribers'
account during the period for which the statement is generated. It also contains units debited from the account for redemption and rectification. The
details are sorted based on date when the transaction is posted in PRAN account, which may / may not be the date for allotment of the NAV.
7. For transactions with the remarks "To Unit Redemption", the cost of units redeemed are adjusted against the total contribution in the Investment
Details section. Further, the cost of units is calculated on a First-In-First-Out (FIFO) basis. For calculating the 'Returns based on Inflows', the actual
redemption value corresponding to the units redeemed has been considered.
8. "Cost of Withdrawal", "Cost of GPF Withdrawal" and "Cost of One Way Switch", is the cost of units for the particular transaction and is calculated on a
First-In-First-Out (FIFO) basis. For calculating the 'Returns based on Inflows', the actual redemption value corresponding to the units redeemed has
been considered. Further, 'Total Withdrawal' in the Investment Summary section includes actual redemption value of Withdrawal and One Way
Switch transactions.
9. The Transaction statement is dynamic. The value and other computations in the Transaction statement depend upon the generation date.
10. The above returns are calculated based on scheme NAVs and the securities held under the scheme portfolio are valued on mark to market basis
and are subject to change on NAV fluctuations. .
11. If you are an employee or if you are self-employed , you will be able to avail of deduction on contribution made from your taxable income to the extent
of (u/s 80 CCD (1) of income Tax Act, 1961)
- 10% of salary (Basic + DA ) - if you are salaried employee
- 20% of your gross income - if you are self-employed
However, please note that the maximum deduction from your taxable income is limited to RS.1.50 lac, as permitted under Sec 80 CCE of the
Income Tax Act.
Further, an additional deduction from your taxable income to the extent of Rs. 50,000/- is available only for contribution in NPS u/s Sec. 80 CCD (1B).
To give an example, your salary is Rs.15 lac per annum. On contribution of Rs. 2 lac, you can avail:
Deduction under Sec. 80 CCD (1) - ₹- Rs. 1.50 lac
Deduction under Sec. 80 CCD (1B)- ₹- Rs. 0.50 lac
Total deduction - ₹- Rs. 2.00 lac
Also note that your employer's contribution upto 10% of your salary is fully deductible from your taxable income.
This is applicable only for Tier-I account.
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13. This is computer generated statement and does not require any signature/stamp.
14. Kindly refer Table 1 for various charges applicable under NPS:
Table 1
Service Charges* (excluding taxes)
Intermediary Charge head Mode of Deduction
Private / Govt.
CRA charges for account opening if the CRA charges for account opening if the subscriber
subscriber opts for Physical PRAN card opts for ePRAN card (in Rs.)

Welcome kit sent in Welcome kit sent vide email Through Unit
PRA Opening charges (in Rs.) Deduction
physical only
Rs. 40 (also applicable to reissue of PRAN
CRA card)
Rs. 35 Rs. 18

Annual PRA Maintenance Through Unit

Rs. 69
cost per account Deduction

Through Unit
Charge per transaction Rs. 3.75
Deduction

- Private Govt. -

Initial subscriber registration Min Rs. 200 and Max Rs. 400
and contribution upload (Negotiable within slab only) NA Collected by POP

0.50% of contribution
Any subsequent Min. Rs. 30 Max. Rs. 25,000 NA Collected by POP
transactions Non-Financial Rs. 30
(Negotiable within slab only)
Rs. 50 per annum for annual
POP contribution Rs. 1,000 to Rs. 2,999
Persistency Rs. 75 per annum for annual Through Unit
NA
> 6 months contribution Rs. 3,000 to Rs. 6,000 Deduction
Rs. 100 per annum for annual
contribution above Rs. 6,000

0.20% of contribution, Upfront deduction

Contribution through eNPS NA from contribution
Min. Rs.15 Max. Rs.10,000
amount

Processing of Exit / @0.125% of Corpus with

NA Collected by POP
Withdrawal Min. Rs. 125 and Max. Rs. 500

Custodian Asset Servicing charges 0.0032% p.a for Electronic segment & Physical segment Through AUM

Slabs of AUM managed by the Pension Fund Maximum Investment

Management Fee (IMF)
Upto 10,000 Cr. 0.09%$
Investment Management
PF charges Through AUM
Fee# 10,001 - 50,000 Cr. 0.06%
50,001 - 1,50,000 Cr. 0.05%
Above 1,50,000 Cr. 0.03%
Reimbursement of
NPS Trust Expenses 0.005% p.a Through AUM
* In case of Government employees, CRA charges for Tier I account are being paid by the respective Government except for voluntary contribution, partial
withdrawal and scheme preference change.
# It includes brokerage fee up to 3 basis points.

$ UTI Retirement Solutions Ltd charges a fee of 0.07% under this slab.
The IMF to be charge by the Pension Fund on the slab structure would be on the aggregate AUM of the Pension Fund under all schemes managed by
Pension Funds.