NPS TRANSACTION STATEMENT

April 01, 2024 to January 01, 2025

Statement Generation Date :January 01,

2025 02:53 PM

NPS Transaction Statement for Tier I Account

PRAN 110148987475 Registration Date 20-May-23
Subscriber Name JITENDRA MAGANBHAI RADADIYA Tier I Status Active
104,RIDHISIDHI HEIGHTS, Tier II Status Not Activated
ZADESHAWER Tier II Tax Saver Not Activated
Status
BHARUCH
Address Tier I Virtual Account Not Activated
GUJARAT - 392011 Status
Tier II Virtual Account Not Aplicable
INDIA Status

+918238021686 DDO Registration No Not Activated

Mobile Number
DDO Name Not Activated
Email ID [email protected]
IRAcompliant DDO Address Not Activated
IRA Status
PAO Registration No Not Activated
PAO Name Not Activated

PAO Address Not Activated

Tier I Nominee Name/s Percentage

KAJAL JITENDRA RADADIYA 100%

Current Scheme Preference

Scheme Choice - DEFAULT SCHEME SET-UP
Investment Option Scheme Details Percentage
Scheme 1 SBI PENSION FUND SCHEME - STATE GOVT 34.00%
Scheme 2 UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME- STATE GOVT 32.00%
Scheme 3 LIC PENSION FUND SCHEME - STATE GOVT 34.00%

Investment Summary
Value of your Total Contribution Total Withdrawal Total Notional
Holdings(Investme No of in your account as as on Gain/Loss as on
nts) on Return on
Contributions January 01, January 01, Investment 11.2%
as on January 01, January 01, 2025 (in ₹) 2025 (in ₹)
2025 (in ₹) 2025 (in ₹) (XIRR)
(A) (B) (C) D=(A-B)+C

₹ 1,06,595.63 10 ₹ 1,05,972.00 ₹ 0.00 ₹ 623.63

Investment Details - Scheme Wise Summary

UTI RETIREMENT SOLUTIONS
Particulars References SBI PENSION FUND SCHEME - PENSION FUND SCHEME- LIC PENSION FUND SCHEME -
STATE GOVT STATE GOVT STATE GOVT

Scheme wise Value of your E=U*N 36,244.87 34,105.88 36,244.88

Holdings(Investments) (in ₹)
Total Units U 997.3109 934.5332 986.0005
NAVas on 01-Jan-2025 N 36.3426 36.4951 36.7595

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 (₹)
(₹) (₹)
09-Nov- For October, 2024 Director Pension and Provident Fund (3100075), 5,666.00 5,666.00 11,332.00
2024
13-Dec- For November, 2024 Director Pension and Provident Fund (3100075), 5,666.00 5,666.00 11,332.00
2024
27-Dec- By Arrear - ARREAR FOR MONTH OF Director Pension and Provident Fund (3100075), 2,911.00 2,911.00 5,822.00
2024 MARCH 2024
27-Dec- By Arrear - ARREAR FOR MONTH OF Director Pension and Provident Fund (3100075), 4,747.00 4,747.00 9,494.00
2024 APRIL 2024
27-Dec- By Arrear - ARREAR FOR MONTH OF Director Pension and Provident Fund (3100075), 5,666.00 5,666.00 11,332.00
2024 MAY2024
27-Dec- By Arrear - ARREAR FOR MONTH OF Director Pension and Provident Fund (3100075), 5,666.00 5,666.00 11,332.00
2024 JUNE 2024
27-Dec- By Arrear - ARREAR FOR MONTH OF Director Pension and Provident Fund (3100075), 5,666.00 5,666.00 11,332.00
2024 JULY2024
27-Dec- By Arrear - ARREAR FOR MONTH OF Director Pension and Provident Fund (3100075), 5,666.00 5,666.00 11,332.00
2024 AUGUST 2024
27-Dec- By Arrear - ARREAR FOR MONTH OF Director Pension and Provident Fund (3100075), 5,666.00 5,666.00 11,332.00
2024 SEP 2024
01-Jan- For December, 2024
2025 Director Pension and Provident Fund (3100075), 5,666.00 5,666.00 11,332.00

Transaction Details
UTI RETIREMENT SOLUTIONS
SBI PENSION FUND SCHEME - LIC PENSION FUND SCHEME -
STATE GOVT PENSION FUND SCHEME- STATE STATE GOVT
GOVT
Date Particulars
Amount (₹) Amount (₹) Amount (₹)
Units Units Units
NAV (₹) NAV (₹) NAV (₹)
01-Apr-2024 Opening balance 0.0000 0.0000 0.0000
09-Nov- 3,852.88 3,626.24 3,852.88
ByContribution for October,2024 109.0571 102.1968 107.9165
2024 35.3290 35.4829 35.7024
13-Dec- 3,852.88 3,626.24 3,852.88
2024 ByContribution for November,2024 107.3859 100.6321 106.1820
35.8788 36.0346 36.2856
27-Dec- By Arrear - ARREAR FOR MONTH OF 3,227.96 3,038.08 3,227.96
2024 APRIL 2024 89.0164 83.4091 87.9924
36.2625 36.4238 36.6845
27-Dec- By Arrear - ARREAR FOR MONTH OF 3,852.88 3,626.24 3,852.88
2024 JUNE 2024 106.2497 99.5568 105.0274
36.2625 36.4238 36.6845
27-Dec- By Arrear - ARREAR FOR MONTH OF 3,852.88 3,626.24 3,852.88
2024 JULY2024 106.2497 99.5568 105.0274
36.2625 36.4238 36.6845
27-Dec- By Arrear - ARREAR FOR MONTH OF 1,979.48 1,863.04 1,979.48
2024 MARCH 2024 54.5875 51.1489 53.9595
36.2625 36.4238 36.6845
27-Dec- By Arrear - ARREAR FOR MONTH OF 3,852.88 3,626.24 3,852.88
2024 MAY2024 106.2497 99.5568 105.0274
36.2625 36.4238 36.6845
27-Dec- By Arrear - ARREAR FOR MONTH OF 3,852.88 3,626.24 3,852.88
106.2497 99.5568 105.0274
2024 AUGUST 2024 36.2625 36.4238 36.6845
27-Dec- By Arrear - ARREAR FOR MONTH OF 3,852.88 3,626.24 3,852.88
2024 SEP 2024 106.2497 99.5568 105.0274
36.2625 36.4238 36.6845
01-Jan- 3,852.88 3,626.24 3,852.88
ByContribution for December,2024 106.0155 99.3623 104.8131
2025 36.3426 36.4951 36.7595
02-Jan-2025 Closing Balance 997.3109 934.5332 986.0005
 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. The current allocation ratio of funds (subscriber contribution remitted by the DTA/DTOs) is 31.0:34.0:35.0 for the three PFMs - SBI, UTI and LIC..
12. On November 8, 2021, the allocation ratio of funds (contribution remitted by the DTA/DTOs) has been revised from 39.0:17.0:44.0 to 31.0:34.0:35.0
for the three PFMs - SBI, UTI and LIC respectively as per the directives received from NPS Trust.
13. On July 16, 2021, the allocation ratio of funds (contribution remitted by the DTA/DTOs) has been revised from 38.5:32.0:29.5 to 39.0:17.0:44.0 for the
three PFMs - SBI, UTI and LIC respectively as per the directives received from NPS Trust.
14. On June 29, 2020, the allocation ratio of funds (contribution remitted by the DTA/DTOs) has been revised from 34.0:33.5:32.5 to 38.5:32.0:29.5 for
the three PFMs - SBI, UTI and LIC respectively as per the directives received from NPS Trust..
15. On May 09, 2019, the allocation ratio of funds (contribution remitted by the DTA/DTOs) has been revised from 33.50:34.0:32.5 to 34.0:33.5:32.5 for
the three PFMs - SBI, UTI and LIC respectively as per the directives received from NPS Trust..
16. On May 07, 2018, NPS Trust has revised the allocation ratio of funds (contribution remitted by the DTA/DTOs) from 33:34:33 to 33.50:34.0:32.5 for
the three PFMs - SBI, UTI and LIC respectively..
17. On Nov 06, 2017, NPS Trust has revised the allocation ratio of funds (contribution remitted by the DTA/DTOs) from 35:33.50:31.50 to 33:34:33 for the
three PFMs - SBI, UTI and LIC respectively..
18. On Nov 10, 2016, NPS Trust has revised the allocation ratio of funds (contribution remitted by the DTA/DTOs) from 34:32:34 to 35:33.50:31.50 for the
three PFMs - SBI, UTI and LIC respectively..
19. On June 25, 2015, Government has revised the allocation ratio of funds (contribution remitted by the DTA/DTOs) from 33:34:33 to 34:32:34 for the
three PFMs - SBI, UTI and LIC respectively..
20. For the FY 2014-15, after reviewing performance of the PFMs, it was decided that there is no change in the allocation ratio of funds between the
three PFMs - SBI, UTI and LIC..
21. On May 15, 2013, Government has revised the allocation ratio of funds (Contribution remitted by the DTA/DTOs) from 35:31:34 to 33:34:33 for the
three PFMs - SBI, UTI and LIC respectively..
22. On May 01, 2012, Government has revised the allocation ratio of funds (contribution remitted by the DTA/DTOs) from 31:35.5:33.5 to 35:31:34 for the
three PFMs - SBI, UTI and LIC respectively..
23. On July 01, 2011, Government has revised the allocation ratio of funds(contribution remitted by the DTA/DTOs) from 33:32:35 to 31:35.5:33.5 for the
three PFMs - SBI, UTI and LIC respectively..
24. The balances and respective narrations reflecting in your account are based on the contribution amount and details uploaded by your uploading
office (DTA/DTOs). In case there is no/less/excess contribution for any month or no clarity in the narration, please contact your uploading office
(DTA/DTO)..
25. In case of any other queries, you may contact CRA toll free helpline 1800 222 080..
26. 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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28. This is computer generated statement and does not require any signature/stamp.
29. 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.)
physical only Deduction

Rs. 40 (also applicable to reissue of PRAN

CRA card)
Rs. 35 Rs. 18

Annual PRA Maintenance Rs. 69 Through Unit

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
NA Collected by POP
and contribution upload (Negotiable within slab only)
 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)
POP
Rs. 50 per annum for annual
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
Upfront deduction
0.20% of contribution,
Contribution through eNPS NA from contribution
Min. Rs.15 Max. Rs.10,000 amount

Processing of Exit / @0.125% of Corpus with

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

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.