NPS TRANSACTION STATEMENT

April 01, 2024 to December 31, 2024

Statement Generation Date :December 31,

2024 01:51 PM

NPS Transaction Statement for Tier I Account

PRAN 110072875993 Registration Date 29-Jan-13
Subscriber Name SHRI HITESHKUMAR PRABHUDAS PATEL Tier I Status Active
GENERAL DEPARTMENT Tier II Status Not Activated
GOVERNMENT POLYTECHNIC DAHOD Tier II Tax Saver Not Activated
Status
DAHOD
Tier I Virtual Account Not Activated
Address Status
DAHOD
Tier II Virtual Account Not Aplicable
GUJARAT - 389151 Status
INDIA DDO Registration No SGV092831E
DDO Name Government Polytechnic-Dahod
Mobile Number 9586093696
DDO Address DAHOD, DAHOD
Email ID [email protected] DAHOD, 389151
IRA Status IRA compliant PAO Registration No 4010403
PAO Name Director Pension and Provident Fund, Gujarat
Block-18, PPF Office
PAO Address Sector 10-B, Old Sachivalay, Gandhinagar,
382010

Tier I Nominee Name/s Percentage

YOGENDRA HITESH PATEL 50%
ASHABEN HITESHKUMAR PATEL 50%

Current Scheme Preference

Scheme Choice - MODERATE AUTO CHOICE
Investment Option Scheme Details Percentage
Scheme 1 KOTAK PENSION FUND SCHEME E - TIER I 44.00%
Scheme 2 KOTAK PENSION FUND SCHEME C - TIER I 27.00%
Scheme 3 KOTAK PENSION FUND SCHEME G - TIER I 29.00%

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 Contributions on December 31, December 31, intermediary Investment 9.28%
December 31, December 31, 2024 (in ₹) 2024 (in ₹) charges (in ₹) (XIRR)
2024 (in ₹) 2024 (in ₹)
(A) (B) (C) D=(A-B)+C E

₹ 36,17,102.26 171 ₹ 23,37,213.00 ₹ 0.00 ₹ 12,79,889.26 ₹ 8.85

Investment Details - Scheme Wise Summary

Particulars References KOTAK PENSION FUND KOTAK PENSION FUND KOTAK PENSION FUND
SCHEME E - TIER I SCHEME C - TIER I SCHEME G - TIER I
Scheme wise Value of your E=U*N 16,22,409.74 9,62,480.48 10,32,212.04
Holdings(Investments) (in ₹)
Total Units U 25,290.6402 24,147.6154 28,737.9356
NAV as on 30-Dec-2024 N 64.1506 39.8582 35.9181

Changes made during the selected period

Date Tier Type Transaction Type
09-Apr-2024 Tier-1 Change in scheme preference
05-Jun-2024 Tier-1 On account of Rebalancing of Assets as per Regulatory Requirement
 Contribution/Redemption Details during the selected period
Contribution
Date Particulars Uploaded By Employee Employer's Total
Contribution Contribution (₹)
(₹) (₹)
24-Apr-2024 For March, 2024 Director Pension and Provident Fund (3100075), 11,315.00 15,841.00 27,156.00
24-Apr-2024 By Arrear - ARREAR DA FROM JUL-23 Director Pension and Provident Fund (3100075), 1,302.00 1,302.00 2,604.00
TO SEP-23
21-May- For April, 2024 Director Pension and Provident Fund (3100075), 11,315.00 15,841.00 27,156.00
2024
21-May- By Arrear - ARREAR DA FROM OCT- Director Pension and Provident Fund (3100075), 1,302.00 1,302.00 2,604.00
2024 23 TO DEC-23
14-Jun- For May, 2024 Director Pension and Provident Fund (3100075), 11,315.00 15,841.00 27,156.00
2024
14-Jun- By Arrear - ARRIARS DA FROM JAN- Director Pension and Provident Fund (3100075), 868.00 868.00 1,736.00
2024 24 TO FEB-24
10-Jul-2024 For June, 2024 Director Pension and Provident Fund (3100075), 11,315.00 15,841.00 27,156.00
13-Aug- For July, 2024 Director Pension and Provident Fund (3100075), 11,970.00 16,758.00 28,728.00
2024
13-Aug- By Arrear - ARRIARS DA FROM JAN- Director Pension and Provident Fund (3100075), 868.00 868.00 1,736.00
2024 24 TO FEB-24
23-Sep- For August, 2024 Director Pension and Provident Fund (3100075), 11,970.00 16,758.00 28,728.00
2024
23-Sep- By Arrear - ARRIARS DA FROM MAR- Director Pension and Provident Fund (3100075), 620.00 868.00 1,488.00
2024 24 TO APR-24
11-Oct-2024 For September, 2024 Director Pension and Provident Fund (3100075), 11,970.00 16,758.00 28,728.00

11-Oct-2024 By Arrear - ARRIARS DA FROM MAY- Director Pension and Provident Fund (3100075), 620.00 868.00 1,488.00
24 TO JUN-24
11-Nov- For October, 2024 Director Pension and Provident Fund (3100075), 11,970.00 16,758.00 28,728.00
2024
11-Dec- For November, 2024 Director Pension and Provident Fund (3100075), 11,970.00 16,758.00 28,728.00
2024
 Transaction Details
SBI PENSION FUND SCHEME - NPS TRUST- A/C - UTI PENSION LIC PENSION FUND SCHEME -
STATE GOVT FUND SCHEME - STATE GOVT STATE GOVT
Date Particulars
Amount (₹) Amount (₹) Amount (₹)
Units Units Units
NAV (₹) NAV (₹) NAV (₹)
01-Apr-
Opening balance 28,169.6769 26,726.0983 27,023.4823
2024

10-Apr- To Withdrawal On Account of (10,59,872.82) (10,11,291.50) (10,28,208.37)

2024 Subscriber Initiated Scheme (28,169.6769) (26,726.0983) (27,023.4823)
Preference Change 37.6246 37.8391 38.0487

KOTAK PENSION FUND KOTAK PENSION FUND KOTAK PENSION FUND

Withdrawal/ SCHEME E - TIER I SCHEME C - TIER I SCHEME G - TIER I
Date Particulars deduction in units
towards intermediary Amount (₹) Amount (₹) Amount (₹)
charges(₹) Units Units Units
NAV (₹) NAV (₹) NAV (₹)

15-Apr- By Contribution On Account of 14,25,711.43 8,67,824.35 8,05,836.91

2024 Subscriber Initiated Scheme 24,389.3963 23,193.4411 23,988.8101
Preference Change 58.4562 37.4168 33.5922

24-Apr- By Arrear - ARREAR DA FROM 1,197.84 729.12 677.04

20.2838 19.4727 20.1602
2024 JUL-23 TO SEP-23 59.0538 37.4430 33.5829
24-Apr- 12,491.76 7,603.68 7,060.56
By Contribution for March,2024 211.5318 203.0734 210.2427
2024 59.0538 37.4430 33.5829
21-May- 12,491.76 7,603.68 7,060.56
By Contribution for April,2024 206.6776 201.5661 207.1821
2024 60.4408 37.7230 34.0790
21-May- By Arrear - ARREAR DA FROM 1,197.84 729.12 677.04
19.8184 19.3282 19.8667
2024 OCT-23 TO DEC-23 60.4408 37.7230 34.0790
05-Jun- On account of Rebalancing of (55,310.23) (34,309.76) 89,619.99
2024 Assets as per Regulatory (914.5166) (907.9276) 2,615.0538
Requirement 60.4803 37.7891 34.2708

14-Jun- 11,948.64 7,332.12 7,875.24

By Contribution for May,2024 187.9712 193.3112 228.6927
2024 63.5663 37.9291 34.4359
14-Jun- By Arrear - ARRIARS DA FROM 763.84 468.72 503.44
12.0164 12.3577 14.6196
2024 JAN-24 TO FEB-24 63.5663 37.9291 34.4359
06-Jul- (4.11) (2.27) (2.47)
Billing for Q1, 2024-2025 (8.85) (0.0626) (0.0595) (0.0713)
2024 65.6111 38.1312 34.6118
10-Jul- 11,948.64 7,332.12 7,875.24
By Contribution for June,2024 181.4339 192.1259 227.0110
2024 65.8567 38.1631 34.6910
13-Aug- 12,640.32 7,756.56 8,331.12
By Contribution for July,2024 193.6412 201.3143 237.6666
2024 65.2770 38.5296 35.0538
13-Aug- By Arrear - ARRIARS DA FROM 763.84 468.72 503.44
11.7015 12.1651 14.3619
2024 JAN-24 TO FEB-24 65.2770 38.5296 35.0538
23-Sep- 12,640.32 7,756.56 8,331.12
By Contribution for August,2024 180.5698 198.2973 233.3352
2024 70.0024 39.1158 35.7045
23-Sep- By Arrear - ARRIARS DA FROM 654.72 401.76 431.52
9.3528 10.2710 12.0858
2024 MAR-24 TO APR-24 70.0024 39.1158 35.7045
11-Oct- By Contribution for 12,640.32 7,756.56 8,331.12
187.8216 197.4749 233.0624
2024 September,2024 67.2996 39.2787 35.7463
11-Oct- By Arrear - ARRIARS DA FROM 654.72 401.76 431.52
9.7284 10.2284 12.0717
2024 MAY-24 TO JUN-24 67.2996 39.2787 35.7463
11-Nov- By Contribution for 12,640.32 7,756.56 8,331.12
194.3459 196.1967 232.5283
2024 October,2024 65.0403 39.5346 35.8284
11-Dec- By Contribution for 12,640.32 7,756.56 8,331.12
188.9288 194.9785 231.2561
2024 November,2024 66.9052 39.7816 36.0255
31-Dec- Closing Balance 25,290.6402 24,147.6154 28,737.9356
2024
 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.
27. Best viewed in Internet Explorer 9.0 & above or Mozilla Firefox Ver 3 & above with a resolution of 1024 X 768.
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.) 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
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.