NPS TRANSACTION STATEMENT

April 01, 2024 to January 05, 2025

Statement Generation Date :January 05,

2025 11:42 AM

NPS Transaction Statement for Tier I Account

PRAN 110193734190 Registration Date 06-Jan-23
Subscriber Name SHRI KARUNAKARAN M Tier I Status Active
FLAT NO : 21 Tier II Status Not Activated
LAKSHMI NARAYANA PERUMAL KOIL Tier II Tax Saver Not Activated
Status
STREET
Tier I Virtual Account Not Activated
Address Status
KANCHIPURAM
Tier II Virtual Account Not Aplicable
TAMIL NADU - 600100 Status
INDIA POP-SP Registration 6036785
No
Mobile Number +919003264721 POP-SP Name Kotak Mahindra Bank Ltd, Malad East - Mumbai
Email ID [email protected] Bldg No 21, 5th Floor, Infinity Park, Off W E
POP-SP Address Highway
IRA Status IRA compliant A K Vaidya Marg, Malad (E), Mumbai, 400097
POP Registration No 5000041
POP Name Kotak Mahindra Bank Limited
5th Floor,Vinay Bhavya Complx, 159A CST Road
POP Address Kalina
Santacruz East, Mumbai, 400098

Tier I Nominee Name/s Percentage

DHANALAKSHMI 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 05, January 05, intermediary Investment 12.96%
05, 2025 (in ₹) January 05, 2025 (in ₹) 2025 (in ₹) charges (in ₹) (XIRR)
2025 (in ₹)
(A) (B) (C) D=(A-B)+C E

₹ 27,388.62 21 ₹ 23,820.00 ₹ 0.00 ₹ 3,568.62 ₹ 98.17

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 13,751.59 8,181.49 5,455.54
Holdings(Investments) (in ₹)
Total Units U 211.1057 204.9996 151.7251
NAV as on 03-Jan-2025 N 65.1408 39.9098 35.9568

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 (₹)
(₹) (₹)
15-Apr-2024 By Contribution Kotak Mahindra Bank Limited (5000041), 964.60 0.00 964.60
11-Jun- By Contribution Kotak Mahindra Bank Limited (5000041), 964.60 0.00 964.60
2024
08-Jul-2024 By Contribution Kotak Mahindra Bank Limited (5000041), 1,964.60 0.00 1,964.60
21-Aug- By Contribution Kotak Mahindra Bank Limited (5000041), 964.60 0.00 964.60
2024
13-Sep- By Contribution Kotak Mahindra Bank Limited (5000041), 964.60 0.00 964.60
2024
15-Oct-2024 By Contribution Kotak Mahindra Bank Limited (5000041), 964.60 0.00 964.60

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 163.4400 150.6597 112.1857

06-Apr- (17.01) (9.94) (6.68)

Billing for Q4, 2023-2024 (33.63) (0.2882) (0.2657) (0.1982)
2024 59.0115 37.3997 33.6875
15-Apr- 482.30 289.38 192.92
By Contribution 8.2506 7.7339 5.7429
2024 58.4562 37.4168 33.5922
26-Apr- To unit redemption - on account (59.69) (34.90) (23.41)
2024 of payment of annual (1.0114) (0.9331) (0.6949)
persistency charges to POP 59.0115 37.3997 33.6875

11-Jun- 482.30 289.38 192.92

By Contribution 7.6977 7.6441 5.6202
2024 62.6546 37.8566 34.3258
06-Jul- (15.35) (8.26) (5.59)
Billing for Q1, 2024-2025 (29.20) (0.2339) (0.2166) (0.1615)
2024 65.6111 38.1312 34.6118
08-Jul- 982.30 589.38 392.92
By Contribution 14.9496 15.4532 11.3403
2024 65.7073 38.1396 34.6479
21-Aug- 482.30 289.38 192.92
By Contribution 7.2081 7.4941 5.4679
2024 66.9101 38.6141 35.2821
13-Sep- 482.30 289.38 192.92
By Contribution 7.0504 7.4402 5.4249
2024 68.4067 38.8941 35.5617
05-Oct- (18.43) (10.08) (6.83)
Billing for Q2, 2024-2025 (35.34) (0.2734) (0.2573) (0.1916)
2024 67.4000 39.1662 35.6438
15-Oct- 482.30 289.38 192.92
By Contribution 7.1258 7.3584 5.3814
2024 67.6830 39.3262 35.8488

30-Dec- On account of Rebalancing of (180.23) 115.23 65.00

2024 Assets as per Regulatory (2.8096) 2.8887 1.8080
Requirement 64.1506 39.8888 35.9506
05-Jan-
Closing Balance 211.1057 204.9996 151.7251
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.