CENTRAL RECORDKEEPING AGENCY

NATIONAL PENSION SYSTEM

Transaction Statement-Tier I

Transaction Statement for the Period of Apr 01, 2023 to Sep 30, 2023
Subscriber Details
PRAN 400030563156
SUJEESH SIDHARTHAN KARIPOTE
Statement Date Oct 03, 2023
KARIPOT,
HOUSE, PRAN Generated Date Dec 28,2021
PALAKKAD-679533 IRA Status IRA Compliant
Kerala ,India POP Registration No 1625920
Mob. :9742852046
POP Name BANAYANTREE SERVICES LIMITED
Email ID :[email protected]
POP SP Registration No 1625938
POP SP Name BANAYANTREE SERVICES LIMITED
Tier I Status Active
Investment Option Auto Choice
Life Cycle LC–75:Aggressive Life Cycle
Compliance Details PAN Aadhaar Seeding FATCA
Complied Status Y N Y

Nominee Details

Nominee Name Percentage

SARIKA MK 100.00%

Status as of Sep 30, 2023

Total Contribution (₹) 100000.00
Total Value (₹) 112190.28
Return Earned (₹) 12190.28

Scheme Details Percentage

Scheme 1 HDFC Pension Management Company Limited Scheme E - Tier I 75.00%
Scheme 2 HDFC Pension Management Company Limited Scheme C - Tier I 10.00%
Scheme 3 HDFC Pension Management Company Limited Scheme G - Tier I 15.00%

Investment Details
Account Status as of Sep 30, 2023
Withdrawal/ deduction in
Total Contribution Total Withdrawal Current Valuation Notional Gain/Loss
No of Contributions units towards
(₹) (₹) (₹) (₹) intermediary charges (₹)
100000.00 2 0.00 112190.28 12190.28 186.17

PFM/Scheme Name Total Units Latest NAV Value at NAV Return on Investment
XIRR
Date (₹)
HDFC Pension Management Company Limited 2104.0676 39.9510 84059.60
Scheme E - Tier I
28-Sep-23
HDFC Pension Management Company Limited 456.5310 24.7301 11290.05
Scheme C - Tier I 9.34%
28-Sep-23
HDFC Pension Management Company Limited 705.7500 23.8888 16859.52
Scheme G - Tier I
28-Sep-23
Total 112209.17

Changes made during selected period

Date Tier Type Transaction Type

- - -

Contribution / Redemption Details

Page 1 of 3

KFintech, Tower – B, Plot No 31 & 32,Selenuim Building, Financial district, Nanakramguda, Gachibowli, Hyderabad-500032, Telangana, India.
Toll Free: 1800 208 1516 E-mail ID: [email protected] Web:https://nps.kfintech.com
 Date Particulars Uploaded By Employer Contribution Employee Contribution Total Contribution (₹)

01-Apr-23 Opening balance 100000.00

Total 100000.00

Transaction Details

HDFC Pension Management HDFC Pension Management HDFC Pension Management

Withdrawal/ Company Limited Scheme E - Company Limited Scheme C - Company Limited Scheme G -
deduction in Tier I Tier I Tier I
Date Particulars units towards
intermediary Amount (₹) Units Amount (₹) Units Amount (₹) Units
charges (₹) NAV NAV NAV
Opening Balance 2133.1819 437.9257 682.0558
03-Apr-23 Billing for Q4, 2022- (16.99) (12.74) (0.3625) (1.69) (0.0712) (2.56) (0.1108)
2023
35.1440 23.7334 23.0903
02-Jun-23 Persistency Switch Out (118.00) (88.50) (2.3557) (11.80) (0.4856) (17.70) (0.7451)
37.5681 24.2959 23.7526
07-Jul-23 Billing for Q1, 2023- (16.99) (12.74) (0.3256) (1.69) (0.0694) (2.56) (0.1083)
2024
39.1274 24.3351 23.6365
25-Sep-23 On account of - (1063.44) (26.4330)
Rebalancing of Assets
40.2316
27-Sep-23 On account of - 474.21 19.1603 589.23 24.5476
Rebalancing of Assets
24.7495 24.0035
Closing Units 2103.7051 456.4598 705.6392

Note:
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. 'Total Net Contributions' indicates the cost of units currently held in the PRAN account.
4. 'Unrealized Gain / Loss' indicates the gain / loss in the account for the current units balance in the account.
5. 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.
6. 'Changes made during the selected period' indicates all the change requests processed in PRAN account during the period for which the statement is
generated.
7. 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.
8. '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.
9. The Amount in the Closing Balance under the section 'Transaction Details' gives the cost of investment of the balance units and not a sum total of all
contribution and withdrawal.The cost of units is calculated on a First-In-First-Out (FIFO) basis.
10. 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.
11. The Transaction statement is dynamic. The value and other computations in the Transaction statement depend upon the generation date.
12. 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.
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
- 10% 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.
13. 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
Page 2 of 3

KFintech, Tower – B, Plot No 31 & 32,Selenuim Building, Financial district, Nanakramguda, Gachibowli, Hyderabad-500032, Telangana, India.
Toll Free: 1800 208 1516 E-mail ID: [email protected] Web:https://nps.kfintech.com
 Also note that your employer's contribution upto 10% of your salary is fully deductible from your taxable income.
14. The variations, if any, in Total Contribution in ‘Investment details’ and ‘Contribution/Redemption details’ tables in your statement is due to the
transactions like Billing, Rebalancing and Scheme Change is being displayed due Subscribers where there is such difference
15. Below are the applicable fees and charges (excluding applicable taxes) levied on NPS Subscribers.
Private Government
Intermediary Charge head Service Charges Service Charges Mode of Deduction
PRA Opening through Physical PRAN For physical PRAN Kit - Rs. 39.36
Kit / ePRAN Kit For ePRAN Kit - Rs. 4
CRA Annual PRA Maintenance cost per Rs 57.63 Through cancellation
account of units / Invoice
Charge per transaction Rs 3.36
Initial subscriber registration Min Rs. 200 to Max Rs. 400 NA
(negotiable within slab only)
Initial Contribution/Subsequent upto 0.50% of contribution subject NA
Contribution to Min. Rs 30 and Max. Rs 25000
(negotiable within slab only)
All Non-Financial Transactions Rs 30 NA
e-NPS (for subsequent contribution) 0.20% of the contribution subject NA To be collected
to Min Rs. 15 and Max Rs. upfront
10,000 (only for NPS All Citizen
and Tier II Accounts)
POP Processing of Exit/Withdrawal @0.125% of the Corpus with Min. NA
Rs. 125 and Max Rs. 500
Persistency * Rs 50 p.a for annual contribution NA
Rs. 1000 to Rs. 2999
Rs 75 p.a for annual contribution
Rs. 3000 to Rs. 6000
Rs 100 p.a for annual contribution Through cancellation
above Rs. 6000 of units
(Only for NPS All Citizen)
Trail Commission (Contributions 0.20% of the contribution amount NA
through D-Remit) (Minimum 15 and Maximum
10,000)
* 1.Persistency fee is payable to such POPs to which the subscriber is associated for more than six months
in a financial year
2.Minimum per transaction contribution is Rs. 500 and minimum annual contribution is Rs. 1000
3.GST or other Govt. taxes as applicable, to be additional
Slabs of AUM managed by the Maximum Investment Management Fee(IMF)
Pension Fund
Upto 10,000 Cr. 0.09%*
10,001 - 50,000 Cr. 0.06%
Pension Fund 50.001 - 1,50,000 Cr. 0.05% Adjustment in NAV of
Above 1,50,000 Cr. 0.03% Scheme
* UTI Retirement Solutions Ltd Charges a fee of 0.07% under this slab.
The IMF to be charged 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
Brokerage fee up to 3 basis points is also included in the Pension Fund Charges.
Custodian Asset Servicing charges 0.0032% p.a for Electronic segment & Physical segment
NPST Reimbursement of Expenses 0.005% p.a

16. The information on NPS schemes returns can view by referring to URL : https://npstrust.org.in/weekly-snapshot-nps-schemes

Page 3 of 3

KFintech, Tower – B, Plot No 31 & 32,Selenuim Building, Financial district, Nanakramguda, Gachibowli, Hyderabad-500032, Telangana, India.
Toll Free: 1800 208 1516 E-mail ID: [email protected] Web:https://nps.kfintech.com