NPS TRANSACTION STATEMENT

April 01, 2022 to March 31, 2023

Statement Generation Date :January 05,

2025 11:47 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 Contribution Total Withdrawal Total Notional
Holdings(Investme No of in your account as as on Gain/Loss as on
nts) on Return on
Contributions March 31, 2023 (in March 31, 2023 (in Investment -1.14%
as on March 31, March 31, 2023 (in ₹) ₹)
2023 (in ₹) ₹) (XIRR)
(A) (B) (C) D=(A-B)+C

₹ 3,416.89 4 ₹ 3,421.80 ₹ 0.00 ₹ (4.91)

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 1,689.44 1,035.66 691.79
Holdings(Investments) (in ₹)
Total Units U 39.1311 30.0134 22.4854
NAV as on 31-Mar-2023 N 43.1740 34.5068 30.7666

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-Jan- By Contribution Kotak Mahindra Bank Limited (5000041), 492.60 0.00 492.60
2023
13-Jan- By Contribution Kotak Mahindra Bank Limited (5000041), 964.60 0.00 964.60
2023
20-Feb- By Voluntary Contributions eNPS - Online (5000682), 1,000.00 0.00 1,000.00
2023
28-Mar- By Contribution Kotak Mahindra Bank Limited (5000041), 964.60 0.00 964.60
2023

Transaction Details
KOTAK PENSION FUND SCHEME E KOTAK PENSION FUND SCHEME KOTAK PENSION FUND SCHEME G
- TIER I C - TIER I - TIER I
Date Particulars
Amount (₹) Amount (₹) Amount (₹)
Units Units Units
NAV (₹) NAV (₹) NAV (₹)
01-Apr-2022 Opening balance 0.0000 0.0000 0.0000
09-Jan- 246.30 147.78 98.52
By Contribution 5.5295 4.3399 3.2645
2023 44.5423 34.0508 30.1789
13-Jan- 482.30 289.38 192.92
By Contribution 10.8935 8.4893 6.3668
2023 44.2740 34.0876 30.3006
20-Feb- 500.00 300.00 200.00
By Voluntary Contributions 11.2709 8.7767 6.5769
2023 44.3619 34.1811 30.4091
28-Mar- 482.30 289.38 192.92
By Contribution 11.4372 8.4075 6.2772
2023 42.1692 34.4189 30.7333
31-Mar-2023 Closing Balance 39.1311 30.0134 22.4854
 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.)
physical only Deduction

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

Charge per transaction Rs. 3.75 Through Unit

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)
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
Upfront deduction
0.20% of contribution,
Contribution through eNPS Min. Rs.15 Max. Rs.10,000 NA from contribution
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.