NPS Transaction Statement for Tier I Account

Statement Period: From April 01, 2019 to February 12, 2020 Statement Generation Date : February 12, 2020

PRAN 110042771496 Registration Date 05-Dec-12

Subscriber Name SHRI NEETISH KUMAR MAURYA Tier I Status Active
BLOCK NO 2 FLAT NO 24 Tier II Status Not Activated
NEW TYPE VI QTRS Scheme Choice DEFAULT SCHEME SET-UP

INDIAN SCHOOL OF MINES DHANBAD DDO Registration No CGV012577F

Address DDO Name Indian Institute of Technology (Indian School of
DHANBAD Mines), Dhanbad
JHARKHAND - 826004 ADMIN BLOCK, IIT (ISM)
DDO Address
DHANBAD, 826004
INDIA
PAO Registration No 2027244
Mobile Number 9771458839 PAO, Indian Institute of Technology ( Indian
PAO Name
School of Mines), Dhanbad
Email ID NEETISH19@GMAIL.COM
PAO Address Admin Block, IIT ( ISM)
IRA Status IRA compliant Dhanbad, 826004

Tier I Nominee Name/s Percentage

RAM NARESH MAURYA 40%
SUSHMA MAURYA 40%
NEERAJ KUMAR MAURYA 20%

Summary
The total contribution to your pension account till February 12, 2020 was Rs. 1364145.00.
The total value of your contributions as on February 12, 2020 was Rs. 1850265.31.
Your contributions have earned a return of Rs.486120.31 till February 12, 2020.

Current Scheme Preference

Investment Option Scheme Details Percentage
Scheme 1 SBI PENSION FUND SCHEME - CENTRAL GOVT 34.00%
Scheme 2 UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME- CENTRAL GOVT 33.00%
Scheme 3 LIC PENSION FUND SCHEME - CENTRAL GOVT 33.00%

Investment Details Summary

Total Contribution Total Withdrawal Current Valuation Notional Gain / Return of
(Rs) No of Contribution (Rs) (Rs) Loss FY XIRR Invesment(XIRR)
(Rs)
1364145.00 89 0.0000 1850265.31 486120.31 FY XIRR 9.8%

Investment Details - Scheme Wise Summary

Total Net Latest NAV Value at NAV Unrealized Gain /
PFM/Scheme Contribution Total Units (Rs) Loss
(Rs) Date (Rs)
31.3447
SBI PENSION FUND SCHEME - CENTRAL GOVT 462984.55 20138.9431 631249.12 168264.57
11-Feb-2020
UTI RETIREMENT SOLUTIONS PENSION FUND 30.2484
455069.27 20391.0392 616796.31 161727.04
SCHEME- CENTRAL GOVT 11-Feb-2020
30.1878
LIC PENSION FUND SCHEME - CENTRAL GOVT 446087.76 19949.1148 602219.88 156132.12
11-Feb-2020
Total 1364141.58 1850265.31 486123.73

Changes made during the selected period

No change affected in this period
 Contribution/ Redemption Details
Contribution
Date Particulars Uploaded By Employee Employer's Total
Contribution Contribution (Rs)
(Rs) (Rs)
01-Apr-2019 Opening balance 11,11,974.00
PAO, Indian Institute of Technology ( Indian School of
05-Apr-2019 For March, 2019 Mines), Dhanbad(REG NO.2027244),Human Resource 8960.00 8960.00 17920.00
Development

16-May- PAO, Indian Institute of Technology ( Indian School of

2019 For April, 2019 Mines), Dhanbad(REG NO.2027244),Human Resource 9206.00 12889.00 22095.00
Development

16-May- By Arrear - DA ARREARS-DA arr from PAO, Indian Institute of Technology ( Indian School of
2019 1.1.2019 to 31.3.2019 Mines), Dhanbad(REG NO.2027244),Human Resource 740.00 740.00 1480.00
Development
12-Jun- PAO, Indian Institute of Technology ( Indian School of
2019 For May, 2019 Mines), Dhanbad(REG NO.2027244),Human Resource 9206.00 12889.00 22095.00
Development
PAO, Indian Institute of Technology ( Indian School of
05-Jul-2019 For June, 2019 Mines), Dhanbad(REG NO.2027244),Human Resource 9206.00 12889.00 22095.00
Development

07-Aug- PAO, Indian Institute of Technology ( Indian School of

2019 For July, 2019 Mines), Dhanbad(REG NO.2027244),Human Resource 9486.00 13281.00 22767.00
Development

09-Sep- PAO, Indian Institute of Technology ( Indian School of

2019 For August, 2019 Mines), Dhanbad(REG NO.2027244),Human Resource 9486.00 13281.00 22767.00
Development
PAO, Indian Institute of Technology ( Indian School of
07-Oct-2019 For September, 2019 Mines), Dhanbad(REG NO.2027244),Human Resource 9486.00 13281.00 22767.00
Development
11-Nov- PAO, Indian Institute of Technology ( Indian School of
2019 For October, 2019 Mines), Dhanbad(REG NO.2027244),Human Resource 11180.00 15653.00 26833.00
Development
12-Dec- PAO, Indian Institute of Technology ( Indian School of
2019 For November, 2019 Mines), Dhanbad(REG NO.2027244),Human Resource 9910.00 13874.00 23784.00
Development

09-Jan- PAO, Indian Institute of Technology ( Indian School of

2020 For December, 2019 Mines), Dhanbad(REG NO.2027244),Human Resource 9910.00 13874.00 23784.00
Development

07-Feb- PAO, Indian Institute of Technology ( Indian School of

2020 For January, 2020 Mines), Dhanbad(REG NO.2027244),Human Resource 9910.00 13874.00 23784.00
Development
12-Feb-2020 Closing Balance at NSDL CRA 13,64,145.00
 Transaction Details
SBI PENSION FUND SCHEME - UTI RETIREMENT SOLUTIONS LIC PENSION FUND SCHEME -
PENSION FUND SCHEME-
CENTRAL GOVT CENTRAL GOVT CENTRAL GOVT
Date Particulars
Amount (Rs) Amount (Rs) Amount (Rs)
Units Units Units
NAV (Rs) NAV (Rs) NAV (Rs)
01-Apr-2019 Opening Balance 17279.6650 17503.3576 17086.7882
6003.20 6182.40 5734.40
05-Apr-2019 By Contribution for March,2019 211.6500 224.7704 208.2495
28.3638 27.5054 27.5362
16-May- 7512.30 7291.35 7291.35
By Contribution for April,2019 264.0731 265.1477 264.2827
2019 28.4478 27.4992 27.5892
16-May- By Arrear - DA ARREARS-DA arr from 503.20 488.40 488.40
17.6885 17.7605 17.7025
2019 1.1.2019 to 31.3.2019 28.4478 27.4992 27.5892
12-Jun- 7512.30 7291.35 7291.35
By Contribution for May,2019 256.4038 257.2267 255.9311
2019 29.2987 28.3460 28.4895
7512.30 7291.35 7291.35
05-Jul-2019 By Contribution for June,2019 251.6186 252.6752 250.6255
29.8559 28.8566 29.0926
07-Aug- 7740.78 7513.11 7513.11
By Contribution for July,2019 257.8188 259.7445 258.0636
2019 30.0241 28.9250 29.1134
09-Sep- 7740.78 7513.11 7513.11
By Contribution for August,2019 257.2952 259.4852 258.0042
2019 30.0852 28.9539 29.1201
7740.78 7513.11 7513.11
07-Oct-2019 By Contribution for September,2019 257.4681 259.3320 258.4009
30.0650 28.9710 29.0754
11-Nov- 9123.22 8854.89 8854.89
By Contribution for October,2019 299.5983 301.3045 300.5365
2019 30.4515 29.3885 29.4636
12-Dec- 8086.56 7848.72 7848.72
By Contribution for November,2019 265.6077 267.2077 266.8352
2019 30.4455 29.3731 29.4141
09-Jan- 8086.56 7848.72 7848.72
By Contribution for December,2019 261.7721 263.2941 263.5098
2020 30.8916 29.8097 29.7853
07-Feb- 8086.56 7848.72 7848.72
By Contribution for January,2020 258.2839 259.7331 260.1851
2020 31.3088 30.2184 30.1659
12-Feb-2020 Closing Balance at NSDL CRA 462984.55 20138.9431 455069.27 20391.0392 446087.76 19949.1148
 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. '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.
Returns based on Inflows' gives the annualized effective compounded return rate in PRAN account and is calculated using the formula of XIRR. The
5. 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
The section 'Contribution / Redemption Details' gives the details of the contributions and redemption processed in subscribers' account during the
7.
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.
'Transaction Details' gives the units allotted under different schemes / asset classes for each of the contributions processed in subscribers'
8. 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.
The Amount in the Closing Balance under the section 'Transaction Details' refers to the Units Balance in the books of NSDL CRA and it gives the
9. cost of investment of the balance units and not a sum total of all contributions and withdrawals. The cost of units is calculated on a First-In-First-Out
(FIFO) basis.
For transactions with the remarks "To Unit Redemption", the cost of units redeemed are adjusted against the total contribution in the Investment
10. 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.
13.
Due to review of transactions, units allotted to certain subscribers may undergo a change. Review of transactions carried out in order to protect the
interest of subscribers as directed by PFRDA.
14.
On May 1, 2009, PFRDA had revised the allocation ratio of funds (contribution remitted by the PAOs/CDDOs) from 55:40:5 to 40:31:29 for the three
PFMs - SBI, UTI and LIC respectively.
15.
On July 19, 2010, PFRDA has revised the allocation ratio of funds (contribution remitted by the PAOs/CDDOs) from 40:31:29 to 33:32:35 for the three
PFMs - SBI, UTI and LIC respectively.
16.
On July 01, 2011, PFRDA has revised the allocation ratio of funds (contribution remitted by the PAOs/CDDOs) from 33:32:35 to 32.5:34:33.5 for the
three PFMs - SBI, UTI and LIC respectively.
17.
On May 01, 2012, PFRDA has revised the allocation ratio of funds (contribution remitted by the PAOs/CDDOs) from 32.5:34:33.5 to 34:32:34 for the
three PFMs - SBI, UTI and LIC respectively.
18.
On May 15, 2013, PFRDA has revised the allocation ration of funds (contribution remitted by the PAOs/CDDOs) from 34:32:34 to 34:33:33 for the
three PFMs - SBI, UTI and LIC respectively.
19.
For the FY 2014-15 and 2015-16, 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.
20. On Nov 10, 2016, NPS Trust has revised the allocation ratio of funds (contribution remitted by the PAOs/CDDOs) from 34:33:33 to 35:33.50:31.50 for
the three PFMs - SBI, UTI and LIC respectively.
21.
On Nov 06, 2017, NPS Trust has revised the allocation ratio of funds (contribution remitted by the PAOs/CDDOs) from 35:33.50:31.50 to 33:34:33 for
the three PFMs - SBI, UTI and LIC respectively.
22.
On May 07, 2018, NPS Trust has revised the allocation ratio of funds (contribution remitted by the PAOs/CDDOs) from 33:34:33 to 33.50:34.50:32.0
for the three PFMs - SBI, UTI and LIC respectively.
23.
On May 09, 2019, the allocation ratio of funds (contribution remitted by the PAOs/CDDOs) for the default scheme has been revised from
33.50:34.50:32.0 to 34.0:33.0:33.0 for the three PFMs - SBI, UTI and LIC respectively as per the directives received from NPS Trust.
24.
The balances reflecting in your account are based on the contribution amount uploaded by your uploading office (PAO/CDDO). In case there is
no/less/excess contribution for any month, please contact your uploading office (PAO/CDDO).
25. The narration appearing in the Arrear contributions is as mentioned by your office at the time of giving/uploading information to CRA. In case you do
not find clarity in the narration provided, you may kindly contact your PrAO/PAO/CDDO.
26.
There may be more than one credit appearing against a month. This is due to monthly subscription contribution being sent through multiple fund
transfers on different days by the PAO/CDDO.
27. In case you have not filled up S1 form for registration, please fill up the same and submit to your PAO/CDDO.
28.
According to the Regulatory Guideline CRA follows the T+3 Settlement Cycle, Subsequent to execution of the withdrawal request the fund is being
received by the Trustee Bank after three settlement days.
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
29.
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.
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Legends
Term Description
The contributions accumulated up to March 31, 2008 (except for Department of Post) and transferred to NPS by your
Legacy Amount uploading office (PrAO/PAO).
For Department of Post, contributions accumulated up to August 31, 2008 and transferred to NPS by your uploading
office (PrAO/PAO).

Arrears Contributions transferred to NPS as an arrear for the previous months by your uploading office (PAO/CDDO) on
account of pay, pay revision etc. as reflected in the "Particular" column.
Residue amount Amount credited in your account for compensating the residue amount generated against your contributions.
generated re- Residue is generated due to arithmetical limitation of distributing the contributions exactly as per the allocation ratio
credited to the PFMs. PFRDA has re-credited residue amount to PRANs having residue of Re 1.00 and above.
Net Asset Value is the underlying value of one unit, it is computed daily based on the closing market prices of the
NAV securities in the fund's portfolio. The daily NAV is available at https://npscra.nsdl.co.in/nav-search.php Current value
of Contribution in a Scheme = Current NAV of the scheme x Total Units in the Scheme.