NPS TRANSACTION STATEMENT
April 01, 2024 to March 31, 2025
Statement Generation Date :June 20, 2025
05:55 PM
NPS Transaction Statement for Tier I Account
PRAN 110133643764 Registration Date 11-Mar-20
Subscriber Name SHRI GANESAN GOWTHAM Tier I Status Active
8/85A-8/18A Tier II Status Not Activated
SALEM MAIN ROAD Tier II Tax Saver Not Activated
Status
TIRUCHENCODE
Tier I Virtual Account Not Activated
MALLASAMUDRAM Status
Address Tier II Virtual Account Not Aplicable
NK COMPLEX Status
NAMAKKAL CBO Registration No 5753646
TAMIL NADU - 637503 CBO Name City Union Bank Limited
INDIA CBO Address 24B, Administrative Office
Gandhinagar, Kumbakonam, 612001
Mobile Number +918248138575 CHO Registration No 5649033
Email ID NDHANAPACKIAM@GMAIL.COM CHO Name City Union Bank Limited
IRA Status IRA compliant CHO Address 24B, Administrative Office
Gandhinagar, Kumbakonam, 612001
Tier I Nominee Name/s Percentage
DHANAPACKIAM NALLIAPPAN 100%
Current Scheme Preference
Scheme Choice - B
Investment Option Scheme Details Percentage
Scheme 1 SBI PENSION FUND SCHEME E - TIER I 50.00%
Scheme 2 SBI PENSION FUND SCHEME C - TIER I 30.00%
Scheme 3 SBI 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 March 31, Contributions on March 31, March 31, intermediary Investment 11.91%
2025 (in ₹) March 31, 2025 (in ₹) 2025 (in ₹) charges (in ₹) (XIRR)
2025 (in ₹)
(A) (B) (C) D=(A-B)+C E
₹ 8,41,351.08 49 ₹ 5,92,272.76 ₹ 0.00 ₹ 2,49,078.32 ₹ 116.81
Investment Details - Scheme Wise Summary
SBI PENSION FUND SCHEME E SBI PENSION FUND SCHEME C SBI PENSION FUND SCHEME G
Particulars References - TIER I - TIER I - TIER I
Scheme wise Value of your E=U*N 4,21,571.69 2,51,360.02 1,68,419.37
Holdings(Investments) (in ₹)
Total Units U 8,016.0883 5,881.7203 4,177.2646
NAV as on 31-Mar-2025 N 52.5907 42.7358 40.3181
Changes made during the selected period
Date Tier Type Transaction Type
SUBSCRIBER SHIFT
31-Aug-2024 Tier-1 Subscriber Shifting From ::Corporate To :=>Corporate.
23-Jan-2025 Tier-1 Change in scheme preference
Contribution/Redemption Details during the selected period
Contribution
Date Particulars Uploaded By Employee Employer's Total
Contribution Contribution (₹)
(₹) (₹)
08-Aug- For July, 2024 Stock Holding Corporation Of India Limited (5000376), 3,197.20 3,209.00 6,406.20
2024
04-Sep- For July, 2024 Integrated Enterprises (India) Private Limited (5000310), 2,300.00 2,300.00 4,600.00
2024
20-Sep- For August, 2024 Integrated Enterprises (India) Private Limited (5000310), 2,300.00 2,300.00 4,600.00
2024
08-Oct-2024 For September, 2024 Integrated Enterprises (India) Private Limited (5000310), 2,300.00 2,300.00 4,600.00
07-Nov- For October, 2024 Integrated Enterprises (India) Private Limited (5000310), 2,300.00 2,300.00 4,600.00
2024
06-Dec- For November, 2024 Integrated Enterprises (India) Private Limited (5000310), 2,300.00 2,300.00 4,600.00
2024
07-Jan- For December, 2024 Integrated Enterprises (India) Private Limited (5000310), 816.00 816.00 1,632.00
2025
Transaction Details
SBI PENSION FUND SCHEME E SBI PENSION FUND SCHEME SBI PENSION FUND SCHEME
Withdrawal/ - TIER I C - TIER I G - TIER I
Date Particulars deduction in units
towards intermediary Amount (₹) Amount (₹) Amount (₹)
charges(₹) Units Units Units
NAV (₹) NAV (₹) NAV (₹)
01-Apr-
Opening balance 7,759.6809 5,326.8674 3,828.7531
2024
06-Apr- (10.93) (5.63) (3.79)
Billing for Q4, 2023-2024 (20.35) (0.2101) (0.1440) (0.1039)
2024 52.0205 39.0804 36.4440
24-Jun- On account of Rebalancing (37,750.33) 23,879.83 13,870.50
2024 of Assets as per Regulatory 55.5930
(679.0484)
39.7511
600.7338
37.3871
370.9969
Requirement
06-Jul- (12.57) (7.32) (4.89)
Billing for Q1, 2024-2025 (24.78) (0.2196) (0.1837) (0.1306)
2024 57.2189 39.8433 37.4197
08-Aug- 3,203.10 1,921.86 1,281.24
By Contribution for July,2024 56.5678 47.7806 33.8075
2024 56.6240 40.2226 37.8980
02-Sep- To Withdrawal On Account of (4,18,939.13) (2,41,836.72) (1,61,509.31)
(7,136.7706) (5,975.0541) (4,233.3230)
2024 Subscriber Shifting 58.7015 40.4744 38.1519
NPS TRUST- A/C HDFC NPS TRUST- A/C HDFC NPS TRUST- A/C HDFC
PENSION FUND PENSION FUND PENSION FUND
Withdrawal/ MANAGEMENT LIMITED MANAGEMENT LIMITED MANAGEMENT LIMITED
Date Particulars deduction in units SCHEME E - TIER I SCHEME C - TIER I SCHEME G - TIER I
towards intermediary
charges(₹) Amount (₹) Amount (₹) Amount (₹)
Units Units Units
NAV (₹) NAV (₹) NAV (₹)
04-Sep- By Contribution for July,2024 2,300.00 1,380.00 920.00
42.2655 51.5650 34.7509
2024 54.4178 26.7623 26.4741
04-Sep- By Contribution On Account of 4,11,142.58 2,46,685.54 1,64,457.04
7,555.2958 9,217.6509 6,211.9973
2024 Subscriber Shifting 54.4178 26.7623 26.4741
20-Sep- By Contribution for 2,300.00 1,380.00 920.00
41.4248 51.2046 34.4239
2024 August,2024 55.5222 26.9507 26.7256
05-Oct- (18.84) (11.53) (7.68)
Billing for Q2, 2024-2025 (38.05) (0.3490) (0.4260) (0.2875)
2024 53.9680 27.0616 26.7122
08-Oct- By Contribution for 2,300.00 1,380.00 920.00
42.6057 50.9567 34.3715
2024 September,2024 53.9833 27.0818 26.7663
07-Nov- By Contribution for 2,300.00 1,380.00 920.00
43.9668 50.5363 34.2884
2024 October,2024 52.3121 27.3071 26.8312
06-Dec- By Contribution for 2,300.00 1,380.00 920.00
43.0673 50.1571 34.1141
2024 November,2024 53.4047 27.5135 26.9683
07-Jan- By Contribution for 816.00 489.60 326.40
15.9383 17.7013 12.0507
2025 December,2024 51.1972 27.6589 27.0854
11-Jan- (16.19) (10.51) (6.93)
Billing for Q3, 2024-2025 (33.63) (0.3120) (0.3804) (0.2567)
2025 51.8910 27.6256 26.9963
23-Jan- To Withdrawal On Account of (3,87,098.95) (2,62,959.16) (1,73,825.84)
2025 Subscriber Initiated Scheme 49.7307
(7,783.9032)
27.7121
(9,488.9655)
27.1796
(6,395.4526)
Preference Change
SBI PENSION FUND SCHEME E - SBI PENSION FUND SCHEME C - SBI PENSION FUND SCHEME G -
TIER I TIER I TIER I
Date Particulars
Amount (₹) Amount (₹) Amount (₹)
Units Units Units
NAV (₹) NAV (₹) NAV (₹)
27-Jan- By Contribution On Account of 4,11,941.97 2,47,165.18 1,64,776.80
2025 Subscriber Initiated Scheme 8,016.0883 5,881.7203 4,177.2646
Preference Change 51.3894 42.0226 39.4461
31-Mar-2025 Closing Balance 8,016.0883 5,881.7203 4,177.2646
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.)
PRA Opening charges Welcome kit sent in Welcome kit sent vide email Through Unit
(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)
Rs. 50 per annum for annual
POP contribution Rs. 1,000 to Rs. 2,999
Persistency Rs. 75 per annum for annual Through Unit
> 6 months contribution Rs. 3,000 to Rs. 6,000 NA 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
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.
