CENTRAL RECORDKEEPING AGENCY

Transaction Statement for the period of 01-Apr-2013 to 31-Mar-2014

Subscriber Details
PRAN

: 110093474677
: SHRI MOHAN KUMAR

Statement Date
From

: Apr 11, 2016 10:12 AM

Name
Address

: WARD NO 10

Tier-1 Status

: Active

IN FRONT OF LAGAN VASTRALAYA

KARAK MARG
MADHUBANI
BIHAR-847211
INDIA
IRA Status

: 01-Apr-2013

Tier-2 Status

To

: 31-Mar-2014

: Not Activated

Generation Date

: November 12, 2013

Scheme Choice

: DEFAULT SCHEME SET-UP

PAO Reg No

: 2000773

: IRA compliant

Mobile Number

: 8292263435

Email ID

:SHYAMSCOTTAGE@GMAIL.COM

Accounts Office (Ordnance

:
Factory -P), Nalanda
LUKHIA DEVI
SATYANARAYAN KARAK

PAO Name
Nominee Name :

DDO Reg No

: CGV008233B

DDO Name

: GM OF(P) NALANDA RAJGIR

Percentage :

50%
50%

The total contribution to your pension account till March 31,2014 was Rs. 23520.00
The total value of your contributions as on March 31,2014 was Rs. 23859.59
Your contributions have earned a return of Rs. 339.59 till March 31,2014
The details of your Transaction are as under

Scheme Details
SBI PENSION FUND SCHEME - CENTRAL GOVT
UTI RETIREMENT SOLUTIONS PENSION FUND SCHEME- CENTRAL
GOVT
LIC PENSION FUND SCHEME - CENTRAL GOVT

Scheme 1
Scheme 2
Scheme 3

Percentage
34.00%
33.00%
33.00%

Investment Details
Account Status as of 31-Mar-2014
Total Contribution
(Rs)
23520.00

Total Withdrawl
(Rs)
0.0

No of Contribution
3

Current Valuation
(Rs)
23859.59

Notional Gain/Loss
(Rs)
339.59

Latest NAV
Total Net Contribution
(Rs)

PFM/Scheme

Unrealized
Gain /
Return on
Loss
investment(XIRR)
(Rs)

Value at NAV
(Rs)

Total Units
Date
17.1106

SBI PENSION FUND SCHEME CENTRAL GOVT

7996.80

UTI RETIREMENT SOLUTIONS

PENSION FUND SCHEMECENTRAL GOVT

7761.60

LIC PENSION FUND SCHEME CENTRAL GOVT

7761.60

473.6785

8104.92

108.12

7868.88

107.28

7885.79

124.19

23859.59

339.59

28-Mar-14
16.6483
472.6541

19.56%

28-Mar-14
16.7992
469.4149
28-Mar-14

Total

23520.00

Changes made during the selected period

No records found for the selected period

Contribution/ Redemption Details

Contribution
Date

Particulars

Uploaded By

Employee Contribution
(Rs)

Employer's Contribution
(Rs)

Total
(Rs)

01-Apr-13

Opening balance

06-Feb-14

For January, 2014

Accounts Office (Ordnance Factory -P),

Nalanda (REG NO.2000773),Defence

3990.00

3990.00

7980.00

14-Mar-14

For February, 2014

Accounts Office (Ordnance Factory -P),

Nalanda (REG NO.2000773),Defence

3990.00

3990.00

7980.00

By Arrear - ARREARS CONTRIBUTION

Accounts Office (Ordnance Factory -P),

Nalanda (REG NO.2000773),Defence

3780.00

3780.00

7560.00

14-Mar-14

0.00

31-Mar-14

Closing Balance

23,520.00

Transaction Details
SBI PENSION FUND SCHEME - CENTRAL
GOVT
Date

Particulars

Amount (Rs)

UTI RETIREMENT SOLUTIONS PENSION

FUND SCHEME- CENTRAL GOVT
Amount (Rs)

Units
Opening Balance

Amount (Rs)
Units

NAV (Rs)
01-Apr-13

LIC PENSION FUND SCHEME - CENTRAL

GOVT
Units

NAV (Rs)
0.0

NAV (Rs)
0.0

0.0

2713.20
06-Feb-14

By Contribution for January,2014

2633.40
161.8458

16.7641
2713.20
14-Mar-14

By Contribution for February,2014

Closing Balance

7996.80

2494.80
151.3733

16.4811
473.6785

158.6557
16.5982

2494.80
151.7024

16.9437
31-Mar-14

2633.40
159.7830

16.4811

2570.40
By Arrear - ARREARS CONTRIBUTION

160.4538
16.4122

2633.40
160.1303

16.9437
14-Mar-14

2633.40
161.4978

16.3061

7761.60

150.3054
16.5982

472.6541

7761.60

469.4149

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.
Returns based on Inflows' gives the annualized effective compounded return rate in PRAN account and is calculated using the formula of
5.
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.
'Changes made during the selected period' indicates all the change requests processed in PRAN account during the period for which the
6.
statement is generated
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,
7.
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'
account during the period for which the statement is generated. It also contains units debited from the account for redemption and
8.
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' gives the cost of investment of the balance units and not a sum
9.
total of all contribution and withdrawal. 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
10. 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.
The above returns are calculated based on scheme NAVs and the securities held under the scheme portfolio are valued on mark to market
12.
basis and are subject to change on NAV fluctuations.
Due to review of transactions, units allotted to certain subscribers may undergo a change. Review of transactions carried out in order to
13.
protect the interest of subscribers as directed by PFRDA.
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
14.
for the three PFMs - SBI, UTI and LIC respectively.
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
15.
for the three PFMs - SBI, UTI and LIC respectively.
On July 01,2011, PFRDA has revised the allocation ratio of funds(contribution remitted by the PAOs/CDDOs) from 33:32:35
16.
to32.5:34:33.5 for the three PFMs - SBI, UTI and LIC respectively.
On May 01,2012, PFRDA has revised the allocation ratio of funds(contribution remitted by the PAOs/CDDOs) from 32.5:34:33.5
17.
to34:32:34 for the three PFMs - SBI, UTI and LIC respectively.
On May 15,2013, PFRDA has revised the allocation ration of funds(contribution remitted by the PAOs/CDDOs) from 34:32:34
18.
to34:33:33 for the three PFMs - SBI, UTI and LIC respectively.
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
19.
funds between the three PFMs - SBI, UTI and LIC.
The balances reflecting in your account are based on the contribution amount uploaded by your uploading office (PAO/CDDO). In case
20.
there is no/less/excess contribution for any month, please contact your uploading office(PAO/CDDO).
The narration appearing in the Arrear contributions is as mentioned by your office at the time of giving/uploading information to CRA. In
21.
case you do not find clarity in the narration provided, you may kindly contact your PrAO/PAO/CDDO.
There may be more than one credit appearing against a month. This is due to monthly subscription contribution being sent through
22.
multiple fund transfers on different days by the PAO/CDDO.
23. In case you have not filled up S1 form for registration, please fill up the same and submit to your PAO/CDDO.
According to the Regulatory Guideline CRA follows the T+3 Settlement Cycle, Subsequent to execution of the withdrawal request the
24.
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
25.
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.
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.