MAINAK DEBNATH

Statement Period: Oct 1, 2015 to Oct 31, 2015

Your Citibank Account Statement as on Nov 1, 2015

Page 1 of 5
Branch Address:
CITIBANK N.A
BOMBAY MUTUAL BUILDING
293, D.N. ROAD
FORT
MUMBAI - 400001

Branch Phone No : 02240765172

IFSC
: CITI0100000
MICR code
: 400037002

A summary of your relationship/s with us:

Net Relationship Value for OCT-15 (INR) = 40121.96

Relationship Type

Currency

Assets

Liabilities

107900.54

22000.00

Investments

Overdrafts

Current Account(s)
Savings Account(s)

INR

USD Checking A/C(s)

Deposits Account(s)

INR

Loans : Principal O/S

22175.33

Insurance

Share Trading A/C(s)

129900.54

22175.33

Cards : Latest Bills

INR

TOTAL (INR)

HOLDERS
1. MAINAK DEBNATH
Nominee Details for the following Accounts/Deposits
1. 56XX1XXX18 NOMINEE NOT REGISTERED
Did you know that this statement also contains details on

Important Information
Please note, RBI has recently launched an
online module to facilitate reporting of Foreign
Direct Investment through its eBiz portal
https://www.ebiz.gov.in/servicesbook.
This module facilitates the reporting of:
1. Foreign Currency Transfer of Shares
(FCTRS), Advance Remittance Form (ARF) &
FC-GPR Form
Note: Physical filing of returns will be
discontinued within three months of press
release.
For details, refer RBI Press Release # 20152016/481 dated 24th Aug on www.rbi.org.in

MAINAK DEBNATH

Statement Period: Oct 1, 2015 to Oct 31, 2015

Your Citibank Account Statement as on Nov 1, 2015

Page 2 of 5

Savings Account Details for Account Number:

5-6XX1XX-X18 In INR
-

Home

Opening Balance: 35725.54

Date

Transaction Details

01Oct15

EFT TO

Withdrawals (INR)

Deposits (INR)

Balance(INR)

12500.00

23225.54

2000.00

21225.54

5000.00

16225.54

UTR#CITIN15588155345-KODANDAPANI
THAMMISETTI-SA-10481130000883-HDFC BANK-K
03Oct15

STANDING INSTRN
For RD Booking-154609-0011

09Oct15

ATM WITHDRAWAL
Card no.: 5081XXXXXXXX0301 Ref: 3838
MINDS TECH PVBANGALORE

14Oct15

+HAPPIEST

KAIN

IMPS INWARD ORG

1000.00

17225.54

90675.00

107900.54

91675.00

107900.54

IMPSTO GOUTAM MUKHERJEE xxxxxxx705 HDF REF NO: 528714171700 pls transfer
30Oct15

NEFT INWARD
NEFT IN UTR CITIN15597933349 FROM HAPPIEST MINDS
TECHNOLOGI
KKBKH15303446719T BLOCK 2 VELANKANI TECH
CLOSING BALANCE

19500.00

MAINAK DEBNATH

Statement Period: Oct 1, 2015 to Oct 31, 2015

Your Citibank Account Statement as on Nov 1, 2015

Page 3 of 5

Deposit Account Details

FIXED DEPOSIT
Deposit No./
Booking Date
0001-00
03Dec14
TOTAL

Home

: 154609 ( RECURRING DEPOSIT ** )

Original
Principal (INR)

Current
Principal (INR)

22000.00

22000.00
22000.00

Interest
Earned ( INR)

Terms

Maturity
Date

Maturity
Amount (INR)

Tnr-012M
7.75%

03Dec15

25027.00

Maturity
Instruction

25027.00

Disclaimer: The nominee on the Multi Deposit will be the same as that on the linked banking account.
* The amount of Interest earned till October 31, 2015 is based on the original tenor of the deposit. If you opt for premature closure or withdrawal, this amount will
be recomputed. ** For Recurring Deposit, the booking date is the date on which the first installment gets booked. Original & Current Principals are the principals
paid to date. Date of last Installment will be one month prior to the maturity date mentioned. Tnr stands for the tenor of the Recurring Deposit.

MAINAK DEBNATH

Statement Period: Oct 1, 2015 to Oct 31, 2015

Your Citibank Account Statement as on Nov 1, 2015

Page 4 of 5

Credit Card Details:

CARDS (INR)
REWARDS CARD

of MAINAK DEBNATH

CARD NUMBER

BILL DATE

MINIMUM DUE

BILL AMOUNT

4386 XXXX XXXX 3906

15Oct15

1108.77

22175.33

1108.77

22175.33

TOTAL

Banking Reward Points for the A/C : 5-6XX1XX-X18

Card No
5081XXXXXXXX0301

Home

Home
Available Points
20

MAINAK DEBNATH

Statement Period: Oct 1, 2015 to Oct 31, 2015

Your Citibank Account Statement as on Nov 1, 2015

Page 5 of 5

TDS Details:

INTEREST EARNED / TDS DETAILS : YEAR TO DATE (FOR 2015 - 2016)

Deposit no.
154609-0001-00

Home

Interest Applied/Credited

TDS Deducted

Net Interest Applied/Credited

466.00

0.00

466.00

Kindly note that the consolidated TDS/Form 16 for the quarter will be sent to you at the end of the quarter. The Interest Applied/Credited shown is as on the
Interest application date. This will change during the F.Y, if any preclosure of deposit is done. TDS will be applied if the interest earned is greater than or equal to
10000. TDS rate is inclusive of Base TDS rate, Surcharge, if applicable and Education Cess. TDS Deduction is done on the total interest earned / applied at
Account level Deposits.

Net Relationship Value (NRV) is an aggregate of the average value of certain relationships you hold with us, calculated on a monthly basis. It not only considers the
savings balance in your account but also includes your fixed deposits (FD's), investments & insurance policies taken through Citibank, outstanding principal on
Citibank Home Loans and a part of the holdings in your Citibank Demat Account.
For example, if you have subscribed to investments worth Rs. 1.5 lakhs through your Citibank account and have Rs. 50,000 in an FD, then your NRV is Rs. 2 lakhs,
even if the balance in the savings account is nil.
Below is a working example of how the NRV is calculated:
Holdings

Rs.

___________________________________________________

___________________ ____________________________________________________________________________________________________________________________________________________

a) Current/Savings Account

25,000

___________________________________________________

___________________ ____________________________________________________________________________________________________________________________________________________

b) Fixed Deposit

25,000

___________________________________________________

___________________ ____________________________________________________________________________________________________________________________________________________

c) Mutual Funds

40,000

___________________________________________________

___________________ ____________________________________________________________________________________________________________________________________________________

d) Loans against securities

25,000

___________________________________________________

___________________ ____________________________________________________________________________________________________________________________________________________

e) Demat Holdings

1,00,000

___________________________________________________

___________________ ____________________________________________________________________________________________________________________________________________________

f) Insurance Premium

10,000

___________________________________________________

g) Mortgage/Home Loan
___________________________________________________

Average Monthly Relationship Value

Description
Average for the Month,Calculated based on total of daily end of day balance/total number of days.
Daily end of day balances Principal amount/total number of days.
Daily end of day balances/total number of days
Daily end of day balances/total number of days
25% of the demat average balance.Demat average balance=Sum (non pledged shares x Market rate)
Sum of total premium paid**

___________________ ____________________________________________________________________________________________________________________________________________________

5,00,000

Outstanding principal amount

___________________ ____________________________________________________________________________________________________________________________________________________

6,50,000

a+b+c+d+25%xe+f+g

**Towards active indivdual life insurance policies with the account holder as proposer.

W.e.f. 1st April 2015, you will get an additional one month to build up your Net Relationship Value (NRV) in case it falls below the required threshold. Further, we
have revised the NRV non-maintenance charges to only 1% of the NRV shortfall or Rs. 600, whichever is lower, applicable only if you are not able to maintain the
NRV by the end of the next month. The shortfall will be calculated on the higher NRV maintained across the two consecutive months.
For Example: Account with monthly NRV threshold = Rs. 1 lakh;
Scenario 1: Your monthly NRV is Rs. 80,000 and hence, shortfall = Rs. 20,000 -> Charge levied on your account @ 1% of Rs. 20,000 or Rs. 600, whichever is lower;
therefore, charge = Rs. 200
Scenario 2: Your monthly NRV is Rs. 30,000 and hence, shortfall = Rs. 70,000 -> Charge levied on your account @ 1% of Rs. 70,000 or Rs. 600, whichever is lower;
therefore charge = Rs. 600
Please note that the above example is for illustration purpose only.Threshold for the account varies basis the type of account held with the bank.
To know more on how to build up your NRV and to help you understand the above changes better, please visit www.citi.co.in/nrvfaq.htm.