MAINAK DEBNATH

Statement Period: Nov 1, 2015 to Nov 30, 2015

Your Citibank Account Statement as on Dec 1, 2015

Page 1 of 6
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 NOV-15 (INR) = 74783.76

Relationship Type

Currency

Assets

Liabilities

101690.44

24000.00

Investments

Overdrafts

Current Account(s)
Savings Account(s)

INR

USD Checking A/C(s)

Deposits Account(s)

INR

Loans : Principal O/S

15057.85

Insurance

Share Trading A/C(s)

125690.44

15057.85

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
As per the notification from the Government of
India , Swachh Bharat Cess of 0.5% will be
applicable on the value of all services.
Accordingly, the effective rate of service tax
on banking services will be 14.5% from 15th
November,2015.

MAINAK DEBNATH

Statement Period: Nov 1, 2015 to Nov 30, 2015

Your Citibank Account Statement as on Dec 1, 2015

Page 2 of 6

Savings Account Details for Account Number:

5-6XX1XX-X18 In INR
-

Home

Opening Balance: 107900.54

Date

Transaction Details

Withdrawals (INR)

02Nov15

Payment for Credit Card No. 4386 XXXX XXXX 2704

1108.77

02Nov15

Payment for Credit Card No. 4386 XXXX XXXX 3906

22175.33

02Nov15

EFT TO

12500.00

Deposits (INR)

Balance(INR)

UTR#CITIN15598600410-KODANDAPANI
THAMMISETTI-SA-10481130000883-HDFC
BANK-KARNATAKA-BOMMANAHALLY02Nov15

EFT TO

16000.00

UTR#CITIN15598600414-KAUSHIK
DEBNATH-SA-031265168006-HSBC-KOLKATA-MAIN BRANCH,
KOLKATA
HSBC07000
02Nov15

ATM WITHDRAWAL
Card no.: 5081XXXXXXXX0301 Ref: 4755
MINDS TECH PVBANGALORE

03Nov15

5000.00

51116.44

2000.00

49116.44

5000.00

44116.44

5000.00

39116.44

6000.00

33116.44

+HAPPIEST

KAIN

STANDING INSTRN
For RD Booking-154609-0012

11Nov15

ATM WITHDRAWAL
Card no.: 5081XXXXXXXX0301 Ref: 5321
MINDS TECH PVBANGALORE

23Nov15

ATM WITHDRAWAL
Card no.: 5081XXXXXXXX0301 Ref: 5664
MINDS TECH PVBANGALORE

26Nov15

+HAPPIEST

KAIN

ATM WITHDRAWAL
Card no.: 5081XXXXXXXX0301 Ref: 5867
MINDS TECH PVBANGALORE

30Nov15

+HAPPIEST

KAIN

NEFT INWARD

+HAPPIEST

KAIN
68574.00

101690.44

MAINAK DEBNATH

Statement Period: Nov 1, 2015 to Nov 30, 2015

Your Citibank Account Statement as on Dec 1, 2015

Page 3 of 6
Date

Transaction Details

Withdrawals (INR)

Deposits (INR)

Balance(INR)

74784.10

68574.00

101690.44

NEFT IN UTR CITIN15607710928 FROM HAPPIEST MINDS

TECHNOLOGI
KKBKH15334470756T BLOCK 2 VELANKANI TECH
CLOSING BALANCE
FUNDS ON EARMARKING / HOLD

0.00

CLOSING AVAILABLE BALANCE

Deposit Account Details

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

101690.44

Home

: 154609 ( RECURRING DEPOSIT ** )

Original
Principal (INR)

Current
Principal (INR)

24000.00

24000.00
24000.00

Interest
Earned ( INR)

Terms

Maturity
Date

Maturity
Amount (INR)

Tnr-012M
7.75%

03Dec15

25027.00
25027.00

Maturity
Instruction

MAINAK DEBNATH

Statement Period: Nov 1, 2015 to Nov 30, 2015

Your Citibank Account Statement as on Dec 1, 2015

Page 4 of 6

Disclaimer: The nominee on the Multi Deposit will be the same as that on the linked banking account.
* The amount of Interest earned till November 30, 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.

Credit Card Details:

CARDS (INR)
REWARDS CARD
TOTAL

of MAINAK DEBNATH

Home

CARD NUMBER

BILL DATE

MINIMUM DUE

BILL AMOUNT

4386 XXXX XXXX 3906

15Nov15

752.89

15057.85

752.89

15057.85

MAINAK DEBNATH

Statement Period: Nov 1, 2015 to Nov 30, 2015

Your Citibank Account Statement as on Dec 1, 2015

Page 5 of 6

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

Home

Card No

Available Points

5081XXXXXXXX0301

20

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

586.00

0.00

586.00

MAINAK DEBNATH

Statement Period: Nov 1, 2015 to Nov 30, 2015

Your Citibank Account Statement as on Dec 1, 2015

Page 6 of 6
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.