NATIONAL PENSION SCHEME IN 2022 | TAMIL | NIVAS NARASIMHAN
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National Pension Scheme
NPS is an investment scheme meant for retirement.
Comparison with MF
To relate to some of the keywords in NPS, here is a quick correlation between MF and NPS.
| | Mutual Funds | NPS |
| --- | --- | --- |
| Regulator | SEBI (Securities and Exchange Board of India) | PFRDA (Pension Fund Regulatory & Development Authority) |
| Manufacturer | AMC (Asset Management Company)
40+ AMCs (ICICI, Birla, SBI, etc.) | PFM (Pension Fund Manager)
7 PFMs (SBI, LIC, UTI, HDFC, ICICI, Kotak, Birla) |
| Bookkeeping | RTA (Registrar and Transfer Agent)
CAMS and Kfintech | CRA (Central Record Keeping Agency)
NSDL and Kfintech |
| Account number | Folio numbers
One investor can have multiple folio numbers | PRAN (Permanent Retirement Account Number)
Unique and permanent number per investor across all PFMs. |
| Asset Classes | 20+ asset classes
(Ultra Short, Aggressive Hybrid, etc) | 4 asset classes
E - Equity, C - Corporate Bond, G - Government Bond, A - Alternate |
Tiers:
Investors of NPS need to choose one of the following tiers to make their contribution.
1. Tier I
This is the basic tier in NPS. Investment amount is locked till 60 years of age. At the age of 60, 60% of the accumulated amount can be withdrawn, and the remaining amount will be paid out as a monthly pension. Only Tier I is eligible for tax exemption.
2. Tier II
This is a more flexible tier of NPS, where amount can be withdrawn anytime. This carries no tax benefit. An investor needs to have a Tier I investment before they can invest in Tier II.
Detailed Comparison:-
| | Tier I | Tier II |
| --- | --- | --- |
| Eligibility | Any Indian citizen between 18 & 65 years of age | Members of Tier I only |
| Lock-in | Till the age of 60 years | Nil. |
| Minimum number of contributions per year | 1 per year | Nil, contribution is optional |
| Minimum contribution for account opening | Rs 500 | Rs 1,000 |
| Minimum amount for subsequent contribution | Rs 500 | Rs 500 |
| Minimum number of annual contributions | 1 per year | Not mandatory |
| Tax benefits on contribution | Upto Rs 1.5 Lakh under Section 80C. Upto Rs 50k under Section 80CCD (1B) | No tax benefit |
| Taxation on withdrawal | At maturity, the entire corpus is tax-exempt | The entire corpus can be withdrawn, which is added to income and taxed as per the tax slab one falls in |
Asset Classes:
1. Equity (E):
Scheme invests predominantly in Equity market instruments.
2. Corporate Debt (C):
Scheme invests in Bonds issued by Public Sector Undertakings (PSUs), Public Financial Institutions (PFIs), Infrastructure Companies and Money Market Instruments
3. Government Securities (G):
Scheme invests in Securities issued by Central Government, State Governments and Money Market Instruments
4. Alternative Investment Funds (A):
In this asset class, investments are being made in instruments like CMBS, REITS, AIFs, etc.
Investment modes:
1. Active choice:
Investor can choose allocation in each asset class - E (Equity), C (Corporate Bond), G (Government Bond) and A (Alternate)
2. Auto choice:
1. Aggressive - LC75
In this choice, max 75% is given to E (equity) in the beginning and slowly moves to C and G near retirement age.
2. Moderate - LC50
In this choice, max 50% is given to E (equity) in the beginning and slowly moves to C and G near retirement age.
3. Conservative - LC25
In this choice, max 25% is given to E (equity) in the beginning and slowly moves to C and G near retirement age.
Charges
1. Account opening charge for first time PRAN creation - Rs. 400
2. Contribution processing charge of 0.5% or Rs.30 (whichever is higher) per transaction.
NPS on AssetPlus
Advisor Dashboard
*NPS List*
In the new dashboard, Schemes → NPS shows a screener for various NPS Schemes and Returns. Here you can select Tier and Asset Class from the filters.
*Import existing NPS*
Go to Client Panel → NPS.
If PRAN already exists, click on the button to update.
After saving the PRAN, previous investments are automatically imported.
To initiate a new transaction, click on “Create Transaction” Button.
The advisor can then either send the link to the client via SMS/Email or initiate it in the same system if they are with the client.
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Thanks, well explained. More clarity than a banker explains it👍
Thank you. I worked in Standard chartered bank for 2years
தலைவா நெஜமாவே நீங்க ஜீனியஸ் ஒண்ணுமே தெரியாம எல்லாம் எவ்வளவு பேசுறாங்க இவ்வளவு விஷயம் தெரிஞ்சும் அருமையா விளக்கம் தரீங்க மிக்க நன்றி
Thank you for the appreciation
Hi bro,
Having the following doubts
1. Suppose the investor passed away what will the status
2. Suppose if I can't able to continue what was the status
3. At athe age of 60 i can withdraw 60% post that I will be converted as a pension, post that remaining will be monthly to me. After me it will falls for my nominee. Here how long they will get the pension, Remaining 40% or till their life.
Informative video. Thanks for your efforts in sharing these with the general audience.
Thank you Ibrahim for your comments
Simply superb! A must watch video for youngsters who are spending lavishly without any planning.
Thank you so much sir
Very informative & clear explanations.... Thank u sir.....
Most welcome madhana gopal
Very good explanation Thank you Sir
Welcome sir
very good explanation. Thank you Sir.
Thank you Rani Saravanan for your comments 👍
Fantastic Explanation
Thank you so much
Thanks lot Sir. Very useful information
Read as slide instead of side.
Sir your service is very informative keep going
Thank you so much
At the age of 60, we should be looking for some 3rd party Insurance companies for our annuity.. Isn't that a blocker.. Not sure if someone at the age of 60 will roam around to sort issues with non trustable ins companies..
I am still 35 and i would prefer a total corpus withdrawal at 60 than an annuity..
That's why I'm saying. Don't plan entire retirement Corpus through NPS. Just consider as a good tax saving option. Invest in mutual funds for retirement planning
@@nivasexcites Ya bro i got that.. but do you think its worth saving tax by investing 50K on 80CCD and wait till am 60.. Again saying i am jus 35.. so that's 25 long years.. Only hope is NPS Policy could change for better.. else i was thinking like id rather pay the tax
NPS is not like insurance. Pls google it and see the returns of NPS funds. They are doing well.
@@nivasexcites Ya i know how it works.. but who handles the annuity portion.. its not governed properly is my understanding
@@nivasexcites what if I die before 60, I can't enjoy returns. Waste of life waste of savings waste of tax benefit.
I am investing past 11 years but got 2.7 percentage interest only wasted my savings
பேங்க் அக்கவுண்ட் எப்படி அப்டேட் பண்றதுன்னு சொல்லிக் கொடுங்க
தெளிவான விளக்கம் சார்...எனக்கு 46 வயது...மாதம் எவ்வளவு செலுத்தலாம்...கொஞ்சம் idea தாங்க சார்...thanks
Upto 50000 you can invest for Tax purpose. If your income is 7.5Lakhs plus, then take it.
Sir, what are the differences between National pension scheme(NPS) and Contributory pension (CPS), Few aspects only please.
Cps is mandatory for govt employees. Nps is voluntary investment.
Sir
CPS Amount is invested in NPS or not?
Sir, I think 25% of amount can be withdrawn after 3 years in Tier 1 if needed. Also, if suppose we are investing from early age stage, we can take 3 times with 5 years gap.
You may get details at th-cam.com/channels/izmsN4u7VUq9gZgvadDFEA.html
@@benedictjoseph3832 yes only you can withdraw for child marriage, child higher education, construction of 1st house or for treatment of any critical illness.
😅
😅
If the person doesn't know about this investment policy and if they don't want to take risk, better they can go for AUTO option
Hi dinesh, Still I would just Active choice. Maximum equity allocation is going to be 75% only. So its a balanced fund.
sir well explained
Thank you
Very good Explanation
Thanks and welcome
Sir
1.If possible to deposit yearly?
2.And if possible to break in-between ? 3.can I claim in-between?
1. Yes yearly possible
2.&3. Not possible to break inbetween. Only after age 60, you can take 60%. From Balance amount pension only
@@nivasexcites which is best method to invest in NPS.. like monthly wise small amount.. or lumpsum yearly once..
தோழா இந்த திட்டமெல்லாம் தேவையற்றது ஓய்வூதியர்களுக்கு தேவைப்படுவது அரசுனுடைய பழைய ஓய்வு பெற்று தான் தேவை முதலில் அதை புரிந்து கொண்டு செயல்படுங்கள் நீங்கள் அந்த பொட்டில போடுங்க இங்க பொட்டியில் போடுங்க இந்த வேலையை ஓய்வு பெறுபவர்களுக்கு வேண்டாம் அரசுத்துறை வேலை செஞ்சா அரசு தான் எங்களுக்கு முறையான பழைய வரையறுக்கப்பட்ட ஓய்வூதியமே இருப்பதுதான் அந்தக்கால ஆங்கிலேயர்களுடைய விதி அந்த விதியை யாரும் மாற்றுவதற்கு உரிமை இல்லை, மாற்றக்கூடாது மாற்றவும் முடியாது.
Your side shows Active choice or Active choice (instead of Auto choice)!!! Pls correct the slide.
Thank you. Noted. But I can't change now. Hope you got some insights
Yes sir. Very well explained. Gir the use of beginners, if you can speak slowly, it will be helpful. Otherwise the way you explain with few examples thru slides is great! Bless you.
what if i dont contribute after some years. Also let me know what to do to resume after some years?
Thanks bro for your excellent efforts for this vide
Most welcome. Thank you for the comments
Thanks for the clarification. I have invested in 50k in fiscal year 2023-24 in Tier 1 and 1000 in Tier 2 and showed tax exemption in this fiscal year. I have a question for next year tax exemption do i need to again invest 50K in Tier 1?
Yes. You have to invest every year
No negatives are discussed
I have mentioned. It's nothing but hybrid mutual funds. Suggested only for Tax saving purpose
Super 👍 very good explanation
Thank you
What is the difference between taking NPS with Employer vs Banking
Through bank 50000 only maximum allows for tax benefit. From employer, you can take upto 10% of basic + D.A.
NPS ல் உள்ள பணத்தை 60 வயது முடிந்தவுடன் எப்படி pension பெற மாற்றுவது என்ற விளக்க முடியுமா?
online ல் செய்ய வசதி உள்ளதா?
Useful information, Well explained sir
Thank you Gowtham
Very nice explanation super
Thank you so much
If you have 80 lacks in your bank account how you going to invest that money
When can open the account sir bank Or post office
NPS tier 1 and tier 2 details please
Hi, What details you need.. hope you watched the video
Thanks Good info
I have selected for aggressive options for this year, need your suggestions
👍Good. Pls Continue..
Sir super information Thanks
Thank you so much
Sir, thanks for your video,i have initially subscribed to nps tier1 auto scheme , how can I change it to active choice now
Can you please guide me on this
Thank you
Welcome sir
Procedure for prematured exit in Tier 1
In NPS they take only 650 rupees.
ஒருவர் ஆண்டுக்கு 10 லட்சம் வருமானமாக காண்பிக்கிறார் அவர் Annuity திட்டத்தில் வருடந்தோறும் 5லட்சம் முதலீடு 6ஆண்டுகளுக்கு செய்தால் வருமான வரி துரை இந்த பணத்திற்கு விளக்கமோ, அல்லது எவ்வாறு வந்தது என அபராதம் விதிக்குமா?
Sir ELSS oru video potunga
Today evening new video on Elss I will post. Already i have posted in my channel. th-cam.com/video/xid6SIjtWfw/w-d-xo.html
Sir, One year back I have taken NPS as Voluntary contribution through SBI for 50K additional tax benefit. Six month back I have chosen the option of employer NPS contribution in my organization. will I get tax benefit from both voluntary contribution and Employer contribution . Please clarify the doubt sir.
Yes , bth are tax exempted
Hi Mr. Nivas, thank you for your valuable info on NPS. It really help me to understand the NPS. But I do have a doubt on Tax exemption.
For 80CCE I have fully use the exemption with my insurance and PF.
If I take NPS can I claim the tax benefit 50K in 80CCD.
Because it is confusing with employee contribution & Voluntary Contributions
In the NPS website it is showing that I can only claim the Tax only for voluntary contributions. Kindly give me explanation.
If your basic plus D.A is above 5Lakhs, opt for Employer NPS. otherwise go for individual (voluntary) NPS.
Hi, but with employer contribution can I claim tax benefit of 50k above 80c.
Also if I resign from my employer and become self employed, will it impact my Nps account. Considering every year I make some minimum voluntary contribution post my resignation
@@rskinksr yes. You can claim in 80ccd above 1.5Lakhs. Role employer stops after contribution. Nps money is yours. Nothing to worry
@@nivasexcites (If your basic plus D.A is above 5Lakhs, opt for Employer NPS. otherwise go for individual (voluntary) NPS.)
is this for opening an account or contributions?
Understood sir,
But want to know
80 ccd(1) NPS self contribution 50 k limit and
80ccd(2) contribution through employer by 10% of basic + DA available for corporate model employees contribution.
Is it right? Shall we claim both separately.
Please clarify sir.
Yes correct we can claim both..
@@lalithkumarrajendran what is the way to claim both? I remember one citizen can open only one NPS account.
@@spm3365 1. you need to contact your employer and they will deduct some amount from salary and deposit in NPS account. No need to claim anywhere as it will be auto claimed..
2. You can deposit 50k and claim that in 80 ccd (1).
Both are done in NPS tier 1 account..
@@lalithkumarrajendran So voluntarily we can put our contribution upto 50k to show it under ccd(1) while the employer's deducted amount for contribution will be shown under ccd(2) automatically. - right?
If Yes, then what is the way that we put our voluntary contribution to the account created by Employer? Will we be able to do it via Postal?
@@spm3365 yes.. We can login to account and contribute any amount but only 50k we can claim for tax exemption.. We can use PRAN to login either in web or mobile app and contribute.. Ccd(2) will be automatically tracked so no need to manually do anything..
Good explanation sir
Thank you
Very informative video. I have one doubt. Is New Pension Scheme and National Pension Scheme are different are same.. Please respond immediately.. I am waiting for your reply
What about employer contribution benefits in tier 1 ?? 50k employee contribution is shown as 80ccd. I have provided option from employer to contribute 10 percent of basic pay in NPS for tax exception
If you are under a higher tax bracket, you can take upto 10% of Basic+DA in employer NPS
@@nivasexcites Thank you bro 😊
@@nivasexcites In this case, Can we use employer NPS (10%Basic+DA) contribution and show it in 80CCD-2, And in parallel contribute voluntarily at Post office and show it in 80CCD-1B (max limit of 50K) ?
Is it mandatory to pay every year? What happens if we stop pay after one year or in between sir?
Second question, if the payee dies before 60 years, how will the Settlement happen?
Minimum 6000 per annum has to be invested. If not account will be freezed. To unfreeze, you have to pay the dues and 100rs fine per year. After 60, if your balance is lessthan 5Lakhs, you can withdraw fully. If you are not there, your nominee will receive the amount.
@@nivasexcites thanks for the info brother.
Super sir nice explanation
Thank you so much
Nice explanation ji., pls help me to get this acc opened mainly for tax purpose
Pls download our Investor App - www.assetplus.in/mfd/Excitemutual . Then type NPS in chatbox
How to change KFINTECH to NSDL through online? For corporate nps my office said i should have account in NSDL.
Hi Dinesh,
You need to contact your POP service provider. You need to submit 'Inter CRA Shifting form' (ICSS form) to the POP.
Sir as a central govt employee can i invest in HDFC PFM or should i choose between SBI/LIC/ UTI only
Did you analyse inflation after 30 year?? NPS WASTE OF MONEY BRO
So what is the option to save tax beyond 80c? Did you watch the video till the end?
No one can predict what will happen after 30 years. Even MF you cannot guarantee you will get good returns.. world keeps changing all the time.
I am facing a maintenance case, will it affect my NPS account if there is an order of attachment from the court?
Informative..
Thank you
Sirநான் private companyயில் வேலை பார்த்து கொண்டிருந்தேன் இப்போ வேலையவிட்டு வந்து 3yrs ஆயிடுச்சு
இப்போ என் ac open பன்னி பார்த்தா last transaction freezon on ac less then 1000 இப்படி காட்டுது online payment epati katuvathu 60001 இந்த மாதிரி நம்பர் வரும் அதில் கட்டனும்சொல்ராங்க எனக்கு புரிய வில்லை இதற்கு பதில் சொல்லுங்க sir
Thanks sir
Welcome
currently I am planning to invest 4k per month but in future whether I can reduce the amount to 500?
Yes. You can
Higher pension vs nps sollunga sir
Sir pls guide me to open nps account
very useful information sir. sir is kotak life...have smart life scheme is carentee like govt .Lic. pls help us. can we invest kotak smart life.
Pls avoid life insurance policies for investment. Take only term insurance.
ஐயா 40 வருடம் வேலைசெய்து என் பி எஸ்நீங்க கொடுகிர பென்சன் 1000 ரூபாயில் வாழமுடியுமா
It's all about how much you invest. If you invest, 2000rs monthly for 20yrs, you will get 10000monthly. If you invest 2000monthly for 40yrs, you will get 1.3Lakhs monthly. How you are saying 1000?
Sir suppose if am investing for 3 yrs and then stopped investing means what will happen
Sir enga husbandku 30 yrs he is working building Mason ( daily labour) which scheme is best
Apy
Tier2
Its a waste
I think ur point of ppl esrning more than 7 lakhs to invest is absolutely wrong. They need to start early in their career so the corpus returns are better for retirement.
Hi prem, Nps is a tax saving investment. But returns are lower than Mutual funds. Nps works like a Hybrid mutual funds. So that's why I suggested to consider as a tax saving tool. So till 7lakhs it's not required.
@@nivasexcites sir i have a doubt .. will a government old pension scheme guy invests in nps . Will he get both pensions after retirement??
@@ok.ik679 yes. This is voluntary.
@@nivasexcites no my question is not that sir. Old pension guys won't get the old pension schemes ?? Like who got job before 2003 .
@@ok.ik679 old pension is scrapped sir. This is only a tax saving and self made pension option.
Really nice
Thank you
Gov pensioner NPS apply pannalama employers NPS edutha government pension difficult varuma
Could you please help me on how to change individual subscriber to corporate subscriber
Thanks
Welcome
Hi, For 52yrs getting 10Lk plus means will you recommend for NPS?
If you need tax savings under 80ccd, yes.
@@nivasexcites Thanks
Good clarity in explanation
Thank you
Above age 61 இன்வெஸ்டு பண்ணவாமமா அதிகபச்ச வாயது எவ்வளவு
For Tax benefit purpose you can take. Not required for investment purpose.
Shall I pay one year yearly then remaining years in monthly, is that possible can you suggest
Yes possible
Bro enaku oru doubt
My monthly investment:5000
Expected return% on investment= 10% vachipom
En age:25
So nan 35 years ku invest paneen nha I'll get 1.9crore something
Idhu oru pakkam...now indha investmemt la naan
Annuity purchase % = 40% vaikren
And expected annuty rate= 10% vachikren
Based on above said breakup
Enoda lumpsum: 1.1cr varum
Enoda annuity: 76 lakhs varum
(Nps calculator la kaatuna data)
Now ipa enaku pension pathaa monthly 60k varum mu calculator soludhu...but till when indha 60k varum... 🤔🤔 Like 76lakhs la irundhu 60k monthly monthly deduct pani tharuvangala..apo indha 76 lakhs annuity runout aaita enaku pension varaadha? Ilaa totally this 60k is not related to my annuity sum ah...naan dead aagi an wife dead aagra varaiikum indha 60 vandhutee irukuma? How it works please help
Ila en annuity understanding thappa bro ..
Kindly excuse me .enaku annuity concept eh purila so en que silly ah irundha manichuringa
One mistake you have assumed. Annuity rate is 5% only. Your corpus amount will be with pension fund. You will get 5%(current rate) till you are alive. After that your nominee will get entire 76Lakhs amount.
@@nivasexcites thank you for replying bro🙏
1.5 lakhs ELSS la 80c ku invest pannitu 50k mattum NPS la potta 80CCD benefit kidaikuma sir?
Yes
Hi bro.. how I modify the percentage of E,C,G..
Very good information.
Shall i pay yearly once?
File size 4kb to 2 MB only
@@SivarajSiva322 noted. Thank you
Yes you can pay yearly.
Thanks for the information.
Can I open both apy and nps.?
I already have apy on post office, how to change from post office account to ICICI?
I have pran number on apy,if I open nps on ICICI, will i get new pran or its will merge with my old pran?
Can you please clarify on my doubt
Only One PRAN allowed. You can link Apy and NPS in same PRAN.
@@nivasexcites Sir, the APY PRAN is different from NPS PRAN, a subscriber can not link these PRANs
Is this compulsory to invest 50k in TIER 1, for investing in TIER 2?
Avoid Tier 2. Invest in MUTUAL FUNDS
Sir எனக்கு Canara bank SBI இந்த இரண்டு bank a/c இருக்கு . இதில் எந்த bank யில் NPS + PPF துவங்க சிறந்து
No difference. You can with your comfortable bank
@@nivasexcites thanks
Sir one doubt. 2 ELSS open pannitu renduthulaiyum tax save panna mudiyuma
Yes. Two funds put together Maximum limit is 1.5L.
How to get PRAN no.?
Ipo en age 42 na potta enaku benefit ah iruku na sir oru 25000 pention vanganum na na monthly evlo podalam
If you want to save income tax beyond 80c, you can take. Otherwise invest in mutual funds
Hello sir,
Nan already LIC la plan vangi irukkan under 80c.
Still ennala nps la 80ccd 1b claim panna mudiyuma?
Yes. You can invest additional 50k in NPS apart from 1.5L in 80c
What in case of demise during investing in NPS, will we get a paid amount additionally added ?
Paid amount with market value will be paid to Nominee
@@nivasexcites Any calculations in market value?
@@gokulakrishnanj4267 you can expect 8% to 10% returns from NPS
@@nivasexcites Thanks for the details
Nice
Thank you
Hi sir nps 80 cc illama 80 ccd directa invest panlama.. athavathu 50 thousand directa 80ccd tax benefits la kattalama
Yes. You can show
@Anna please upload video for "How to avail tax benefit for HRA and Home loan simultaneously"...I have doubt can we avail both or not...
Please help me here with your valuable information
Sure
Sir say about nps scheme demerits
Its only for tax savings
Whether I can plan 100 percent annuity, hope after my lifetime my nominee will get the full payment ?
Yes. You can plan 100% annuity. You have to choose with purchase price option.
Thanks sir
Sir monthly monthly avangalae amount account la irrunthu edupangala illa namma monthly monthy contribute pananum ah sir?
Both option available
@@nivasexcites thanks for the reply sir
இத எங்கு சென்று எடுக்கனும் sir
Online or Post office
Super bro
Physical pran mean?
Sir , last week applied partial withdrawal and received amount. Is it taxable sir?
No
Info good
Thank you Suresh
Section is wrong