Unified Pension Scheme (UPS) Explained | How is UPS different from NPS & OPS? | UPSC GS 3
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In this video, we provide a comprehensive explanation of the Unified Pension Scheme (UPS), focusing on how it differs from the National Pension System (NPS) and the Old Pension Scheme (OPS). We analyze the key features, benefits, and challenges of UPS, making it relevant for your UPSC GS3 preparation. This discussion is crucial for understanding India's evolving pension framework and its implications for economic and social policies. Join StudyIQ IAS as we break down these pension schemes to enhance your exam readiness.
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In this video, we explain the Unified Pension Scheme (UPS) and how it differs from NPS and OPS. It would be also helpful for UPSC GS 3 preparation, this video breaks down the key features and comparisons to help you understand pension reforms in India.
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#UNIFIEDPENSIONSCHEME #NATIONALPENSIONSCHEME #OLDPENSIONSCHEME #NPS #OPS #PENSIONSCHEME #UPSCPREPARATION #UPSCCSE #UPSCGS #CURRENTAFFAIRS #PENSION #PENSION_NEWS #WELFARESCHEMES #INDIANGOVERNMENTSCHEME #STUDYIQ #STUDYIQIAS #CIVILSERVICEEXAM
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Correction DR
ऐसा लग रहा है कि आप अटल और Nps को support करते है
Pension ki history btane ki jagah agar ups pe thodi taiyari karke aate to jyada achha rahta hai.
Baki ups ke bare me jitna aapne btaya hai utna har jagah tair rha hai
Ups ke barey mein theek se padh kar hi le ate . Kuch dhang se nahi bata rha hai . Salary calculation ke saath pension calculation hi dikha lete
You can't satisfy everyone. It is eternal truth. To me NPS is far better as it is connected to stock investment.
Then choose nps..
NPS is better than UPS
Note by Faculty:
Lump Sum Payment: In addition to gratuity, employees will receive a lump sum payment at retirement equivalent to 1/10th of their monthly emoluments (pay + DA) as of the retirement date for every completed six months of service. This payment will not affect the amount of the assured pension.
Thoda sidha samjhao bhai
NPS.. stands for National pension scheme not new pension scheme
@@shrikantkumar2635Inko khud nii pta is point ka mtlb isliye sidha sidha copy paste kar diya
Yahi to asli khela hai, 10percent hi milega. 90 percent govt. K pass.
Atleast nps me 60percent mil to jata tha.
@@shrikantkumar2635 har 6 mahine ki service pe one month ki salary(basic+Da) ka 1/10th amount milega..for an example,,agr aapki 1 month ki basic +da 1 lakh hai toh..apko 33 years ki service mein 66, 6 months complete kiye honge us hisab se aapko lumpsum 1,00,000*1/10*66=6,60,000 milega...jitna abhi tak smjh aa raha hai wo yahi hai
Firstly GPF means General Provident Fund
Second, there is a maximum limit of GPF deduction in a year is 5lac
EL is calculated on emoluments i.e., Basic Pay + DA and maximum limit of EL is 300days.
4th Pension is 50% of the Basic Pay only not on emoluments.
Under UPS scheme, Assured Pension and Family Pension will be calculated on the average og last basic pay drawn not on salary.
And under UPS, the minimum assured pension would be given to those who have completed minimum 10years of his service not for completing less than 10years service.
GPF means general provident fund not gross provident fund.
Bhai Inko ko To Avi pata nehi ki last months ka Basic pay Pensions Calculate hota ha naki Salary pay😂😂😂
Sir, NPS doesn't stand for New Pension Scheme. It's National Pension System, as renamed long time ago.
Bs kr
Lol!
@@prikshitawasthi4568 abe pagal sahi bol raha hai woh
In explanation of ops you should to mention pension is 50% of basic pay
All the leaders who call themselves social workers take pension along with salary, but government employees are appointed as government employees, then why should they not get OPS?
with OPS we are putting burden or large TAX on new generation .... or mera paisa public ke naukaro m baatne ke liye nahi ha
OPS is dangerous for Indian economy.
bs rr bhai
Tu mat le beta...
Ye itna hi bekar hai to sabhi neta logo ko bhi bandh karva do na fir aaye bade salah Dene
Support you bro
Foot le
Pahle apni aukaat banaa lene ki😅😅
With OPS we will be burdening younger generation with higher taxes.
NPS has an option of selecting the mix of equity and bonds which can be changed every year.
Pension funds generally generate 11-12percent returns which is higher than PF.
We also get tax benefit on 50k.
Low yields in our NPS ac are entirely because of our mistakes.
NPS is basically a low cost mutual fund.
Then opt for nps when govt. Will ask
Haan abhi to tax bhot kam hai😂😂😂
@lokeshnaiduboya1816 chose LC50 as your plan, I'm getting over 20% XIRR returns in NPS since I joined in last year March
Nps is better
@@MANOJGUPTA-qu4zn to tum le lo...
Very much diff..
No ups
Only ops...
UPS best hai
Ups = ops
Why we deposit 10 percentage this is jumala biggest jumla@@X___biggestfanofcricket
why not Implement for MLA MP? @@shravan97
@@santoshkumarsethi5343 why not give government jobs only for 5 years and see the performance reports and then again hire and conduct exams for everyone, lets remove that age bar of government jobs . Why not that ?
❤great explain sir
लगता है आप पूरी तैयारी करके नहीं आए हैं शिक्षक महोदय। एक तो आप योजनाओं के उल्टे पुलटे नाम बता रहे हैं और दूसरा आप बता रहे हैं की UPS में लास्ट drawn salary का 50% मिलेगा जबकि पूरे साल की बेसिक सैलरी का एवरेज निकालकर उसका 50% मिलेगा। और एक निवेदन है की जब भी ऐसे वीडियो बनाएं ये भी जरूर बताएं की इन नेता लोगों की पेंशन और ज्यूडिशियरी की पेंशन देश पर बोझ है की नहीं
नमस्कार मित्रांनो दिशाभूल करणारे सरकार पासून सावधाण...फक्त पेंनसन O..P..S..जुनी पेंनसन कामगारांना पाहीजे....सरकार फसवत आहे. ..M..P..M.L.A.. आणि त्यांचे चेले चपाटे यांना. O.P.S.देत आहे..कामगारांन चे पैसे कापुन सु ध्दा पेंनसन किती तर 1000 / 1200 / रूपये प्रत्येकी... महिन्याला...M.P..MLA...चे पैसे कापत नाही...पेंनसन पगार च्या निमी ..50,000रूपये महीना .... मोदी ना एक देश एक चुनाव पाहिजे ..तर एक देश एक पेंनसन का नको...मग मोदी साहेब स्वता 4 / 5 जुनी पेंनसन घेत आहेत...पचिम बंगालमध्ये जुनी पेंनसन पुर्वी पासुन चालु आहे..... तरी हे राजे प्रगती पतावर आहे...हे राजे सुध्दा भारत देशेचा चा भाग आहे...या राजे पासुन भारत देशेला काही त्रास होत नाही...तर ईतर राजें चा त्रास कसा काय होणार आहे...हे अर्थ शास्त्री समजाऊन सांगतील का ?..मला वाटते महाराष्ट्रातील अर्थ शास्त्री ना.... पचिम बंगाल ला जुनी पेंनसन चा अभ्यास करावयास पचिम बंगाल ला.... ममता बॅनर्जी दिदी जवल शिक्षण घेऊन येनेस पाठविने...म्हणजे कामगारांना ओ.पी. एस.पेंनसन कशी मिलुन द्याव याची हे बरोबर समजेल....जयहिंद...
Thank you for the detailed explanation sir. Was confused before about all the schemes.
Very nice explation sir 😊
Jb tak ups ka main topic start hua video khatm😅
💯
Good and easy explanation ❤
What about the corpus fund withdrawal??
Can we withdraw or not ? Everyone is discussing the benefits of UPS. Noone is telling about our corpus fund which we have accumulated throughout our life and that get vanished to get this pension.
Sir apne to UPS ka negative points kuchh vi nahi bataye es video me ki NPS se UPS ka negative points kya kya hai eske bare me vi kuchh information dete to or achha rahta sir......
Still I have two doubts in my mind.
1. Suppose someone's service period is more than 30 years and his/her pension amount will be more than 50% of last basis salary, at that case what will be his/her pension amount?
2. My second query is what about the lumsum amount of 60% an employee used to draw while retirement.
Government can give dearness allowance non-contributing bad assets but can't put inflation adjusted tax slab.
Why private sector employees are exploited?
Please clarify that in OPS pension is calculated on last withdrawn basic pay or last salary..
Very Nicely Explained...
Not less than 10 year service but Minimum 10 year service is must in order to avail assured pension
Amazing explanation
* *केवल ओपीएस... कोई नई योजना नहीं...*
>
> सरकार ओपीएस के भीतर बदलाव कर सकती है। उदाहरण के लिए, पेंशन को 50% से घटाकर 40% किया जा सकता है, और परिवार पेंशन को 60% से घटाकर 50% किया जा सकता है। बोझ कम करने के लिए अन्य सभी लाभ समान रहेंगे। हम एकीकृत पेंशन योजना (यूपीएस) नहीं चाहते हैं। इसके अलावा, सरकार को एनपीएस फंड को जीपीएफ में बदलना चाहिए।
NPS will definitely make more money
And NPS will help you,your spouse and your whole family
In OPS only you and your partner only get benifits
If you invest your nps money correctly
Then not only you and your whole family will get benifits
UPS(on govt basis) and NPS(open NPS account independently with NPS Trust just like how private sector employees do) dono opt karlo. UPS mai employee will contribute zero, govt will contribute 18.5 percent - NPS mai employee will contribute 10 percent, govt will not contribute anything since employee has already opted for UPS. Thus, in this way, govt employee can get both lumpsum via NPS and 50 percent of last drawn basic salary as pension via UPS.
@@rajat3180 UPS me bhi lump sum milega bhai
@@musabahmed9094ups men lumshum nahin milega Bhai letter men kewal last six month ka salary ya 1/10th part of will you contribute since retirement ......aur nps men 60percent mil jata hai
Han to bhai NPS me paise aap invest kroge mere??
@@murlimanoharkumar8012bhai sahi se padh le....since the retirement jaisa koi word nahin hai. Aur every six month likha hai last six month nahin.
On of Best lecture on this topic.
Many of the govt employees are not going to get even 50% pension of Basic pay as eligibility of 25 years will be very tough to meet , may retire as tenure itself is less than 25 yrs. Moreover contribution of 10% is never going to be returned back as in OPS nothing was contributed from employee pocket but same is not the case in UPS
Very well explained Sir,
ये जैसी schemes नेताओ केलिए भी लानी चाहिए...
Main question still remain, which components includes in lumpsump amount at the time of retirement.
There is nothing called 'Disbenefit', the word is 'Drawback' or 'Disadvantage'
NO NPS NO UPS ONLY OPS
Sir UPS mai kitna lumsum milra hai please clear this thing...like 60%in NPS and also the 60% is from the contribution or same as NSP depending on market trends..
Please clear this thing
Sir ji,ops main agar burden badh Raha hai to 15 lakh crores rupees kisi company ka maaf kar Diya gayaa, abhi MLA and MP r getting ops etc inse financial burden badh nahi Raha hai sirf employees ko ops Dene se burden badh jayega.. kya baat hai ji..
100% agree
Doubt-What will happen to the money that the employee and the government have already invested in the NPS scheme?
Sir tax ke bare me batiye how to save tax
If OPS is dangerous for Indian economy then why MLAs and Mps are withdrawing their pension in OPS system
Great 👍
Can I withdraw nps amount if it is less than 250000 as I want to switch UPS scheme afresh?
GPF=General Provident Fund
not Gross
Ryt
If a person takes voluntarily retirement at the age of 40 after having a service tenure of 15 years then when will his ups get to effect? Immediately after his retirement or after crossing 60 years of age
First They took away a sweet shop from us and handed over a laddu
Now they are taking away the laddu and giving us the laddu ka dabba
NPS is actually best. Thats how all the private pension plans also work.
People do a lot of struggle to get givt. jobs...........They need security for their old ages.................You are just jealous....................you haven't said it if someone in your family is also a govt. employee.
NPS me agar 8% interest bhi mile tab bhi ops se jyada lumpsum or pension milegi, lekin 25-30 saal regular job honi chahiye
What about the amount already contributed to NPS account by an employee?
Need to focus more about Contributary and non- contributary details then video will be better more
It is as good as OPS . One must not find any short comings due to present and future economic conditions. Assured and socially reasonable.
Can Central Govt employees not contributing to NPS currently, can now freshly start contributing to OPS? Pls clarify.
Lumpsum amount ke bare m koi kyu nahi bolta hai.. Jo monthly contribution hoga karodo ka wo ghotale ka kya hoga
Koi bhi wo clear nahi kar raha
Lumpsum amount will be 1 month salary for 5yrs of service,
@@foodimoodie98 This is how I understood it
Dekho pension ke sath sath lump sum bhi milega. Agar last drawn salary samjho (Basic+DA) tumhari 1,00,000 hai to uska 10% matlab 10,000 hoga. Ab is 10000 ko (every completed six months of service) se multiply karo. agar total service 30 saal ki hai to uska double karke multiply karo i.e. 30*2=60.
To end me lump sum milega 10,000*60=6,00,000 rs
@@musabahmed9094Bhai isase achha to nps hai karodo rupya banega uska uska 60percent to Kam se kam mil jayega n retirement ke samay
@@musabahmed9094सही सही, यही मुझे भी लग रहा है भाई।
ये assured lumpsum amount banega isiliye Ashwani vaishnav itna chilla raha tha, ye चिल्लड़ देंगे ये
I cannot understand the fifth point retirement benefit lump sum amount pl explain in detail
This is how understood it
Dekho pension ke sath sath lump sum bhi milega. Agar last drawn salary samjho (Basic+DA) tumhari 1,00,000 hai to uska 10% matlab 10,000 hoga. Ab is 10000 ko (every completed six months of service) se multiply karo. agar total service 30 saal ki hai to uska double karke multiply karo i.e. 30*2=60.
To end me lump sum milega 10,000*60=6,00,000 rs
Govt making unnecessary Building, Monument, and investment lots of money on them,and they have problem with OPS.😬
We can understand ur frustration. 😅
yes unnecessary monuments like masjids and madarsas must not be made.
@@DCBat_Mobile go and search how masjid and Madrasa made,🤦🤦🤦😂🤦
@@prikshitawasthi4568 I too after seen yours name.,🙈👀
पुरानी पेंसन मे जब पेंसन बनता है तो उसमे सेवा निवृत के समय जो बेसिक+DA होता है उसका 50% होता है लेकिन इस UPS मे सिर्फ बेसिक का 50% है
DR yha bhi hain
Ups main GPF bi lagu karna chahiye lekin fixed amount cutting hona chahiye.ops main GPF amount cutting ka koi fixed nahi tha
Great explanation 😮
Kya ops employees ko bhi Ups system m shift kiya jayega plz ispr bhi vedio banaiye
Sir HRA- House rent Allowance chor Diya measure component m
Common tax payer money is diverted for the luxury of government employees
Still go to any government office and see the level of Corruption, bribery, non-performance, insensitivity to customer
inko haram ki khaani ha ,, Desh ki sewa karne ke naam p jaate hain or paise ke bhooke pension maag rahe hain
😅@@DevSharma-zj2qi
sb same ni hote, hospitals main aake dekho jara please
@@dharmendarrohilla1045 Hmm Sir, hum dekhe he keise Doctor log back door me har surgery keliye deal karte he,
Govt hospital me bhi. Medicine representative ke sath milke high priced Medicine likhte he.Postmortem report keliye paisa magte he. Sabhi government institution or office me wohi haal.. bichara aam admi .......
@dharmendarrohilla1045 Hmm, hospital me postmortem me paisa, medicine representative ke sath milte hue high priced Medicine prescription. Operation keliye paisa demand
I have joined in 2400 grade pay ,now promoted to 4600 g pay. Accumulated 12 lakhs in NPS . Now my friend joined in the same 4600 post. As per UPS rule, we both will get the same pension. But what about my accumulated 12 lakhs ?
Bro I think it'll be still in your nps account. You'll be taking benifit of both nps and ups. After retirement you'll get 60% of your 12lakh and the remaining 40% as extra pension
Arrears ka concept tabhi to samjhaya ...
milega tujhe bhi tension mat le
Atleast lump sum amount clarity must be given.
What is process for pre mature withdraw of funds.
Our contribution is totally wasted if lumpsum is so less .
Pension of average 12 month of basic salary is low compared to even NPS IN UPS.
GRATITUITY AMOUNT WILL BE GIVEN OR NOT BIG QUESTION
IT IS NOTHING COMPARED TO EVEN NPS. IN NPS YU HAVE MULTIPLE OPTION IF THE TENURE OF SERVICE IS 30 PLUS IT IS SOMEWHERE GOOD COMPARED TO OPS BUT UPS TILL NOW IS COMPLETE DISASTER
10% deduction from salary is not good.... It should not be taken....
toh sarkar budget se de or gdp boom
@@akanshraj1353 sab kuch sahi h ups me bas 10% nhi hona chahiye kuch km bhi hi skta h ops me kuch nhi dena hota h.
Salary se bhi cut jare, income tax bhi bhare, gst bhi dhe 😂 @@akanshraj1353
Sir contact base job agar govt kuch time baad nikal deti hain to kya employee high court case kr skta hain
Some one please answer what will happen to the money already in NPS account when we switch to the UPS scheme in April 2025? Will that money be allowed to be withdrawn?😊
What about contributions in unified pension scheme ? Do we have to contribute here also like nps or not???
yes u will be contributing 10% of basic + DA in UPS
महोदय, इस बात का संज्ञान नहीं लिया गया कि यह ops 2004/05 के पहले भर्ती हुए सभी employee पर लागु है। NPS actual effect 2029 से दिखना शुरू होगा। अभी तो लग भ्रम और अज्ञानता में बात/शोर कर रहे हैं।
sir humare nps me 10 lakh total contribution h wo ups me kaise transfer honge aur honge to kitne honge
OPS is best
Whish are batter nps Or ups
If a employee served for 17--18years how much pension he will get if his last basic sallary is45000
sir full pension better for after 20 years completed , (UPS Service after 25 years ), not Good for UPS
Thanks for explaining why they introduced Contract basis jobs
😢
Ops is best
Not for Economy
Ops lagoo honi chahiye paramilitary k liye
Politicians ko bhi UPS me Lana chahiye and Indian army ko bhi isme shamil karna chahiye agr ye sahi hai to
ab GOVT jaan bujh kr employment, vacancy creat hi nahi kar rhi h to usme baaki employee ka kya dosh, jo authentic vacancy ko usko bhi fill nhi kar rhi , rojgar dene k bajay berojgar bana rhi h sabko to isme retired employee ka kya dosh h
All these Netas get lifetime pension and extra allowances even if they become an MP or MLA for just 1 day.....they were not under NPS. But for govt employees they have all this useless scheme. This scheme was the blunder of Atal Bihari Vajpayee.
OPS should be reintroduced. Jai hind
Arear se kya matlab hai
Nice sir ❤
NPS mai Kam se kam lumshum to mil jayega UPS mai kuch nhi milega
Assured pension is blessing.
Ups is far better than nps
@@Moksha-ki-prapti abey employee se hi contribution le rahe hai. Suppose 30 years contribute kiya kisi ne toh use ghanta milega kuch retirement pe.
Only pension milegi
NPS ही टिक है अगर lumsum 60% नहीं मिला तो.. Eg के लिए 55 लाख भी रखा तो साल का निफ्टी Index 15% बड रहा है तो लगभग 8 लाख सालाना होता है...
@@AVSH007 nahi milega only 5-6 months salary
आपने क्यू नही बता रहे हो कि
1. जो कर्मचारी का 30 साल का 12 माह में 10% के रेट से NPS कटौती किया गया है और वो जमा किया गया है , उसको वापस करने का क्या होगा क्युकी जमा तो कर्मचारी ने अपनी तनख्वाह काट कर ही किया है
2. कर्मचारी के ग्रेच्युटी का क्या होगा
3. सिर्फ 50% पेंशन कहने से क्या होगा, भाई जो लोग वहां समझौता करने गए थे, चाहे वो शिव गोपाल मिश्र जैसा दलाल भड़वा हो या कोई वो खुद क्यों नही ups चुन लेता
4. नेताओं, MP, MLA 10साल बने रहने के बाद 10000 पेंशन ले , ऐसा नियम क्यों नहीं स्थापित करते
5. सीधी मांग यह है कि MEETING में वो आदमी ही शामिल हो जो खुद उस दर्द से पीड़ित हो, शिवगोपाल मिश्रा जैसे दलाल जो 14 साल पहले रिटायर होने के बाद भी दलाली कर रहे हैं, उनसे क्या मतलब एनपीएस और UPS का
21:18 most important point
सबसे बड़ी कमी nps ups में मेडिकल सुविधा का न होना है reitremnet के बाद ही बीमारी ज्यादा जकड़ती है तो मेडिकल सुवधा होनी चाहिए
No nps/ups we want ops
Give more tax
Bhsidike...ups is good atleast good than nps
2004 k bd wale sbhi netao ko bhi nps me lana chahiye aur Jin netao ke 2 se adhik bacche hai unko mla mp k pd se hatana chahiye.
Will the ups applicable for already retired employees?
सीधी सी बात है जो आदमी रिटायरमेंट के समय जो सैलरी ले रहा है उसका 35% उसे पेंशन दे दीजिए बात खत्म इतने में वह अपना बच्चा कुछ जीवन सम्मान पूर्वक जी लगा
I am sorry sir par employee kitna bhi nhi katva sakta agar katvata hai to uspar use tax pay karna pad jayega 750000 limit hai uske par karta hai toh tax pay karna padega recent amendment tha
Sir employees' salary or pension should grow irrespective of all matters. These are lame excuses. Economic development is impossible without this. In a country if there's no economic security in terms of govt employability then there's a huge problem.
What about our 10% invested in pension scheme?
lumpsum amount ke baare me nahi bataya bhaiya
Try again.. 50% of basic salary will be given in pension..
And there very nominal lumpum amount.. for every 6 months work for 20 years.. so 240 months in total divided by 6 = 40 . If avg of basic pay in 20 yrs is 25000. So one will get 10 lacs as lumpsum and rest is the pension
Mindwash lecture hai.....
For every 5 year service 1 month salary
Very good
UPS 🎉
Bro... You have misunderstood. In UPS, one will get 50% of basic pay of the salary not the total salary 😂
After 60 years age
Long sum amount kya hee ye bataao
Sir ups me 20 saal service or basic 35 thousand par pension kitna milega
GPF = General Providend Fund ✅
Is it applicable to defence personnel..Army Navy Airforce etc...??
No clarity on the amount received as lumpsum after superannuation
Only OPS
No other PS
300x1000 =3L hota hain not 30k
Support ops not ups and ups