इससे पिछली वीडियो और इस वीडियो को देखने के बाद कम्युटेशन कराना चाहिए या नहीं करना चाहिए उससे संबंधित सभी बातें और फंडे क्लियर हो गए। आपने बहुत अच्छे प्रकार से उदाहरणों के साथ इनकम टैक्स की गणना करते हुए समझाया। आप जटिल विषयों को भी बहुत अच्छे से सरल तरीके से उदाहरणों के साथ समझाते हैं। इतनी ज्ञानवर्धक वीडियो के लिए आपका धन्यवाद। आपकी नई वीडियो का बेसब्री से इंतजार रहता है। इसके बाद अगली वीडियो कब तक आएगी ? ईश्वर आपको दीर्घायु प्रदान करें।
बहुत बहुत शुक्रिया सुरेंद्र जी। अगली वीडियो को जल्दी डालने की कोशिश की जाएगी। कृपया अपना साथ और सहयोग बनाये रखियेगा और वीडियो को साथी बंधुओं में शेयर भी कीजियेगा।
Sir जिस तरह से आप उदाहरण देकर समझाते हैं मुझे लगता कि हर व्यक्ति बहुत अच्छी तरह से समझ जाएगा । आप कोई बात अधूरी छोड़ते ही नहीं हो । ऐसी विडियो बनाने के लिए आप का बहुत बहुत धन्यवाद प्रणाम
धन्यवाद गुरु जी, मैं भ्रमित थी कि सेवानिवृत्त होने पर मैं अपनी पेंशन सरकार को बेचूँ या नहीं लेकिन आपका यह वीडियो देख कर सभी बातें स्पष्ट हो गई हैं और भ्रम की स्थिति समाप्त हो गई। आपका कोटि-कोटि धन्यवाद।
Very nicely explained... भले ही no commutation के बाद ज्यादा amt देना पड़े फिर भी कम्युटेशन के बाद मिली प्रतिमाह कि धनराशि से ज्यादा धनराशि प्रतिमाह मिलेगी..
Respected sir , apne commutation of pension bahut hi ache tarike se samjhaya hai . Mai books se pdh kr clear nhi kr pa rha ta lekin aapne jo samjhaya usse clear ho gya , Thankyou so much Sir.
आदरणीय श्री मान जी, किरपा करके अभी जो ज्ञात हो रहा है कि 65 की आयु पूरी करने पर 5 प्रतिशत पेंशन बढ़ जाएगी इसमें 5 प्रतिशत टोटल बढ़ेगा या बेसिक पे का 5 प्रतिशत , किरपा करके मार्ग दर्शन करने की किरपा करे
सर, ओल्ड और न्यु इन्कमटॅक्स का चयन करते समय कैसे किया जाएगा ईस बारे में व्हिडीओ किया हो तो क्रुपया लिंक देने की क्रिपा करें। आप के द्वारा दी गयी जानकारी बहुत ही अच्छी होती है। धन्यवाद!!
Dear Sir, I was not aware of this video, which you seem to have streamed after considering comments in your earlier video on commutation, wherein I had commented about factoring in income tax aspect, to be able to decide whether commutation of pension is advantageous or not. I appreciate that you have added income tax factor in this video. One can draw conclusion from this video that irrespective of the amount of pension one would get, net monetary gain is more in the case of commutation of pension. In addition, as you have also added that the lump sum amount, due to commutation would be available with you to meet any unforeseen requirement or emergency. Thanks for this helpful video.
Thank you so much sir for your appreciation. In the previous video, There were many comments regarding income tax aspect. So, I have to discuss this too. Please continue your support for the channel and share the videos you liked. Thanks again.
Sir ,thank you so much. Just one clarification. You said no incometax on commutation amount if no gratuity given. But if gratuity is also given there will be incometax on commutation amount. So you may lose on total amount you get. Also if we take the calculation shown in your example for highest pension group. Total higher income t tax paid if you don't commute is 20000 per year,that is 3 lac in 15 years. But you also get 1.5 lacs extra per year in hand. So you get 22.5 lacs extra. If you minus the extra income tax it will be 22.5 minus 3. or 19.5 lacs extra in your pocket. If we see that if you do commutation you will get this much amount as one time payment. So both are equal in long run. Final conclusion. If you need money at once to buy house etc, commute. If you don't need ,don't commute
Respected sir,please post a video on excemption of CVC, gratuity,leave encashment and final GPF amount under ITR 2022-23AY. Please explain whether exempted income will include under computation or not?.
Agar commutation ka jo amount Mila usko hum eksath 15 yrs tak fixed kar dete hain to hume kitna labh hoga aur maturity ka time tax bhi payment kana parega kya
Sir This is very useful information. Please clarify this Punjab State Power Corporation Ltd which is owned company of Punjab Government. Employees of this Government corporation can be treated as State Government employees or not for exemption of income tax on computation of pension. Thanks
sere mere papa defence pensioner hain,unko 522000 commuted pension aata hai yearly,3lakh railway contract job se salary aata hai,jisme 125000 yearly personnel loan aur 26000 yearly lic ka cut ho jata hai,kya mere papa ko ITR file karni hogi?plz reply
Sir retirement k document fill karte time pension ke commutation ka form bhi fill kar diya h ..abhi retirement hua nhi hai or hume pension ka commutation nahi karana hai..use kaise cancel kiya jayega.. please help sir
Sir g namsty..sir mere father bhu mai central emp thye..aur apni pension 15years sold ki thi .unki deth ho gai hai..to kaya meri mother ko commutative pension ka paissa mile gaa
Sir ek hi component pr do baar income tax rebate kaise le rhe hai aap ye samajh se pare hai Ek baar jb pension commute karwai uska pura amount exempt Aur dusri baar jb usi ka repayment kr rhe hai use bhi gross me se less kr diya Agar gross me se less bhi kr rhe hai to kis section me hogi
Sir hum cumutaion ka paisa 9 % intest pe le or usko FD karada 7 persent pe to humara loss har saal ka 2 peresnt ka to hoga hi na... 9 persent pe paise leke us se 7 persent intest generate hoga to loss to hoga hi na sir..?
Hi Sir, Wanted to know what is the gross salary for pensioner who has commuted some amount of pension that was recieved in previous financial year. like today pension recieved is basic(eg 40000) + DA(eg 20000) - commuted amount(eg 15000) so how to calculate gross salary for itr basic + DA = (60000) or basic + DA - commuted amount = (45000). Please Help here its hard to understand. Thanks
Sir I am a govt employee. I opted for VRS. At the time of VRS my employer transferred the PF and GRATUITY to my bank account and The retirement benefits amount was transferred to my NPS account. Next month I will be 60 yrs old. In this case I am supposed to purchase the annuity from any one of the listed annuity providers of NPS. Whether the term DR that you described in the video is applicable in this case also ? Kindly elaborate. Thanks.
Sir, please send your valuable opinion on the following Punjab State Power Corporation Ltd. which is State Government's owned corporation, employee can be considered Government Employees or not for this purpose.
Sir, मुझे 55600/ basic पाया pension मिल रही है, मैंने commutation payment 18533 / कट रहा है, अब मेरी टोटल इनकम reduced pension होंगी या gross pension का अमाउंट होगा जिस पर income tax देना होगा
Standard Deduction of Rs. 50,000/- and deduction for interest earned on FD (50,000/-) under sec 80 TTB may also be discussed; so that the tax liability under old rates be reduced.
Sar iski pichhali video mein maine aapko bataya tha ki vah 2007 Mein retire Hua hun 15 Sal Mere pure Ho chuke hain abhi tak vah Jo Mera Paisa Karta Tha 40% vah paise Mein Nahin Juda Hai Uske bare mein aapse poochha tha bataiye kab tak judega Kyon Nahin Juda hai pata nahin ki kripa Karen dhanyvad
I voluntarily retired in November 2019 and didn't get pension commutation at the time of retirement. Now I want to commute my pension, will the commuted pension would attract income tax?
It's my view that in the case of Basic amount of Rs. 70000, after opting 40% commutation, as per your calculation even after considering the Commutation amount in FD the Annual Income is less than the Annual Full Pension Amount. When we earn less amount, obviously the Income Tax will be lower than Full Pension. Further, after deducting Rs. 1,50,000 u/s 80C which we can save through PPF and Standard Deduction of Rs. 50,000/- there will be no Income Tax. I would like to have your expertize advise on this.
मैं सितम्बर,2017 मे 7th pay commission fixation से पूर्व रिटायर हुआ था । इस कारण पूर्व की last pay के आधार पर मुझे commutation मिल गई थी । लेकिन 7th pay commission fixation के आधार पर मुझे commutation नही दी गई। क्या अब मैं 7th pay commission fixation के आधार पर हुए fixation के आधार पर commutation ले सकता हूं ।
इससे पिछली वीडियो और इस वीडियो को देखने के बाद कम्युटेशन कराना चाहिए या नहीं करना चाहिए उससे संबंधित सभी बातें और फंडे क्लियर हो गए। आपने बहुत अच्छे प्रकार से उदाहरणों के साथ इनकम टैक्स की गणना करते हुए समझाया।
आप जटिल विषयों को भी बहुत अच्छे से सरल तरीके से उदाहरणों के साथ समझाते हैं। इतनी ज्ञानवर्धक वीडियो के लिए आपका धन्यवाद। आपकी नई वीडियो का बेसब्री से इंतजार रहता है। इसके बाद अगली वीडियो कब तक आएगी ? ईश्वर आपको दीर्घायु प्रदान करें।
बहुत बहुत शुक्रिया सुरेंद्र जी। अगली वीडियो को जल्दी डालने की कोशिश की जाएगी। कृपया अपना साथ और सहयोग बनाये रखियेगा और वीडियो को साथी बंधुओं में शेयर भी कीजियेगा।
Very important information 🙏
@@GuruJikiPathshala1U
@@GuruJikiPathshala1 i
बिल्कुल सही कहा भाई।
Sir जिस तरह से आप उदाहरण देकर समझाते हैं मुझे लगता कि हर व्यक्ति बहुत अच्छी तरह से समझ जाएगा ।
आप कोई बात अधूरी छोड़ते ही नहीं हो । ऐसी विडियो बनाने के लिए आप का बहुत बहुत धन्यवाद
प्रणाम
आपका समझाने का तरीका बहुत सरल और साफ है. धन्यवाद
धन्यवाद गुरु जी,
मैं भ्रमित थी कि सेवानिवृत्त होने पर मैं अपनी पेंशन सरकार को बेचूँ या नहीं लेकिन आपका यह वीडियो देख कर सभी बातें स्पष्ट हो गई हैं और भ्रम की स्थिति समाप्त हो गई। आपका कोटि-कोटि धन्यवाद।
Thank you so much Madhu ji. Glad you liked it. You may watch Part-1 of this video
th-cam.com/video/e8pmHO5sQkM/w-d-xo.html
थेंक्स जानकारी देने के लिए ।बहुत अच्छी योजना हे सरकार की कर्मचारियों के लिए ,योजना का लाभ लेना चाहिए।ब्रजमोहन सोनी
Very nicely explained... भले ही no commutation के बाद ज्यादा amt देना पड़े फिर भी कम्युटेशन के बाद मिली प्रतिमाह कि धनराशि से ज्यादा धनराशि प्रतिमाह मिलेगी..
Thanks
Respected sir , apne commutation of pension bahut hi ache tarike se samjhaya hai . Mai books se pdh kr clear nhi kr pa rha ta lekin aapne jo samjhaya usse clear ho gya ,
Thankyou so much Sir.
Thanks Varun
Verygood👌
थेंक्स जानकारी देने के लिए।
बहुत सुंदर जानकारी गुरु जी ।
Dhanyawad guruji pranam 🙏
आदरणीय श्री मान जी, किरपा करके अभी जो ज्ञात हो रहा है कि 65 की आयु पूरी करने पर 5 प्रतिशत पेंशन बढ़ जाएगी इसमें 5 प्रतिशत टोटल बढ़ेगा या बेसिक पे का 5 प्रतिशत , किरपा करके मार्ग दर्शन करने की किरपा करे
Sir aap bhut acchi trh se smjate h Tq sir
Good job sir you are great sir 🙏🙏🙏
Sir, thank you so much giving us useful information.
So nice of you Gaurav
Very interesting video 🖐👌
excellent sir...❤❤❤❤
Thanks for important advice
Useful information
Thank you sir
So nice of you
Great work sir 👏👏👏
So nice of you
very informative video Guruji. Thank you
So nice of you
Nice video sir Thanks sir
Well explained, thanks
Thanks for good information about pension commuted mattered. Namaskar sir.
So nice of you
Very nice information, Sir,Thank you. 🌹🙏
So nice of you
The way you explain everything is just amazing sir🙏
So nice of you
Thank you so much sir for your valuable information.
Thank you so much Ratna ji. Please keep supporting.
Very helpful
very informative....
Thank you 🙏🙏🙏🙏
Sir, you are really doing a good job making people aware of the completed things so that one can take decision on one's own
Thank you so much Hemant ji
सर, ओल्ड और न्यु इन्कमटॅक्स का चयन करते समय कैसे किया जाएगा ईस बारे में व्हिडीओ किया हो तो क्रुपया लिंक देने की क्रिपा करें।
आप के द्वारा दी गयी जानकारी बहुत ही अच्छी होती है। धन्यवाद!!
Thank you so much sir for sharing useful information.
Thanks Inder Kardam ji
Very good information sir,Thank you Sir,
I am an SBI officer. Whether i will have any income tax exemption available on my commuted portion of pension.
Dear Sir,
I was not aware of this video, which you seem to have streamed after considering comments in your earlier video on commutation, wherein I had commented about factoring in income tax aspect, to be able to decide whether commutation of pension is advantageous or not. I appreciate that you have added income tax factor in this video.
One can draw conclusion from this video that irrespective of the amount of pension one would get, net monetary gain is more in the case of commutation of pension. In addition, as you have also added that the lump sum amount, due to commutation would be available with you to meet any unforeseen requirement or emergency.
Thanks for this helpful video.
Thank you so much sir for your appreciation. In the previous video, There were many comments regarding income tax aspect. So, I have to discuss this too.
Please continue your support for the channel and share the videos you liked.
Thanks again.
Nice video
Thanks Neeru ji
Nice
Tell us at what age the communication of pension will be restored whether 70 or 75 years of the pensioner.
Useful information sir,thank you .I request you to make a vdo regarding income tax calculations for pensioner with example pl.🙏
Sure sir, suggestion noted and a video will be uploaded soon.
Pl make a video regarding income tax calculation for pensioners 🙏
@@nutansatbhai5230 sir you had given regarding comutation/ family pension in very good detail. We acknowledge and thank to you. Brij Kishore Aggarwal
Sir old tax plan me apne savings ka nahi bataya
Love u Sir
Sir hum family pansion short kar saktye hai kya
Sir ,thank you so much.
Just one clarification.
You said no incometax on commutation amount if no gratuity given. But if gratuity is also given there will be incometax on commutation amount. So you may lose on total amount you get.
Also if we take the calculation shown in your example for highest pension group. Total higher income t tax paid if you don't commute is 20000 per year,that is 3 lac in 15 years. But you also get 1.5 lacs extra per year in hand. So you get 22.5 lacs extra. If you minus the extra income tax it will be 22.5 minus 3. or 19.5 lacs extra in your pocket.
If we see that if you do commutation you will get this much amount as one time payment. So both are equal in long run.
Final conclusion.
If you need money at once to buy house etc, commute. If you don't need ,don't commute
Sir commuted lump sum amount will be treated as Income for Income certificate
Respected sir,please post a video on excemption of CVC, gratuity,leave encashment and final GPF amount under ITR 2022-23AY. Please explain whether exempted income will include under computation or not?.
Sir, for annual medical examination for group A of age 40 years and above, CGHS refer letter necessary????
Nps may commutation of pension benefits milta hay?
Sir , commutation retirement ke kuch time (6 month,1 year)baad bhi le sakte hein kya..
Means agar kisi ne retirement ke time na liya ho..
NPS के बारे में जानकारी दे सम्पूर्ण
Sir the interest factor of 40,000 for normal and 50,000 for senior citizen should also be discussed here
Sir good morning. Sir monthly recovery of commutation is taxable or not?
Thanks for Very informational Video. Sir Can You Explain about ADDITIONAL CHARGES NORMS AND REGULATION.
Thanks for appreciation. I will try for your suggested topic.
SIR,, FOR HOW MANY MONTHS SALARY CAN BE WITHDRAWN WITHOUT ALLOTMENT OF GPF NUMBER , AND UNDER WHAT RULE
Agar commutation ka jo amount Mila usko hum eksath 15 yrs tak fixed kar dete hain to hume kitna labh hoga aur maturity ka time tax bhi payment kana parega kya
Sir
This is very useful information. Please clarify this Punjab State Power Corporation Ltd which is owned company of Punjab Government. Employees of this Government corporation can be treated as State Government employees or not for exemption of income tax on computation of pension.
Thanks
sere mere papa defence pensioner hain,unko 522000 commuted pension aata hai yearly,3lakh railway contract job se salary aata hai,jisme 125000 yearly personnel loan aur 26000 yearly lic ka cut ho jata hai,kya mere papa ko ITR file karni hogi?plz reply
Appointment month of December and Oct increment konse month meh Lagu hoga?
Can we have a video in English on Commutation of Pension and leave encashment🙏
Sir NPS ke bare mai bhi bataye isme kitna pension milega after 28 year of central job as clerk
Karmchari Ki mrutyu Hone per kya uska Asarit pensen bhech sakta hai
Sir retirement k document fill karte time pension ke commutation ka form bhi fill kar diya h ..abhi retirement hua nhi hai or hume pension ka commutation nahi karana hai..use kaise cancel kiya jayega.. please help sir
Can we pay total payment before 15 years in commutation department?
Agar koi viakti Commutation amount ko FD etc me nhi lgata to kea income tax orkam ho jaega?
Very very nice👍👍
Thanks a lot
Sir g namsty..sir mere father bhu mai central emp thye..aur apni pension 15years sold ki thi .unki deth ho gai hai..to kaya meri mother ko commutative pension ka paissa mile gaa
Autonmus body k tax free hota h ya nhi
How senior citizen can claim examption of medical expenses incurred by him/her from his/ her own pocket.
Jindagi bhar paise ko banko me jama karte jauenge to upbhog kab karega?
सर, इन्कम टॅक्स ठीक है लेकीन commutation के बाद १५ साल govt की वापस करना हैं वह करिब ९ पर्सेंट पर year होता है
My gross income is 95 lakhs. But net income is 20 lakhs. Tell me which ITR I should file...??
Sir ek hi component pr do baar income tax rebate kaise le rhe hai aap ye samajh se pare hai
Ek baar jb pension commute karwai uska pura amount exempt
Aur dusri baar jb usi ka repayment kr rhe hai use bhi gross me se less kr diya
Agar gross me se less bhi kr rhe hai to kis section me hogi
Sir hum cumutaion ka paisa 9 % intest pe le or usko FD karada 7 persent pe to humara loss har saal ka 2 peresnt ka to hoga hi na...
9 persent pe paise leke us se 7 persent intest generate hoga to loss to hoga hi na sir..?
💯💯💯👍👍👍👍🙏🙏🙏🙏🇮🇳
Hi Sir,
Wanted to know what is the gross salary for pensioner who has commuted some amount of pension that was recieved in previous financial year.
like today pension recieved is basic(eg 40000) + DA(eg 20000) - commuted amount(eg 15000) so how to calculate gross salary for itr basic + DA = (60000) or basic + DA - commuted amount = (45000).
Please Help here its hard to understand.
Thanks
Govenement employee vrs is taxable or not please reply
Not taxable
कृपया यह स्पष्ट करें कि सेवा निवृत्ति के 15 वर्ष के पश्चात पेंशन के टम्यूटेशन की स्थिति क्या होगी।
After 15 years, recovery of commuted amount will stop.
Sir
I am a govt employee.
I opted for VRS.
At the time of VRS my employer transferred the PF and GRATUITY to my bank account
and
The retirement benefits amount was transferred to my NPS account.
Next month I will be 60 yrs old.
In this case I am supposed to purchase the annuity from any one of the listed annuity providers of NPS.
Whether the term DR that you described in the video is applicable in this case also ?
Kindly elaborate.
Thanks.
Sir, please send your valuable opinion on the following
Punjab State Power Corporation Ltd. which is State Government's owned corporation, employee can be considered Government Employees or not for this purpose.
Can I revise 2020-2021 ITR now?
Yes
Sir, मुझे 55600/ basic पाया pension मिल रही है, मैंने commutation payment 18533 / कट रहा है, अब मेरी टोटल इनकम reduced pension होंगी या gross pension का अमाउंट होगा जिस पर income tax देना होगा
Standard Deduction of Rs. 50,000/- and deduction for interest earned on FD (50,000/-) under sec 80 TTB may also be discussed; so that the tax liability under old rates be reduced.
Yes, it is also a factor.
Hello sir,
Please tell whether commutation pension will be deducted from family pension or not?
Not
@@GuruJikiPathshala1 Ty sir ji...
सर अ शासकीय सहायताप्राप्त विधालय के शिक्षक को पेंशन बेच कर मिलने वाली आय पर टैक्स देना है या नहीं
Mera basic 35800 hai
Aur DA 17900
Commute 10% 100000 late hai income tax lagega
Sir . Mera father 30 lakh ka FD h.
Basic pension 28000/ Or commutation 11000 /
To ITR file or Kitna refund milega. ??
Plzz tell
Keya hum duwura leasakta hai
Pensioner ko DA kitny basic pay per diya jata hai. Kya commutation ki amount cut krke diya jata hai. Kirpya guide us.
DA pension ke full amount pe milta h
सर पे कमीशन अनाउंस हो गया है।
फरवरी 2025 में रिटायर होना है।
काॅम्यूटेशन कब 40% कंपोनेंट भी बड़ा हो जाएगा।
एडवाइस करिए प्लीज़।
Sir, salary ka 40% state job retirement me bhi milta hai kya
Yes, depending on state rules
Sir , my mother has died during job...now my father getting pension 42000/month....is this taxable or not...plz reply
Sar iski pichhali video mein maine aapko bataya tha ki vah 2007 Mein retire Hua hun 15 Sal Mere pure Ho chuke hain abhi tak vah Jo Mera Paisa Karta Tha 40% vah paise Mein Nahin Juda Hai Uske bare mein aapse poochha tha bataiye kab tak judega Kyon Nahin Juda hai pata nahin ki kripa Karen dhanyvad
What is DR
34.4% DR
अगर NPS में से COMMUTATION कराया तो 34.4% DR मिल सकता है ?
Pentioner s TC Tax free kese hoga ?
Sir, main bihar government se retire hua hun. First month ke pension se income tax katker payment kiya gaya. Kya ye sahi hai? Pl. reply
Pension amount is taxable.
I voluntarily retired in November 2019 and didn't get pension commutation at the time of retirement.
Now I want to commute my pension, will the commuted pension would attract income tax?
Commuted Value of Pension is tax free u/s 10(10A)
सर ब्याज दर क्या होती है।और क्या राज सरकार के कार्मिक रूपांतरण 20% भी करा सकते हैं ? जबाव अवश्य ही दें जी
Yes, 20% bhi kra sakte h.
Gross total me doubt hai sir mujhe aapki calculation me mistake lg rhi hai
It's my view that in the case of Basic amount of Rs. 70000, after opting 40% commutation, as per your calculation even after considering the Commutation amount in FD the Annual Income is less than the Annual Full Pension Amount. When we earn less amount, obviously the Income Tax will be lower than Full Pension. Further, after deducting Rs. 1,50,000 u/s 80C which we can save through PPF and Standard Deduction of Rs. 50,000/- there will be no Income Tax.
I would like to have your expertize advise on this.
Disiablity element और pension element per tax hai
मैं सितम्बर,2017 मे 7th pay commission fixation से पूर्व रिटायर हुआ था । इस कारण पूर्व की last pay के आधार पर मुझे commutation मिल गई थी । लेकिन 7th pay commission fixation के आधार पर मुझे commutation नही दी गई। क्या अब मैं 7th pay commission fixation के आधार पर हुए fixation के आधार पर commutation ले सकता हूं ।
Yes, you are eligible for recalculation of commutation. Please contact your last office as soon as possible.