Don't commute pension. This is loss to the pensioner since one cannot get full pension till the end of 15 years. Nearly 80 to 90 percent in excess will be recovered than what we have commuted.
But gratuity and leave encashment will always be there. The difference is commuting i.e. additional amount which should yield more than reduction in pension else it will be burden especially for Group B officers who will fall into least tax bracket or even on edge after retirement with new increased tax slab. Wouldn't it better The difference to be invested in SIP or elsewhere?
Jitni commute hokar amounts milega, aur jitni pension kam hogi, yadi mai home lone utne kaa le loon to 10 saal me poora ho jayega 15 saal tak nahi ghisatna padega. Bataiye sahi yaa galat.
Good perspective, however the fact is maximum 40% of pension may be commuted and by no calculation it will be 1 to 1.25 crore. Even at basic pay of Rs. 2 lakh pension will be 1lakh and commuted value at 40 % , commuted amount for a person retiring at 60 years will be about 40lakhs.
But gratuity and leave encashment will always be there. The difference is commuting i.e. additional amount which should yield more than reduction in pension else it will be burden especially for Group B officers who will fall into least tax bracket or even on edge with new increased tax slab.
Sir don't avail your EL's as it will result to waste of money and time. Once you avail it your family would likely to expect, you will take on some vacation some place, eventually you would be spending money there too. It's better too work off day n night, making your boss proud and happy, be the black horse, you & your boss always wanted you to be. Leave encashment sounds like a mature option, you get paid for your own earned leaves according to basic salary structure not according to your in-hand salary (charity begins at home, oops office). You can enjoy your life and meet all your responsibilities like family and relatives on weekoff (sat &sun). CL's could be used for long quality time with family and friends.
wanted to purchase a flat in delhi under the budget of 45 to 50 lakh looking for a 3 bhk in new delhi uttam nagar the rate are too much according to the 30 years valuation formula with the help of rent what should i do
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sir lekin shayad 7 cpc me pention ke final limit to 1 lakh 20000 hi hain na to kaise benefit hain
W . Thank U Sir. Very informative video indeed. Grateful.
Something for those falling under NPS
Thank you for the clarity
Good clarity given sir, thank you so much
W ..... Thanks
Commutation is not permissible for 50% of pension. You can cummute only up to maximum of 40% of your pension.
Well said sir
W Outstanding video for Govt. employee of OPS
Don't commute pension. This is loss to the pensioner since one cannot get full pension till the end of 15 years. Nearly 80 to 90 percent in excess will be recovered than what we have commuted.
But gratuity and leave encashment will always be there. The difference is commuting i.e. additional amount which should yield more than reduction in pension else it will be burden especially for Group B officers who will fall into least tax bracket or even on edge after retirement with new increased tax slab. Wouldn't it better The difference to be invested in SIP or elsewhere?
Best topic... I am government employee
Which job bro
Jitni commute hokar amounts milega, aur jitni pension kam hogi, yadi mai home lone utne kaa le loon to 10 saal me poora ho jayega 15 saal tak nahi ghisatna padega. Bataiye sahi yaa galat.
Very good Q
W. Also share pros & cons on old pension scheme EPS 95 & new pension scheme.
Good perspective, however the fact is maximum 40% of pension may be commuted and by no calculation it will be 1 to 1.25 crore. Even at basic pay of Rs. 2 lakh pension will be 1lakh and commuted value at 40 % , commuted amount for a person retiring at 60 years will be about 40lakhs.
What about pf and gratuity?
Very logical issue
Commutation amount is nowhere near 1cr. It is less than 50 lacs. Please recalculate.
Gratituity and leave encashment added makes it close to 1 cr for 30 yrs service GP A officer
@@SangoLifeSutras Now, this is correct. You were talking of just commutation amount around 1cr.
But gratuity and leave encashment will always be there. The difference is commuting i.e. additional amount which should yield more than reduction in pension else it will be burden especially for Group B officers who will fall into least tax bracket or even on edge with new increased tax slab.
"W" Good topic for govt. Employees
Commutation amount is less than 50 lakh not 1 crore if we retire around 54-55
Sir, What is to done after retirement to earn the money , sir please give clarity on that , and arrange a webinar on that that topic
Sir... Leave Encashment pr btaye... Kya EL jodni chahiye ya avail krte rehna chahiye aur kuch kaam suru krna chahiye EL lekr
It's upto u how u want to live.......take EL and enjoy life or gather them
Sir don't avail your EL's as it will result to waste of money and time. Once you avail it your family would likely to expect, you will take on some vacation some place, eventually you would be spending money there too. It's better too work off day n night, making your boss proud and happy, be the black horse, you & your boss always wanted you to be. Leave encashment sounds like a mature option, you get paid for your own earned leaves according to basic salary structure not according to your in-hand salary (charity begins at home, oops office). You can enjoy your life and meet all your responsibilities like family and relatives on weekoff (sat &sun). CL's could be used for long quality time with family and friends.
Nice video sir. W
I will retire at 2040, i can't decide whether I will opt for EPS 95 or not,plz guide
With basic rs 2,00, 000- commuted amount will be 40- 50 lakh not one crore. It's max 40% not 50 %.
Absolutely true
Less than 50 lakh
He is talking about the lumsum amount given at the time of retirement which includes gratuity, commutation etc etc which easily reaches 1 cr
Sir Group A ke log bahot cum hain.
Unke under Group B and Group C
Awesome
Make video on state government का widow pension. How to do yearly live certificate.
My father retired 2008 fron assam rifles
He didn't get commutation amonut Till date
W from ESM
Sir,
Kindly make videos of selection of Higher Pension or not?
wanted to purchase a flat in delhi under the budget of 45 to 50 lakh looking for a 3 bhk in new delhi uttam nagar the rate are too much according to the 30 years valuation formula with the help of rent what should i do
👌👌
Sirji namaste mai 37hu bank of baroda mein planning to get retired by 44
भारत में "क्लास वन"
गिने चुने हैं...
Sahi sir kabhi v group c ke bat nahi krte hai
वीडियो बनाने वाले सज्जन हमेशा #मिडिल क्लास की बात करते हैं लेकिन
यहाँ
उदाहरण.... क्लास वन का ....????
@@Kumar-sx3xc सही कहा आपने
W
Sir, Commercial property in multi storied bulding 14-15 year old, should be sold and buy new Residencial ?
If you're getting good rent, don't sell. Go for mortgage loan and purchase new flat
@@pradeepskumar2007 thnx
How make a good construction of building....please make a video sir ....
Nice . Like the way you put across supposedly complex issues in a very different and simple way . 😊
W.
Very good video sir ji 👌👌 clarfied every aspect of commutation.
I've opted for commutation after viewing this.
Thank a lot 🙏
Sr please compare commutation wrt loan
Great clarity. W
Retirement ki kitne month tak cammute facilities available rajti hai
1 year
@@SubashPanda-p7q bhagwan na kare - agar hame kuch ho gaya to family se recovery nahi ki jayegi na ....
Not able to join the group Sangwan sir..please advise
OPS Vs NPS plz
🙏🙏
W webinar
❤
Hello Sir can you please tell us about Japee sports city Gautam Buddh Nagar
Sir. I am interesting in property.please guide.
Mujhe bhi batayo 1 crore kahan milta hai? कुछ भी
Sir NPS mein commutation nhi h... Please NPS walo ke liye kuch btaye
I want to invest in property where 7% rental yeild and appreciation also
Please let me know
Please is par kuch guide karein
sir mera Shani mere first house me h uske user video bnaiye
U should have told us two years before 😢
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