What Is NPS | What Is OPS | NPS V/s OPS Comparison | Pension After 20 Years | Which Is Best |
ฝัง
- เผยแพร่เมื่อ 5 ก.ย. 2024
- What Is NPS | What Is OPS | NPS V/s OPS Comparison | Pension After 20 Years | Which Is Best |
भारत का क़ानून,आपके अधिकार व IPC जानने के लिए मेरे नए चैनल Kanooni Gyan को ज़रूर देखे व Subscribe करे - • Video
#What Is NPS
#What Is OPS
#NPS V/s OPS Comparison
#Pension After 20 Years
#Which Is Best
First time I could realise the difference. Thank you for preparing so clear comparison
भाई क्या आसान भाषा में आप ने
समझाया है,,,,
और किस किस को समझ में आया❤❤
@@user-wt4qs5bl6u th-cam.com/video/j0NixJh3jqE/w-d-xo.htmlsi=vbW2PnYpNNsufpOg UPS Pension Scheme ?
एकदम स्पष्ट रूप से दिखाई दे रहा है कि OPS ही जीवन का आधार है ।
Correct Sir 💯
Iss bare mein bahut log information diye hai lekin koi v itni saral se nehi samjhaya hai. Again Thanks a lot.
Thank You So Much🙏 Sir For Supporting And Subscribing Our Channel
I am totally wordless for your kind information sir.
Thank You So Much🙏 Sir For Supporting And Subscribing Our Channel
बहुत सुन्दर प्रस्तुति के लिए बधाई स्वीकार करें
Thank You So Much🙏 Sir
Superb Explanation.....Salute u and Very Very Thanks for this Great Knowledge with easy Analysis.
Thank You So Much Sir For Supporting and Subscribing Our Channel 🙏
OPS SHOULD BE REVERTED FOR ALL GOV EMPLOYEES....IN COLLABORATION WITH THE NPS FEVILITIES .....BUT MONTHLY PAY SHOULD BE THERE IN THE NEWPENSION SCHEME
Is video k according nps system bhot sahi hai sarkar ne 14% contribution kr diya hai iske baad total value 60 se bdhke 73 lakh tk ho jayegi ..aur is sab Me jo annual return milega vo add nhi kiya vo krne pr ye value 90 lakh k near ho jayegi . ..aur jo hme in hand pesa milne wala hai vo lghbhg double hoga ops k compare me pension jyada chahiye to 30 lakh leke 60 lakh ki annuity krwalo pension 40k k mil jayegi
NPS main 40 % annuity plan main rkhna pad raha h... aapko in hand nahi mila.. milta h to 9% interest... ye to galat hi h na.. 24 lacs Hawa main h.. 😂 agar bimari ho ya business karna ho to 9% interest se nahi hoga na. Meri marzi main Gulam Kyun banu.
Very nice full details nps and ops
Welcome and Thank You So Much Ji for Supporting and Subscribing Our Channel 🙏
There is actually no comparison between OPS and NPS. Govt saw huge drainage of money for pension purpose which is why this NPS. But NPS is not enough to survive. Hence alternative earning source must be arranged. OPS beneficiaries can sleep comfortably. Their pension increases with time passing by and they partially get benefits of pay revision too
Agreed Sir 💯 %
@@drhemalmodi9026 Old pension system started in the year 1977 when average life expectancy of Indians were just 52 years but today,it is 70 years. Due to various Govt care for Govt employees,life expectancy of a Govt employees are much higher than average Indians which is near about 75 years of age. Many ex Govt employees are enjoying 90 years and 95 years special hike of pension. Special hike of pension starts from 80 years of age. Apart from spouse who is eligible for family pension, even unmarried daughter or divorced daughter of Govt employees are eligible for family pension facility. All together,it is a huge burden but as because pension facility after retirement is a pact between Govt employees and Govt at the time of joining in the Govt department,, Govt can do nothing or break this pact unilaterally.
@@partha9752 The same shameless Government and opposition MLA MPs enjoys multiple pensions, even tax free in some states.
@@partha9752 right..but it should b ballanced in such a way that both categories can gain benefits equally.
Amount to be paid in ops should be reduced but the old scheme should not be terminated in sucha a way.or if they feel nps to be better they should make it more attractive by attributing more contribution so both categories can feel equaly satisfied.
@@drhemalmodi9026 but before joining the Govt service,terms and conditions are clearly laid down. So Govt neither can reduce facilities on OPS nor it can increase NPS facilities. What Govt can do is it's taxation policy on NPS which is revised on yearly basis. Same can be followed for OPS beneficiaries too.
Pure TH-cam me aisa explanation nhi hai great video sir.
NPS is one of best retirement scheme.....
सर धन्यवाद आपने बहुत अच्छा समझाया
सर मैं यह जानना चाह रहा था नई पेंशन स्कीम जब रिटायरमेंट होते हैं तो गवर्नमेंट टैक्स भी लेती है वह टेक्स्ट किस पर लगता है और कितना लगता है किसका
Ok i will let you know
पुरानी पेशन होनी चाहिए पुरानी पेशन सरकार लागू करे nos से सारे कर्मचारी दुखी है
Correct
Denikbetanwarkcharjksrmcharitajasamchar
No
kyun ki unko kisi ne sahi se bataya hi nhi h ki NPS hai kya
Modi ko vote diye...phir lagu karega
क्या खूब समझाया है सर एक बार मे पूरी डाउट क्लीअर👍👌💐😊
Thank You So Much🙏 Sir For Supporting Us
आपका सर्वेक्षण बहुत ग़लत है,90% क्यों चाहेंगे, 100% कर्मचारी ops चाहतें हैं 🤔🤔 यहां तुलना करना ही गलत है , ये दोनो अलग है। इनमें तुलनात्मक समीक्षा करना बहुत मुर्खतापूर्ण है।
Bahut mehnat se video banaya hai aapne.. Sab kuch bada aasani se samjhaya.. Ops is better than nps.. We want ops
Very clear lecture Sir...Its very much effective and learning full knowledge about OPS and NPS... Thank You Sir For This Nice Lecture...
OPS is best
But if govt not interested in ops then nps can be improved by following formula
1) 20 ..20 formula
That is 20 % deduction of tottal salary ( not of basic salary ) for nps should be done and same amount government should add to nps corpus
2) government employees should be given power to contribute to nps account if he will to add amount after 20 % also ...
3) lastly contribution should be added on time if deducted by DDO ......many times contribution to nps account is not on time ...
These small steps can make respected pension for government employees
Sir, vrs ka rules in nps ka, after 20 year , 80% and 20%, hay, and anutey interstate rate presents hay, 5.3%, sir, ap tik say bathai
U r right bro
Sab logo ko fayda milna chahiye
You Can Watch Our New Video On UPS
Very nice elaboration 👌👌
Thanks 😊
Thank You So Much🙏 Sir For supporting and subscribing our Channel
Well explained .....gov.contribution is 14% not 10 ...nd as per the matter discussed with Nps staff ... after completion of 20yrs the individual has to b purchased the annuity of 60% of Corpus ....means the guy will get 24 lacks in hand remaining will go for pension as per your chart .....thnx
center givt 14% But Rajasthan me 10% contribution h govt ka
Rajasthan mai OPS start jai jainayak
Right 14%
On 60% they have to pay tax?
Absolutely
Very good calculation, Thanks sir.
Welcome Sir And Keep Supporting Us
Bahut mehnat se bni hogi video itni calculations krni pdu.
Very informative.
👌👌👌
Thank You So Much🙏 Sir Bas Aap Sab ka support bana rahe
Very useful information sir ji...
Thanks for this 🙏🙏
Welcome Sir and Thank You So Much For Supporting And Subscribing our Channel
Very good massage ji app ka
NPS V/S OPS KA
Thank You So Much🙏 Ji
Vote for Akhilesh yadav... Inhone O.P.S.Dene ka wada kiya h..
Not possible
Bahut sundar explain sir ji🕉️🕉️🙏🙏
Welcome and Thank You So Much Ji for Supporting and Subscribing Our Channel 🙏
Sir, NPS contribution is calculated on the basis of Basic plus Da, but pf contribution is calculated on only basic pay. So how you calculated 10% deduction of pf on Da plus badic in ops. The effect of this in ops at retirement very less amount received as pf as compared your value of Rs.30.00 lac. and rate of int. On pf is not 10% .
Pls be practical.
I made one more video you can watch it
Aapki mehnat ko dil se salaam.... 👍👍👍👍
very well explained sir. I was not able to understand the difference clearly but your amazing way of explaining has made me get the point clear. thank you sir
Thank You So Much🙏 Sir For Supporting And Subscribing Our Channel
Aap easy method bataya sir thanks💕💕
Welcome 🙏 ji
Sir aap ne NPS ke bare main bohut ache tarike se samjaya thank you so much
Welcome Sir And Thanks for supporting and subscribing our Channel
Nps se jyada ops me pention ho rahi hai ye clear hai lekin ops pensanar ki pention after death close ho jati hai wife ke bad 18 yr. Abow ladaka ya ladaki ko nahi milati lekin nps me ye lifetime ek ke bad ek waris ko milati rahengi agar pention nahi lena chahate hai to band karke jis amt pe pention mill rahi hai vo nominy kabhibhi le sakata hai 2400000/- fir nps pention close hongi kul milake avr barabar dikh raha
Yes 👍
Very excellent explanation. Took a lot of effort to make us all understand. Keep it up 🙌and thank you for such a brilliant video
Thank You So Much🙏 Sir For Supporting and Subscribing Our Channel
Very nice video sir..
U hav cleared my doubts very well.
OPS should be back
Thank You So Much Sir For Supporting And Subscribing Our Channel 🙏
Pension level fix honi chahie employee ka minimum 12000 to 20000 Kam se Kam
Correct Sir
So nicely expalined Old pension scheme is much better
After 20 years 18000 NPS pension =1800 rupees pension.18000rs money is no value at that time.OPS need
Agreed sir
Only mutual funds investment can beat inflation bt STCG LTCG is there
Swp
Many people are still misguided....telling benefits of NPS ....... I could change my pension scheme from new to old ...thanks God 🙏😊😊
How could you change?
@@ASODeepak17 i joined after January 2004 but result of my final selection came in dec 2003 ...that's why I was eligible for OPS
@@rosyrani676 ohh...okay
Highly informative post and crystal clear clarity on OPS and NPS and definitely OPS is better than NPS.🙏
Nice video bahut sahi tarika sa samjaya 20:23
Old Pension should be revived by current Central Govt. Govt should give back OPS if it really cares about its citizen. It is bitter truth that NPS will never be a good option for financially freedom and security of employees and that also known by Govt. Why Govt is still enforcing the OPS to Defence employees If NPS is really good option ?
Yes 👍
Only 6 percent population in govt service but they get alloted 70 percent of budget amount for their salary and pension....in long term already govt is having a lot of debts....no govt will forsake 94 percent of the tax payers for the sake of 6 percent
defence people are putting their life at stake that's why they are getting this ops. You sit safely in your office doing no work and have best job security and want ops, you are really selfish. Why should taxes paid by me used for pension of you when even my hospital bills are not covered like yous.Govenment care about it's citizen so will not include ops as it drains the rsources
Loot lo government ko,Sankari damad bnke.....baki development budget jaye tel lene....Jis bhi state mein OPS hai,vo debt mein fanse hue hain...Bengal ho ya Rajasthan, Andhra ho ya punjab ...politicians ko power mein aane se mtlb ,development for non government public jaye tel lene......ledeke sb loot k central government k mathee madh denge..bna k states ko srilanka.....
Govt employees are part part of nation buliding mechanism. So they should not be exploited. Their lives should be secured.
बहुत अच्छे से समझाया
Thank You So Much🙏 Ji
It means, we will have to fight with govt. to take same all.
Yes sir
Tq sir great bohot sare video Dekhe lekin samj nahi aaya Aapne Bhohot aacche se samjaya tq
Welcome and Thank You So Much Ji for Supporting and Subscribing Our Channel 🙏
In UP govt employee contribution is 10% and employer(govt) contribution is 14%.
Central government also did the same
@Anuj Kumar Sahi se pata karo.Whatsapp university se bahar niklo
Now it is also the same in PUBLIC SECTOR BANKS
Very well explained.... pl. make a video for service less than 20 years
Ok Done ✅
Abhi army wale 62 lakh 26 years service main laye hain....2021 main
15 yeas army ki service hoti hai to 26 saal kese hogya bhai🙆🏻♂️
Bhai ...jo promotions lete hain...unki service hoti hai...
@@amiyajena2582 sahi bhola
@@amiyajena2582 sb ko promotion nhi milta 90 % ko 17 me Ghar ana hota hai jo wo 62 lakh lya hoga wo uska leave incase,AP fund saving hogi
Rajasthan,Chhattisgarh me Old Pension Start ho gyi phir se.
Yes But Implementation Ho
tab Pata Lagega Sir
In OPS employee do not contribute. That is why govt removed it from 2004.
Yes sir
Bahut hi sundar
Thank You So Much🙏 ji
Great very important information given by you thanks sir 🙏🙏🙏 God job sir
Welcome Sir And Thanks For Supporting And Subscribing Our Channel
अगर नौकरी 30 साल या अधिक हो तो NPS से बेहतर कुछ भी नही है। OPS उन बुढापे मे नौकरी लगे बाबुओ को लाभ की लगती है जिनको हर महीने थोडी-थोडी पेंशन चाहिये guarantee वाली लेकिन, एक मुश्त ज्यादा पैसा नही चाहिये।
Yes 🙌
in NPS for example 10% employee contribute karte hai & 10% Employer karte hai. This 10 % amount of what ? Basic ka 10% ya Gross ka 10%?
Basic +DA KA 10% Employee and 14% by government
Nice And Perfect comparison.
Thanks Ji 🙏
Don't you think we should have common pension scheme for everyone irrespective of whether they are doing govt or private job ? How about farmers and daily wage labourers. Everybody needs social security. Everybody pays same amount of taxes. Why to spend our tax money on only paying pension of govt employees ?
Yes 👍
everybody does not pay tax. only about 3% of Indian population pays tax
Why government enployee gets nps but ministers get ops... should their benefit be stopped...no one talks abouts mlas and ministers.
Absolutely, why should my hard earned taxes be utilized for their pensions when even my hospital bills are not covered like theirs.
@@dhananjaibareth4837 because MLA,MP doesn't care about country future ,education ,healthcare,their children studying in foreign ,they take health facility in foreign , but we care about country future ,India haven't any world class infrastructure, healthcare, education, and why only government employee need pension not private sector employee ,India is most corrupt country because of government employee ,who want to teach his student in government school, not government teacher itself,
Vdo Bahut hii accha hain Nxt vdo joh hai abhi OPS ka jawan 20 years meh pension janese ketna pension milega Plz
Ok Sir Sure
40% ka jo annuity kharida jata hai wo phir milta hai ya nahe
agar usko after retirement kuch ho jaye to kya hoga
Sir I Will Make a Video regarding this soon
Annuity milta h every month and.. Subscriber ke death hone pe nominee ko 40% corpus refund Ho jata h
Thank you sir very helpful vidio
Welcome and Thank You So Much Ji for Supporting and Subscribing Our Channel 🙏
Sir IRS ke video banaye Salary and promotion, quater , car, allowance etc❤️
Ok Ji
@@LearnWithRevant w1
Apki bate bahut acchi lagi sir .
Thank You So Much🙏 Sir
18000 उस समय वृद्धा पेंशन वालो को भी मिलेगा
👍👍Inflation rate 6 hai . .tab tak 18000 bhi aaj ke 5000 sa reh jayega
Bhai nps me government ka aur employee ka contribution 10+14%hai. aur jo 20 sal me contribution hoga uspar shear market ka minimum 10 % return/year bhi hai.
Yes
What about the market condition ? What will happened if the market goes down continuously just before retirement ?
In that case you are screwed both ways.
Nicely described
40 % anuity ammount employee ke expire hone k baad family ko milega???
Yes
Even after investing in NPS, If they are not able to generate half of their last drawn salary as a pension.
Than, how do you think government can afford to pay you pension using OPS system? that too without any deductions in salary or any sort of investment.
Working in private sector, I am not an idiot to pay Tax so that government can distribute it as pension to government employee.
Sir take 60 lakhs of entire corpus in annuity with factoring annuity rate of 9% .This will make the pension as Rs.45000.Since one can annuitise 100% of the retirement corpus as 60% and 40% are extreme choices.Another thing you missed out in case of NPS one can avail return of purchase price unlike in OPS.
Yes but most of the employees wants retirement sum as lumpsum
@@LearnWithRevant Thats actually advantages of nps by giving 60% as lumpsump. Plus what if pension holder dies spouse wl get 50% and if both dies than nothing to offspring. In case of nps u get everything
Remember u r contributing 10% of your salary to NPS... make that 10% contribution in any SIP of Mutual fund and add it to OPS benefits....u will find OPS much better....
2nd thing since the comparison is of 20yrs, NPS is showing such growth...but for those who have less service period gets merely 2000-3000 per month of pension...is that enough for a man during his retirement.....
Nice video bahut ahha samjaya gya
SIR Plz 2004 Ka Celculeat kijiea twenty Years Ka NPS/ OPS
Ok i will make a separate video on it
Good knowledge
Thank for sharing
Welcome Sir and Thank You So Much For Supporting and Subscribing Our Channel
Let's govt implement this on there minister
They are getting 5 pensions
Yes Sir Sure
Agreed 😡😡😡
Yrr ye neta desh ko bech khaa jayenge loggo ko kuch nhi milega
Very well explained, Thank you sir🙏🙏
Sir You calculate pension in ops appox 42000 and in NPS 19000
Difference between OPS AND NPS IS 42000-19000=(APPROX)23000 PER MONTH
MEANS IN OPS 23000/-PER MONTH HIGHER THAN FROM NPS
AND 23000×12=276000 PER YEAR
NOW
अगर 61 year ki age me OPS employee ki death ho jati hai to use 276000 hi jyada milenge
Aur nps employee ki death agar 61 ki age me hoti hai to unke nominee ko remain part which was
24 lac milenge
In rajasthan, his family get family pension.
Yes 👍
Bahut assumption kar rahe ho agar 71-75 years me death hogi to
275000*15=4000000approx aur d.a alag se badhega
Assumption me jyada jee rahe ho
@@adda347_study Wah
@@adda347_study paisa leke jayega
Jaisa ki inhone btaya ki 90% log ops ki mang kar rahe hai or 10% log jo hai wo nps ki mang kar rahe hai to agar govt ko ye lagta hai ki ops me employed ki puri manurity nhi hai to jo jaisa me rahna chata hai use whi options do choose by employers
Tks
Yes 👍
पुरानी पेंशन लागू होनी चाहिए#
Yes 🙌
I m a CG employee in level 4 and after completion of 10 years service in Dec 2021 my nps total fund just 6L. I don't know how are you calculating NPS with the interest of 10% which as NPS also give negative interest rate also depend on market condition.
It depends on how much money you have contributed in equity protion
As per video, my contribution is more than that show in video and from 2016 to 2021 since my contribution is more than 2000 pay grade my Balance should have been more.
@@sumitsharma5698 don't worry sir ab to ops aa gaya cg me
@@sumitverma3338 Verma Ji CG m ops aa gya " Good Joke"
@@LearnWithRevant Government employee have no right to choose equity portion oneself. Default parameter is set for Government employee
Old pension is much better from every situation.
Yes
बहुत अच्छा वर्णन किया आपने धन्यवाद!
बहुत बहुत धन्यवाद बस आपका सहयोग एसा ही बना रहे।
Sir hamrari family penshion 2011 me lagni thi but kisi karan varsh nahi lag paye .to kya hame 10 sallo ka arrear milega or kya jab penshion lagege us ke sath hi mulega arrear ya kuch month bad .please reply sir🙏
Reply sir please
Yes
@@LearnWithRevant sir first penshion ke sath milega ya kych mahino bad ye bhi bata do please
Vai ek information dena jaruri tha, NPS me 40% paisa diya jata hai, or 20% paisa govt. Ko tax dekar lena parta hay। To kulmilake NPS employee 24 lack + (12 lack - tax %) hoga।
Baki ka video baria raha, 👍👍
Thanks Sir 🙏
NPS is best👌👌💯💥
🙏
Andhbhakt sasur😡😡😡😡😡
60%amount के ऊपर भी 10% का टैक्स लगेगा सर जी। यानी कि कर्मचारियों को सिर्फ 50% ही पैसा मिलेगा। in nps. After retirement.
No Tax On It
60% tax free h
NPS means No Pension scheme
👍
Shandar
Thanks Sir for supporting and subscribing our channel 🙏
हमारे युनियन के नेता ओओ समझ में नहीं आया, अब कुछ नहीं हो सकता 1 अप्रैल 2004 के बाद की भर्ती कर्मचारियों के लिए, n ps है, कर्मचारियों को कमजोर करने की नीति है.
Correct Sir
Jinko job lag gaya hai vo or mare pade hai OPS ke liye , fayda bhi chahiye or apne job area me koi improvement bhi nahi. Na jane kitne log unemployment hai or job hai bhi to 15k se kam kamate hai
Ha
How can you calculate same da for 20years while da changes two Times in a year 😕
Please check again
Yes
In NPS after retirement of 20years only 20% withdrawal amount remaining 80% Govt will pay as annuity after 60 years it will reduce to 40% , 60%-40% ratio at the time of 60 years of retirement..Plz correct in the video, give ri8 information 🙏
U r right Sir. Only 20% withdrawal amount as lumpsum on retirement after 20 years and not 60% as explained in this video. Try to give the right info...
Excellent video 👌
Lekin ops bahut jaroori hy jindagi ke lia😥
Thank You So Much🙏 Sir
Bhai saab 20 year me only 20% cash milega or 80% annuty leni hogi
Aaj aanuaty rate 5_6% hai
Me bsf me 2006 se hu 16 year running chal rahi service meri abhi 15 lakh nahi hua to 5 year me 6 lakh ho jayega total 21_22 lakh ho jayega 20 year me
Iska 20%cash milega 4.5lakh man lijeye
Pension max 10000 hogi
Total bakwas hai nps
Sahi kaha
Ap total corpus ka 60% withdrawal Ho jayega.. Baki 40% ka apko lifetime pension milega
Sir Jharkhand me Agr koi New employee Join krega to usse konsa Pension milega 2023-2024 me Join krta to
NPS
Few corrections:
1) Employers contribution is 14% not 10%.
2) Why only 20 years working? Consider 30 years for realistic results.
3) PPF has lower interest rate than NPS, you didn't consider that.( Even 1% can have huge effect over 30 years).
For better comparison consider only 30L as lump-sum in both cases and rest all in annuity.
Apply these changes and you will find NPS better. Thanks.
I uploaded one video on your statistics please watch
@@LearnWithRevant link?
@@gauravagrawal9265 th-cam.com/video/lpYhlAfQXqI/w-d-xo.html
Employers contribution is 14% on what? basic salary or monthly gross?
If 30 year consider than ops penios will be also more
Good informative vedio....ops sahiye hme
👍👌
OPS sirf defence personals ko chalu he sirf.....
Aur wo bhi band krna chahti he Govt
Correct
अभी राजस्थान goverment के कर्मचारी रिटायर हुए उनकी पेंशन,1500 रुपये बनी 20वर्ष की सर्विस करने के बाद में।थर्ड ग्रेड टीचर की।
माफ़ी चाहता हूँ सर लेकिन 20 साल की सेवा वर्ष 2005 में पूर्ण होगी 🙏
@@LearnWithRevant सर nps भी 2004 से लागू है,2008 की भर्ती में लगे,अधिक आयु के शिक्षक अभी रिटायर हो रहे हैं।उनकी यह पेंशन nps में बनी है।