OPS vs NPS: कौन सी Pension योजना है बेहतर | OnlyIAS
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- เผยแพร่เมื่อ 9 ม.ค. 2023
- #upsc #OPS vs NPS #pension_scheme #Opsvsnpsdifference
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सरकार पे पेंशन का बोझ बढ़ रहा है , इसलिए देशहित और जनहित में सभी सांसदों , विधायको की पेंशन समाप्त का देनी चाहिए , और यदि ऐसा संभव न हो तो सभी सरकारी कर्मियों की तरह उनको भी NPS से जोड़ देना चाहिए ।
👍 right
सभी लोगो की पेंशन बंद कर दिया जन चहिए क्यों की सभी नेता भी देश के लिए भार है
Agar pe neta par nps ka bill neta pass hi nhi hone dega
Sansad khudki pnsion kyu nhi bandh karte hai?
Agr NPS achha hota to sabse phle hmare desh ke sare neta us par toot padte kyonki jitni bhi achhi chize hoti hai neta log sbse phle use khud ke liye surakshit krte hai
Vo b ek sath ek se jyada पेंशन ले रहे है नेता जी
Bhai ye sab bs common log k liye hota hai. Unko lagta hai common log kya hi kar lenge. Khud k liye to best se best facilities.
@@infection0508 absolutely right
Kon hai re
@@Bhagwansedarr69 apke Papa
क्या बात है गवर्नमेंट एम्प्लॉय को पेंशन मिले तो दिक्कत हो रही है और नेता लोगो को डबल ट्रिपल पेंशन मिले वो सही है।
There are some hilarious argument made in this video ( I'll try to mention a few of them).
1. Return in NPS is 10 time less in best case scenario than OPS (If we take inflation in consideration at the time of retirement). God knows, what will happen, if return will slowdown to 3 to 4% in future (which will definitely happen as country's growth slows down).
2. There was a case made for inter-generational "BURDEN". If next generation can use road and bridges made by previous generation, which was made by hard labor and under poverty, then why can't they pay a share of their income for their pension (Because by that time India will be developed nation compare to today, and they will not have burden to make so much road, railways and bridges, since majority of them are already built by that time.
3. Employee's 10% contribution is reverse generational burden imposed upon the employee currently living under meager income group. their future expenses are imposed upon them in present (Return of which prove futile to meet future expenses keeping in mind the inflation). If they really want to meet the pension of OPS under NPS (Which is very much reasonable) then government will have to increase their 14 % to 140% + link it to CPI index and fulfil the remaining amount (due to inflation) by its own fund. We all know its heavenly impossible to ask for. Hence, NPS is totally fraud scheme.
4. It was a bad decision to impose the future expenses on present which was already super-stressed (for both government and employee) just for the benefit of corporate sector. Because they are manipulating the money and making a fortune out of it. During corona period all return were in negative of 10% or plus. So just one bad incident (like recession of 2008 or corona 2020) and they will vanish the money like magic.
organized
सर मैं हिंदी मीडियम का स्टूडेंट हूं, मुझे पता है सर इकोनॉमी कठिन है लेकिन आप से पढ़ने के बाद लग रहा है कि आसान हो जाएगी।👍👍💗🙏
Ryt sir, thanku so much for teaching this beautiful concept
People are resisting to change since they ain't friendly with share market. OPS m shanti se sidhe sidhe aadhe paise mil jate the bohot tha unke liye. Ab yha risk involved h
It was good video thank you for this knowledge
Economics is totally easy when you teach nor technical not difficult
And option d is right answer
And ops is better because it give a security to old parents from their meaningful child
Like budda buddiya pde pde khata h and all and all
Thanks sir for this knowledge
Economy is technical,but it's cup of tea for me....💝
आपातकाल में देश के कर्मचारी खतरा लेकर कार्य करते है लेकिन जब उनके भविष्य का सवाल आता है तो .... राजकोषीय घाटा, अर्थव्यवस्था पर खतरा नजर आता है।
Mp MLA की पेंशन से कोई खतरा नही है क्या?
Giving interview this time ….found very helpful..thank you ❤
watch interview?
Thank You So Much Sir !!!!
Ans (d) neither 1 nor 2.
Very nice explanation sir...yes sir economy technical hai, par tough nahi..
Sir lecture samajh aa gaya. Hence, it is proved that Economy is technical but not tough. Answer is D. Neither 1 nor 2.
Ye tujhe technical lag rha hai . Bhai tum logo ka level kitne neeche hai
@@creativestudio3343 Aur tumhara soch kitna neeche hai...
This is best video to understand deeply .
Thank you😊
Sr lecture samaj aa gya good video
Thanks 🙏 sir
Nicely explained sir.
Thank you sir
Govt. Should Ensure that it will pay difference of 50% of last basic pay if it will less.
Nice session sir
Pehle govt jab OPS de rhi thi tab bhi road highway ban rhe the.... 1950 me jo asset (ex. Land) 3000 me mil jate wo aaj 02 lakh me bhi nahi milenge.. Aaj to economy boost par hai desh tarakki par hai to kya desh sri lanka ban jayega kya
As a government servant who served the nation must get dignified life after retirement. In new pension scheme it is next to impossible to for example the person who got last sallery about 1 lakh that person get pension approximately 5000 thousand do you think it is justice with him
Kya farmers, labour, private employees, shopkeeper others professional desh kile kam nehi karte?
Like mp, mla u r thinking for your own benefit.
Govt employees g marao
Everyone knows how Government employee work. Even to complete some government related work one has to rome around 2-3 times in gov office and on the Top of which he need to pay bribes to complete the works.
Also, why can't government employee invest in NPS like all other private employee by taking some risk??? Atleast, government employee job is more secure than private employee so they shouldn't complain about investing in NPS.
In 0 P S only employee contribute 10 percent out of his salary up to retirement in G P F and Government does not contribute if pension is given and OPS pension is not tax free although GPF amount is free at the the time of retirement received. 50 percent of the last basic pay at the time of retirement plus DA with regular increase will be be given in OlD pension.
Option-D
Introduce NPS with some changes
1-fixed payment system as it was in OPS
Only OPS
Option D
Economy technical hai ,par rishab sir hai to Aasan hai ❤
Jay ho🙏🙏
Thanks sir
In nps no pension after retirement
80000 thousand salary pane wale 2000 pension paa rhe hai NPS , Aaj ke mehangi k hisab se ky 2000 thik h
Kon pa rha h 2k 80k pr
Pdhe likhe logo Vali bt nhi h ye
Options D sahi h OPS government burden reduce nhi karti h balki increase karti h . NPS me government and private dono employees include hai.
Biggest drawback - Pension gets increments every year under OPS, whereas the NPS remain constant…. How to beat Inflation ??
NPS share market par depend hai aur jokhim Purna yojna hai jitna Paisa aap jma krenge Umar bhar vo bhi milega iski guarantee bhi nhi hai
Help full video
Thank you sir🙏
एक प्रश्न है?
पति पत्नी दोनो सरकारी नौकरी में है NPS aur ops में से एक चुनना है
दोनो एक ही चुनें या अलग अलग
कृपया बताएं 🙏
Sir aap mapping weekly series again start kr dijiye please, I am requesting to you
It is technical but not tough
Hindi me notes dena start Karo sir taki hum bhi hindhi medium bhi apka course purchase kar sakte hai
Sir what about pension of MP and MLA`s
Economy technical h bt tough n
Data ko include inflation k sath karte to achha hota
NPS barbadi h 😢😢😢 neta log 4 pension 10 pension le rhe h unka kya fir.
d) neither 1 nor 2
To bhaiya kewal serviceman hi apna NPS le agar itna hi achcha hai to neta log kyu nahi NPS lekr desh hit me kam karte aap ko NPS aur ops ki aur jankari lekr aana chahiye sir
Ops is the best
Sir, OPS me v to PF deduction hota tha n shayad?
If yes, then contribution sirf govt ka kaise hua, plz clear it.
In OPS contribution by employee is not mandatory..if you want to contribute then u can withdraw it at any time
Plzzz mains ques sir
Wazifa,,har ghar dis tv etc jaise faltu scheme can through tax money but can't give pensions to GOvt. Employees.
Smjh aa gya sir
Option D
Ops matlab garanti aur NPS matlab koi garanti nhi aap ka kitna paisa kta aur kitna milega iski koi garanti nhi hai aur ops me iski garanti hai bus yhi garanti kahiye NPS me
OPS is Good for employees
Hindi medium se hu sir❤
Aap jaise teacher ajye ... Koi knowledge gain ninkr skta 😅
Nps lagu hoga to sarre mp, MLA ke upar bhi nps lagu kia jae,aur para military,police personnel, emergency department logo ka salary increase karna cahiye
nps meaning no pension scheme
From where retirement comes?
Economy technical par tought nahi
Stop
MLA, or MP pension
Ans-d
Ans -D
NPS bhedbhav purn hai.
Only ias must make video why is it applicable to employee why not for leaders
Ops is better difference can be seen from the vehicles used by a government servent, a politician's family and a business man's family
If we look at the car owner chart it will be seen that a middle class family is only able to afford a car under 10 to 15 lakhs on road , a politician is using cars above 50 lakhs on road and the average business man is using cars ranging from 50 to 5 cr on road from that view a govt servent is in the lowest chain so ops is better if not the best
As for the burden part take more taxes from the big business man India is a developing nation we don't need super cars right not ,atleast the average common man's priorities doesn't contain a supercar
Technical but not tough
Ops is d best
Tax to ops per bhi dena parta hai.
Neither 1 nor 2
Money not from govt. It is the tax collected from govt employee.
Nps k baad to tax aur jyada badh gya cost of living in rease ho gyi hamare paisa kha gya?
Neither one nor two
भाई आपका पैसा अडानी अम्बानी को धनी बनाने के लिए नहीं होना चाहिए तो ops अच्छी है
Jo bhi lagu ho sabse pahle neta saansad vidhayko par lagu hona chahiye
Bidhayak kharidne ka paisa kon se fund se aata hai.... Bjp कार्यालय banane ka paisa kahan se aata hai.. चुनाव karwane me lakho crore kahan se aata hai.... Congress pension dete hue aiims, iit, dam, bridge railway sab ko develop kiya...
Answer D
NPS etna hi acha h to ye sabhi par lagu hona chahiye.. chahe wo politician ho ya koi aur service man. Sabhi to desh k liye seva kar rhe h.. fir kyon kisi ko OPS kisi ko NPS..
Guaranteed pension or old pension only
Everyone knows how Government employee work. Even to complete some government related work one has to rome around 2-3 times in gov office and on the Top of which he need to pay bribes to complete the works.
Also, why can't government employee invest in NPS like all other private employee by taking some risk??? Atleast, government employee job is more secure than private employee so they shouldn't complain about investing in NPS.
Why leader takes OPS
sir please sure neutrality
Jo purane log hain ops wale unka 10% Kaat k humara nps 20% aur Govt ka share 28% total hua 48% aur humari fix pension 40% kr doh +DA.
Iss se Govt ko koi ghata b nhi pdega aur samasya b hal ho jyegi
B)2 only
आप जो सरकार की बकालत कर रहे हैं यही बकालत सरकार के जो नेता कयी करी पेंशन ले रहे हैं को भीबताऐ
D neither correct
Why army and politicians come under ops?
We should demand for ops.
Kya govt ki koi responsibility nhi hai, us employee ke liye jisne apna pura youth govt ke liye de diya, ab usko old age me kiska sahara milega
Aur rahi baat highway, airports ki to vo to phele bhi Bane they,
Ye to govt ki responsibility hai old age me apne staff ki care karna
Ase to fir govt employees ke family or self me medical expenditure bhi kaafi jyada hota hai to kya govt ko vo bhi limit kar dena chaiye
option -d both statements are incorrect
Only OPS Nothing else
Sir ab umr lambi nhi short hoti jari h
Only OPS option D
NPS is good if we see the long term objectives.
Option D
#ops is the only best option for employees if it is not good for the nation then why leaders are getting ops benefit
Why aren’t you sure whether it New or National Pension Scheme?😅
20:19 Ans: Option D
One thing I understood that one employee gives his life of 30 toung 35 years in govt and get retires. Then govt should pay seva nivrity Vetan to that employee because he deserves that to live his rest life peacefully. But no, govt want to give burden to that employee after retirement as well. There are many flaws in this scheme. I urge people don't over look this scheme. Go deep and think from an rural and urban settled employees. They need happy and effortless life after retirement. There are many other ways govt is taking high GSTs, increasing inflation every year and targeting only rural area people or salaried people. Govt and there big business allies want our saved money and use in market to increase there business and if the business goes down the risk will be at salaried people. Don't be greedy for money after retirement. OPS is good. Get fixed amount and live rest of the life peacefully.
In OPS private sector employees get nothing. Private sector employees also work 30-40 years. They don’t get facilities like government employees. Literally all non-government employees pay for the retirement benefits of government employees while they themselves get nothing after retirement. Also, even if we keep tax rate for rich people of India at 100% every year , it will not be enough to pay for the pension (under OPS) for all government employees.
Neither 1 nor 2
NPS is available to all organised as well as unorganized, private as well as govt entities
OPS increases the burden of the state governments as the sole responsibility of financing the pension falls on the employer I.e. state government as it is available to only state government employees
You have no more information about NPS
Onlay for ops not for onlay carmshari ops
First stop MP MLAs pensions
Tax payers ke paise se murti banwai ja sakti hai, plane khareeda ja sakta hai mandir banwaya ja sakta hai masjid banwaya ja sakta hai par pension nahi di Jaa sakti....
+Chandrayaan
Bhai MLA or Jo sansad hai unko 7/8 pension mil rhi hai unki bhi band Karo na 😢
#BringBackOps