Hi Sir, Just need a suggestion. My parents are 57 now, so shall I ask them to invest some amount in nps or not. As only 3 yrs are remaining in nps entry. Request you to please let me know
Hi mandeep... I have 2 questions .. 1. Being a individual contributor of nps scheme.. can I invest more then 50k per year ?and is also exempt from tax ? 2. Can u tell me exit procedure of nps for individual contributor?will we have to go to POP physically to submit withdrawl form?
You guys should be given PadmaShri for educating India :) Your work is no less. I discovered your channel lately and I am watching all of your videos. God, I've missed so much.. I have learnt more from your videos than from my prof career of 7 yrs Hats off to you guys!!!! Lots of respect and keep up the excellent and extra ordinary work. Thank you sooo much!
Sir.. Assume i start NPS tier-1 account today and do premature exit after 5 years. Assume my corpus is 1.5lakh (less than 2.5lakh limit) after 5 years. Now, i choose full amount withdrawal. So, this 1.5lakh amount withdrawn in premature exit is taxed as per my tax slab rate or it is tax free..? Please clarify..
I’m a private firm employee & i opened NPS 3 years back. My sole reason was to get additional tax benefit of ₹50k. NPS in India is similar to 401(k) plan in the US. Although my purpose of investing in NPS still remains the same, but I would suggest private firm employees in their 20’s to get a head start & open a NPS. With better medical facilities & per capita income, our life expectancy is gonna increase in the near future. After retirement a steady monthly income will make you less dependent on your children & live life tension free.
I invest in 401(k) here in the U.S. I am planning to open NPS in India. Unlike our parents, it worries me that when we retire, there won't be any govt. pension for us.
very true...... NPS is similar to 401K........... students, employees, etc are not actually told about NPS in India..... EPF is automated....... not sure how many elders know about it
This is the only video which explains virtually each and every functional aspect of NPS (Tier 1 + Tier 2) along with the tax implications. Thanks for creating this useful content !!!
Hi @mandeep @rishabh. I have been binging all your playlists for the last 10 days and am almost done with more than 90 videos. I thoroughly enjoy them, which is evident as I took out the time to watch so many of these videos at 1.5x and also made notes. I just have one constructive feedback for you, so that future young people who would like to absorb good quality information quickly can be helped. The playlists efficiently groups the relevant videos, BUT, the order is not given. I had to many times go through the entire playlist, sometimes opening the wrong ordered video and then again identify the first one and open it. This is a very small request and has nothing to do with the thoroughly well-researched and amazing content. It can also be sorted easily if two people spend an hour each. Just a suggestion. Keep doing the amazing work. I love you guys for doing so. Cheers.
Hi mandeep, After watch all your vidoe i have decided to invest in NPS but when I tried opening account I have to select different scheme, which is quite a task can u make a video for comparing all schemes and how to allocate and how to select all, how to change funds etc. Kind of a final video to actually like u did for zerodha investment. Love ur content and dept of ur research.
This is the first time I came across u channel n found all the information so valuable I just opened both nps and term I wish I had come across u channel sometime back 👍
First of all thanks for the informative video. You have 1 subscriber more from today onwards. Can you please clear the following remaining doubts: Question 1) In case of death of beneficiary before 60, how much of the amount can be claimed? Question 2) After age 60, when annuity scheme starts, if a person dies prematurely what amount can be claimed?
Aap ne bohot simple tarike se sab bataya hai. Apka vdo dekhne ke baad NPS kafi asani se samaz aaya. Dhanyawad. Ek hi request hai ek example deke samzaiye ki x amount y years ke liye bharne pe Kitna pension milega...
आपसे एक निवेदन है कि आप Government employees के NPS और उनके रिटायरमेंट पर उनको क्या choose करना चाहिए इन सब की जानकारी जरूर दीजिए एक अलग से सेपरेट वीडियो आप इस पर बनाए ।
@@avnish.dixit_ Aapki baat sahi hai lekin aap khud Maan rahe hain ki kuchh ko chhor kar. Isliye maine comment kiya ki aap jisko reply kar rahe hain, ghushkhor bol rahe hain vo imaandaar bhi to ho sakta hai
Nice explanation on NPS features & its benefits. Can you also cover the impact/benefits in case of death/permanent disbility/permanent loss of income? What happens to the amount contributed in such cases?
Awesome video! Subway reference was too good :D A couple of questions around Annuity Plan - 1) For how many years do we have to take the annuity plan ? Or is it upto us to decide the duration since that will decide my monthly pension ? 2) At which tax rate will the pension income be taxable ?
Great content LLA. I have few questions if you can answer them I will really appreciate. 1. What happens on demise of NPS subscriber? 2. Can I switch from Active choice to Auto choice? 3. Is there any app which we can use to check NPS activities like we have for Mutual funds like ET Money?
This is what i was searching for. Thanks for information. Its been 2 years since i opened my NPS account but wasn't aware of the true knowledge of it. Good job.
Hi Sir, I have a question regarding NPS employer contribution. I know you already made one video on NPS but it would be great if you can address how an individual can take maximum benefit of NPS. As far as I know NPS benefit are 50000 as tax exemption in 80 CCD(1). However, there is one more thing as NPS employer contribution which can be maximum of 10% of basic pay. So will it make the deduction over and above 2 lakh limit of 80C + 80 CCD(1). If yes, then how can I leverage my existing NPS pran to add employer contribution? if I have seperate PRAN for corporate NPS and my personal contribution then having more than one PRAN id is not valid or recommended by NPS authority which can cause problem. Please share your thoughts on this. Thanks in advance !
@LabourLawAdvisor hello, i have a question related to employer contribution only. Can the employer do the investment for employee in backdate, atleast for same financial year. I tried checking varioua FAQs even in Protean website, but no help. Please advise. Thanks in advance.
Sir I have two questions: 1) Agar pehle 5 saal bond/debt select kiya tha or 5 saal baad equity ki option select karli ....toh kya equity select karne ke pehle wala debt bond me invested amount bhi equity me daal diya jata hai ? 2) 60 ki age ke baad bina fix kiye nahi withdrawal kar sakte jaise 62 ya 65 ki age me ?
Namskar Sir, Kripya Medical Leave/Sick Leave topic par ek video baniye, jisme agar Medical Certificate submit nhi karte to kya action liye ja sakte hai. OH&S ke purpose se kya view ho sakta hai? I love your way, how you tell and make understand the terms. It is really much appreciated. Thanks so much Sir.
The video doesn't mention anything about the additional 50K NPS amount that can be exempted under 80CCD(1B).. would like to know how will that change the decision?
Hi Mandeep, I watch your videos on RUclips and have learned a lot so I would like to say thank you for doing this great work. I have one query on NPS. I have recently opened NPS account after watching all 3 videos on NPS. Currently, I am doing 12% contribution in PF but now, I am willing to contribute in NPS. I have following queries. 1. Can I reduce PF contribution to 1800 per month instead of 12%? If yes, then how? 2. Shall I reduce PF contribution and invest that amount in NPS? I will get some benefit or not? It would be great if you can reply to me or create a video on this topic. Thanks, Mayank from Jaipur 🙂
hallo sir, sir (central government employee) nps scheme के उपर 1 सेप्रेट video बनाई ये pls. क्युंकि आपने जैसे बताया 2 type acc. (teiar 1,2) ये choicess hume अपने account ki कौनसी है नही पता तो आप 1 वीडियो goverment employees NPS sheme पे बनाई ये. धन्यवाद् 🙏🙏🙏
Thanks for the detailed video on NPS. I have one question. I was a Assam state govt employee( Assoc professor in a Medical College). I joined in 2012 and resigned in 2014.. I have a NPS account which was active when i was in the job but after resigning contribution stopped and since then it has been like that..Now how do I withdraw the amount or if i want to start again how do i go about it? Will i lose my money?
Dear Mr. Gill, Thank you for the simplified and immensely helpful video. Could you clarify if a govt. employee can choose active choice, if so, how? Thanks. VS
Bhaiya, I checked & the tax deduction is 50k for voluntary contribution 10% of basic salary in voluntary deduction by employer & 1.5lkh for mandatory deduction from salary
Thanks, I was not aware that I can get tax benefit beyond 50K by employer contribution. Apart from 80c. It's Tax part need more detail, as it's still confusing for lot.
If you have exhausted 1.5 lakh limit for 80C, you can get an exemption of another 50k if you put money in Nps on your own, on top of it if your employer provides nps contribute facility you can put 10 percent of your basic in nps which will be tax free
I recently started researching about investment. And I liked how honest and lucid your content is. I have few doubts about investment in NPS Tier 2. 1. Is the equity portion is only invested in index funds by fund managers of NPS? 2. Can I use NPS tier 2 as an alternate of mutual funds for short term investment. let's say around 3 years. keeping the equity portion max out to 75%. 3. Can I use NPS tier 2 as alternate to savings account keeping the proportion to 0% equity and 100% govt. bonds. 4. Is the govt. bond folio in NPS similar to debt funds in mutual funds? I feel most of my questions are connected. Please answer it here or make a short video on 'Can tier 2 NPS be used as alternate to MF or savings account for medium to short term investments. Thanks
Nice explanation, have one doubt. What if 40% amount is not utilised fully after retirement and the person dies, will the remaining money be transferred to beneficiary (if any) ?
Thanks for this knowledge, Just one question If total pension we received wil be 40% only afer age of 60 then if my yearly pension is below 5 lakhs then it will be considered as my only income source and i will be exempted from tax slap itself right?
Great video. It would be really great if you can throw some light on which fund manager to choose for Tier 1. How to check their performance for the last 10 year (or more) across different class like Equity
While enrolling for nps I got to know their are two CRA, KFIntech and NSDL. Do tell us about it and difffence between two. Even a comparision will be better
few quires with respect to opening NPS online. 1. what is the difference between individual and corporate subscriber in the eNPS site. 2. My org contribute to NPS so should I open account as corporate subscriber. 3. If I open account as corporate subscriber, will I be able to contribute as individual also. 4. What happens to this NPS account, if I leave my present organization
One thing to keep in mind that NPS employer contribution is part of your ctc similar to PF. Very long term investment plan will never be helpful. Real life example: My dad invested 300 rupees per month with 12% compound interest and after 20 years he got 3 lakhs rupees. 20 year back 300 rupees per month was a big amount. The money he got after 20 year is not valuable as compare to 20 year back. So I feel very long term investment is not a good idea because indian rupees is always falling. Instead you can invest some where else like land, gold. Choose your investment wisely.
Agriculture land near industrial area is the best option. Or buy plots in industrial area and make rental properties. This is best option for regular income.
I have withdrawn the amount of Rs.180000/- i.e. full amount on attaining 60 years of age. Can I again start investing? Will I get fresh PRAN or my old PRAN will continue?
Hi LLA Team, I need your opinion on below queries: 1. If I opt for corporate nps account then what charges will be charged on my investment? 2. Is there any annual charge on nps corporate nps account? 3. Do we have any other way to invest in corporate nps account instead of POP ? Thanks in advance!
In current situation lot of govt employees r complaining to ban nps n start old pension scheme as after investing for more than 30 yrs in Nps they r hardly getting pension of rs1500 to 2000 because the pension amount is dependent on market condition.so what u have to say about that?is Nps still a good investment option as at the age of 60 a person doesn't want to get a pension of only rs1500
Yesssss ys ys you r right.. Aisa hi hota he last me sifr 1000 rs month aata he all amount uske pas raheta he hamri bachat k isase achha to fd me incom jayda hogi..
AAP thodi iski details jaano pehla, 1500 pension sirf usko milegi Jisna poori life sirf approx 200000 h contribution Kia, You must search NPS calculator That will help you for some details
Not true, 1500/2000 pension unhe mil rahi hai jinki sirf 6-8 saal ki service hai (baki wo contract pe the ,so actual employment tenure on government payroll is not more then 8 years). Of course usmai unka contribution he itna nahi hai ki koi pension ban paye. On the other hand agar koi 30 saal contribution karega to obviously usko accha return milega.
I would suggest you please search the facts and figures before coming to a conclusion. Search those Govt. employees amount of contribution, the number of years of contribution, the percentage invested in annuity etc. before making any comment. Surely, I believe that you will be in a better position. I know one uncle who worked in the private organization for the past 21 years, believe it or not, he is getting Rs 19580/- per month through NPS (he said it). He has other investments like RD, FD, SIP, Insurance as well. When I asked how he managed to do this, he simply replied, "Saving is an Art, Saab ki baas ki Baat Nahi hai. Long hail Warren Buffet". So, my friend, it is deemed to be difficult but not impossible.
Some very important questions: What are the charge structures in NPS, please make a video on this. It looks like for each remittance the charge of POP-SP (20 rs or 10rs minimum) and CRA (3.75 per txn) are very high. Also please explain D-Remit feature in that. I am still not clear whether D-Remit is entirely free or not.
National Pension Scheme is designed to offer monetary help to a subscriber after retirement, it also offers certain death benefits. In case of death of a subscriber, the nominee/legal heir is entitled to withdraw the accumulated money.
NPS mein additional 50K deduction ke liye 1.5L ka hi NPS investment chahiye kya? Aur PPF + NPS dono investment hum kar sakte hai kya under 80C upto 1.5L?
Good information sir but I didn't understood one thing: After 60 years jo Annuity plan lena hota h so Annuity kab tak milti rahegi...... Will be able to recieve all our 40% annuity amount in terms of Pension??
good morning sir, meina apki NPS scheme dekhi bahot attractive lagi ..aur nps account bhi open kar liya. but mera maan ma kuch question ha jo apsa puchna chahta hu. jaisa mera first contibution tha vo meina 2200rs ka kiya(jo video ma 500 ka dekhaya tha ) .kya yeh mera statement ma show pura show hoga. 2nd meina esign verify kiya ha kya yeh CRA ko copy send karni padegi 3rd contribution karna ka liya auto debit ka option provide hota ha ya humko khud hi deposit net banking sa karna padega.. 4th ya PRAN card aur tpin kab tak provide kiya jayega... please sir in sawalo ko short out kar da.
NPS is good for Unemployment/self employed/private sector but This is hanikart for Govt employees Becoz Old pension scheme is best... Agr aaap ko itni he best lgti hai to ... NPS lagu kro... Politicians aur Indian Army ko b ... Why these two's are exempted from NPS ??????????
@@LabourLawAdvisor Ab bnd kr dia bahi... pehle marne tk pension milti the govt emp ko aur us k baad me bv ko ... lakin nps me apne he paise dia hua .. wapic pension milegaa ... matlab ...jaise he wo 10 ya 12 saal me ktm buda kis ki jaan ko royegaa... almost log govt sector ko isi lye chunte hain ta k wo budape ka sahara bn sake .. lakin BJP ne wo sahara chin lia
Nice Video Mandeep Ji. But still certain points not covered... like 1. What happens to Funds if Person die b4 60 years of age ? 2. What happens if person withdraw 60% of funds at 60 years of age & die ? 3. Is Nominee facility available ? Is nominee get the balanced funds ? Please revert.
Amazingly covered content. I am so glab to be a subscriber of LLA.Just felt the need to know about NPS today and got complete information here. Hope whole process of NPS is same as it was 2 years ago (At the time of upload of this video).
How NPS investment works? I mean , if we bought some units in first year, what will be their value in next upcoming years. Will it remain fixed or keeps on changing till age of 60?
Sir I have a doubt about NPS Tax exemption. If I only invest 50000 in NPS, then can I claim tax exemption Of 1.5 lakh through CPF & ELSS under section 80C and claim tax exemption of the amount I invested in NPS i.e. 50000 under under section 80CCD (1B)
Sir; ek baat batao; abhi annuity pension NPS mein 6% le Raha hai...kya Aj se 30 yr.s Baadh yehi rate of annuity rahega fixed guranteed? Bcz.agar ush time annuity pension rate 6% Nahi raha tab to loss hai bcz.pension kaam aayega ush time aur 40% paisha Bhi Nahin milega.. Please give reply..
Wanted to know is their any Return's 💰 after my Death 💀 to my Family 👪 ...! For example my Death 💀 is at my 75 Years or before 60 Years. So my family 👪 get any Return's...?💰. In any form as Pension or Lumsum as nominated Name register in NPS. I know after 60 year of my age I will get Pension. What about Amount Invested in Annuity Plan, do my Family 👪 get after my Death 💀...?
There are different type of plans while taking pension. Either you get pension till your death then your nominee gets pension or you get pension till death and nominee gets lumpsum after your death etc
On the death of contributor before age of 60, a lumpsum amount be received by nominee, however after 60, there various scheme of annuity for pension offered by insurance companies, need to choose one among them..
There are 4 options available. Check Nps website. You,your wife even after death of you & your wife your children can get the only depends on which scheme you're choosing at time of taking annuity plan.
I have an NPS account which were opened when I am in Government sector , now I have switched to corporate sector now my contribution I think also stopped . I want to contribute now also but where should I go? But I wonder still I am getting an message of my NPSs statement . But I am contributing any thing Is any one can help?? I want to run my account smooth manner .
Active Choice aur Auto Choice me aapas me chahe jab switch kar sakte hain kya, aur kitni baar kar sakte hain sir aur jo Auto Choice me 3 option hain Aggressive Life Cycle Fund, Moderate Life Cycle Fund, Conservative Life Cycle Fund unme bhi aapas me switch kar sakte hain kya
Me State government ka employee hu to krupaya karke govt employee ko NPS kaise fayda me hai is par video banavo. And TIER -I , TIER-II pe dedicated video banavo.
Sir my question is - at the time of withdrawal, my annuity provider need to my POP's insurance policy? Example - suppose my POP is ICICI Bank and the time of annuity, I've to choose pensions scheme from ICICI insurance only or I can choose any other pension provider like SBI General Insurance?
NPS से कोई रिटर्न नहीं मिलने वाला है । बेकार प्लान है। अच्छा होगा कि अपना पैसा सोच समज कर लगाए क्योंकि यह शेयर मार्केट पर आधारित है। झूठ कहते हैं कि इससे हाई रिटर्न मिलता है आज तक किसी को हाई रिटर्न मिली हो तो बताना जरूर।
Very good educating video on the topic. Liked it. Very much appreciated. One question though: what is NPS TIER2 TAX SAVER ACC and can we operate TIER2 W/O TAX SAVER and TIER2 TAX SAVER simultaneously?
Few doubts :- 1. What if something happens to person before or after 60 years . 2.Pension received after 60years will be taxed on what bases ? He won’t be earning so he doesn’t fall under any tax slab . . Aap bhut aache se samjate ho . Thank u so much .
राजस्थान सरकार ने ओल्ड पेंशन स्कीम GPF शुरू कर दी हैं। और SI STATE INSURANCE भी हैं। तो NPS, GPF, PPF, SI के बारे में एक compartive वीडियो जरूर दीजियेगा। हेल्थ के लिए RGHS Rajasthan Government Health Scheme है तो क्या Health Insurance लेना चाहिए या नहीं?
Sir NPS me ager 50000 ka invest kare annually aur baki 1.5 L ppf pf elss me kare tab bhi 50000 ka 80ccD(1b) k under Tex banefit le sakte hai ya 2L NPS me dalenge tabhi milega ?
Thank you Mandeep, Please explain add the death benefits of NPS, like if subscribers are not able to contribute because of death or if 40% amount is not utilized fully after retirement and the person dies.
I opned NPS online through eNPS as NRI few years back. Now I want to change it to resident NPS account. I searched online everywhere but never got info on how to update it. Pls shed some light on this. TIA!!
i was employed with private firm and have to leave job due to corona, can I can I continue my EPF account for NPS. Kindly advise. You are doing great job by coaching people like us. TIA
Gill bhai, which will be better in a general sceneio: 1) retirement plans throughout the service life + annuity plan at the time of retirement Or 2) pension plans
I have a question whose answer Was not available anywhere is: Should we add the emloyers contribution of NPS in total gross salary of an employee while filing income tax returns ? Generally, employers contribution is not included in total salary but if we can clam employers contribution deduction then shouldnt we show it as our income first ?? If yes, can you provide a supported article?
Very informative video, plZ give me one more answer, what if employee dies before 60 yr age, accidently , then can her family withdraw or use the invested money by her mother ( employee)
Abhi me 27 years ka aur as a gov. Employee me NPS me contribution karwana chalu karu...Aur next 10 se 15 sal ke bad job ke sivay kuch aur ka plan ho par me tabh mere NPS account chalu rahega ya fir bandh hojayega ?
Abhi mera age 24 hai or mai NPS pae 45 sal tak contribute karu matlab 21 sal contribute karu. Or uske bad mai exit retairment lelu to iska calculator par kese dekhu... Or ha agar 60 age tak invest karu to jiyada se jiyada kitne sal tak mujhe pension milega
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Ager ham bession karte hai or nps jama karte hai to kya jitna ham jama karenge utna hi sarkar jama karegi
Pls compare the advantages and disadvantages of investment in nps tier 2 comparing it with mutual funds..
Hi Sir,
Just need a suggestion.
My parents are 57 now, so shall I ask them to invest some amount in nps or not.
As only 3 yrs are remaining in nps entry.
Request you to please let me know
Sir in the premature exit, do we do need to wait for 60 years for pension or we get pension start with premature exit year onwards
Hi mandeep... I have 2 questions .. 1. Being a individual contributor of nps scheme.. can I invest more then 50k per year ?and is also exempt from tax ? 2. Can u tell me exit procedure of nps for individual contributor?will we have to go to POP physically to submit withdrawl form?
You guys should be given PadmaShri for educating India :) Your work is no less. I discovered your channel lately and I am watching all of your videos. God, I've missed so much.. I have learnt more from your videos than from my prof career of 7 yrs
Hats off to you guys!!!! Lots of respect and keep up the excellent and extra ordinary work. Thank you sooo much!
Sir.. Assume i start NPS tier-1 account today and do premature exit after 5 years. Assume my corpus is 1.5lakh (less than 2.5lakh limit) after 5 years. Now, i choose full amount withdrawal. So, this 1.5lakh amount withdrawn in premature exit is taxed as per my tax slab rate or it is tax free..? Please clarify..
I’m a private firm employee & i opened NPS 3 years back. My sole reason was to get additional tax benefit of ₹50k. NPS in India is similar to 401(k) plan in the US. Although my purpose of investing in NPS still remains the same, but I would suggest private firm employees in their 20’s to get a head start & open a NPS. With better medical facilities & per capita income, our life expectancy is gonna increase in the near future. After retirement a steady monthly income will make you less dependent on your children & live life tension free.
I invest in 401(k) here in the U.S. I am planning to open NPS in India. Unlike our parents, it worries me that when we retire, there won't be any govt. pension for us.
very true...... NPS is similar to 401K........... students, employees, etc are not actually told about NPS in India..... EPF is automated....... not sure how many elders know about it
@@thestoryofindia9357who in the US gets pension? Do you know cost of pensions?
@@thestoryofindia9357401 k
Means 4 lakh dollars
ok but MP and MLA should go with NPS !!!!!
This is the only video which explains virtually each and every functional aspect of NPS (Tier 1 + Tier 2) along with the tax implications. Thanks for creating this useful content !!!
NPS and Doubts plz comment 👇
ruclips.net/video/k3pPFsNEnX0/видео.html
Hi @mandeep @rishabh. I have been binging all your playlists for the last 10 days and am almost done with more than 90 videos. I thoroughly enjoy them, which is evident as I took out the time to watch so many of these videos at 1.5x and also made notes. I just have one constructive feedback for you, so that future young people who would like to absorb good quality information quickly can be helped. The playlists efficiently groups the relevant videos, BUT, the order is not given. I had to many times go through the entire playlist, sometimes opening the wrong ordered video and then again identify the first one and open it. This is a very small request and has nothing to do with the thoroughly well-researched and amazing content. It can also be sorted easily if two people spend an hour each. Just a suggestion. Keep doing the amazing work. I love you guys for doing so. Cheers.
Hi mandeep,
After watch all your vidoe i have decided to invest in NPS but when I tried opening account I have to select different scheme, which is quite a task can u make a video for comparing all schemes and how to allocate and how to select all, how to change funds etc. Kind of a final video to actually like u did for zerodha investment.
Love ur content and dept of ur research.
This is the first time I came across u channel n found all the information so valuable I just opened both nps and term I wish I had come across u channel sometime back 👍
First of all thanks for the informative video. You have 1 subscriber more from today onwards. Can you please clear the following remaining doubts:
Question 1) In case of death of beneficiary before 60, how much of the amount can be claimed?
Question 2) After age 60, when annuity scheme starts, if a person dies prematurely what amount can be claimed?
Aap ne bohot simple tarike se sab bataya hai. Apka vdo dekhne ke baad NPS kafi asani se samaz aaya. Dhanyawad. Ek hi request hai ek example deke samzaiye ki x amount y years ke liye bharne pe Kitna pension milega...
आपसे एक निवेदन है कि आप Government employees के NPS और उनके रिटायरमेंट पर उनको क्या choose करना चाहिए इन सब की जानकारी जरूर दीजिए एक अलग से सेपरेट वीडियो आप इस पर बनाए ।
Govt employees to ghus khaa khaa kar pet kar bhar lete unhe pension plan kee kya jaroort
@@avnish.dixit_ Dear Avnish all are not the same
@@avnish.dixit_ Aisa nahi hota hai sir ji.
@@kripashankar9858 kuch ko chhod kar...Police, SDM, WAKEEL, kon nahi khata ye batao...UP me to sabse bade ghuskhor hain
@@avnish.dixit_ Aapki baat sahi hai lekin aap khud Maan rahe hain ki kuchh ko chhor kar. Isliye maine comment kiya ki aap jisko reply kar rahe hain, ghushkhor bol rahe hain vo imaandaar bhi to ho sakta hai
Nice explanation on NPS features & its benefits. Can you also cover the impact/benefits in case of death/permanent disbility/permanent loss of income? What happens to the amount contributed in such cases?
Awesome video! Subway reference was too good :D A couple of questions around Annuity Plan - 1) For how many years do we have to take the annuity plan ? Or is it upto us to decide the duration since that will decide my monthly pension ? 2) At which tax rate will the pension income be taxable ?
Pension till death.There are four to types among annuity plans.
Pension will be taxable according to the income tax slab at that time
Great content LLA. I have few questions if you can answer them I will really appreciate.
1. What happens on demise of NPS subscriber?
2. Can I switch from Active choice to Auto choice?
3. Is there any app which we can use to check NPS activities like we have for Mutual funds like ET Money?
Answer:
1. Your nominee will get the amount.
2. Yes, but once or twice per year only.
3. Umang app. Can be used to see your account details.
This is what i was searching for.
Thanks for information.
Its been 2 years since i opened my NPS account but wasn't aware of the true knowledge of it.
Good job.
Kya aap ne account khol liya????
Hello vivek
Could you please advise me something on nps please for better knowledge?
@@raushankumar-qg3jo yes am a govt. Employee. So it was mandatory.
@@deepasuwasiya349 yes ask i wll try
Can we increase or change the amount of contribution in NPS?
Your Unique way of Presenting tough things in very easy way is much INVINCIBLE and impressive, keep posting Brother
Hi Sir,
I have a question regarding NPS employer contribution. I know you already made one video on NPS but it would be great if you can address how an individual can take maximum benefit of NPS. As far as I know NPS benefit are 50000 as tax exemption in 80 CCD(1). However, there is one more thing as NPS employer contribution which can be maximum of 10% of basic pay. So will it make the deduction over and above 2 lakh limit of 80C + 80 CCD(1). If yes, then how can I leverage my existing NPS pran to add employer contribution? if I have seperate PRAN for corporate NPS and my personal contribution then having more than one PRAN id is not valid or recommended by NPS authority which can cause problem. Please share your thoughts on this. Thanks in advance !
@LabourLawAdvisor hello, i have a question related to employer contribution only. Can the employer do the investment for employee in backdate, atleast for same financial year. I tried checking varioua FAQs even in Protean website, but no help.
Please advise.
Thanks in advance.
Sir I have two questions:
1) Agar pehle 5 saal bond/debt select kiya tha or 5 saal baad equity ki option select karli ....toh kya equity select karne ke pehle wala debt bond me invested amount bhi equity me daal diya jata hai ?
2) 60 ki age ke baad bina fix kiye nahi withdrawal kar sakte jaise 62 ya 65 ki age me ?
Sir I am investing 50000/year what will be the maturity value after 23 years and what will be pension per month after 23 years?
Namskar Sir,
Kripya Medical Leave/Sick Leave topic par ek video baniye, jisme agar Medical Certificate submit nhi karte to kya action liye ja sakte hai.
OH&S ke purpose se kya view ho sakta hai?
I love your way, how you tell and make understand the terms. It is really much appreciated.
Thanks so much Sir.
The video doesn't mention anything about the additional 50K NPS amount that can be exempted under 80CCD(1B).. would like to know how will that change the decision?
Hi Mandeep,
I watch your videos on RUclips and have learned a lot so I would like to say thank you for doing this great work.
I have one query on NPS. I have recently opened NPS account after watching all 3 videos on NPS.
Currently, I am doing 12% contribution in PF but now, I am willing to contribute in NPS.
I have following queries.
1. Can I reduce PF contribution to 1800 per month instead of 12%? If yes, then how?
2. Shall I reduce PF contribution and invest that amount in NPS? I will get some benefit or not?
It would be great if you can reply to me or create a video on this topic.
Thanks,
Mayank from Jaipur 🙂
hallo sir,
sir (central government employee) nps scheme के उपर 1 सेप्रेट video बनाई ये pls. क्युंकि आपने जैसे बताया 2 type acc. (teiar 1,2) ये choicess hume अपने account ki कौनसी है नही पता तो आप 1 वीडियो goverment employees NPS sheme पे बनाई ये.
धन्यवाद् 🙏🙏🙏
Good demand...expecting same
Thanks for the detailed video on NPS. I have one question. I was a Assam state govt employee( Assoc professor in a Medical College). I joined in 2012 and resigned in 2014.. I have a NPS account which was active when i was in the job but after resigning contribution stopped and since then it has been like that..Now how do I withdraw the amount or if i want to start again how do i go about it? Will i lose my money?
Dear Mr. Gill, Thank you for the simplified and immensely helpful video. Could you clarify if a govt. employee can choose active choice, if so, how? Thanks. VS
Yes you can choose .With your pran noyou can make many other changes.Govt has no role accept their contribution.
Bhaiya, I checked & the tax deduction is
50k for voluntary contribution
10% of basic salary in voluntary deduction by employer &
1.5lkh for mandatory deduction from salary
Thanks, I was not aware that I can get tax benefit beyond 50K by employer contribution. Apart from 80c. It's Tax part need more detail, as it's still confusing for lot.
Sir NPS doubts plz comment 👇
ruclips.net/video/k3pPFsNEnX0/видео.html
If you have exhausted 1.5 lakh limit for 80C, you can get an exemption of another 50k if you put money in Nps on your own, on top of it if your employer provides nps contribute facility you can put 10 percent of your basic in nps which will be tax free
I recently started researching about investment. And I liked how honest and lucid your content is.
I have few doubts about investment in NPS Tier 2.
1. Is the equity portion is only invested in index funds by fund managers of NPS?
2. Can I use NPS tier 2 as an alternate of mutual funds for short term investment. let's say around 3 years. keeping the equity portion max out to 75%.
3. Can I use NPS tier 2 as alternate to savings account keeping the proportion to 0% equity and 100% govt. bonds.
4. Is the govt. bond folio in NPS similar to debt funds in mutual funds?
I feel most of my questions are connected. Please answer it here or make a short video on 'Can tier 2 NPS be used as alternate to MF or savings account for medium to short term investments.
Thanks
Nice explanation, have one doubt.
What if 40% amount is not utilised fully after retirement and the person dies, will the remaining money be transferred to beneficiary (if any) ?
I heard many you tuber, but nobody explained on this point
😄😄 I heard many RUclipsr, but no body properly explaining on this poin
Clear your doubt NPS va OPS👇👇
ruclips.net/video/k3pPFsNEnX0/видео.html
Thanks for this knowledge,
Just one question
If total pension we received wil be 40% only afer age of 60 then if my yearly pension is below 5 lakhs then it will be considered as my only income source and i will be exempted from tax slap itself right?
In case of PSB bank employees, NPS is compulsory. Is it the same like explain here or functions differently.
Manpreet bhai ki explain karne ki technique hi gazab hein. Clean and simple. Keep it up guys.
Great video. It would be really great if you can throw some light on which fund manager to choose for Tier 1. How to check their performance for the last 10 year (or more) across different class like Equity
While enrolling for nps I got to know their are two CRA, KFIntech and NSDL. Do tell us about it and difffence between two. Even a comparision will be better
What are the advantages/ disadvantages of opening NPS account through third party applications like ETmoney?
actually where is the best place to open NPS account ?
This is my go-to channel for such topics. You and ur team are doing a great work. Kudos brother!
Your videos are so clear to understand and very simple. Thanks for all the informative videos sir!
Wow apne kitne simple tarike se explain kia hai ki har insaan ko samjh aa jaye
In normal annuity pension scheme,the contribution we made is given to the nominee on death. Is it applies to NPS too?
few quires with respect to opening NPS online.
1. what is the difference between individual and corporate subscriber in the eNPS site.
2. My org contribute to NPS so should I open account as corporate subscriber.
3. If I open account as corporate subscriber, will I be able to contribute as individual also.
4. What happens to this NPS account, if I leave my present organization
One thing to keep in mind that NPS employer contribution is part of your ctc similar to PF. Very long term investment plan will never be helpful.
Real life example: My dad invested 300 rupees per month with 12% compound interest and after 20 years he got 3 lakhs rupees. 20 year back 300 rupees per month was a big amount. The money he got after 20 year is not valuable as compare to 20 year back. So I feel very long term investment is not a good idea because indian rupees is always falling. Instead you can invest some where else like land, gold. Choose your investment wisely.
Returns on gold is just 9.5 percent in the last 20 years
Agriculture land near industrial area is the best option. Or buy plots in industrial area and make rental properties. This is best option for regular income.
Bhai sab chutia bna rhe hai
Then according to inflation increase your contribution amount also. Then I feel we ll get more fund
इस आदमी ने मेहनत और शोध करके ये वीडियो बनाई हैं। 👍
I have withdrawn the amount of Rs.180000/- i.e. full amount on attaining 60 years of age.
Can I again start investing?
Will I get fresh PRAN or my old PRAN will continue?
Dear sir ! Can you suggest where is the best place to open NPS account ? With your experience ?
Hi LLA Team,
I need your opinion on below queries:
1. If I opt for corporate nps account then what charges will be charged on my investment?
2. Is there any annual charge on nps corporate nps account?
3. Do we have any other way to invest in corporate nps account instead of POP ?
Thanks in advance!
In current situation lot of govt employees r complaining to ban nps n start old pension scheme as after investing for more than 30 yrs in Nps they r hardly getting pension of rs1500 to 2000 because the pension amount is dependent on market condition.so what u have to say about that?is Nps still a good investment option as at the age of 60 a person doesn't want to get a pension of only rs1500
Yesssss ys ys you r right..
Aisa hi hota he last me sifr 1000 rs month aata he all amount uske pas raheta he hamri bachat k isase achha to fd me incom jayda hogi..
AAP thodi iski details jaano pehla,
1500 pension sirf usko milegi
Jisna poori life sirf approx 200000 h contribution Kia,
You must search NPS calculator
That will help you for some details
@@nakulsahore7934
Yes
Not true, 1500/2000 pension unhe mil rahi hai jinki sirf 6-8 saal ki service hai (baki wo contract pe the ,so actual employment tenure on government payroll is not more then 8 years). Of course usmai unka contribution he itna nahi hai ki koi pension ban paye. On the other hand agar koi 30 saal contribution karega to obviously usko accha return milega.
I would suggest you please search the facts and figures before coming to a conclusion. Search those Govt. employees amount of contribution, the number of years of contribution, the percentage invested in annuity etc. before making any comment. Surely, I believe that you will be in a better position. I know one uncle who worked in the private organization for the past 21 years, believe it or not, he is getting Rs 19580/- per month through NPS (he said it). He has other investments like RD, FD, SIP, Insurance as well. When I asked how he managed to do this, he simply replied, "Saving is an Art, Saab ki baas ki Baat Nahi hai. Long hail Warren Buffet". So, my friend, it is deemed to be difficult but not impossible.
Bhaii please 1 detailed video bna do NPS ke account opening and annual charges kii .. 👏👏
I have opened NPS account last year...right now I am at a loss of 52%....NPS can be risky....if you allocate too much in equity
Minimum how much i can allocate on equity?
In the long term , you will get high returns.. don't worry
Who is your pension fund manager???
minimum is 0%, I am 33, so I allocated 75%, but it's a wrong decision, my pfm was sbi...then I changed it to hdfc, still no improvement.
@@srijantata
Long tarm me improve aia ga
Some very important questions:
What are the charge structures in NPS, please make a video on this. It looks like for each remittance the charge of POP-SP (20 rs or 10rs minimum) and CRA (3.75 per txn) are very high. Also please explain D-Remit feature in that. I am still not clear whether D-Remit is entirely free or not.
Hi sir. What if someone get died Before after Applying NPS .(Before age 60 and after age 60)
If possible please give example.
National Pension Scheme is designed to offer monetary help to a subscriber after retirement, it also offers certain death benefits. In case of death of a subscriber, the nominee/legal heir is entitled to withdraw the accumulated money.
NPS mein additional 50K deduction ke liye 1.5L ka hi NPS investment chahiye kya? Aur PPF + NPS dono investment hum kar sakte hai kya under 80C upto 1.5L?
Can I increase my contribution with time or anytime I want?
Yess u can
I have two queries:
1. Is is mandatory for the employer to contribute to the NPS fund?
2. What is tier-2 account, and what are its functionalities?
Really good content. Really looking forward to more videos on NPS.
Good information sir but I didn't understood one thing:
After 60 years jo Annuity plan lena hota h so Annuity kab tak milti rahegi......
Will be able to recieve all our 40% annuity amount in terms of Pension??
Congratulations for 1M sub
good morning sir,
meina apki NPS scheme dekhi bahot attractive lagi ..aur nps account bhi open kar liya.
but mera maan ma kuch question ha jo apsa puchna chahta hu.
jaisa mera first contibution tha vo meina 2200rs ka kiya(jo video ma 500 ka dekhaya tha ) .kya yeh mera statement ma show pura show hoga.
2nd meina esign verify kiya ha kya yeh CRA ko copy send karni padegi
3rd contribution karna ka liya auto debit ka option provide hota ha ya humko khud hi deposit net banking sa karna padega..
4th ya PRAN card aur tpin kab tak provide kiya jayega...
please sir in sawalo ko short out kar da.
Sir do a video on Postal life insurance (PLI).
Sometimes make a video on postal life insurance
Bhai ek doubt hai. Agar NPS ki investment 60 saal tak karna hai toh age limit 18 to 65 kyun.? Agar koi 61 ki umar me entry karna chahe toh???
NPS is good for Unemployment/self employed/private sector but
This is hanikart for Govt employees
Becoz Old pension scheme is best...
Agr aaap ko itni he best lgti hai to ...
NPS lagu kro... Politicians aur Indian Army ko b ... Why these two's are exempted from NPS ??????????
Last i checked, ab old pension scheme la account khul nhi pata, right?
@@LabourLawAdvisor Ab bnd kr dia bahi...
pehle marne tk pension milti the govt emp ko aur us k baad me bv ko ... lakin nps me apne he paise dia hua .. wapic pension milegaa ... matlab ...jaise he wo 10 ya 12 saal me ktm buda kis ki jaan ko royegaa... almost log govt sector ko isi lye chunte hain ta k wo budape ka sahara bn sake .. lakin BJP ne wo sahara chin lia
Nice Video Mandeep Ji. But still certain points not covered... like
1. What happens to Funds if Person die b4 60 years of age ?
2. What happens if person withdraw 60% of funds at 60 years of age & die ?
3. Is Nominee facility available ? Is nominee get the balanced funds ?
Please revert.
Bro agar insaan maar jaye before 60 thn what in NPS
Same question
Same question?
Money will be received by the investor's nominee
All of the money will be received by nominee or how much percentage.
Amazingly covered content. I am so glab to be a subscriber of LLA.Just felt the need to know about NPS today and got complete information here. Hope whole process of NPS is same as it was 2 years ago (At the time of upload of this video).
Eagerly waiting for the calculation part in the next video from this series.
How NPS investment works? I mean , if we bought some units in first year, what will be their value in next upcoming years. Will it remain fixed or keeps on changing till age of 60?
You haven’t talked about the nominee’s.
Sir I have a doubt about NPS Tax exemption. If I only invest 50000 in NPS, then can I claim tax exemption Of 1.5 lakh through CPF & ELSS under section 80C and claim tax exemption of the amount I invested in NPS i.e. 50000 under under section 80CCD (1B)
Sir; ek baat batao; abhi annuity pension NPS mein 6% le Raha hai...kya Aj se 30 yr.s Baadh yehi rate of annuity rahega fixed guranteed? Bcz.agar ush time annuity pension rate 6% Nahi raha tab to loss hai bcz.pension kaam aayega ush time aur 40% paisha Bhi Nahin milega..
Please give reply..
Wanted to know is their any Return's 💰 after my Death 💀 to my Family 👪 ...!
For example my Death 💀 is at my 75 Years or before 60 Years. So my family 👪 get any Return's...?💰. In any form as Pension or Lumsum as nominated Name register in NPS.
I know after 60 year of my age I will get Pension. What about Amount Invested in Annuity Plan, do my Family 👪 get after my Death 💀...?
There are different type of plans while taking pension. Either you get pension till your death then your nominee gets pension or you get pension till death and nominee gets lumpsum after your death etc
On the death of contributor before age of 60, a lumpsum amount be received by nominee, however after 60, there various scheme of annuity for pension offered by insurance companies, need to choose one among them..
There are 4 options available.
Check Nps website. You,your wife even after death of you & your wife your children can get the only depends on which scheme you're choosing at time of taking annuity plan.
Tax deduction is a bit confusing..80c: 1.5 lakh. Is NPS amt included in this or we can take additional 1.5lakh from other section??
I have an NPS account which were opened when I am in Government sector , now I have switched to corporate sector now my contribution I think also stopped .
I want to contribute now also but where should I go?
But I wonder still I am getting an message of my NPSs statement . But I am contributing any thing
Is any one can help?? I want to run my account smooth manner .
bro why left govt sector ?
@@vaibhavdos I am on contract bro pls answer my query if u or any body have answer......
Active Choice aur Auto Choice me aapas me chahe jab switch kar sakte hain kya, aur kitni baar kar sakte hain sir aur jo Auto Choice me 3 option hain Aggressive Life Cycle Fund, Moderate Life Cycle Fund, Conservative Life Cycle Fund unme bhi aapas me switch kar sakte hain kya
Remaining 40% amount ka keya hoga after death of employees.
Given to nominee
In the pocket of govt
Me State government ka employee hu to krupaya karke govt employee ko NPS kaise fayda me hai is par video banavo. And TIER -I , TIER-II pe dedicated video banavo.
Jis din NPS govt employees se hat jayge... Tb me 500k me daan kruga...by God
Matlab
@@anuragjaguri2585 mere kaine ka matlab... NPS hat k OPS aani chaye... Agr aisa ho jaye to ... Me 500000 Daaan kr duga
Sir my question is - at the time of withdrawal, my annuity provider need to my POP's insurance policy? Example - suppose my POP is ICICI Bank and the time of annuity, I've to choose pensions scheme from ICICI insurance only or I can choose any other pension provider like SBI General Insurance?
NPS से कोई रिटर्न नहीं मिलने वाला है । बेकार प्लान है। अच्छा होगा कि अपना पैसा सोच समज कर लगाए क्योंकि यह शेयर मार्केट पर आधारित है। झूठ कहते हैं कि इससे हाई रिटर्न मिलता है आज तक किसी को हाई रिटर्न मिली हो तो बताना जरूर।
सर मेरी अभी government teacher मैं जॉब लगी है क्या मुझे NPS में annuity कौनसी और equity मैं कितना परसेंटेज डाल सकता हूं
How NPS differ from the old pension scheme [General Provident Fund (GPF)]?, a comparative video of GPF vs NPS will be helpful
Sir, see the different 👇👇👇
ruclips.net/video/k3pPFsNEnX0/видео.html
NPS and superannuation sceam me kya difference he ....sir ???
Very good educating video on the topic. Liked it. Very much appreciated. One question though: what is NPS TIER2 TAX SAVER ACC and can we operate TIER2 W/O TAX SAVER and TIER2 TAX SAVER simultaneously?
Few doubts :-
1. What if something happens to person before or after 60 years .
2.Pension received after 60years will be taxed on what bases ? He won’t be earning so he doesn’t fall under any tax slab . .
Aap bhut aache se samjate ho .
Thank u so much .
Nominee wii get 100% fund...tax free
राजस्थान सरकार ने ओल्ड पेंशन स्कीम GPF शुरू कर दी हैं।
और SI STATE INSURANCE भी हैं।
तो NPS, GPF, PPF, SI के बारे में एक compartive वीडियो जरूर दीजियेगा।
हेल्थ के लिए RGHS Rajasthan Government Health Scheme है तो क्या Health Insurance लेना चाहिए या नहीं?
Which is a better way to open NPS account? Paytm like platform or directly from eNPS. Wanted to know from additional expenses perspective
Sir NPS me ager 50000 ka invest kare annually aur baki 1.5 L ppf pf elss me kare tab bhi 50000 ka 80ccD(1b) k under Tex banefit le sakte hai ya 2L NPS me dalenge tabhi milega ?
Thank you Mandeep, Please explain add the death benefits of NPS, like if subscribers are not able to contribute because of death or if 40% amount is not utilized fully after retirement and the person dies.
I opned NPS online through eNPS as NRI few years back. Now I want to change it to resident NPS account. I searched online everywhere but never got info on how to update it. Pls shed some light on this. TIA!!
very nice information dear sir i have one question agar nps account kholne ke kuch years baad account holder ki deth ho jati he to is kes me kya hoga?
i was employed with private firm and have to leave job due to corona, can I can I continue my EPF account for NPS. Kindly advise. You are doing great job by coaching people like us.
TIA
Gill bhai, which will be better in a general sceneio:
1) retirement plans throughout the service life + annuity plan at the time of retirement
Or
2) pension plans
Hello mandip..i always see your vedio..aap mujhe ai btaiye nps me kon se month me invest karu or kon se date ke bich me jo ki sahi rahega...
Hello... Kya NPS bank through lena sahi hai ya company through ??? Please make a video on this
I have a question whose answer Was not available anywhere is:
Should we add the emloyers contribution of NPS in total gross salary of an employee while filing income tax returns ?
Generally, employers contribution is not included in total salary but if we can clam employers contribution deduction then shouldnt we show it as our income first ??
If yes, can you provide a supported article?
Very informative video, plZ give me one more answer, what if employee dies before 60 yr age, accidently , then can her family withdraw or use the invested money by her mother ( employee)
Sir premature exit Karne per 80 percent annuity ki life time pensions banegi usme Kabhi return Kuch milega ya Nahi ?
Nps vs lic jivan umang bataye
Mere liye ye most important hai
Abhi me 27 years ka aur as a gov. Employee me NPS me contribution karwana chalu karu...Aur next 10 se 15 sal ke bad job ke sivay kuch aur ka plan ho par me tabh mere NPS account chalu rahega ya fir bandh hojayega ?
Sir, How to know who is the best fund manager, out of these 7 institutions? Can you please make a video on it?
Abhi mera age 24 hai or mai NPS pae 45 sal tak contribute karu matlab 21 sal contribute karu. Or uske bad mai exit retairment lelu to iska calculator par kese dekhu... Or ha agar 60 age tak invest karu to jiyada se jiyada kitne sal tak mujhe pension milega
If I don't want pensions, is elss better than nps considering I'm already investing in ppf.
Can elss can be trusted for such a long term investment?
Sir ye to batao..mujhe kya choose karna chahiye...auto ya active?
I'm 22 and am sbi clerk.2021
बहुत अच्छी तरह समझाया आपने