🚨 ONLY FEW SEATS LEFT! Crack UPSC with Special Pratigya+ Batch - studyiq.u9ilnk.me/d/c3EOEpiCCk Use code ‘GSLIVE’ to get highest discounts! UPSC IAS Live GS Foundation 2025 P2I Pratigya+ Batch : studyiq.u9ilnk.me/d/c3EOEpiCCk Batch Starting on 31st August 2024 | Daily Live Classes at 6:00 PM Hurry Enroll Now : studyiq.u9ilnk.me/d/c3EOEpiCCk Super 100 GS Foundation 2025 P2I Offline Batch 6 - ORN Offline Classes Starting on 10th August 2024, 8:00 AM Hurry Enroll Now : studyiq.u9ilnk.me/d/SHEYxjT6Nh UPSC IAS Live GS Foundation 2025 P2I Pratigya+ Hindi Batch बैच 31 अगस्त 2024 से शुरू हो रहा है | बैच का समय शाम 6:00 बजे Hurry Enroll Now : studyiq.u9ilnk.me/d/em8MODUdnZ UPSC IAS Live GS Foundation 2025 P2I Pratigya 2.0 English Batch Batch Starting on 28th August 2024 | Daily Live Classes at 6:00 PM Hurry Enroll Now : studyiq.u9ilnk.me/d/zWqYhPqDge UPSC IAS Long Term P2I Foundation LIVE 2026 Pratigya 2.0 Batch Admissions Closing on 31st August 2024 | Daily Live Classes at 6:00 PM Hurry Enroll Now : studyiq.u9ilnk.me/d/4ekxQyFxsI UPSC IAS (Mains) LIVE Optional Batches : studyiq.u9ilnk.me/d/9ahtTDzlmA
Pension ki history btane ki jagah agar ups pe thodi taiyari karke aate to jyada achha rahta hai. Baki ups ke bare me jitna aapne btaya hai utna har jagah tair rha hai
All the leaders who call themselves social workers take pension along with salary, but government employees are appointed as government employees, then why should they not get OPS?
Note by Faculty: Lump Sum Payment: In addition to gratuity, employees will receive a lump sum payment at retirement equivalent to 1/10th of their monthly emoluments (pay + DA) as of the retirement date for every completed six months of service. This payment will not affect the amount of the assured pension.
@@shrikantkumar2635 har 6 mahine ki service pe one month ki salary(basic+Da) ka 1/10th amount milega..for an example,,agr aapki 1 month ki basic +da 1 lakh hai toh..apko 33 years ki service mein 66, 6 months complete kiye honge us hisab se aapko lumpsum 1,00,000*1/10*66=6,60,000 milega...jitna abhi tak smjh aa raha hai wo yahi hai
Firstly GPF means General Provident Fund Second, there is a maximum limit of GPF deduction in a year is 5lac EL is calculated on emoluments i.e., Basic Pay + DA and maximum limit of EL is 300days. 4th Pension is 50% of the Basic Pay only not on emoluments. Under UPS scheme, Assured Pension and Family Pension will be calculated on the average og last basic pay drawn not on salary. And under UPS, the minimum assured pension would be given to those who have completed minimum 10years of his service not for completing less than 10years service.
With OPS we will be burdening younger generation with higher taxes. NPS has an option of selecting the mix of equity and bonds which can be changed every year. Pension funds generally generate 11-12percent returns which is higher than PF. We also get tax benefit on 50k. Low yields in our NPS ac are entirely because of our mistakes. NPS is basically a low cost mutual fund.
@@santoshkumarsethi5343 why not give government jobs only for 5 years and see the performance reports and then again hire and conduct exams for everyone, lets remove that age bar of government jobs . Why not that ?
What about the corpus fund withdrawal?? Can we withdraw or not ? Everyone is discussing the benefits of UPS. Noone is telling about our corpus fund which we have accumulated throughout our life and that get vanished to get this pension.
लगता है आप पूरी तैयारी करके नहीं आए हैं शिक्षक महोदय। एक तो आप योजनाओं के उल्टे पुलटे नाम बता रहे हैं और दूसरा आप बता रहे हैं की UPS में लास्ट drawn salary का 50% मिलेगा जबकि पूरे साल की बेसिक सैलरी का एवरेज निकालकर उसका 50% मिलेगा। और एक निवेदन है की जब भी ऐसे वीडियो बनाएं ये भी जरूर बताएं की इन नेता लोगों की पेंशन और ज्यूडिशियरी की पेंशन देश पर बोझ है की नहीं
नमस्कार मित्रांनो दिशाभूल करणारे सरकार पासून सावधाण...फक्त पेंनसन O..P..S..जुनी पेंनसन कामगारांना पाहीजे....सरकार फसवत आहे. ..M..P..M.L.A.. आणि त्यांचे चेले चपाटे यांना. O.P.S.देत आहे..कामगारांन चे पैसे कापुन सु ध्दा पेंनसन किती तर 1000 / 1200 / रूपये प्रत्येकी... महिन्याला...M.P..MLA...चे पैसे कापत नाही...पेंनसन पगार च्या निमी ..50,000रूपये महीना .... मोदी ना एक देश एक चुनाव पाहिजे ..तर एक देश एक पेंनसन का नको...मग मोदी साहेब स्वता 4 / 5 जुनी पेंनसन घेत आहेत...पचिम बंगालमध्ये जुनी पेंनसन पुर्वी पासुन चालु आहे..... तरी हे राजे प्रगती पतावर आहे...हे राजे सुध्दा भारत देशेचा चा भाग आहे...या राजे पासुन भारत देशेला काही त्रास होत नाही...तर ईतर राजें चा त्रास कसा काय होणार आहे...हे अर्थ शास्त्री समजाऊन सांगतील का ?..मला वाटते महाराष्ट्रातील अर्थ शास्त्री ना.... पचिम बंगाल ला जुनी पेंनसन चा अभ्यास करावयास पचिम बंगाल ला.... ममता बॅनर्जी दिदी जवल शिक्षण घेऊन येनेस पाठविने...म्हणजे कामगारांना ओ.पी. एस.पेंनसन कशी मिलुन द्याव याची हे बरोबर समजेल....जयहिंद...
Still I have two doubts in my mind. 1. Suppose someone's service period is more than 30 years and his/her pension amount will be more than 50% of last basis salary, at that case what will be his/her pension amount? 2. My second query is what about the lumsum amount of 60% an employee used to draw while retirement.
If a person takes voluntarily retirement at the age of 40 after having a service tenure of 15 years then when will his ups get to effect? Immediately after his retirement or after crossing 60 years of age
Sir UPS mai kitna lumsum milra hai please clear this thing...like 60%in NPS and also the 60% is from the contribution or same as NSP depending on market trends.. Please clear this thing
Common tax payer money is diverted for the luxury of government employees Still go to any government office and see the level of Corruption, bribery, non-performance, insensitivity to customer
@@dharmendarrohilla1045 Hmm Sir, hum dekhe he keise Doctor log back door me har surgery keliye deal karte he, Govt hospital me bhi. Medicine representative ke sath milke high priced Medicine likhte he.Postmortem report keliye paisa magte he. Sabhi government institution or office me wohi haal.. bichara aam admi .......
@dharmendarrohilla1045 Hmm, hospital me postmortem me paisa, medicine representative ke sath milte hue high priced Medicine prescription. Operation keliye paisa demand
Government can give dearness allowance non-contributing bad assets but can't put inflation adjusted tax slab. Why private sector employees are exploited?
Ops will give only near 10% amount which was deducted monthly from employee + gov contribution. And then pension given using this 90% deducted amount Nps will give 60% at least And 40% alloted for anuty
* *केवल ओपीएस... कोई नई योजना नहीं...* > > सरकार ओपीएस के भीतर बदलाव कर सकती है। उदाहरण के लिए, पेंशन को 50% से घटाकर 40% किया जा सकता है, और परिवार पेंशन को 60% से घटाकर 50% किया जा सकता है। बोझ कम करने के लिए अन्य सभी लाभ समान रहेंगे। हम एकीकृत पेंशन योजना (यूपीएस) नहीं चाहते हैं। इसके अलावा, सरकार को एनपीएस फंड को जीपीएफ में बदलना चाहिए।
People do a lot of struggle to get givt. jobs...........They need security for their old ages.................You are just jealous....................you haven't said it if someone in your family is also a govt. employee.
Many of the govt employees are not going to get even 50% pension of Basic pay as eligibility of 25 years will be very tough to meet , may retire as tenure itself is less than 25 yrs. Moreover contribution of 10% is never going to be returned back as in OPS nothing was contributed from employee pocket but same is not the case in UPS
Sir ji,ops main agar burden badh Raha hai to 15 lakh crores rupees kisi company ka maaf kar Diya gayaa, abhi MLA and MP r getting ops etc inse financial burden badh nahi Raha hai sirf employees ko ops Dene se burden badh jayega.. kya baat hai ji..
Some one please answer what will happen to the money already in NPS account when we switch to the UPS scheme in April 2025? Will that money be allowed to be withdrawn?😊
This is how understood it Dekho pension ke sath sath lump sum bhi milega. Agar last drawn salary samjho (Basic+DA) tumhari 1,00,000 hai to uska 10% matlab 10,000 hoga. Ab is 10000 ko (every completed six months of service) se multiply karo. agar total service 30 saal ki hai to uska double karke multiply karo i.e. 30*2=60. To end me lump sum milega 10,000*60=6,00,000 rs
I have joined in 2400 grade pay ,now promoted to 4600 g pay. Accumulated 12 lakhs in NPS . Now my friend joined in the same 4600 post. As per UPS rule, we both will get the same pension. But what about my accumulated 12 lakhs ?
Bro I think it'll be still in your nps account. You'll be taking benifit of both nps and ups. After retirement you'll get 60% of your 12lakh and the remaining 40% as extra pension
NPS will definitely make more money And NPS will help you,your spouse and your whole family In OPS only you and your partner only get benifits If you invest your nps money correctly Then not only you and your whole family will get benifits
UPS(on govt basis) and NPS(open NPS account independently with NPS Trust just like how private sector employees do) dono opt karlo. UPS mai employee will contribute zero, govt will contribute 18.5 percent - NPS mai employee will contribute 10 percent, govt will not contribute anything since employee has already opted for UPS. Thus, in this way, govt employee can get both lumpsum via NPS and 50 percent of last drawn basic salary as pension via UPS.
@@musabahmed9094ups men lumshum nahin milega Bhai letter men kewal last six month ka salary ya 1/10th part of will you contribute since retirement ......aur nps men 60percent mil jata hai
@@foodimoodie98 This is how I understood it Dekho pension ke sath sath lump sum bhi milega. Agar last drawn salary samjho (Basic+DA) tumhari 1,00,000 hai to uska 10% matlab 10,000 hoga. Ab is 10000 ko (every completed six months of service) se multiply karo. agar total service 30 saal ki hai to uska double karke multiply karo i.e. 30*2=60. To end me lump sum milega 10,000*60=6,00,000 rs
@@musabahmed9094सही सही, यही मुझे भी लग रहा है भाई। ये assured lumpsum amount banega isiliye Ashwani vaishnav itna chilla raha tha, ye चिल्लड़ देंगे ये
All these Netas get lifetime pension and extra allowances even if they become an MP or MLA for just 1 day.....they were not under NPS. But for govt employees they have all this useless scheme. This scheme was the blunder of Atal Bihari Vajpayee. OPS should be reintroduced. Jai hind
No one is able to explain the concept of basic pay here..does UPS include basic pay plus DA or only basic pay...in ops basic pay used to include both....
2 fund create hoga ..Ek fund mai employee ka 10% and Government ka 10% hoga ..Usme se employee retirement ke time 60% withdraw karsakte ...aur dusre fund mai 8.5% govt rakhega
Atleast lump sum amount clarity must be given. What is process for pre mature withdraw of funds. Our contribution is totally wasted if lumpsum is so less . Pension of average 12 month of basic salary is low compared to even NPS IN UPS. GRATITUITY AMOUNT WILL BE GIVEN OR NOT BIG QUESTION IT IS NOTHING COMPARED TO EVEN NPS. IN NPS YU HAVE MULTIPLE OPTION IF THE TENURE OF SERVICE IS 30 PLUS IT IS SOMEWHERE GOOD COMPARED TO OPS BUT UPS TILL NOW IS COMPLETE DISASTER
महोदय, इस बात का संज्ञान नहीं लिया गया कि यह ops 2004/05 के पहले भर्ती हुए सभी employee पर लागु है। NPS actual effect 2029 से दिखना शुरू होगा। अभी तो लग भ्रम और अज्ञानता में बात/शोर कर रहे हैं।
That is the total amount from which you will get a pension. If this is less then the prescribed amount govt will give extra money to fulfill its assured pension value.
ab GOVT jaan bujh kr employment, vacancy creat hi nahi kar rhi h to usme baaki employee ka kya dosh, jo authentic vacancy ko usko bhi fill nhi kar rhi , rojgar dene k bajay berojgar bana rhi h sabko to isme retired employee ka kya dosh h
Mejor components is HRA and Transport allowance not mobile allowance... Nps deduction 10% of Pay and DA not only basic pay ... Mai to video chod rha hu 11 min ki dekh kar kyunki usko Basic knowledge nahi hai
Sir employees' salary or pension should grow irrespective of all matters. These are lame excuses. Economic development is impossible without this. In a country if there's no economic security in terms of govt employability then there's a huge problem.
🚨 ONLY FEW SEATS LEFT! Crack UPSC with Special Pratigya+ Batch - studyiq.u9ilnk.me/d/c3EOEpiCCk
Use code ‘GSLIVE’ to get highest discounts!
UPSC IAS Live GS Foundation 2025 P2I Pratigya+ Batch : studyiq.u9ilnk.me/d/c3EOEpiCCk
Batch Starting on 31st August 2024 | Daily Live Classes at 6:00 PM
Hurry Enroll Now : studyiq.u9ilnk.me/d/c3EOEpiCCk
Super 100 GS Foundation 2025 P2I Offline Batch 6 - ORN
Offline Classes Starting on 10th August 2024, 8:00 AM
Hurry Enroll Now : studyiq.u9ilnk.me/d/SHEYxjT6Nh
UPSC IAS Live GS Foundation 2025 P2I Pratigya+ Hindi Batch
बैच 31 अगस्त 2024 से शुरू हो रहा है | बैच का समय शाम 6:00 बजे
Hurry Enroll Now : studyiq.u9ilnk.me/d/em8MODUdnZ
UPSC IAS Live GS Foundation 2025 P2I Pratigya 2.0 English Batch
Batch Starting on 28th August 2024 | Daily Live Classes at 6:00 PM
Hurry Enroll Now : studyiq.u9ilnk.me/d/zWqYhPqDge
UPSC IAS Long Term P2I Foundation LIVE 2026 Pratigya 2.0 Batch
Admissions Closing on 31st August 2024 | Daily Live Classes at 6:00 PM
Hurry Enroll Now : studyiq.u9ilnk.me/d/4ekxQyFxsI
UPSC IAS (Mains) LIVE Optional Batches : studyiq.u9ilnk.me/d/9ahtTDzlmA
Correction DR
ऐसा लग रहा है कि आप अटल और Nps को support करते है
Pension ki history btane ki jagah agar ups pe thodi taiyari karke aate to jyada achha rahta hai.
Baki ups ke bare me jitna aapne btaya hai utna har jagah tair rha hai
Ups ke barey mein theek se padh kar hi le ate . Kuch dhang se nahi bata rha hai . Salary calculation ke saath pension calculation hi dikha lete
All the leaders who call themselves social workers take pension along with salary, but government employees are appointed as government employees, then why should they not get OPS?
with OPS we are putting burden or large TAX on new generation .... or mera paisa public ke naukaro m baatne ke liye nahi ha
Sir, NPS doesn't stand for New Pension Scheme. It's National Pension System, as renamed long time ago.
Bs kr
Lol!
@@prikshitawasthi4568 abe pagal sahi bol raha hai woh
Note by Faculty:
Lump Sum Payment: In addition to gratuity, employees will receive a lump sum payment at retirement equivalent to 1/10th of their monthly emoluments (pay + DA) as of the retirement date for every completed six months of service. This payment will not affect the amount of the assured pension.
Thoda sidha samjhao bhai
NPS.. stands for National pension scheme not new pension scheme
@@shrikantkumar2635Inko khud nii pta is point ka mtlb isliye sidha sidha copy paste kar diya
Yahi to asli khela hai, 10percent hi milega. 90 percent govt. K pass.
Atleast nps me 60percent mil to jata tha.
@@shrikantkumar2635 har 6 mahine ki service pe one month ki salary(basic+Da) ka 1/10th amount milega..for an example,,agr aapki 1 month ki basic +da 1 lakh hai toh..apko 33 years ki service mein 66, 6 months complete kiye honge us hisab se aapko lumpsum 1,00,000*1/10*66=6,60,000 milega...jitna abhi tak smjh aa raha hai wo yahi hai
GPF means general provident fund not gross provident fund.
Bhai Inko ko To Avi pata nehi ki last months ka Basic pay Pensions Calculate hota ha naki Salary pay😂😂😂
Firstly GPF means General Provident Fund
Second, there is a maximum limit of GPF deduction in a year is 5lac
EL is calculated on emoluments i.e., Basic Pay + DA and maximum limit of EL is 300days.
4th Pension is 50% of the Basic Pay only not on emoluments.
Under UPS scheme, Assured Pension and Family Pension will be calculated on the average og last basic pay drawn not on salary.
And under UPS, the minimum assured pension would be given to those who have completed minimum 10years of his service not for completing less than 10years service.
You can't satisfy everyone. It is eternal truth. To me NPS is far better as it is connected to stock investment.
Then choose nps..
NPS is better than UPS
OPS is dangerous for Indian economy.
bs rr bhai
Tu mat le beta...
Ye itna hi bekar hai to sabhi neta logo ko bhi bandh karva do na fir aaye bade salah Dene
Support you bro
Foot le
Pahle apni aukaat banaa lene ki😅😅
In explanation of ops you should to mention pension is 50% of basic pay
With OPS we will be burdening younger generation with higher taxes.
NPS has an option of selecting the mix of equity and bonds which can be changed every year.
Pension funds generally generate 11-12percent returns which is higher than PF.
We also get tax benefit on 50k.
Low yields in our NPS ac are entirely because of our mistakes.
NPS is basically a low cost mutual fund.
Then opt for nps when govt. Will ask
Haan abhi to tax bhot kam hai😂😂😂
@lokeshnaiduboya1816 chose LC50 as your plan, I'm getting over 20% XIRR returns in NPS since I joined in last year March
Nps is better
@@MANOJGUPTA-qu4zn to tum le lo...
Very much diff..
No ups
Only ops...
UPS best hai
Ups = ops
Why we deposit 10 percentage this is jumala biggest jumla@@X___biggestfanofcricket
why not Implement for MLA MP? @@shravan97
@@santoshkumarsethi5343 why not give government jobs only for 5 years and see the performance reports and then again hire and conduct exams for everyone, lets remove that age bar of government jobs . Why not that ?
Good and easy explanation ❤
❤great explain sir
What about the corpus fund withdrawal??
Can we withdraw or not ? Everyone is discussing the benefits of UPS. Noone is telling about our corpus fund which we have accumulated throughout our life and that get vanished to get this pension.
Jb tak ups ka main topic start hua video khatm😅
💯
Very nice explation sir 😊
Can Central Govt employees not contributing to NPS currently, can now freshly start contributing to OPS? Pls clarify.
लगता है आप पूरी तैयारी करके नहीं आए हैं शिक्षक महोदय। एक तो आप योजनाओं के उल्टे पुलटे नाम बता रहे हैं और दूसरा आप बता रहे हैं की UPS में लास्ट drawn salary का 50% मिलेगा जबकि पूरे साल की बेसिक सैलरी का एवरेज निकालकर उसका 50% मिलेगा। और एक निवेदन है की जब भी ऐसे वीडियो बनाएं ये भी जरूर बताएं की इन नेता लोगों की पेंशन और ज्यूडिशियरी की पेंशन देश पर बोझ है की नहीं
नमस्कार मित्रांनो दिशाभूल करणारे सरकार पासून सावधाण...फक्त पेंनसन O..P..S..जुनी पेंनसन कामगारांना पाहीजे....सरकार फसवत आहे. ..M..P..M.L.A.. आणि त्यांचे चेले चपाटे यांना. O.P.S.देत आहे..कामगारांन चे पैसे कापुन सु ध्दा पेंनसन किती तर 1000 / 1200 / रूपये प्रत्येकी... महिन्याला...M.P..MLA...चे पैसे कापत नाही...पेंनसन पगार च्या निमी ..50,000रूपये महीना .... मोदी ना एक देश एक चुनाव पाहिजे ..तर एक देश एक पेंनसन का नको...मग मोदी साहेब स्वता 4 / 5 जुनी पेंनसन घेत आहेत...पचिम बंगालमध्ये जुनी पेंनसन पुर्वी पासुन चालु आहे..... तरी हे राजे प्रगती पतावर आहे...हे राजे सुध्दा भारत देशेचा चा भाग आहे...या राजे पासुन भारत देशेला काही त्रास होत नाही...तर ईतर राजें चा त्रास कसा काय होणार आहे...हे अर्थ शास्त्री समजाऊन सांगतील का ?..मला वाटते महाराष्ट्रातील अर्थ शास्त्री ना.... पचिम बंगाल ला जुनी पेंनसन चा अभ्यास करावयास पचिम बंगाल ला.... ममता बॅनर्जी दिदी जवल शिक्षण घेऊन येनेस पाठविने...म्हणजे कामगारांना ओ.पी. एस.पेंनसन कशी मिलुन द्याव याची हे बरोबर समजेल....जयहिंद...
Please clarify that in OPS pension is calculated on last withdrawn basic pay or last salary..
Thank you for the detailed explanation sir. Was confused before about all the schemes.
Still I have two doubts in my mind.
1. Suppose someone's service period is more than 30 years and his/her pension amount will be more than 50% of last basis salary, at that case what will be his/her pension amount?
2. My second query is what about the lumsum amount of 60% an employee used to draw while retirement.
If a person takes voluntarily retirement at the age of 40 after having a service tenure of 15 years then when will his ups get to effect? Immediately after his retirement or after crossing 60 years of age
Sir UPS mai kitna lumsum milra hai please clear this thing...like 60%in NPS and also the 60% is from the contribution or same as NSP depending on market trends..
Please clear this thing
Very Nicely Explained...
Amazing explanation
First They took away a sweet shop from us and handed over a laddu
Now they are taking away the laddu and giving us the laddu ka dabba
Doubt-What will happen to the money that the employee and the government have already invested in the NPS scheme?
NO NPS NO UPS ONLY OPS
What about the amount already contributed to NPS account by an employee?
Common tax payer money is diverted for the luxury of government employees
Still go to any government office and see the level of Corruption, bribery, non-performance, insensitivity to customer
inko haram ki khaani ha ,, Desh ki sewa karne ke naam p jaate hain or paise ke bhooke pension maag rahe hain
😅@@DevSharma-zj2qi
sb same ni hote, hospitals main aake dekho jara please
@@dharmendarrohilla1045 Hmm Sir, hum dekhe he keise Doctor log back door me har surgery keliye deal karte he,
Govt hospital me bhi. Medicine representative ke sath milke high priced Medicine likhte he.Postmortem report keliye paisa magte he. Sabhi government institution or office me wohi haal.. bichara aam admi .......
@dharmendarrohilla1045 Hmm, hospital me postmortem me paisa, medicine representative ke sath milte hue high priced Medicine prescription. Operation keliye paisa demand
Whish are batter nps Or ups
Government can give dearness allowance non-contributing bad assets but can't put inflation adjusted tax slab.
Why private sector employees are exploited?
Is it applicable to defence personnel..Army Navy Airforce etc...??
What about contributions in unified pension scheme ? Do we have to contribute here also like nps or not???
yes u will be contributing 10% of basic + DA in UPS
Ops will give only near 10% amount which was deducted monthly from employee + gov contribution.
And then pension given using this 90% deducted amount
Nps will give 60% at least
And 40% alloted for anuty
There is nothing called 'Disbenefit', the word is 'Drawback' or 'Disadvantage'
Govt making unnecessary Building, Monument, and investment lots of money on them,and they have problem with OPS.😬
We can understand ur frustration. 😅
yes unnecessary monuments like masjids and madarsas must not be made.
@@DCBat_Mobile go and search how masjid and Madrasa made,🤦🤦🤦😂🤦
@@prikshitawasthi4568 I too after seen yours name.,🙈👀
* *केवल ओपीएस... कोई नई योजना नहीं...*
>
> सरकार ओपीएस के भीतर बदलाव कर सकती है। उदाहरण के लिए, पेंशन को 50% से घटाकर 40% किया जा सकता है, और परिवार पेंशन को 60% से घटाकर 50% किया जा सकता है। बोझ कम करने के लिए अन्य सभी लाभ समान रहेंगे। हम एकीकृत पेंशन योजना (यूपीएस) नहीं चाहते हैं। इसके अलावा, सरकार को एनपीएस फंड को जीपीएफ में बदलना चाहिए।
Will the ups applicable for already retired employees?
Not less than 10 year service but Minimum 10 year service is must in order to avail assured pension
NPS is actually best. Thats how all the private pension plans also work.
People do a lot of struggle to get givt. jobs...........They need security for their old ages.................You are just jealous....................you haven't said it if someone in your family is also a govt. employee.
Many of the govt employees are not going to get even 50% pension of Basic pay as eligibility of 25 years will be very tough to meet , may retire as tenure itself is less than 25 yrs. Moreover contribution of 10% is never going to be returned back as in OPS nothing was contributed from employee pocket but same is not the case in UPS
Partially withdraw ??????
Sir ji,ops main agar burden badh Raha hai to 15 lakh crores rupees kisi company ka maaf kar Diya gayaa, abhi MLA and MP r getting ops etc inse financial burden badh nahi Raha hai sirf employees ko ops Dene se burden badh jayega.. kya baat hai ji..
100% agree
Some one please answer what will happen to the money already in NPS account when we switch to the UPS scheme in April 2025? Will that money be allowed to be withdrawn?😊
On of Best lecture on this topic.
GPF=General Provident Fund
not Gross
Ryt
Arear se kya matlab hai
If a employee served for 17--18years how much pension he will get if his last basic sallary is45000
I cannot understand the fifth point retirement benefit lump sum amount pl explain in detail
This is how understood it
Dekho pension ke sath sath lump sum bhi milega. Agar last drawn salary samjho (Basic+DA) tumhari 1,00,000 hai to uska 10% matlab 10,000 hoga. Ab is 10000 ko (every completed six months of service) se multiply karo. agar total service 30 saal ki hai to uska double karke multiply karo i.e. 30*2=60.
To end me lump sum milega 10,000*60=6,00,000 rs
Very well explained Sir,
ये जैसी schemes नेताओ केलिए भी लानी चाहिए...
I have joined in 2400 grade pay ,now promoted to 4600 g pay. Accumulated 12 lakhs in NPS . Now my friend joined in the same 4600 post. As per UPS rule, we both will get the same pension. But what about my accumulated 12 lakhs ?
Bro I think it'll be still in your nps account. You'll be taking benifit of both nps and ups. After retirement you'll get 60% of your 12lakh and the remaining 40% as extra pension
Arrears ka concept tabhi to samjhaya ...
milega tujhe bhi tension mat le
How much lump sum in UPS ?
OPS is best
NPS will definitely make more money
And NPS will help you,your spouse and your whole family
In OPS only you and your partner only get benifits
If you invest your nps money correctly
Then not only you and your whole family will get benifits
UPS(on govt basis) and NPS(open NPS account independently with NPS Trust just like how private sector employees do) dono opt karlo. UPS mai employee will contribute zero, govt will contribute 18.5 percent - NPS mai employee will contribute 10 percent, govt will not contribute anything since employee has already opted for UPS. Thus, in this way, govt employee can get both lumpsum via NPS and 50 percent of last drawn basic salary as pension via UPS.
@@rajat3180 UPS me bhi lump sum milega bhai
@@musabahmed9094ups men lumshum nahin milega Bhai letter men kewal last six month ka salary ya 1/10th part of will you contribute since retirement ......aur nps men 60percent mil jata hai
Han to bhai NPS me paise aap invest kroge mere??
@@murlimanoharkumar8012bhai sahi se padh le....since the retirement jaisa koi word nahin hai. Aur every six month likha hai last six month nahin.
Sir contact base job agar govt kuch time baad nikal deti hain to kya employee high court case kr skta hain
This scheme apply for Defence personal (Army, n
Nevy, AF), any one confirm pl..?
Sir tax ke bare me batiye how to save tax
Ups main employee monthly contribution kitna hoga
Bro... You have misunderstood. In UPS, one will get 50% of basic pay of the salary not the total salary 😂
After 60 years age
It is as good as OPS . One must not find any short comings due to present and future economic conditions. Assured and socially reasonable.
Need to focus more about Contributary and non- contributary details then video will be better more
पुरानी पेंसन मे जब पेंसन बनता है तो उसमे सेवा निवृत के समय जो बेसिक+DA होता है उसका 50% होता है लेकिन इस UPS मे सिर्फ बेसिक का 50% है
DR yha bhi hain
Ops lagoo honi chahiye paramilitary k liye
Lumpsum amount ke bare m koi kyu nahi bolta hai.. Jo monthly contribution hoga karodo ka wo ghotale ka kya hoga
Koi bhi wo clear nahi kar raha
Lumpsum amount will be 1 month salary for 5yrs of service,
@@foodimoodie98 This is how I understood it
Dekho pension ke sath sath lump sum bhi milega. Agar last drawn salary samjho (Basic+DA) tumhari 1,00,000 hai to uska 10% matlab 10,000 hoga. Ab is 10000 ko (every completed six months of service) se multiply karo. agar total service 30 saal ki hai to uska double karke multiply karo i.e. 30*2=60.
To end me lump sum milega 10,000*60=6,00,000 rs
@@musabahmed9094Bhai isase achha to nps hai karodo rupya banega uska uska 60percent to Kam se kam mil jayega n retirement ke samay
@@musabahmed9094सही सही, यही मुझे भी लग रहा है भाई।
ये assured lumpsum amount banega isiliye Ashwani vaishnav itna chilla raha tha, ye चिल्लड़ देंगे ये
sir humare nps me 10 lakh total contribution h wo ups me kaise transfer honge aur honge to kitne honge
Main question still remain, which components includes in lumpsump amount at the time of retirement.
Great explanation 😮
What about our 10% invested in pension scheme?
Sir isme Jo 10 % Jo employee ka hai usme dikkat hai
Kya ops employees ko bhi Ups system m shift kiya jayega plz ispr bhi vedio banaiye
GPF = General Providend Fund ✅
NPS me agar 8% interest bhi mile tab bhi ops se jyada lumpsum or pension milegi, lekin 25-30 saal regular job honi chahiye
Politicians ko bhi UPS me Lana chahiye and Indian army ko bhi isme shamil karna chahiye agr ye sahi hai to
All these Netas get lifetime pension and extra allowances even if they become an MP or MLA for just 1 day.....they were not under NPS. But for govt employees they have all this useless scheme. This scheme was the blunder of Atal Bihari Vajpayee.
OPS should be reintroduced. Jai hind
CAN WE EMPLOYEES WITHDRAW MONEY FROM UPS LIKE NPS OR OPS??
sir full pension better for after 20 years completed , (UPS Service after 25 years ), not Good for UPS
Sir HRA- House rent Allowance chor Diya measure component m
सीधी सी बात है जो आदमी रिटायरमेंट के समय जो सैलरी ले रहा है उसका 35% उसे पेंशन दे दीजिए बात खत्म इतने में वह अपना बच्चा कुछ जीवन सम्मान पूर्वक जी लगा
Sir ups me 20 saal service or basic 35 thousand par pension kitna milega
If OPS is dangerous for Indian economy then why MLAs and Mps are withdrawing their pension in OPS system
Ups main GPF bi lagu karna chahiye lekin fixed amount cutting hona chahiye.ops main GPF amount cutting ka koi fixed nahi tha
No one is able to explain the concept of basic pay here..does UPS include basic pay plus DA or only basic pay...in ops basic pay used to include both....
Only 50% of last basic pay
will still there be a deduction of 10% ? and what about 18.5% govt. contribution ?
Employee contribution of 10% and Govt contribution of 18.5%, issse jo corpus create hoga use hi pension milega.
2 fund create hoga ..Ek fund mai employee ka 10% and Government ka 10% hoga ..Usme se employee retirement ke time 60% withdraw karsakte ...aur dusre fund mai 8.5% govt rakhega
Long sum amount kya hee ye bataao
Atleast lump sum amount clarity must be given.
What is process for pre mature withdraw of funds.
Our contribution is totally wasted if lumpsum is so less .
Pension of average 12 month of basic salary is low compared to even NPS IN UPS.
GRATITUITY AMOUNT WILL BE GIVEN OR NOT BIG QUESTION
IT IS NOTHING COMPARED TO EVEN NPS. IN NPS YU HAVE MULTIPLE OPTION IF THE TENURE OF SERVICE IS 30 PLUS IT IS SOMEWHERE GOOD COMPARED TO OPS BUT UPS TILL NOW IS COMPLETE DISASTER
UPS ka lump sum amount kya hoga retirement ke time par ??????????????
Lump sum amount on retirement will be 10% of total fund accumulated.
1 month salary for 5yrs of service
@@Moksha-ki-prapti मुम्फली है lumpsum के नाम पे 😆
lump sum kuch nahi milne wala 😂😂
Kya pension age 60 sall hone ke baad milega???????
महोदय, इस बात का संज्ञान नहीं लिया गया कि यह ops 2004/05 के पहले भर्ती हुए सभी employee पर लागु है। NPS actual effect 2029 से दिखना शुरू होगा। अभी तो लग भ्रम और अज्ञानता में बात/शोर कर रहे हैं।
What will be of 10+18.5% in the end of service.,.
That is the total amount from which you will get a pension.
If this is less then the prescribed amount govt will give extra money to fulfill its assured pension value.
21:18 most important point
ab GOVT jaan bujh kr employment, vacancy creat hi nahi kar rhi h to usme baaki employee ka kya dosh, jo authentic vacancy ko usko bhi fill nhi kar rhi , rojgar dene k bajay berojgar bana rhi h sabko to isme retired employee ka kya dosh h
सबसे बड़ी कमी nps ups में मेडिकल सुविधा का न होना है reitremnet के बाद ही बीमारी ज्यादा जकड़ती है तो मेडिकल सुवधा होनी चाहिए
Mejor components is HRA and Transport allowance not mobile allowance... Nps deduction 10% of Pay and DA not only basic pay ... Mai to video chod rha hu 11 min ki dekh kar kyunki usko Basic knowledge nahi hai
WITh OPS we are putting burden on younger generation for large TAX ...or mera paisa inn sarkari naukaro m baatne ke liye nahi ha
60 years ke age tak tumhari service me jo laga hai. .uska kya 🤬
Dhyan se smjho bolne se phle
jab govt amiro kai lac cror aise hi maaf kar deti h, saare neta khud ops le rahe h to uske baare me kya kahoge, tab burden nhi pad rha .?
Ye jarur rahees ka beta h ya businessmen ar ya fir government officeer se 36 ka isliye ye bol rha h...
Ops band karna hai toh sabbko band karna chahiye before 2004 employees and MLA MP ko bhi
No clarity on the amount received as lumpsum after superannuation
Ky ops m v ten percent deduct hoga
Sir employees' salary or pension should grow irrespective of all matters. These are lame excuses. Economic development is impossible without this. In a country if there's no economic security in terms of govt employability then there's a huge problem.