WHICH IS BETTER NPS VS UPS @UNIFIED PENSION SCHEME PROS AND CONS @UPS
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- Опубликовано: 12 сен 2024
- WHICH IS BETTER NPS VS UPS @UNIFIED PENSION SCHEME PROS AND CONS
UNIFIED PENSION SCHEME
NPS VS UPS WHICH IS BETTER
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Nps is still better because of the lumpsum amt, if you invest that amt even in a bank fd you could get a big amount monthly as interest, now add this interest with nps pension, you will definitely get more than what you get in ups, and more importantly your corpus will remain intact,
Absolutely true
Nps is better than ups for sure,,life expectancy going to reduce in coming years,.living above 70years will be rarity..lumpsum corpus is definitely a big plus in nps
Life expectency increases as we move forward.
@@YV-2000 not in India atleast,,may be in Japan or Europe
@@ramangarg9990 Maybe not for everyone, I am talking about the well-off individuals.
One point missed.
If someone retire voluntarily
In NPS he have option to utilise 80% of corpus for annuity and start the pension from retirement date and 20% will get as lumpsum. If he chooses return of purchase price option for annuity after his/her demise this 80% will also be given back to nominee.
But in case OF UPS even if you service for 25 years and eligible for full pension..
Your pension will only start from the date of superannuation, not from the date of voluntary retirement.
What? I think there is no such kind of provision in UPS, we get pension only after super annuation. It is only in the case of minimum pension for 10 years of service.
@@saikumar-32 IN UPS if someone retire early, even after completing 25 years of service, pension will start only after superannuation date, not from the date of voluntary retirement. This was clarified in the question answer session after UPS announcement..
@@technozagaming2969thank you😊
It's not confirmed as there is no written rule. Wait for detailed notifications. Refrain from making baseless rumors.
@@callofgamer4940 Check question answer session after UPS announcement by the same officials same day..
Try to check the base first . Then say baseless rumour..
We demand only OPS. UPS bhi ek jumla hai, lumpsum amount is not good also commutation amount not there. UPS maybe better than NPS, but OPS is best. We Demand OPS.
congress ke samay kanha mar gaye the sab
Why this demand was not raised in UPA government 2004_2014 ?@@abc-hm5zq
Why this demand was not raised at the time of UPA government 2004_2014 ?
Nps ka retirement ka bad too jumla pata chola na....tab retirement suru kaha huwa...@@mahavirsoni3794
Marwa rhe the tab ye sab @@mahavirsoni3794
Finally you are here...after a long time... may be after 12th bps information... kindly post regularly atleast DA related...
Thank You 😊..
Government apna contribution 18.5% kre ya 20% kre ya 50% kre iss se hume kya fayda UPS me vo vaps Government k pass he toh jaiga
Correct ishi liye to badha rahi yaha se profit kamayegi wapas apne pass rakh kar bas 50% dega
To nps rakh
Govt 50% minimum return degi agar fund 50% se zyada return dega to uska fyada employees ko milega
50 percent se jyada होगा ही नही क्योंकि govt 18.5 percent contribute jarur kr rhi h। Pr actually me 10 percent apke fund me kregi 8.5alag se fund me kregi jo गारंटी के तौर pr hi kam aayega just like insurence money
@@abc-hm5zq wohi rakhenge
Hzaro videos dekh li net pe ups li . Lekin Exactly jo know krna tha. Wo issi video mein mil paya h... Super Like to this video.. thanks
Why is there so much delay in your videos!!......most authentic bankers channel🙏🙏👍
Long term stocks market returns were never less than 14%, so NPS would also give 13-14% returns in the long term. It's sure shot, just like index funds.
NPS may equity may bohut kom hay, so 9-10% jadya se jayda mil jaiga
@@kalyankrsingharoy7666 aap kis base per bol rahe ho ye baat?? Simple logic lagao, jab index hi 13-14% return de rha hai to NPS me Kam return kese mil jayega?? NPS ki site per check kar lo apka Paisa kis fund me hai, uska hi return check kar lena long term ka, mera paisa HDFC and SBI fund me hai, unke index fund ka return bhi to wahi hoga jo nifty 50 index fund ka hai, kyuki companies to same hi hai na.
@@kalyankrsingharoy7666that's depend on you....i chose 75% in equity
Yes Max 9% to 10%
PSU banks me allow kaha Kiya hai fund manager change karne ke liye ??
Most trusted banker channel…please make frequent videos sir..we need your advise and guidance
The most authentic channel for bank employees as well as others also
Thanks for your valuable information
Is the employeer contribution increased to 18.5 % in NPS to or only in UPS.
Hello Brother, If employee and his wife dies what happens to the corpus amount, does it returned to Nominee or GOVT keeps it?
Sabhi milke employees ko guma rahe hain...why they don't implement One nation One pension rule.
Thank you so much for explaining UPS nicely 😊😊
The worst thing is people doesn't know power of compounding which is possible in Equity..the bank should give option to employee to take risk as per his risk appetite
At least bank should give life stage linked investment plan....where young employees contribution goes more in equity and near retirement employees goes in debt.....why all contribution going in 8-9% ROI debt instruments...!!!
Jis banks mei wage revision nahi hua h jaise COOPERATIVE banks unka August 2024 se DA kya hoga..pls Reply.. aap DA pr video nahi bana rahe ho.. Pls ye bata do..
Aap jo bata rahe h wo sahi nahi h m NPS se ritaire hun 12 yrs govt job kiya meri pension nps se sirf 2600/- hi h aap pata nahi konse hisaab se calculate kar rahe ho
Hi air please tell me about Caiib additional increment adjustment who are maximum reached or already in stagnation Increment
Banks main implement shayad next lok sabha ke elections ke baad ho jaye, aur next lok sabha ka elections agar opposition jeet jaye toh vo OPS bhi wapas la sakte hai.
Sir जी ये बताइए कि NPS में जो 10% DEDUCTION हुआ और आगे भी DEDUCTION होता रहेगा तो उस रुपये का क्या होगा, अगर वो UPS SELECT करता है।
Govt ka ho jayega
खत्म
टाटा, बाए बाए
Sir please make video difference ups vs ops
Nicely explained thanks..
Sir can u make video on latest fitment chart for jaiib and caiib increment.
There is no specific detail about this issue of caiib 2 increment for officers
Bhai OPS mai pension 20 saal baad milti hai. UPS mai additional amount 10% + DA ( matlab employee contribution pura milega jo har 6 months mai jud jaayega) Secondly Family Pension OPS mai Basic ka 30%hai jabki UPS mai 60% hai. OPS mai GPF apni salary mai sai katwana padta hai.
In NPS balance amount of 40% for which annuity was purchased is payable to Next of Kin after demise of pensioner and family pensioner?
Yes
Superb n best video till now
Govt just Playing with employees😢😢😢
What about private employees
@@vivekshukla3482 To crack kro na govt job
if govt take our 10% then why i chose ups... if we wont get our investment money then nps is better
One thing clear government created a buzz like demonetisation
Sir you are a manna for bankers.. Wish you create more content for bankers at a more frequent basis..
GOOD WORK SIR👍👍👍👍👍
The most trusted banking channel
You have to compare total retirement benifits under NPS and UPS, as retirement gratuity is applicable in NPS but no mention in UPS. So kindly make a comparision video of NPS VS UPS on complete retirement benifits of government employees. Please!!!!
In life expectency case you have to include spouse also because if both dies then only UPS will be closed.
There is no employee contribution in UPS . It seems lumps um payment in UPS in lieu off pension commutation in OPS
10% same applicable nps and also ups
😊
Other factors are affecting NPS, UPS i.e if any body retires
after 25 years of service say at the age of 52 or 55, he will be eligible full pension. His NPS corpus will be less.
Here, we presume service up to the age of 60 & NPS corpus is calculated accordingly
Full pension of last 12 months basic average, so at age of 55 years Basic also less so UPS pension will be less.
Ups मे 7% से ज्यादा नहीं मिलेगा और nps मे 12% से कम नहीं मिलेगा ये लिख के ले लीजिए, ups जिसकी कम service है या जो late join हुआ है उसके लिए ठीक है पर जिसकी 30-35 साल service है उसके लिए nps ही सही है। सर ने 10% लगभग हर साल जुड़ता है वो calculate नहीं किया इसलिए 6 करोड़ ही आ रहा है
Was eagerly waiting for ur videos sir
I joined on 2012 @ age of 25 if I will take VRS after 25 years at 50 years of age so UPS gives pension @ 2037 or should I wait another 10 years to get pension?
yes
@@dainikportal1035 what yes? Just read my question I ask that if I joined on 2012 and will take VRS after 25 yrs of job at my 50 years of age in 2037 then will I get 50% pension from 2037 or in 2047 when my actual retirement of 60 years age?
Sir what about those pensioners who are already retired under NPS less than 10 years service there are not applicable for UPS ? my request to you sir make a video for less than 10 of service pensioners please
Excellent 👍🏼👍🏼👍🏼👍🏼👍🏼
Waiting for your Video.❤
Cpf se nps intrested loss
Nps se ups corpas loss
Thank you sir for the full information. But we need OPS. Govt is cheating by changing the name only. Total ka 50℅ hona chahiye. Basic ka 50℅ it's cheating
UPS is clear winner against NPS.Because it provide you dearness relief at per with inflation.
You can beat inflation only with UPS.
As there is no provision of DA in NPS so it is actually useless after 5 or 6 years of your retirement.
Don't forget inflation rate is around 5 to 7 percent.
Sir plz reply Jo log retire ho gai hai unko to 10%dene pr sarjar se 14%hi mila tha aur ab inhohne 18%kr diya to kya jo log retire ho gye hai unka ye jo loss hua hai uska ye log khuch krenge plz reply sir
Good move by govt. UPS is a very good option than NPS..OPS is not good for country's economy...
Best video
जुमला जुमला जुमला
The best thing is the employees to be given option to invest 75 Percent in Equity..All employees should demand to invest their corpus in Equity
If employee invest Rs 25000 for aperiod of 30 yr at return of 15 percent he gets corpus of 18 crores
What will happen to the old pension scheme who has joined before 2009 in sbi
Is it applicable for bankers also?
Bankers heart & soul channel
Good sir, when will choose nps / Ups
Simple conclusion, UPS is better for short duration service and NPS is better for long term service of 25+ years.
Kha the aap itne din tak... tabiyat tik hain kii nhi...awaj tik nhi aa rha hain aapka
If employee resign in 15 years of service then will he govern under UPS if yes then how much pension entitlement???
Same question
Same question
Pension tb hi start hoga jb aap 60 ke ho jaoge
@@successadda5062 😧😧
@@MusicWorld-cy2ve yehi to dikkat h isme. Manlo 25 sal kaam krke VRS le lia or pension milegi ni 60 se pehle. To khayega kya baba ji ka thullu
If someone opts for UPS and employee and spouse both die on same day then what happens to corpus?
Will PSU Bank employees be elegible for UPS>>
Bhie 1/10 se lumsump kitna paisa banega... Jb nps ka sbb bta diya toh ups ka b bta dete... Woh hi nhi btaya toh vdo bnane ka mtlb kya hua sara vdo zero ho gya... Jo hmko janana tha woh hi pta nhi chla
Bahut din baad aapke darsan hue sriman
Sir Regularly Vdo post kare.....
Return 60% and gurantee 50% pension to emoloyee that is the solution ❤
OPS me bhi to last 10 months k basic pay ka average ka 50% + DR milta tha
Thank you
LIC or PSU banks mein milegi kya ups
Ups me lumpsum benefit jo ki 60 times hai for 30 years service
Vo 6 months ki salary ka 10% se multiply hoga
Vo 6 months ki salary retirment ke time ki hogi. Ya service joining ke har six months ki salary hogi.
Obviously retirement bhai
Avg salary drawn over the service period
#vote4ops
Today govt is on backfoot union should fight for old pension scheme
Bank Jaye Bhad mai. Leftist Union Ke Chakkar Mai Bank, Desh sab ko Doobao..😂😂
Sir very long time,be regular
You have not considered Family pension in case of death of employee even before at the age of 65 ie Social security
Sir bankers ko milegi na UPS??
02:02 Jo Ye lumpsum payment hogi, wo NPS ke Total Corpus ka jo 60% Taxfree Amount milega retirement pe, us se kahin jada kamm hoga.. Bohot kamm hoga. Ye zrur bataye. Dhokhe me mat rakhiye.
I Suppose you forgot one point: in NPS after death of pensioner, spouse get the option to either collect lum sum copus or the family pension. Even if spouse select family pension, After death of spouse, the children gets the lumpsum amount from which the pension amount was raised.
There is no such clarity in the UPS, that at the end whether beneficiary at the end will get the corpus lump sum or not
You are right absolutely right...
NPS is far better than UPS
Bankers do As much saving as you can in the end no one knows what will happen .. entire amount will be withdrawn by the government.. ..we will only 👎 get this in the end
Sir we want ops only no NPS no ups
13:01 ye jo 100% annuity ki bat ki hai vo kaha likha hai pib ki site pr? Aisa bhi hai kya ki 50% sirf minimum assured hai but agar over the service period aapne jo corpus build kiya hai usse annuity li jayegi jaise LIC se li jati thi NPS mein aur fir jo pension bnegi vo milegi even if it's higher than 50% of your basic pay
For ex: If my basic pay avg of 12 months at retirement is 1L but I have 10Cr as corpus in my ups account to sarkar vo 10cr ka use mujhe airf 50k + DR dene ke liye kregi ya fir annuity liya jayega jisme let's say meri pension 2L bnti hai tb to mujhe meri basic se bhi zyada milega
TL;dr
Will the corpus accumulated over the years be used to buy annuity which will determine pension even if it's higher than 50% of your basic pay. That means I can get more than 50% of my basic pay as pension if there's enough corpur in my UPS account?
Pls clarify
You will get the return of annuity as pension. If it less than the assured ammount it will be replenished by the govt to match your pension amount and if the return is more you can enjoy the higher return. There will be no lumpsum withdrawal which is a big loss.
@@peacefulmusic8957 Can you please guide me where is it mentioned by the govt or refer me the briefing by Minister of I&B where it was said? As far as I have gathered from different sources, you will be just assured 50%, anything more than that will be taken by govt.
This is worse than NPS.
why आपको अपना 10% देना ह और बदले मे आपको रिटायरमेंट के बाद ये सब sure मिलेगा. आप nps के gov के पैसे को मत देखो आप ये देकगो आपने 10@)% देके पेंशन ली ह. बस यही इसका ups का ड्रॉबैक ह के हम 10% क्यू दे. बाकी nps से तो बहुत अच्छी है ये.
@@sandiaarush7955 गलत। NPS और UPS में पेंशन लगभग समान मिलेगा, पर UPS में NPS की तरह 60% लंपसम नहीं मिलेगा। वैसे मैं गुजरात से हूं, और मुझे इन लोगों का 4 दशक का एक्सपीरियंस है। ये लोग कभी कुछ नहीं देते, इनसे अपना हक भी छिनेंगे तो मिलेगा, नहीं तो भूल जाओ।
Yes
Mereko Mera paisa wapas chahiye...😂😂😂😂
Kaha gaye the itne din???
Ups me Isme family pension h lekin
Will it be applicable to rrb bank employees‽
Kya yaar aa gaye majaak krne
Is this available for bankers
Depend krta h kitne din tk jinda rhe ho
Sir gramin bank ke bare kuch batna chalu kro
Ups is only for central government employees
10% per year kaha badhata hai govt me
Only old pension
I had joined bank in 2014 and I will retire in 2051.. i will complete 25 years of service in 2039. If I opt out VRS,will I get pension 50% of last basic.. definitely no...
What hell is this scheme.. totally cheating
Join Kiya matlab Kisi or Upakar nahi Kiya. teree Pension agar Org ko Nuksan hota hai to NPS hi Thik Hai. Mai 2014 se join hu. Lekin NPs supporter hu.
Employees ka 10% or sarkar ka 18%
Ka kya hoga nps ka tarah employee ko milega ya sarkar ko milega🎉
UPS may mera 10% vhi le legya
60 year baad milna = nahi milna
Only OPS we want. UPS is eye wash. Paisa dikhega lekin milega kuch nehi. Entire fund of NPS will be GAYEB. OUT OF TOTAL SALARY of 1 lakh, 30% TAX + 10 % NPS , That means only gettin 60,000/- . Aur kitna loge Govt Ji.
63 me death k baad family pension bhi to milegi dependent ko
Usse jyada to curpus value ka intrest bank me jyada milega
NPS, UPS in sabka idea Natwarlal deta hai kya😇
Miss you a lot
Agar employees khud 10% contribution Index fund mein invest karta hai toh uska khudke 10% contribution pe hee kam se kam 20 crore corpus ban jayega (Jo government khana chahti hai)
Basi pay 7 lakh rupee (13:20)
Haha
Kis service me basic pay 7lakh h.
Haha😊
To retire karne pe koi paisa nhi milega