पेंशन की बिक्री में फायदा या नुकसान | Commutation of Pension is beneficial or not

In this video conversation, we are discussing that Commutation of Pension is beneficial or not, Commutation of Pension Rules, what is commutation of pension, calculate commutation of pension, commutation of pension calculation, commutation on retirement, commutation of retirement benefits, etc.,
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Commutation of Pension Calculation Video
• Commutation of Pension...
Commuted Value of Pension Table:
mkp.org.in/form...
Commutation Factor Table:
www.mkp.org.in/...
#commutation_of_pension
#पेंशन_की_बिक्री
#commutationofpension
#commutation
#pension
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Disclaimer
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The Information provided in this Video is ONLY FOR EDUCATIONAL PURPOSE. It may not necessarily be correct and is not intended to be taken as financial, legal or any type of advice. The Video is not prepared for individual needs, financial situation of any particular person or any legal advice.
The contents of this Video cannot substitute the services of a trained financial or legal professional. Viewers should always conduct their own due diligence and anyone who wishes to apply the ideas or information provided in this Video shall do so at his/her own risk and consequences. The company and Team Guru ji do not take any responsibility for any direct, indirect, implied, punitive, incidental or any consequential damages that may arise directly or indirectly on account of any action taken based on the content of this Video.
This Video is based on various books, media, internet, etc. and may include opinion of one or more persons who may or may not be part of Team Guru ji. The company and Team Guru ji do not accept any responsibility or liability for the content, accuracy, correctness, completeness, legality or reliability of the information provided in this Video.
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[@GuruJikiPathshala1]

Part 2 of this Video: Income Tax on Commutation of Pension
ruclips.net/video/JOumQ05WJSM/видео.html

[@KamalSingh-xm4sd]

Thanks for this good knowledge

[@irfanalam6412]

😎😎qq

[@irfanalam6412]

@@KamalSingh-xm4sd q

[@rabinarayandash8350]

⁷mjú

[@kaluramahirwar8860]

@@KamalSingh-xm4sd p0

[@digamberuniyal810]

गजब समझाया श्रीमान !
बहुत मेहनत लगी होगी !!
इस वीडियो को तैयार करने के लिए मैं आपको 10/10 अंक प्रदान करता हूं जी !
धन्यवाद श्रीमान
प्रणाम

[@brajveersingh8608]

बहुत अच्छे तरीके से समझाया। धन्यवाद।

[@GuruJikiPathshala1]

Thanks Brajveer ji

[@Humanbeing19656]

समझ आ गया सर, पहले हम pension बेचने के mood मे नहीं थे.guidance के लिए साधुवाद🙏🙏

[@praveensharma1863]

Commuted value of pension (lump-sum) is tax free. Moreover I would rather like to invest this money in property & after 15 years, it would definitely give me much more return.

[@anjalidhopeshwarkar4972]

Very useful information, Thanks

[@atmarambishnoi2211]

कम्युटेशन ऑफ पेंशन की रिकवरी अब 15 वर्ष की बजाय 11 वर्ष तक ही होनी चाहिए क्योंकि अब ब्याज की दर पहले जब नियम बने थे उसकी तुलना में बहुत कम है। इधर कोई ध्यान ही नहीं दे रहा।

[@kshitijpandya4883]

सरकार ने restoration की अवधि 15 साल से घटा कर 13 साल कर दी गई है शायद आपने संज्ञान नहीं लिया है..

[@rajendernamberdar9182]

🎉 18:27 w

[@shivshaktitraders7389]

Kya restoration ka period less kar diya hai

[@pratibhapadwal2659]

Central govt permission chahiye .iske liye " jisko " concern karna hai karo .ap ki mang rakho usase Anya karmchariyonka bhi "Bhala" ho jayega🙏

[@balmukundpancholi8814]

Very Helpful .Perfect Guidance. Dhanyavad, Sir

[@rajeevpundir8639]

घर के खर्चे maintain करने के लिए 100,%पेंशन लेनी चाहिए।

[@sajalkumarchowdhury6818]

But Sir, If we fix the commutation amount then TDS will be deducted from the interest amount because for a pensioner form 15G cannot be submitted. You did not mentioned this.

[@bharotidevi3781]

ধন্যবাদ ছাৰ আমি পেঞ্চনৰ বিষয়ে জানিব পাৰি বহুত ভাল লাগিল ৷চাকৰি কৰি থকা অৱস্থাত মৃত্যু হৈছিল ৷

[@pundalikkhandare470]

सर, पेन्शन विक्री सप्टे 2006 से शुरु हुई और आज नोव्हे 2023 मे 15 साल पुरे हुये..अब कटा हुआ पेन्शन का हप्ता बन होने चाहिये था और पुरी पेन्शन मिलनी चाहिये थी मगर ऐसा कुछ नही हुआ है. क्या बिना कुछ किए वह मिल शकती है क्या..की शासन दरबार मे चक्कर लगाने पडेंगे..कृपया बताये..

[@sandeepsood8756]

Which bank gives 8 % return in FD? None. Also what about the tax implications on RD /FD ? That factor has not been taken into account. Request to incorporate this factor into commuting pension Pl

[@pratapkumar-gz5mw]

Bahut knowledgeable bat batayi apne sir. Apka tahe dil se dhanyavaad

[@prayagbhaktisagar2622]

मैंने सीनियर सिटीजन में एसबीआई में क्वार्टरली इंटरेस्ट के आधार पर जमा किया अब यह 15 साल के लिए कैसे जमा हो सकता है क्या कोई ऑप्शन है और है तो इंटरेस्ट रेट क्या है

[@banwarilal2086]

Hehehahahahahhahahahahahahaha

[@jagdishhanda2030]

Sir, you are missing one important factor. Amount monthly deducted is reduced from gross salary for I tax. Income tax saved should be taken into account,while comparing.accordingly it will be beneficial to commute.

[@harjitsinghboparai2043]

I am asking you that in that example the man commute 14000 monthly so total 168000 annually, if this amount is added to gross total income of that year for calculating of Income Tax.

[@krishnareddy2803]

No. not at all. The Gvernment either State or Central are exending so many benefits to their employees or pensioners. In such a case, I dont think that the real intention of the authorities is to recover any excess than what actually they granted to the pensioner at any cost that too without framing proper rules or intimation to the pensioner. This injustice caused should definetly brought to the notice of concerned authorities.

[@kapilsingh8876]

Video bahut jyada Acha lga . Dout Clear karne ke liye bahut bahut dhanyawad Sir. .

[@BALJITSingh-sr9ih]

It means commutation is an insurance amount which taken by the employee in advice and paying it later

[@ilalkhan9278]

Right

[@madanmohanrao4710]

No commutation is best. Now housing loan, car loan interest is reduced to around 7%. Make an RD IN post office.

[@amanullahkhan5789]

I am pensinor too
Patni ki death k baad family pension le Raha tha mloom nahi tha k second marriage k baad pension nahi le sakte one year ki ziyada pension Li hai Kiya recory hugi Kiya Karu pleas bataye.

[@ashimnandi4419]

Sir, With due respect I disagree with your calculations. Rate of Interest has been taken as constant from 11th year to 15th year which is not possible. RoI is regularly falling. Moreover your goodself has not considered the fact that the man is mortal. I have seen a number of incidents in which retired persons have died within months of their retirement. So I request you to please prepare a new video in taking into consideration the fact of falling interest rates and the mortality factor. I appreciate your way of presentation. Please ignore if you dislike my suggestion. Thanks and regards...

[@GuruJikiPathshala1]

Thanks Ashim for your valuable suggestion and feedback

[@hussain68100]

Tax liability should also considered. No commutation will increase salary which will make the income taxable. Commutated amount is non taxable

[@murtazakhan7314]

@@hussain68100 but इंटरेस्ट इनकम is taxable

[@awadheshshukla8791]

Thank you

[@kuldeepprasad3440]

11111qqqqqqqqq

[@vkmadanv]

It's very good video taking care of all points. But one important point is left untouched which will change whole calculations. Govt employee need not to pay Income Tax on Commuted value received being part of retirement benefits but if he / she has not commuted the pension than he has to pay Income Tax monthly on the amount of Rs 14000/-. If a person is in 20% slab, so he has to pay Rs 2912/- as Income Tax per month. So her effective pension will be 11088/- per month.

[@GurpreetKaur-gx3ih]

Hello sir plz plz plz reply sir jese kisi emplyess ko during service NPS or jo civil sectriait me job karte hai unko special pay milti hai to ye special or NPS ka banefit after retirement penshion fix hone par bhi iska baneffit milta ha 🙇plz reply sir

[@sunilknath]

Both are different things, special pay is for service only and pension is half of your last basic minus commutation if any , NPS subscriber get 60 percent of total deposit at the time of retirement and rest 40 is given in annuity as pension pm.

[@manusood467]

सरकार दोनों हाथों से employee को लूटती है।
एक तो commutation की किस्तों पर ब्याज दर बहुत अधिक है। और retired employee से उनके ही पैसे पर ज्यादा ब्याज दर unethical है।
दूसरे -- यदि inflation को भी consider किया जाता है तब तो और भी अधिक नुकसान होता है।
दरअसल repayment of commutation period दस साल से अधिक हरगिज नहीं होना चाहिये।

[@VIMALMATHUR-bw5ld]

बहुत ही अच्छे तरीके समझाया, इसके लिए आपका आभार।
🌹🙏🙏🌹

[@guddunegi415]

अगर पूरी सर्विस कर रहे है और लगता है की हेल्थ ज्यादा साथ नहीं दे सकती तो 100%लेना ठीक है.....नहीं तो बिना काम के लेना ज्यादा फायदेमंद नहीं है.....

[@kokotesong2055]

Sir. Manipur mei commutation koto chhoriye dodo tintin saal hochukahei retired hue aaj tak ek bhi paisa nahi mila ek akela mei nahi sab ka ja hi haal hai kiya kia jae samajme nahi aata lekin jiska jan pehchan AG office mei hoto un hai jaldi mil jata hai, dekha jaeto India ke andar corrupt state heto manipur hai.

[@rajeshbagga]

बहुत जानकारी दी इस के लिये बहुत थन्यावाद

[@yodhrajparashar1527]

मुझे लगता है ,इसमें बेसिक ही कम किया जा रहा है जिसके कारण DA का loss हो रहा है जबकि पूरी पेंशन बनने के बाद किश्त कटनी चाहिए इसलिए मुझे लगता है कंम्यूट न करना लंबी आयु वालों के लिए सही रहेगा । यह सिर्फ उनके लिए सही है जिनकी मृत्यु 15 साल से पहले होगी ।

[@bherunathgardan7411]

खुद तो पेंशन कम लेकर दुख देखो अगर मर जाते है तो साथ थोड़ी जायेगा ओलाद को जितनी सुविधा उपलब्ध कराई जो भी हो कम है

[@qadirali7812]

Maut ko kisne dekha hai ye dleel aapki galat hai

[@rajeshdhawan1232]

Which 8% FD gives these day ?

[@amaryadav1791]

अत्यंत हीं महत्वपूर्ण जानकारी के लिए बहुत बहुत शुक्रिया ।

[@ritachattopadhyay1312]

8% interest kanha milega?

[@sushilsrivastava7314]

Lic ki Pradhan mantri yojana

[@munendraveersingh8062]

पेंशनर की मृत्यु के बाद फैमिली पेंशन कितने प्रतिशत बनती है

[@krishansingh9190]

Thirty percent of basic pension will get family pension

[@DeviSingh-sc2vz]

@@krishansingh9190 है कि पेशनमिलतीह

[@umeshsawatkar8104]

Well done to aware the Government servant to choose comutation policy for benifit of employees, Thanks,

[@ajeetrajachauhan8395]

मार्ग दर्शन हेतु आपका बहुत बहुत धन्यवाद

[@krishnamk5422]

Very good information Guruji..Bahut bahut dhanyawaad 🌹🌹🌹🙏🙏😊

[@1998abhijeet]

बहुत अच्छी और clearly जानकारी दी गई है। धन्यवाद।

[@tanmayakumarmallick8825]

Sir, you have put your points vividly. Now, my doubts abouts about the topic are cleared.

[@OnkarSingh-bo1hv]

Thanks bahut achha samjaya

[@bharatikulkarni7960]

Commutation के बारेमे बहोतही अच्छी और detailed जानकारी आपने दी है. धन्यवाद..

[@GuruJikiPathshala1]

Thanks

[@rajendrachopra3000]

गज़ब जानकारी, आपका बहुत आभार 😊😊👌 वैसे भी आती हुई लक्ष्मी को postpone नहीं करना चाहिए, जो भी अधिकतम मिलता हो ले के अंटी कर लेना चाहिए

[@DurgaPrasad-t6o]

Apne bahut acchi jankari saralta se samjhai hai . Apka dhanyawad !

[@moturamsuthar3538]

सर जी वास्तव में ही अपने इतनी अच्छे तरीके से और इतनी अच्छी आवाज में जानकारी दी है कि दिल खुश हो गया है काश इस युटुबूब पर आप जैसे व्यक्ति होते तो हमारे देश की हालत ही कुछ और होती और लोगों को बहुत सारा ज्ञान मिलता भगवान से मेरी यही प्रार्थना है दिल से दुआ है कि आप स्वस्थ रहें अपने परिवार में मस्त रहेंआप दीर्घायु हो

[@ParamjeetSingh-ms1sx]

Last opinion bilkul sahi lga saab ji
Thanks
M liya hu

[@rksen3874]

apko bohot bohot dhanyabad asan tariqe se samjha ne ke lie.

[@reportingwithvedikakhanka5708]

महत्वपूर्ण जानकारी के लिए आप का भी धन्यवाद.

[@kiranpatil1222]

बहुत सरल भाषा मे और उदाहरण देकर समजणे के लिये आपका धन्यवाद सर..

[@ramraogaikwad-rl6fi]

Very useful information
Thankyou very much

[@arbrahmbhatt99]

बहुत बहुत धन्यवाद गुरूजी

[@rajkumar-em6cx]

जानकारी देने के लिए आप का दिल से वहुत वहुत🙏💕 धन्यवाद जी
.

[@remensubburemen5226]

Yes commutation is tax free so more beneficial for Govt Employee as explained it's good information and knowledgeable

[@GuruJikiPathshala1]

Thanks

[@syedshabbir3741]

लाजवाब जानकारी
आप की इस जानकारी के लिए बहुत बहुत धन्यवाद

[@pansingh2051]

महत्वपूर्ण जानकारी को विस्तृत और सरल तरीके से समझाने के लिए आपका बहुत बहुत धन्यवाद 🙏🏻🙏🏻👌👍

[@GuruJikiPathshala1]

Thanks

[@shrikrishansharma4050]

बहुत ही अच्छी जानकारी दी बहुत ही ठीक ढंग से समझाया धन्यवाद

[@onkarsinghpurewal990]

sir bahut barhya jankari diya hai. Dhanwad

[@abcDef-yt9wx]

Very high exposure I got from u sir. Am confident to take dicision due to this thank u.

[@Samar.A]

sir... you have made a brilliant video explaining what i exactly needed. thank you!

[@jindagilive926]

Sir, aapne bohut hi detail aur saral bhasha mein samjhaya hai, thank you very much sir

[@shamlal8909]

बहुत धन्यवाद सुनियोजित सुझाव के लिए ओम नमः

[@SvinaSingh]

Sir, You explained this topic very beautifully.

[@GuruJikiPathshala1]

Thanks a lot

[@gajendrakumar5734]

बहुत ज्ञान बर्धक जानकारी 🙏

[@punitmishra7819]

Bahut achchha se aapne samajhaya.iske liye bahut dhanyavad.

[@omprakashjatjat712]

Very very nice bahut hi Achha guidelines diya h me khud 31.8.23 ko 60 Sal Age Puri karke pension jara hu me . Bhi comute ke bare me Achhi tarah se samjh gaya hu

[@PremChand-zv1zc]

bahut badhiya explained kiya aapne 👍 👍

[@drprincepathak3270]

Thankyou Sir for delivering a very important information to all the govt. employees in a very knowledgeable and in a very easy way.
Hats Off To You Sir !

[@subashnayak2862]

Thanks for your great information on commutation of pension, it is very useful to everyone. Many many thanks again

[@GuruJikiPathshala1]

You are most welcome

[@premkumargodhia1346]

Bahut hi badhiya Guruji 🙏🙏

[@pradeepgajmer3142]

Thank you sir for give a such a useful lecture with example sir ❤❤❤❤

[@mohdisrailkhan2739]

Thank you sir for give a such a useful lecture with example sir❤❤❤❤

[@kamala5733]

Gurunji many many thanks

[@shankarduttjoshiAlmora]

धन्यवाद बाबा जी, आपने बहुत अच्छी जानकारी दी है

[@yashpalminhas1238]

Thanks for detail information.

[@NandLal-eu9wc]

Good morning sir ji Apne jo Ray di bahut achha hai.

[@harjitsingh4697]

Good job for secial veluE for senjior citizen,Good sewa thanks
Everyone solve Problem BY YOU ABOUTITR THSNKS AGAIN

[@mohinderlal9504]

I went for commutation was somewhere pinching me in the core of my heart but now, I am confident that my decision was not wrong in any case as a Banker.

[@AnilKumar-eo2fz]

Sir, aapka bahut bahut aabhar
🙏🙏

[@binodbiharisharma1002]

सरकारी कर्मचारियों के लिए बहुत ही सुंदर जानकारी है। दलालों और बाबुओं से काफी राहत। बहुत बहुत थैंक्स गुरु जी👌👌🌺🌺।।

[@GuruJikiPathshala1]

Thank you so much.

[@r.prasad9248]

Thanks. Sir you claified everything regarding commutation of pension 😊

[@naveenshah3826]

इतना अच्छा explain करने के लिए आपका बहुत बहुत धन्यवाद 🙏🙏🙏

[@kalawatinegi854]

Sir, bhut achche trike se aapne bttaya hae🙏🙏

[@kailasbondre2939]

Thanks dear sir ji.
Very much important information.

[@madanbhat8814]

Such accurate analysis outstanding. I have not come across any video so explicit in the area. Wonderful .❤

[@babulalmeena8772]

श्रीमान आपने सभी बातें बहुत ही अच्छी तरह से समझाई हैं आपका बहुत-बहुत धन्यवाद जी 🕉️🌹🙏

[@allindiaradiovadodara4099]

Thank you very much for in-depth information.....

[@sadhramsharma4273]

Saral tarike se explane karne ka bahut bahut dhanyavad

[@GuruJikiPathshala1]

Welcome

[@आपकीबात-च7ठ]

जानकारी के लिए बहुत बहुत धन्यबाद

[@chittaranjanpatra3792]

Sir very useful calculation which will be benefit to all govt. employee.thanks a lot

[@GuruJikiPathshala1]

So nice of you

[@22440666]

Thank you for making knowledgeable vidio

[@pundalikkhandare470]

सर, कमुटेशन पर आपका व्हिडीओ लाजवाब. ऐसाही ग्रॅतुईटी कॅलकुलेशन पर व्हिडीओ बनाईये येह विनंती...

[@vinodchristian6441]

Sirji, aapka explanation bahut satik hai, thanks 🙏

[@kiritpatel9787]

Guruji. Aap ne achha informative video banaya hai dhanyawad sir

[@vinodrahi1656]

धन्यवाद, बहुमूल्य जानकारी

[@sudhindrabukkebag7502]

जी बिलकुल। विश्लेषण के लिए धन्यवाद। मैं पिछले मार्च में रिटायर हुआ कोमुटासन का आधा सोना खरीदा ओर आधा fd। प्रेरणा आप ही का यह वीडियो पहले देखा था।
बहुत बहुत आभार ओर धन्यवाद आपका।
🙏🏵️🙏🏵️🙏🏵️🙏🏵️🙏🏵️🙏

[@GuruJikiPathshala1]

Thanks for appreciation

[@sabitasarkar9808]

Thank you for sharing the above video Sir

[@naveenchandrapathak9274]

So, what have you decided. I mean..option ？

[@rpsingh-wk8uy]

Achchhi aur saral bhasha me samjhaane ke liye bahut dhanyawad.achchha lagaa.jankar aasha hai aage bhi aisi hi upyogi jankari dete rahenge.thank you ji.

[@SachinPatil-cw7ib]

बहुत सुन्दर माहिती दि गई है

[@premprakashsharma9989]

If Pensioner died in 65 years of age

[@narendrasaini5732]

Very good information in easy & simple way . Thanks

[@chanchalmandal5852]

Good information, thanks

[@rajendratamse2095]

Thank a lot sir.. very nice explanation..

[@littlebabydancedance2864]

Bhot achhi bate batai danyabad

[@gandhekedari5987]

Nice information Thank you sir

[@eciintlcoop1801]

Namaskar Sir, aapke samjhane ka tarika bahut hi badhiya hai meri samaj main aa gya sir . thanks sir