Respected Sir. Nice. Best aur beautiful information to all Army aur civil personal with you kindness aur goodness with wonderful motivation. Dil se aapka abhar with 10 gathri dnyewad with respect from all Indian. Jai Hind. Bharat Mata ki Jai. Bharat Bhagye Vidata ki Jai Jai Jaikar. Once again thanks with respect
जय हिन्द श्रीमान, जवानों के साथ जो व्यवहार किया जा रहा है पुलिस द्वारा उस पर क्या कारवाई हो रही हैं ।। ओर ऐसा क्यों कर रहे हैं पुलिस कर्मी क्या कारण है जो देश की आन बान शान है उसको क्यो प्रताड़ित किया जाता रहा है।।कारवाई कब तक होगी पुलिस वालो पर।।
Jai hind saab ji👌good job. Kissi ko nhi malum ki commutation ke bare mein. Sab le rahe hai. Apki video dekhne ke baad koi b nhi lene wala. Absolutely right information.
Rate of interest: 7.99% In case of unfortunate death, rest of EMIs need not to pay. If u take home loan, u need to pay the EMIs at any cost even after ur death NOK need to pay
One side information commuted amount is tax free। u save income tax on pension if u fall under 30% tax bracket the amount of tax is huge। if u buy or invest in kisan Vikas patra - the amount is doubled in 10 years 4 months। however u pay back less than doubled the amount in 15 years। thus, commutation is amazing provided u have no constraint in running household post retirement।
I think the main intention of the Government in providing the facility of commutation of pension at the time of retirement is not as you described. It is like an interest free loan to the pensioner like other benefits extended. It is not at all genuine to recover excess than what the pensioner commuted. The threshold limit of 15 years for restoration of full pension is most un scientific. Instead of that the Govt., should have put a condition as to stop recovery of amount as and when the amount is fully paid or recovered. This is not legal in the interests of principles of natural justice. Generally, most of the pensioners are not investing such commuted amount either in Banks or some negotiable instruments but it will be used to meet the immediate burdens like debt reliefs or children marriages or education purposes etc.
Of course. Any amount taken on loan is tax free. But you will be paying 8% interest on that while repaying. And most pensioners wont fall under 30% tax bracket.
Yes. What you said is 100 percent real. The Government is not doing any benefit to the pensioners by providing the facility of Commutation of pension. Even in my case also I have commuted 500000/- and paid the entire amount in 100 months @ 5000/- per month. But as per existing pension rules, my full pension will not be restored upto the end of 15 years. That means I have to pay an excess amount of 4,00,000/-. ( 5000 x 80 months). ఇంత మోసం ఉందని తెలిసి ఉంటే అసలు ఈ కమ్యుటేషన్ చేయకపోదును. దయచేసి పెన్షనరందరూ తమ తమ లెక్కలు చూసుకొన మనవి.
बहुत बड़ा फ्रोड करके रखा है कांग्रेस ने सरकारी कर्मचारी के साथ।इसलिए कोई भी कर्मचारी पेंशन मत बेचना।नहीं तो बहुत भुगतना होगा।अगर पैसे की जरूरत है तो बैंक में है।लियन लो उसमें कर्मचारी को बचत होगा।खूब सावधान।
Aap 20 lakh ko 10 saal me double hone ke liye jma krwa dijiye,40 lakh ho jayega,phir 40 lakh ko 5 saal ke liye jma krwa dijiye ,aapka 15 saal me 60 lakh ban jayega.
60 saal main retired hoga 15 saal ke liye jama karega khud 75 ka ho jayega jiyega ya marega pata nhi jee bhi gya to 75 saal ki उम्र main uss paise se kya moz masti karega 😂
Sir, agar aap emi calculators se calculate karogey toh aapka rate of interest approx 7.8% ka baith Raha hai. Aur aapko itna amount iss rate of interest par kahin nahi milega. Woh bhi without any collateral aur with insurance. Agar koi commutation le kar kahin bhi invest kar k agar 8% se jyada generate kar sakta hai toh uske liye yeh bahut fayade mein hai.
Sir this is what i hv commented earlier means u r getting commutation with respect to Purchased Value/commutation factor which is getting decreased w.r.t age but recovery is being done for 15 years. So definitely the rate of interest is higher . So i suggest not to take commutation in future .
बीमार पेंशन धारक को commute ले लेना chiye ।। Agar vo nahi rahe to commute ki recovery maaf ho जाएगी जो फैमिली के लिए मुसीबत के समय में सहायता ही हुई 🙏🙏
The video does not take into account: Present vs future value of money Income tax benefit Good points are: Brings up the rate of interest which should be reduced. Does mention the uncertainty of life which is very important for the family.
Respected sir,mein Commutation liya.jo rate of interest harsaal principal amount se deducted hota ya nahin.aur rate of interest ek jaise deduction hota ya changing hota hain please confirm.
Saab, Jankari to bahut achchi hai, asha karte hain ki Mishraji ki RTI se rate of interest kam ho jaye or itna amount pay na karna pade, Ek kahawat sach ho rahi hai ki Andha bante Rewari phir phir apne ko de.
Can anyone explain? My date of retirement is 31 July 2009. 15 year will be completed on 31 July 2024. Commuted value should be restored wef 01 August 24 but restoration date is mentioned in sparsh corrigendum ppo is 01 November 24. Why?
Ki pencin Ane ke bad compute duwara kata ja sakta hai kyo ke mera compute alug alug dowar dowara kat rakha hai. Pura hone par dowara suru krta g kya kre thank✔️👍✅
Sir ji ye installment kab se start hota he, jese hi retirement hone ke baad pahili pension aati he tb se ya fir kuch 1-2 saal baad..., kyuki mere papa April 2007 me retired huye the but abhi tk unka commutation installment debite hota he... 15 saal se upr ho gaya fir bhi kt raha he... Please reply dijiye
Loan amount 22,62,354 Tenure 15 saal Rate of interest 6.5 = monthly payment. 19708rs Total interest 12,85,086 rs 6.5 % ROI & 7.4 rate of interest se 14,89,566 Sasta hai baki loan se fd rate hi 5/6 % chl raha hai har ek ne lena chahiye or jitna mile utna lena chahaiye
Saab jo commute ek bar le liya hai,wo wapas kar sakta hai kya?aisa koi option hona chahiye .Unit me pensioners ka documentation bhi thik se nahi ho pata hai.
Sir good evening. Mera commutation amount per month rs 3390/- cut hoo rahai . His October month ko 15 years complete hoo jayaga lekin commutation amount restoration dates 2025 aur 2027 ko restoration dates Diya hai .hey correct hai kya sir.
Number ek sar ji iske fayde agar 15 sal se pahle 2 sal 4 sal 6 sal mein parmatma ko pyara ho jata hai to sab maaf ho jata hai agar computation ko property mein use kiya jaaye aane Wale 10 sal mein 20 guna benefit degi
Communication mila jaise 15 lakh Aapne uski Fd krwa di... To monthly aayega 9000 rs Ab 14 saal k liye h ye time 9000×12×14 =15 lakh 12 hjaar Govt. Aapse kaategi.. like 17600 per month then 17600×12 ×14 app. 30 lakh k karib hoga ... To aapke 15 lakh interest ho gya 15 communication ka phle mila h mtlb 30 lakh... Ek jaisa hi h... Bs... Govt. Ko fD RD SB.per jyda interest dena chhaiye.. wo 2018 m 7.6 tha jo aaj kam hote hote 6.6 ho gya h ..
हेलो सर। एक तो कर ग्रेच्युटी अमाउंट होता है और एक होता है कम्युनिकेशनअमाउंट यह कम्युनिकेशन अमाउंट भी मिलता है क्या जब रिटायरमेंट हो जाते हैं या नहीं मिलता
Who is forcing you to commute the pension. It is your choice ; you can refuse to commute . You want to have cake and eat it too. By the way I am also a retired central government employee who chose to commute as at that time FD interest rates were high. Now when the FD rates have gone down everyone is cribbing.
It's an Eye opener sir. Thanx for your research and sharing this video 🙏. May Sri Ram ji bless you with good health sir.
Respected Sir. Nice. Best aur beautiful information to all Army aur civil personal with you kindness aur goodness with wonderful motivation. Dil se aapka abhar with 10 gathri dnyewad with respect from all Indian. Jai Hind. Bharat Mata ki Jai. Bharat Bhagye Vidata ki Jai Jai Jaikar. Once again thanks with respect
जय हिन्द श्रीमान,
जवानों के साथ जो व्यवहार किया जा रहा है पुलिस द्वारा उस पर क्या कारवाई हो रही हैं ।।
ओर ऐसा क्यों कर रहे हैं पुलिस कर्मी क्या कारण है जो देश की आन बान शान है उसको क्यो प्रताड़ित किया जाता रहा है।।कारवाई कब तक होगी पुलिस वालो पर।।
Koi nhi puchta h bhai ,sb desbhkti bhul jate h yhan
Jai hind saab ji👌good job.
Kissi ko nhi malum ki commutation ke bare mein. Sab le rahe hai. Apki video dekhne ke baad koi b nhi lene wala. Absolutely right information.
बिल्कुल सही बात |
किसी को पता नहीं अन्दरूनी तथ्य....
बस ले रहे हैं--ले रहे हैं-- ले रहे हैं
कर्ज के जाल में फँसते जा रहे हैं
Rate of interest: 7.99%
In case of unfortunate death, rest of EMIs need not to pay.
If u take home loan, u need to pay the EMIs at any cost even after ur death NOK need to pay
No bro it changed now after death insurance company will pay not your family
@@Kariz_uv is it so sir ?
No. Bro loan ka bhi insurance hota hai insurance company will pay.
राम राम साहब बहुत अच्छी जानकारी धन्यवाद
Thank you so much saab you have lot of knowledge
Jai hind saab bahut bahut danyabad hamara ankhein kholdiya.
मैं आपकी बात से सहमत हूं। ये तो साफ़ ही लाइफ इंश्योरेंस है।15 वर्ष के लिए
Very nice shab aap bahut achhi jankare de rahe ho shab
I salute sahb
Sir, you are right, all serving personnel not known about this fact. All serving pers knownn about this facts
Jai hind saab aap ne jo intrest rate bataaya hain pl dubara check kare
Kyuke intrest 4.5 to 5% he ho raha hain annual......
Sahabji aap bahut atchi kam ki gyan dete Rahte ho aur aage bhi nya2 jankari dete rahna meh aapko SELUt karta ho
⁉️atena sab ko sayad pata nahi govt achhi chuna lagrahi, good information 👍👍🙏🙏
Respected sir you give valuable information thanks
Superb exploration 🙏
Very good suggestion. I have decided not to take Commutation benefit. Thank you for Eye opening me🙏🏻🙏🏻👍👍👍
Jai hind sab, you are briefing very good👍, keep it sab, I'm sub/maj-Giri
One side information commuted amount is tax free। u save income tax on pension if u fall under 30% tax bracket the amount of tax is huge। if u buy or invest in kisan Vikas patra - the amount is doubled in 10 years 4 months। however u pay back less than doubled the amount in 15 years। thus, commutation is amazing provided u have no constraint in running household post retirement।
I think the main intention of the Government in providing the facility of commutation of pension at the time of retirement is not as you described. It is like an interest free loan to the pensioner like other benefits extended. It is not at all genuine to recover excess than what the pensioner commuted. The threshold limit of 15 years for restoration of full pension is most un scientific. Instead of that the Govt., should have put a condition as to stop recovery of amount as and when the amount is fully paid or recovered. This is not legal in the interests of principles of natural justice. Generally, most of the pensioners are not investing such commuted amount either in Banks or some negotiable instruments but it will be used to meet the immediate burdens like debt reliefs or children marriages or education purposes etc.
Of course. Any amount taken on loan is tax free. But you will be paying 8% interest on that while repaying. And most pensioners wont fall under 30% tax bracket.
Sahi kaha sir aapne... Abhi humse self declaration bharaya ja raha hai ki kyu nahi lena hai with reason.
Very good eye opener information
Thanks sir
Yes. What you said is 100 percent real. The Government is not doing any benefit to the pensioners by providing the facility of Commutation of pension. Even in my case also I have commuted 500000/- and paid the entire amount in 100 months @ 5000/- per month. But as per existing pension rules, my full pension will not be restored upto the end of 15 years. That means I have to pay an excess amount of 4,00,000/-. ( 5000 x 80 months). ఇంత మోసం ఉందని తెలిసి ఉంటే అసలు ఈ కమ్యుటేషన్ చేయకపోదును. దయచేసి పెన్షనరందరూ తమ తమ లెక్కలు చూసుకొన మనవి.
Bahut achche se samjhaya sir ji
Very good and valuable msg🌹
बहुत बड़ा फ्रोड करके रखा है कांग्रेस ने सरकारी कर्मचारी के साथ।इसलिए कोई भी कर्मचारी पेंशन मत बेचना।नहीं तो बहुत भुगतना होगा।अगर पैसे की जरूरत है तो बैंक में है।लियन लो उसमें कर्मचारी को बचत होगा।खूब सावधान।
Thanks sir apki video bhut achi jaankari deti hai
Aap 20 lakh ko 10 saal me double hone ke liye jma krwa dijiye,40 lakh ho jayega,phir 40 lakh ko 5 saal ke liye jma krwa dijiye ,aapka 15 saal me 60 lakh ban jayega.
Kaha krwaye?
Kisan Vikas puter
Post office mein
60 saal main retired hoga 15 saal ke liye jama karega khud 75 ka ho jayega jiyega ya marega pata nhi jee bhi gya to 75 saal ki उम्र main uss paise se kya moz masti karega 😂
😂😂😂billul ghnta bachegaa bad me@@mukeshkumarchoudhary2931
Super sir, bhaut acha explain kiya
Sir ap ki bat se bilkul sahmat hai, maga ye official batao ki rate of intrest itana jada hai
Sir, agar aap emi calculators se calculate karogey toh aapka rate of interest approx 7.8% ka baith Raha hai. Aur aapko itna amount iss rate of interest par kahin nahi milega. Woh bhi without any collateral aur with insurance. Agar koi commutation le kar kahin bhi invest kar k agar 8% se jyada generate kar sakta hai toh uske liye yeh bahut fayade mein hai.
आप की जानकारी से मैं सहमत हुआ मैं स्वयं भी काॅम्यूटेशन लेने की सोच रहा था लेकिन शासन समझ में नहीं आने के कारण मेरा इरादा कैंसिल कर दिया राधे राधे
Thanks sab. App sahi jankare de te hai
If we deposit commuted amt then this amt becomes slightly more provided we open open RD with the amt that we want to commute
Yes. There is no need to commute our pension. Govt is taking 8. percent where as we are getting less than 7 percent.
Jai Hind Saab
Sir this is what i hv commented earlier means u r getting commutation with respect to Purchased Value/commutation factor which is getting decreased w.r.t age but recovery is being done for 15 years. So definitely the rate of interest is higher . So i suggest not to take commutation in future .
बीमार पेंशन धारक को commute ले लेना chiye ।। Agar vo nahi rahe to commute ki recovery maaf ho जाएगी जो फैमिली के लिए मुसीबत के समय में सहायता ही हुई 🙏🙏
These fools would not think that way ?
Thanks sir, for your explanation ..
Nice information sir ji.
The video does not take into account:
Present vs future value of money
Income tax benefit
Good points are: Brings up the rate of interest which should be reduced. Does mention the uncertainty of life which is very important for the family.
Sachhi Baat
Respected sir,mein Commutation liya.jo rate of interest harsaal principal amount se deducted hota ya nahin.aur rate of interest ek jaise deduction hota ya changing hota hain please confirm.
Saab, Jankari to bahut achchi hai, asha karte hain ki Mishraji ki RTI se rate of interest kam ho jaye or itna amount pay na karna pade, Ek kahawat sach ho rahi hai ki Andha bante Rewari phir phir apne ko de.
Bilkul aapke baton se sahamath hum🙏
Good sported sir ji 🙏
Kya hum Is commuted rashi (40%)ko retirement ke 1ya2 saal baad hi (1,2 years ke interest sahit) govt.ko wapis kr sakta hai kya.
Can anyone explain?
My date of retirement is 31 July 2009. 15 year will be completed on 31 July 2024.
Commuted value should be restored wef 01 August 24 but restoration date is mentioned in sparsh corrigendum ppo is 01 November 24. Why?
Ki pencin Ane ke bad compute duwara kata ja sakta hai kyo ke mera compute alug alug dowar dowara kat rakha hai. Pura hone par dowara suru krta g kya kre thank✔️👍✅
Jai Hind sir tq u
Bilkul sahi kaha aapne sir ye bilkul satya hai mai is ke virodh main hoon
Sir ji ye installment kab se start hota he, jese hi retirement hone ke baad pahili pension aati he tb se ya fir kuch 1-2 saal baad..., kyuki mere papa April 2007 me retired huye the but abhi tk unka commutation installment debite hota he... 15 saal se upr ho gaya fir bhi kt raha he... Please reply dijiye
Sir commuted portion Kab Tak cut Hota ha agar bich bich may review hua ha too bee kya system ha pura bitana
Loan amount 22,62,354
Tenure 15 saal
Rate of interest 6.5
= monthly payment. 19708rs
Total interest 12,85,086 rs 6.5 % ROI & 7.4 rate of interest se 14,89,566
Sasta hai baki loan se fd rate hi 5/6 % chl raha hai har ek ne lena chahiye or jitna mile utna lena chahaiye
Good guide line sir
Good information
Very useful information
Very nice info Sir. Govt should reduced 15 yrs to 10 yrs according to latest situation.
good information sir thank you, 🙏
धन्यवाद
Jai hind sir can I deposit lamp sum of comutation which I took before the priod
Thnks for awareness sir , but we are already caught in this trap 🤔
Nice 👍👍👍
Jai hind sir 🤟😘🙏
Saab jo commute ek bar le liya hai,wo wapas kar sakta hai kya?aisa koi option hona chahiye .Unit me pensioners ka documentation bhi thik se nahi ho pata hai.
Nice information sir
This is loan given by government
Bahut achaa laga ji
Thank you sir Jai hind
Sir good evening. Mera commutation amount per month rs 3390/- cut hoo rahai . His October month ko 15 years complete hoo jayaga lekin commutation amount restoration dates 2025 aur 2027 ko restoration dates Diya hai .hey correct hai kya sir.
ऐ सबके लिए नही है,क्यूँकी इसका ब्याज का दर काफी हाई है,कही भी इन्वेस्ट करने पे दर का लेवल रखना और उसके बाद आपकी प्रॉफिट आसान नही होगा।
Good news sir
My pension Commuted value fullfill in feb 2023, Will I get lumpsum amount or the only commuted value will increase in pension. please tell me
Sir ye commutation 15 year se pahle close karwa sakte he kya iska comments me please jawab de
Karcharion k Sath yeh Dhokha h Computation Nahi Leni Chahiye utna Amount khud hi Save karna Sooru kardo to fayeda h
Number ek sar ji iske fayde agar 15 sal se pahle 2 sal 4 sal 6 sal mein parmatma ko pyara ho jata hai to sab maaf ho jata hai agar computation ko property mein use kiya jaaye aane Wale 10 sal mein 20 guna benefit degi
Communication mila jaise 15 lakh
Aapne uski Fd krwa di... To monthly aayega 9000 rs
Ab 14 saal k liye h ye time
9000×12×14 =15 lakh 12 hjaar
Govt. Aapse kaategi.. like 17600 per month then 17600×12 ×14 app. 30 lakh k karib hoga ...
To aapke 15 lakh interest ho gya 15 communication ka phle mila h mtlb
30 lakh... Ek jaisa hi h... Bs... Govt. Ko fD RD SB.per jyda interest dena chhaiye.. wo 2018 m 7.6 tha jo aaj kam hote hote 6.6 ho gya h ..
Commutation kabhi bhi mat karna, mai khud bhugat raha hoo, ye govt. Double Recovery karti hai,
❤you are right
Commotion ka Pata chala sir garajuty ka bari batana sir Joi hind
Thanks sir
Sahi bola commutation nahi lena govt ka faida hai khud ka jyada nukshaan calculate karke dekho .dub jaoge
Commuted value of pension is exempted from income tax.
हेलो सर। एक तो कर ग्रेच्युटी अमाउंट होता है और एक होता है कम्युनिकेशनअमाउंट यह कम्युनिकेशन अमाउंट भी मिलता है क्या जब रिटायरमेंट हो जाते हैं या नहीं मिलता
Jai hind sab
M nb/sub (MACP) DEVENDRA SINGH 31/05 /21 KO pension out hua. commutation ke liye willing hu, abi unwilling kar salta hu kya?
Nyc sir g
Thanku sir
Very nice Sir
Sir hame bataiye ki ek sepoy ki pension 26000/- thi aur ab uska expired huwa he. To uske family ko kitni pension milengi ?
जय हिन्द सरजी अब कितना ब्याज लगता है ।
Bhai home lena pe ye mt lena😢😢😢😢😢😢
You right sir connotation nahin lena chahiye
Discharge date 30 Jun 22,can I cancel commutation now
Aap ye batana 50%DA ke bad Commutation lene walo ko pension me kitna fayda hoga agar 50%DA basic me jod dene ke bad
sir mera commutation kab khatam hoga kaise check kare please ek video ke madhyam se explane kare
Very good sir ji
Retairement ke baad be ,, pension se
Home le saktha hain na...
Good sir
Who is forcing you to commute the pension. It is your choice ; you can refuse to commute . You want to have cake and eat it too. By the way I am also a retired central government employee who chose to commute as at that time FD interest rates were high. Now when the FD rates have gone down everyone is cribbing.
Sir yadi koi jco 50 yrs age m retire ho taha h to use only 10 sal ka milega kya. 6 yrs tak
Right sir
Thank u sir