@@Ravikumar-ml7zq vrs लेने के बाद भी पेंशन 60 साल की उम्र पर ही स्टार्ट होगी तुरंत स्टार्ट नहीं होगी आपको अपनी 60 साल की उम्र तक इंतजार करना होगा अगर आप करोड़पति है तो आपको कोई समस्या नहीं है
NPS me over the time profit will reduce because... Government servants who has choosen LC 50, their equity portion will reduce drastically from the age of 35... Isme bhi government ne hame control nahi diya... What the hell.... LC 75 ka to option bhi nahi hai govt servants ke liye.... Both NPS and UPS s**ks....
Its better ki... In NPS only.... Government allow us to select LC75 Upto the age of 50/55 and then reduce the equity percentage... Increase Employer contribution to 20 percentage and give us the option to withdraw upto 100 percentage from the total corpus tax free.
Sabse bada wala scam hai NPS . 10 sal se naukari main hoon. Abhi ek mahine pehle maine customer care se baat kiya to mujhe bataya gaya ki mere NPS ke tier -1 account main 7 lakh se uper ka amount hai..lekin jab online check kiya to sirf 4,87000 hi show kar raha hai.. Agar NPS itna hi accha tha to phir ups kyu layi sarkar.agar IPS accha hai to pehle khud ke uper bhi lagu kare..
"In UPS, even after completing 25 years of service, pension will only be received when you qualify for after putting in 25 years of service in UPS, you won't receive your pension until you reach the age of 60."
मेरा nps अकाउंट 2017 से चल रहा है जिसमें मैंने कोरोना कल जैसी महामारी भी थी जिसका एवरेज रिटर्न 9.5% है और अभी मेरे पास 30 साल का समय है इसके हिसाब से मेरे अकाउंट में 6 करोड़ से भी अधिक होगए अगर मैं 60% लेता हूं 40% की पेंशन लेता हूं कोई गधा बेवकूफी होगा जो ups लगा
Jo MAHA CHUTIYA hi hoga jo UPS select karega agar jisko jankari nahi h wahi UPS me jayega pension ke chakar me government pension dekar pure jivan ka savings apne pass rakh lega ..jisko v pura jankari chahiye mujhe msg kar lo
I had individual NPS account (UOS sector) where I had invested some amount. Then I joined govt service and the same NPS account was converted to govt. sector. If I join UPS now, what will happen to my funds that I had deposited in NPS before I joined govt service?
Let's asume 25 ki age mai job lagi. 25+12=37 ki age mai VRS.... In UPS waite for next 23 years until u reach 60 years.. Then u will get pension 50℅ of ur salary.....
Ups vohi lo jisko lgta hai ki vo 100 yrs jee skta hai. Jisko koi kaam dhandha,ya koi ghar bnana, ya koi mota investment krna vo Nps le to better hai. Kyunki 60% lumaum mil jata hai. And 40 % se thori bahut pension chlti rahegi. And husband,wife k jane k bad bacho ko bhi 40% mil jyega.
Sir, how can one miss waiting period of regular retirement in UPS? If one takes early retirement, nothing would be paid until age of 60... Big issue. If UPS can give immediate pention after minimum service of 25 years... That would be different scenario....Also there is factor game if one does not fulfill the minimum required service length... That point is still not clear from the department...
@@devendrajoshi7031personal reasons or the work environment might not allow... Specially if organization or government of that time does not have ethics, they would not allow an employee to complete full 60 years job...
महोदय आपको सही जानकारी नहीं है Ups मैं 10+10 हमारे अकाउंट में जमा होगा 8.5% का एक अलग फंड होगा अगर हमारी पेंशन 50% से कम बैठी है तब 8.5% के अमाउंट में से हमारी पेंशन को 50% कर दिया जाएगा Nps मैं अगर 3 साल तक किसी ने अकाउंट में पैसा जमा किया है अगर वह मर जाता है तो उसके परिवार को 10000 रुपए पेंशन दी जाती है कम से कम
@@AmitTyagi-fx3bj aur MAIN bat ye sun lijiye aplog agar 10+10 ka agar 60% withdraw kar liya toh us case me pension v kam ho jayega koi 50% nhi milega jitna banega utna government degi ... Yahi toh maja h UPS ka [{SIN THITA=COS THITA}] iska ans dhundhte raho 🤣🤣🤣🤣
Don't you think in NPS, on maturity our 40 percent corpus is stuck with low yeild (5.5% to 6% ) annuity schemes ? I think this restriction should be immediately removed by government and the investor should have a choice to invest their corpus as per their liking , Please share your views on this aspect . Is there any solution to this problem ?
If given the option the annuity business will go bankrupt in a matter of few years and how could a Government of crony capitalist let that happen. But it is the call of the hour to remove the mandatory annuity portion in the whole NPS investment, they can always charge LTGS on the 40% of the corpus as a whole and let the entire amount be withdrawable at the end of life of the NPS investment.
Sir q unko NO bol rahe ho ... 20% Paisa NPS ke jaisa hi chalega UPS 20% Paisa market me invest hoga aur fund manager v rahega ..apko kya lag rha GOVERNMENT market me Paisa nhi lagaayegi humlog ko bhukhe mar degi par ADANI AMBANI ko kabhi v nahi Marne degi
@@EveryPaisaMatters o toh sir pata chalega agar UPS select karliya toh.. NPS me apko 24% par pura control h apne hisab se fund manager choose karne ka bt In UPS me apse ye control chin liya jayega aur 10%+10% reh jayega bacha hua 8.5% government decision lega ki use kaha invest karna h aur iski jankari employee ko nahi diya jayega
@@EveryPaisaMatters yahi toh jhol h sir employee ke sath 50% PENSION ka wada karne ka 4.5% extra Dene ke jagah par 4% aur government decrease kar degi aur logo ko bewakoof banaya jayega 28% ke nam par
Sir ek baat btao ...koi govt school teacher agr 62 me retirement lega toh usko retirement gratuity nhi milti kya ? ...retirement gratuity lene k liye 60 me retire hona pdta hai kya ?
We are ex-serviceman retired from defence forces..we serve for 20 to 25 years of service in state govt. And central govt. PSUs ..so what is best for us.please reply
If 25 then go UPS but if the entire service is less than 25 years it'll depend on your retirement needs as you will already have pension form your old service and if the market are generous you will end with decent amount of money, but even then UPS is a better option overall.
SIR Q ULTA ULTA JANKARI DE RAHE H JANKARI ACHHE SE EKTHA PAHLE KARIYE AP ..KISNE BOL DIYA APKO KI UPS KA PAISA INVEST NHI HOGA AUR ZERO RISK H ..PAHLE ACHHE SE JANKARI LIJIYE FIR BATIYE
It is better for a person who has less service under his belt and for a person who got regularized at a very later stage in his life as the NPS Corpus will be very less to fund a very a decent life at the end of retirement.
Nps bekar scheme ha ups bilkul bekar scheme ha. Old pension only suraksha ha. Nps and ups jumla scheme ha. Sirf corporate kamatha ha employees annuity plan se. Sirf OLD pension only old age ka suraksha ha. Ops only best.
महोदय अगर मैं पूरी ईमानदारीके साथ अपनी उम्र के 60 साल तक ups me 10%+10% जमा किया और मैं 61 साल की उम्र में मर गया तो मेरे परिवार को 60% पेंशन क्यों जाएगी जबकि मैंने 60 साल तक की उम्र तक पूरी ईमानदारी के साथ अपना 10% योगदान दिया है
Baith kar calculation achhe se kariye agar 60 sal service kar diye na toh NPS best h aur agar 60 se pahle VRS lete h toh OPS .. 60 year ki service tak NPS me itna corpus ho jayega na ki ap ops ke pension lekar v utna nhi nikal payenge qki apko v pata h 60 ke bad jivan kitna sal bachne wala h .. calculation kariye achhe se sab samjh ayega ..
Governments employees loots taxpayer money and don't do their job properly now they will loot even after service. This is bad. I have seen governments teacher who are retired and get big pension, their sons don't do any job, they are just enjoying their parents pension
![I.N "HALLUCINATION" | [Stray Kids : SKZ-PLAYER]](http://i.ytimg.com/vi/n5B5q1Hwt_U/mqdefault.jpg)
Political party ghatiya h india ki.... Like kro 👍🏻
UPS is better when immediate pension will start after VRS...
Right
@@Ravikumar-ml7zq vrs लेने के बाद भी पेंशन 60 साल की उम्र पर ही स्टार्ट होगी तुरंत स्टार्ट नहीं होगी आपको अपनी 60 साल की उम्र तक इंतजार करना होगा अगर आप करोड़पति है तो आपको कोई समस्या नहीं है
@@VikySingh2841 vrs लेने के बाद भी 60 साल की उम्र में ही पेंशन स्टार्ट होगी 60 साल की उम्र तक आपके इंतजार करना होगा
60 saal tak pension k liye intejar karna parega
@@Ravikumar-ml7zq 10% खाके
NPS me over the time profit will reduce because... Government servants who has choosen LC 50, their equity portion will reduce drastically from the age of 35... Isme bhi government ne hame control nahi diya... What the hell.... LC 75 ka to option bhi nahi hai govt servants ke liye.... Both NPS and UPS s**ks....
Government should allow LC 75 Option also for every one
Its better ki... In NPS only.... Government allow us to select LC75 Upto the age of 50/55 and then reduce the equity percentage... Increase Employer contribution to 20 percentage and give us the option to withdraw upto 100 percentage from the total corpus tax free.
Gratuity ka nps ya ups se kya lena dena🤔🤔
Gratuity to hr employee ko milti h jisne 5 saal se upr kaam kiya h
Sabse bada wala scam hai NPS .
10 sal se naukari main hoon. Abhi ek mahine pehle maine customer care se baat kiya to mujhe bataya gaya ki mere NPS ke tier -1 account main 7 lakh se uper ka amount hai..lekin jab online check kiya to sirf 4,87000 hi show kar raha hai..
Agar NPS itna hi accha tha to phir ups kyu layi sarkar.agar IPS accha hai to pehle khud ke uper bhi lagu kare..
Oh thanx a lot. This was informative.
"In UPS, even after completing 25 years of service, pension will only be received when you qualify for
after putting in 25 years of service in UPS, you won't receive your pension until you reach the age of 60."
मेरा nps अकाउंट 2017 से चल रहा है जिसमें मैंने कोरोना कल जैसी महामारी भी थी जिसका एवरेज रिटर्न 9.5% है और अभी मेरे पास 30 साल का समय है इसके हिसाब से मेरे अकाउंट में 6 करोड़ से भी अधिक होगए अगर मैं 60% लेता हूं 40% की पेंशन लेता हूं कोई गधा बेवकूफी होगा जो ups लगा
Sahi bat h....me bhi ups nhi luga...ya to ops mile nhi to nps
Jo MAHA CHUTIYA hi hoga jo UPS select karega agar jisko jankari nahi h wahi UPS me jayega pension ke chakar me government pension dekar pure jivan ka savings apne pass rakh lega ..jisko v pura jankari chahiye mujhe msg kar lo
Absolutely
Nice comparison
I had individual NPS account (UOS sector) where I had invested some amount. Then I joined govt service and the same NPS account was converted to govt. sector. If I join UPS now, what will happen to my funds that I had deposited in NPS before I joined govt service?
Same case of mine we have to wait n seek refund of sane
😂
Eagerly waiting for this video thanks a lot.
अगर हम NPS से पैसे निकालते हैं तो फिर UPS पर फर्क़ पड़ेगा कि नहीं
अगर 25%पैसे NPS से WITHDRAWAL करते हैं तो....
Which one is better if someone is retiring in 12 years of total service if NPS total corpus is 25 lakhs only. Please suggest sir
Let's asume 25 ki age mai job lagi. 25+12=37 ki age mai VRS.... In UPS waite for next 23 years until u reach 60 years.. Then u will get pension 50℅ of ur salary.....
@@mohit9936 इंतजार तो ups में भी इतना ही करना पड़ेगा
Gratuity ka kya hoga?
Please make a comparison between UPS & EPF Higher Pension.
@@sujaybag8693 psu se ho kya
Yes
Ups vohi lo jisko lgta hai ki vo 100 yrs jee skta hai. Jisko koi kaam dhandha,ya koi ghar bnana, ya koi mota investment krna vo Nps le to better hai. Kyunki 60% lumaum mil jata hai. And 40 % se thori bahut pension chlti rahegi. And husband,wife k jane k bad bacho ko bhi 40% mil jyega.
Meri service 23 years ho rahi hai it means I won't get any pension ????
Sir, how can one miss waiting period of regular retirement in UPS?
If one takes early retirement, nothing would be paid until age of 60...
Big issue.
If UPS can give immediate pention after minimum service of 25 years... That would be different scenario....Also there is factor game if one does not fulfill the minimum required service length... That point is still not clear from the department...
For that only everyone will have to work till 60
@@devendrajoshi7031personal reasons or the work environment might not allow... Specially if organization or government of that time does not have ethics, they would not allow an employee to complete full 60 years job...
UPS me rate of interest kya hoga growth compare krne liye
If husband and wife died very soon his retirement, his children wont get benifits?
महोदय आपको सही जानकारी नहीं है
Ups मैं 10+10 हमारे अकाउंट में जमा होगा
8.5% का एक अलग फंड होगा अगर हमारी पेंशन 50% से कम बैठी है तब 8.5% के अमाउंट में से हमारी पेंशन को 50% कर दिया जाएगा
Nps मैं अगर 3 साल तक किसी ने अकाउंट में पैसा जमा किया है अगर वह मर जाता है तो उसके परिवार को 10000 रुपए पेंशन दी जाती है कम से कम
@@AmitTyagi-fx3bj aur MAIN bat ye sun lijiye aplog agar 10+10 ka agar 60% withdraw kar liya toh us case me pension v kam ho jayega koi 50% nhi milega jitna banega utna government degi ...
Yahi toh maja h UPS ka
[{SIN THITA=COS THITA}]
iska ans dhundhte raho 🤣🤣🤣🤣
@@AmitTyagi-fx3bj Agar 50% se jyada ban jata hai to uska benefit employee ko degi ki nahi sarkaar?
Don't you think in NPS, on maturity our 40 percent corpus is stuck with low yeild (5.5% to 6% ) annuity schemes ? I think this restriction should be immediately removed by government and the investor should have a choice to invest their corpus as per their liking , Please share your views on this aspect . Is there any solution to this problem ?
If given the option the annuity business will go bankrupt in a matter of few years and how could a Government of crony capitalist let that happen. But it is the call of the hour to remove the mandatory annuity portion in the whole NPS investment, they can always charge LTGS on the 40% of the corpus as a whole and let the entire amount be withdrawable at the end of life of the NPS investment.
@@cyberbully7718 Right !!
Sir employees ka contribution kabhi return milega ya government use kha jayegi
Much needed Video, Thanks 🙏
Glad it was helpful!
Sir nps me jo paisa jama ho raha h wo paisa ups me kaise milega
क्या ups में फंड मैनेज कर सकते है जिसे nps में है ।
No
Sir q unko NO bol rahe ho ...
20% Paisa NPS ke jaisa hi chalega UPS 20% Paisa market me invest hoga aur fund manager v rahega ..apko kya lag rha GOVERNMENT market me Paisa nhi lagaayegi humlog ko bhukhe mar degi par ADANI AMBANI ko kabhi v nahi Marne degi
@@Funshort-y7t kuch bhi?
@@EveryPaisaMatters o toh sir pata chalega agar UPS select karliya toh..
NPS me apko 24% par pura control h apne hisab se fund manager choose karne ka bt In UPS me apse ye control chin liya jayega aur
10%+10% reh jayega bacha hua 8.5% government decision lega ki use kaha invest karna h aur iski jankari employee ko nahi diya jayega
@@EveryPaisaMatters yahi toh jhol h sir employee ke sath 50% PENSION ka wada karne ka 4.5% extra Dene ke jagah par 4% aur government decrease kar degi aur logo ko bewakoof banaya jayega 28% ke nam par
Sir ek baat btao ...koi govt school teacher agr 62 me retirement lega toh usko retirement gratuity nhi milti kya ? ...retirement gratuity lene k liye 60 me retire hona pdta hai kya ?
We are ex-serviceman retired from defence forces..we serve for 20 to 25 years of service in state govt. And central govt. PSUs ..so what is best for us.please reply
If 25 then go UPS but if the entire service is less than 25 years it'll depend on your retirement needs as you will already have pension form your old service and if the market are generous you will end with decent amount of money, but even then UPS is a better option overall.
If u invest last lumsum amount from ur NPS u will get more than pension
UPS me govt 18.5% contribute kregi as it was said. But iska fayda kya h jab corpus kuch milega hi nhi
@@TalaashMe corpus will be given, it is not so cleared wait for some time...
That will nake your Assured income...otherwise that was not possible
Amit ji please ek video bana digiye private employee ka graturity ke uppar .👍🙏
Sir maine NPS m LC 50 choose ki HDFC fund manager s kya best h ya orher choose kru
Stay invested.
@@EveryPaisaMatters thanks 🙏🏻
@@GauravSharma-upcop Even I did that it is giving me good return
@@GauravSharma-upcop please raise complaint to enable LC 75 for govt. employees..
@@ArjyakCompyes and reduce from equity ay 50 year age
Only ops.... No ups. Nps... Nahi hei individual deside karne dho kya chahiye.... Ops ya nps ya ups
UPS aur NPS choice authority government tay karti hai...
Nahi ye apko select karna h ..
Aur bada soch samjh kar qki ek bar select kar liya toh 2nd chance nhi milega ..FASI chadhane se pahle wala formula h
@@Funshort-y7t 😁😁 Badi majedar aur acchi baat ki hai apne.......
Gratuity dono mein hai please edit
SIR Q ULTA ULTA JANKARI DE RAHE H JANKARI ACHHE SE EKTHA PAHLE KARIYE AP ..KISNE BOL DIYA APKO KI UPS KA PAISA INVEST NHI HOGA AUR ZERO RISK H ..PAHLE ACHHE SE JANKARI LIJIYE FIR BATIYE
How the hell is UPS better?? What about the employee contribution of 10 percentage in UPS??? Kya bhai illogical comparison hai....
It is better for a person who has less service under his belt and for a person who got regularized at a very later stage in his life as the NPS Corpus will be very less to fund a very a decent life at the end of retirement.
Ups me DA kha gya
25 years ke below service walo ko kya milega wo bhi btao koi
Sir maine NPS m LC 50 icici fund manager choose kia hu, isi mai rahe ki Hdfc mai shift kru
Dono acha hai long term mein 19-20 ka fark hai return me
Very good choice bro Bane rahiye ❤
Only OPS, UPS and NPS dono chhalawa hai
Nps bekar scheme ha ups bilkul bekar scheme ha. Old pension only suraksha ha. Nps and ups jumla scheme ha. Sirf corporate kamatha ha employees annuity plan se. Sirf OLD pension only old age ka suraksha ha. Ops only best.
Ups me lmsm pesa kuch bi nhi milega
महोदय अगर मैं पूरी ईमानदारीके साथ अपनी उम्र के 60 साल तक ups me 10%+10% जमा किया और मैं 61 साल की उम्र में मर गया तो मेरे परिवार को 60% पेंशन क्यों जाएगी
जबकि मैंने 60 साल तक की उम्र तक पूरी ईमानदारी के साथ अपना 10% योगदान दिया है
Yahi to problem hai. OPS mein bhi yahi dikkat thi lekin OPS mein employee ki contribution nahi dikhayi jaati thi. Aapka sawal bilkul sahi hai.
Baith kar calculation achhe se kariye agar 60 sal service kar diye na toh NPS best h aur agar 60 se pahle VRS lete h toh OPS ..
60 year ki service tak NPS me itna corpus ho jayega na ki ap ops ke pension lekar v utna nhi nikal payenge qki apko v pata h 60 ke bad jivan kitna sal bachne wala h .. calculation kariye achhe se sab samjh ayega ..
Aur sir ap jo ye UPS ko support kar rahe h na Puri jankari jab ho jayegi UPS me bare me na apko toh NPS ke liye fir mauka nahi rahega wapas aane ka
@@Funshort-y7t Video poora dekho pehle
@@Funshort-y7t Video poora dekho
Jab information complete nahin hai to half information ke sath video kyu banate hoo.
Sab ka time waste.
No nos no ups only ops baki sab jhomla hai
Only ops
Ops
Ups bahut ghatiya sceem hai
UPS NPS next video jaroor banayiye sir
Kya cover karun next video mein!
Governments employees loots taxpayer money and don't do their job properly now they will loot even after service. This is bad.
I have seen governments teacher who are retired and get big pension, their sons don't do any job, they are just enjoying their parents pension
#BringBackOps
Respect Sir,
Girls Carat Instructor (GCI) helps us with detailed videos on how to invest in NPS/UPS.
GCI made a detailed video on how to choose a fund manager in Tier 1 and Tier 2 within NPS.
😒😒😒😒😒😒The biggest problem we girls face is due to lack of knowledge, hence you made a video on this.😒😒😒😒😒😒😒😒
Only ops
Only ops