💸DEMAT Account: link.lla.in/Demat Open NPS a/c: labourlawadvisor.in/nps/ 📚Payroll, Excel & Labour Law Courses for career growth: lpt.institute/courses/ Term & Health insurance: link.lla.in/Term-insurance
Another useful video comparing NPS, EPF & EPS with every possible details. Hats-off for the tremendous effort to explain the finer details of all the three schemes in layman's terms. God bless you.
Thanks Mandeep! I've become a fan of this channel. Such good series of videos you and Rishabh are making! One request, could you also adjust the returns for inflation? And please make a video on Annuity as well.
सभी कर्मचारियों से अनुरोध है कि वो अपने मतदान का प्रयोग जरूर करे।100% मतदान होना चाहये।अधिकतर कर्मचारिय आलस कर जाते हैं।ये गलत है कर्मचारियों का वोट बैलेट से होता हैं और मतगणना मैं सबसे पहले आप के वोट की गिनती की जाती हैं।आप वोट नही करोगे तो आप की कोई सुनेगा भी नही।आप किसी भी पार्टी को वोट दो ।लेकिन वोट जरूर दे।जय हिंद।
There r so many workers who even don't know anything about investment or about mutual fund or NPS. They r just aware that they will be getting pension. So specially for them and to educate them plz make one simple video. Thanks
Very informative video..n yes ofcourse aap video ke liye kitni mehnat karte he vo dikhta hai..good job..keep it up..only 1 request or suggestion ..can u go lil bit slow..plz dont mind .. thank you
Old was a great tool when we had no option to investment in Markets In current context, it’s more of politics as it’s a loss making proposition both for govt and employee.
New one is better , it invests primarily in to equity and debt so in case if the next three decades markets keep rising roads are kept being built gov keeps investing in infrastructure then definitely nps will give much much more than the old pension scheme
You are empowering thousands of people like me who are new to this corporate world. Great work Sir❤️. Massive respect. You will get to millions of subscribers 🔥 I have a small doubt, it'd be great help If I could get the answer. "Can I have accounts in both the schemes, since I totally liked the NPS abd I want to have itbut my company is contributing only in EPF so I cannot stop that ??"
Thank Mandeep! One more i would like to request, just in case if at all you're making NPS annuity video next, Can you add details of portability EPF funds to NPS, criteria, eligibility, limit and T&C of portability.
Brother you are doing really a great work and efforts for us. I have a request, please make a detailed video for Postal Life Insurance ( PLI & RPLI) it will be very beneficiary for Small investors and villagers 😇😇
Hey LLA, 1. I aleady have EPF by default opened by employer 2. NPS planning to start 3. PPF opened Is it okay to have all 3 safest modes, and there will be no issue having all 3 at retirement?
If i am investing in NPS account and my employer investing in EPS account. After 60 years, what we happen for my pension? Is this means am eligible for both pension schemes?
Can you please create a video on Superannuation fund and it's provisions. We are contributing 15% to this fund from last 24 years and the fund is managed by LIC for our company. Initially it was tax free contribution, But from last several years (I don't remember exactly how many years) company is deducting tax on it. They gave us the alternate option to get this amount as personal allowed in monthly salary which is again tax deductible.
According to my knowledge the pension in eps can reach more tha 20k per month if the employee has served 10+2 years of eps and depositing an additional amount varies between 7-10lakh can give a monthly pension of 20k+ and half of that to the widow. For lifetime
Eps: contribute rs.1250 per month, get lifetime rs.7500/- per month. It will also adjust with inflation slowly. NPS: bare market linked uncertain product. Get back your own saved stuffs. annuity i.e. retirement time nps earn 5% to be on safer side.
I have asked question many time. Waiting for revert. I m already on investing in PPF and mutual funds. I can only afford 2000 per month more investment. Should I start NPS or add mutual fund ?
Bro 10:02 pe galti krdi aapne.... 5 years + 4 years + 6 years ka job duration bta diya instead of 6 months. Total as the form in video shows should be 9 years 6 months right?
so excessive contribution to EPF (VPF) is not better than NPS? From what I understand is, maximum investment to any of these investment options should only be the amount on which we get tax exemption... And that usually is enough to secure the future. Although we can contribute more, but it wouldn't give tax exemption on amount more than the exempt limit. I suggest in that case, to invest more in different mutual funds and in little amounts, for diversification.
Sir ji bahut mehnat kr k deep information di h, bahut bahut DHANYAWAD Railway me Nps scheme h, but Union wale OLD PENSION SCHEME ki dimand kr rhe h, which one is better, job ko 4-5 year huye h *NPS V/s OPS*
Bohot accha, clean n useful th video..tq so much... Could please provide video on - 'how to withdraw money from EPS' Maine job se resign kiya tha n now notice period bhi over ho chuka hai...filhaal job nhi hai so muze EPS withdraw karna hai..please help on this... AWAITING YOUR REPLY!!!!!!!!!
Hello team thanks for such Jagruk Gyan :) ... Can you pls make a easy to understand video on NPS charges ... I have started investing in NPS for additional 50K deduction under new tax regime ... But now they are deduction my units :(
Take this information with a grain of salt. Most of the calculations here assume that your gross monthly salary is 15k salary per month or lower (though he has mentioned it each time) and the calculations, rates of returns change drastically when your monthly salary is well above 15k per month.
Oh Dear Believe me I have never seen a video with so much clarity. You guys do lot of efforts to create this type of videos, I can literally see hard work here. Now I’m deciding to see all ur videos to gain more knowledge and I will recommend my friends to 😊 Keep up the good work god bless you.
Dear sir Mere pas PF no. Hai Company details hai par UAN no. Nahi hai Mai 2005 me resigned diya tha us samay aadhar card and pan card nahi tha , mera joining Election card se huaa tha help me sir how to generate UAN no.
Thanks for providing this useful video. My question is after opening account in NPS, how to give my contribution monthly? Is it auto debit from our bank..?
HELLO LLA, Can discontinue my running EPS? and can I convert my Rs.1250 of EPS into EPF from onward. It's the 6th year of my new EPF account(as on April 2021)
In EPF(not EPS) the 8.5% interest is compounded? I used NPS and EPF calculators and found the corpus of EPF to be much higher. I am wondering whether it is even right to compare EPF with NPS. Should we not just compare EPS with NPS? Please correct me if I misunderstood.
Yes, 8.5 is compounded but then what is the guarantee of 8.5%. Over the past years, the returns of EPF have been on gradual decline and this year the PF office was wondering how will they pay 8.5% returns. For NPS, again its all speculation. Although the returns can be more than EPF (check video on my channel which has done comparison of both). NPS gives you more power and control over your money whereas EPF is if you are happy with whatever you are getting and are not looking for wealth creation.
Can we open both ppf and nps account? Is it beneficial to invest in nps at the age of 53 or 58? And if I invest at this age then what would be my lockin period and when can I withdraw the amount? I asked this on behalf of my parents therefore it would be nice of you if you could clear my doubts. Thanks in advance Your videos are very informative n useful. 👍
I have one doubt and i couldn't find its answer . I am contributing to EPF (epf and eps) . Now i don't want my employer to contribute to eps and i want to contribute to epf only , what shall i do and please let me know if it is possible or not ?
Sir, my last company open my epf account but present company give NPS contribution , So will there be any problem in opening NPS account? Or there is no relationship between EPF UAN No. & NPS PRAN No. ?
Labour law advisor Please tell me I am paying monthly 1250 for eps for which I won't get anything except pension at the age of 60 and that too 7500 But if I invest same 1250 in NPS I will get more pension. Should I stop eps from being deducted instead that money go fully in epf?
Investing in NPS gives you full control over your money whereas investing in EPS leaves you at mercy of the small pension!!! I have posted a video showing what is the potential of getting returns on NPS as compared to PF.
💸DEMAT Account: link.lla.in/Demat
Open NPS a/c: labourlawadvisor.in/nps/
📚Payroll, Excel & Labour Law Courses for career growth: lpt.institute/courses/
Term & Health insurance: link.lla.in/Term-insurance
Can we invest in both NPS and Atal Pension?
Sir but Meri company employe or employeer ka part Dono humari Salry say kaat ti hai to hum kya kr sakte hai
@@rahulaggarwal9477 yes
@@ShivamNigam1106 kuch nai..
Its your money and you can get it anytime as per PF guidelines..
Agar ko aadmi NPS le Chuka h aur 65age main mr jaata h to bacha 40% Paise ka kya hoga
Another useful video comparing NPS, EPF & EPS with every possible details. Hats-off for the tremendous effort to explain the finer details of all the three schemes in layman's terms. God bless you.
Very informative video...plus the background video is perfect for good attention grabbing and does not even distort your voice....keep it up👍
Thanks Mandeep! I've become a fan of this channel. Such good series of videos you and Rishabh are making! One request, could you also adjust the returns for inflation? And please make a video on Annuity as well.
Thanks AG
I really encourage after investing 500 in share market and learn in depth also.
Mandeep sir, aapka videos best hai on RUclips. Thanks for educating.
Yes make a detailed sub topics analysis of Annuity process/schemes....
yes
सभी कर्मचारियों से अनुरोध है कि वो अपने मतदान का प्रयोग जरूर करे।100% मतदान होना चाहये।अधिकतर कर्मचारिय आलस कर जाते हैं।ये गलत है कर्मचारियों का वोट बैलेट से होता हैं और मतगणना मैं सबसे पहले आप के वोट की गिनती की जाती हैं।आप वोट नही करोगे तो आप की कोई सुनेगा भी नही।आप किसी भी पार्टी को वोट दो ।लेकिन वोट जरूर दे।जय हिंद।
I have seen all theer video.. thank you for this valuable information. I want annuity plan video also please make for us.
Yes Mandeep make a video of annuity....
Ap please jarur banaye annuity video
Thanks for very clean information
And may people understand thanks
There r so many workers who even don't know anything about investment or about mutual fund or NPS. They r just aware that they will be getting pension. So specially for them and to educate them plz make one simple video. Thanks
Very informative video..n yes ofcourse aap video ke liye kitni mehnat karte he vo dikhta hai..good job..keep it up..only 1 request or suggestion ..can u go lil bit slow..plz dont mind .. thank you
Hi labour law love your all video you guys doing a great work apki video bahut hi simple hoti hai aur easy to understand bhi
Employer apane pocket se nahi dalta hai EPF me wo employee ke package se hi cut karke dalta hai but its hidden ... employee pay double EPF
Bro compare between old pension scheme and new pension scheme
kyun mazak kar rahe ho. Old is efinitely better
Old pension schemes me 100% was pension fund. But now only 40% is pension fund.
Old was a great tool when we had no option to investment in Markets
In current context, it’s more of politics as it’s a loss making proposition both for govt and employee.
@@devashishsoni9284 no u can even use 90% in pension fund its up to your annuity plan
New one is better , it invests primarily in to equity and debt so in case if the next three decades markets keep rising roads are kept being built gov keeps investing in infrastructure then definitely nps will give much much more than the old pension scheme
I don't know but i fcking love the intro music.. Puts me in some kind of hypnotised state for a moment..🥲
Great Video. If the last report for eg stating NPS is 3x more than EPF if shown visually in a tabular form, it would be great! Thanks
What a video bro, big fan of yours.
Wish you many more happy returns of the day..
Very detailed video Mandeep. Thanks 👍
Kindly make comparison between OPS and NPS for central Government employees....
As I think NPS is worst for them.
OPS is always better than Nps
You are empowering thousands of people like me who are new to this corporate world. Great work Sir❤️. Massive respect. You will get to millions of subscribers 🔥 I have a small doubt, it'd be great help If I could get the answer. "Can I have accounts in both the schemes, since I totally liked the NPS abd I want to have itbut my company is contributing only in EPF so I cannot stop that ??"
Like to Banta Hai Bhai ke liye....✌️
Thank Mandeep! One more i would like to request, just in case if at all you're making NPS annuity video next, Can you add details of portability EPF funds to NPS, criteria, eligibility, limit and T&C of portability.
Sir, thank you so much for explaining the comparison in details. It would be helpful if you could make a video on Annuity schemes.
Brother you are doing really a great work and efforts for us.
I have a request, please make a detailed video for Postal Life Insurance ( PLI & RPLI)
it will be very beneficiary for Small investors and villagers 😇😇
Nice explained
I request you pls do one video about nps and old pension scheme comparison sir
Great. Very informative. Thanks
i have watched whole video in normal speed..so much to acknowledge
You people are really making great vedios
as always nice presentation and very informative video 👍
Hey LLA,
1. I aleady have EPF by default opened by employer
2. NPS planning to start
3. PPF opened
Is it okay to have all 3 safest modes, and there will be no issue having all 3 at retirement?
Same question from my side! Need your response LLA!
Amazing video...very knowledgeable
If i am investing in NPS account and my employer investing in EPS account. After 60 years, what we happen for my pension? Is this means am eligible for both pension schemes?
Sir pls make a video on comparison between OPS and NPS from the perspective of Central Government Employees
Can you please create a video on Superannuation fund and it's provisions. We are contributing 15% to this fund from last 24 years and the fund is managed by LIC for our company. Initially it was tax free contribution, But from last several years (I don't remember exactly how many years) company is deducting tax on it. They gave us the alternate option to get this amount as personal allowed in monthly salary which is again tax deductible.
Very good video sir. Thanks
Nice video...please make video on annuity
Please make a video on Annuity and comparison between old pension scheme and NPS.
Great video , is it possible to make a detailed dedicated video on EPF . Thank you
Hello Bro aapki video achhi hai but aap bahut fast batate ho thoda slow ho jaayo understanding achhi hoti hai isse
Dear Mandeep, please prepare a video on how to convert your epf to nps on 2022.
Very well explained...my 80c is all complete .so started with nps...but what if i opt for high pension scheme 2023?
According to my knowledge the pension in eps can reach more tha 20k per month if the employee has served 10+2 years of eps and depositing an additional amount varies between 7-10lakh can give a monthly pension of 20k+ and half of that to the widow. For lifetime
Sir, please NPS ki annuity par ek detailed video banaiye Please🙏🙏🙏
Really Great Bro
Good and mind blowing body language.
Bahot badhiya
Yes , please provide video on annuity
Eps: contribute rs.1250 per month, get lifetime rs.7500/- per month. It will also adjust with inflation slowly.
NPS: bare market linked uncertain product. Get back your own saved stuffs. annuity i.e. retirement time nps earn 5% to be on safer side.
I am a West Bengal Govt employee, I have the facility of Old Pension Scheme . Now my question is : Can I also enter NPS with the facility of OPS ?
No. Not in Tire 1 A/c.
I have asked question many time. Waiting for revert. I m already on investing in PPF and mutual funds. I can only afford 2000 per month more investment. Should I start NPS or add mutual fund ?
NPS
Equity Mutual Fund
For private companies, it is all done by employee. Though technically, it is shown otherwise.
there is one more ypy you can claim all ypy epf and nps . Happy investing
Thanks for ur valuable video.
Kindly make a detail video on SIP
Very nice informative video
VPF ke bare me bhi video banao Bhai .. thanks in advance
Bro 10:02 pe galti krdi aapne.... 5 years + 4 years + 6 years ka job duration bta diya instead of 6 months. Total as the form in video shows should be 9 years 6 months right?
so excessive contribution to EPF (VPF) is not better than NPS? From what I understand is, maximum investment to any of these investment options should only be the amount on which we get tax exemption... And that usually is enough to secure the future. Although we can contribute more, but it wouldn't give tax exemption on amount more than the exempt limit. I suggest in that case, to invest more in different mutual funds and in little amounts, for diversification.
Sir ji bahut mehnat kr k deep information di h, bahut bahut DHANYAWAD
Railway me Nps scheme h, but Union wale OLD PENSION SCHEME ki dimand kr rhe h, which one is better, job ko 4-5 year huye h
*NPS V/s OPS*
Will plan a video soon, thanks :)
Definitely OPS
Bohot accha, clean n useful th video..tq so much...
Could please provide video on - 'how to withdraw money from EPS'
Maine job se resign kiya tha n now notice period bhi over ho chuka hai...filhaal job nhi hai so muze EPS withdraw karna hai..please help on this...
AWAITING YOUR REPLY!!!!!!!!!
Simply apply due to covid reason for quick withdrawal
Thank you guys
Sir, EPF and NPS dono ek saath le sakte hai kya..??
Satyawan-Malik
सर दिल्ली में बुढ़ापा पेंशन कैसे चेक करें प्लीज एक वीडियो जरूर बनाएं और नीचे वह लिंक भी दे धन्यवाद
Sir i am in sbi
And my employer sbi is adding same as my amount
Same 12 % sbi is adding in my epf
U r saying emploer adds only 3.67 %
Appreciable video
Hello team thanks for such Jagruk Gyan :) ... Can you pls make a easy to understand video on NPS charges ... I have started investing in NPS for additional 50K deduction under new tax regime ... But now they are deduction my units :(
Phew!! that was super fast!
👍👌 good job
Thanks
Your videos helping us a lot bro.❣️🫂
Take this information with a grain of salt.
Most of the calculations here assume that your gross monthly salary is 15k salary per month or lower (though he has mentioned it each time) and the calculations, rates of returns change drastically when your monthly salary is well above 15k per month.
Thanks very much for the info...Can you also upload a PPF Calculator? Thanks again.
Nice explanation
good video
Oh Dear
Believe me I have never seen a video with so much clarity.
You guys do lot of efforts to create this type of videos, I can literally see hard work here.
Now I’m deciding to see all ur videos to gain more knowledge and I will recommend my friends to 😊
Keep up the good work god bless you.
Dear sir
Mere pas PF no. Hai
Company details hai par UAN no. Nahi hai Mai 2005 me resigned diya tha us samay aadhar card and pan card nahi tha , mera joining Election card se huaa tha help me sir how to generate UAN no.
Pls share on annuity.....thanks
Thanks for providing this useful video. My question is after opening account in NPS, how to give my contribution monthly? Is it auto debit from our bank..?
Plz make video on EPS 95 & NPS
Hello sir kya ek employee NPS or EPS dono account open kra sakte hai plz reply
Thanks alot lla 👌👍🙏
HELLO LLA,
Can discontinue my running EPS? and can I convert my Rs.1250 of EPS into EPF from onward. It's the 6th year of my new EPF account(as on April 2021)
yeah same question. video says that EPS is for salary < 15000 but organizations are deducting EPS even if the salary is > 15K. not sure why
In EPF(not EPS) the 8.5% interest is compounded? I used NPS and EPF calculators and found the corpus of EPF to be much higher. I am wondering whether it is even right to compare EPF with NPS. Should we not just compare EPS with NPS? Please correct me if I misunderstood.
Yes, 8.5 is compounded but then what is the guarantee of 8.5%. Over the past years, the returns of EPF have been on gradual decline and this year the PF office was wondering how will they pay 8.5% returns. For NPS, again its all speculation. Although the returns can be more than EPF (check video on my channel which has done comparison of both). NPS gives you more power and control over your money whereas EPF is if you are happy with whatever you are getting and are not looking for wealth creation.
Lovely information very helpful.
Thanks Raj
@@LabourLawAdvisor is central govt emplouyme have more benefits fir nps
Best video.
I have EPF ACCOUNT AND मेने NPS का ACCOUNT भी OPEN कर लिया तो कोई दिक्कत तो नहीं होंगी??????
Can we open both ppf and nps account? Is it beneficial to invest in nps at the age of 53 or 58? And if I invest at this age then what would be my lockin period and when can I withdraw the amount?
I asked this on behalf of my parents therefore it would be nice of you if you could clear my doubts.
Thanks in advance
Your videos are very informative n useful. 👍
In EPS vs NPS video, why did you mix & confuse with EPF and other components?
troubled by so many terms
Can I ask my employer to not to pay any contribution in EPS and put all contribution only into EPF account?
Employer contribution in epf/eps is 8.33/3.67. Not the other way around. Pls correct that in presentation
I have one doubt and i couldn't find its answer . I am contributing to EPF (epf and eps) . Now i don't want my employer to contribute to eps and i want to contribute to epf only , what shall i do and please let me know if it is possible or not ?
Invoice discounting per short term ke liye investment sahi hai please is per bhi vedio banane 🙏
Bahut sahi
Sir, my last company open my epf account but present company give NPS contribution , So will there be any problem in opening NPS account?
Or there is no relationship between EPF UAN No. & NPS PRAN No. ?
Mandeep, Please make the Video on Annuity
You haven't considered new apex court ruling for pension calculation on EFP.
That's only for old cases
Labour law advisor
Please tell me I am paying monthly 1250 for eps for which I won't get anything except pension at the age of 60 and that too 7500
But if I invest same 1250 in NPS I will get more pension.
Should I stop eps from being deducted instead that money go fully in epf?
Investing in NPS gives you full control over your money whereas investing in EPS leaves you at mercy of the small pension!!! I have posted a video showing what is the potential of getting returns on NPS as compared to PF.
My employer not contributing the equal amount in EPF account what is the reason behind this ?
Or is this okay ?
Bhai Tata Aia term plan le liya...
Thank u for guide as....🙏🙏🙏🙏