There is actually no comparison between OPS and NPS. Govt saw huge drainage of money for pension purpose which is why this NPS. But NPS is not enough to survive. Hence alternative earning source must be arranged. OPS beneficiaries can sleep comfortably. Their pension increases with time passing by and they partially get benefits of pay revision too
@@drhemalmodi9026 Old pension system started in the year 1977 when average life expectancy of Indians were just 52 years but today,it is 70 years. Due to various Govt care for Govt employees,life expectancy of a Govt employees are much higher than average Indians which is near about 75 years of age. Many ex Govt employees are enjoying 90 years and 95 years special hike of pension. Special hike of pension starts from 80 years of age. Apart from spouse who is eligible for family pension, even unmarried daughter or divorced daughter of Govt employees are eligible for family pension facility. All together,it is a huge burden but as because pension facility after retirement is a pact between Govt employees and Govt at the time of joining in the Govt department,, Govt can do nothing or break this pact unilaterally.
@@partha9752 right..but it should b ballanced in such a way that both categories can gain benefits equally. Amount to be paid in ops should be reduced but the old scheme should not be terminated in sucha a way.or if they feel nps to be better they should make it more attractive by attributing more contribution so both categories can feel equaly satisfied.
@@drhemalmodi9026 but before joining the Govt service,terms and conditions are clearly laid down. So Govt neither can reduce facilities on OPS nor it can increase NPS facilities. What Govt can do is it's taxation policy on NPS which is revised on yearly basis. Same can be followed for OPS beneficiaries too.
Well explained .....gov.contribution is 14% not 10 ...nd as per the matter discussed with Nps staff ... after completion of 20yrs the individual has to b purchased the annuity of 60% of Corpus ....means the guy will get 24 lacks in hand remaining will go for pension as per your chart .....thnx
Is video k according nps system bhot sahi hai sarkar ne 14% contribution kr diya hai iske baad total value 60 se bdhke 73 lakh tk ho jayegi ..aur is sab Me jo annual return milega vo add nhi kiya vo krne pr ye value 90 lakh k near ho jayegi . ..aur jo hme in hand pesa milne wala hai vo lghbhg double hoga ops k compare me pension jyada chahiye to 30 lakh leke 60 lakh ki annuity krwalo pension 40k k mil jayegi
NPS main 40 % annuity plan main rkhna pad raha h... aapko in hand nahi mila.. milta h to 9% interest... ye to galat hi h na.. 24 lacs Hawa main h.. 😂 agar bimari ho ya business karna ho to 9% interest se nahi hoga na. Meri marzi main Gulam Kyun banu.
सर धन्यवाद आपने बहुत अच्छा समझाया सर मैं यह जानना चाह रहा था नई पेंशन स्कीम जब रिटायरमेंट होते हैं तो गवर्नमेंट टैक्स भी लेती है वह टेक्स्ट किस पर लगता है और कितना लगता है किसका
Sir, NPS contribution is calculated on the basis of Basic plus Da, but pf contribution is calculated on only basic pay. So how you calculated 10% deduction of pf on Da plus badic in ops. The effect of this in ops at retirement very less amount received as pf as compared your value of Rs.30.00 lac. and rate of int. On pf is not 10% . Pls be practical.
I m a CG employee in level 4 and after completion of 10 years service in Dec 2021 my nps total fund just 6L. I don't know how are you calculating NPS with the interest of 10% which as NPS also give negative interest rate also depend on market condition.
As per video, my contribution is more than that show in video and from 2016 to 2021 since my contribution is more than 2000 pay grade my Balance should have been more.
Old Pension should be revived by current Central Govt. Govt should give back OPS if it really cares about its citizen. It is bitter truth that NPS will never be a good option for financially freedom and security of employees and that also known by Govt. Why Govt is still enforcing the OPS to Defence employees If NPS is really good option ?
Only 6 percent population in govt service but they get alloted 70 percent of budget amount for their salary and pension....in long term already govt is having a lot of debts....no govt will forsake 94 percent of the tax payers for the sake of 6 percent
defence people are putting their life at stake that's why they are getting this ops. You sit safely in your office doing no work and have best job security and want ops, you are really selfish. Why should taxes paid by me used for pension of you when even my hospital bills are not covered like yous.Govenment care about it's citizen so will not include ops as it drains the rsources
Loot lo government ko,Sankari damad bnke.....baki development budget jaye tel lene....Jis bhi state mein OPS hai,vo debt mein fanse hue hain...Bengal ho ya Rajasthan, Andhra ho ya punjab ...politicians ko power mein aane se mtlb ,development for non government public jaye tel lene......ledeke sb loot k central government k mathee madh denge..bna k states ko srilanka.....
Sir take 60 lakhs of entire corpus in annuity with factoring annuity rate of 9% .This will make the pension as Rs.45000.Since one can annuitise 100% of the retirement corpus as 60% and 40% are extreme choices.Another thing you missed out in case of NPS one can avail return of purchase price unlike in OPS.
@@LearnWithRevant Thats actually advantages of nps by giving 60% as lumpsump. Plus what if pension holder dies spouse wl get 50% and if both dies than nothing to offspring. In case of nps u get everything
Remember u r contributing 10% of your salary to NPS... make that 10% contribution in any SIP of Mutual fund and add it to OPS benefits....u will find OPS much better.... 2nd thing since the comparison is of 20yrs, NPS is showing such growth...but for those who have less service period gets merely 2000-3000 per month of pension...is that enough for a man during his retirement.....
सर मेरे पापा आर्मी से रिटायर है और अब को राजस्थान पुलिस में लग गए है उनकी उम्र 43 वर्ष है आज राजस्थान सरकार ने घोषणा करी कि अब राज्य कर्मचारी को पुरानी पेंशन मिलेगी मेरे पापा 20 वर्ष की सर्विस से पहले रिटायर हो जायेगे, तो मेरे पापा को पेंशन मिलेगी क्या
Don't you think we should have common pension scheme for everyone irrespective of whether they are doing govt or private job ? How about farmers and daily wage labourers. Everybody needs social security. Everybody pays same amount of taxes. Why to spend our tax money on only paying pension of govt employees ?
@@dhananjaibareth4837 because MLA,MP doesn't care about country future ,education ,healthcare,their children studying in foreign ,they take health facility in foreign , but we care about country future ,India haven't any world class infrastructure, healthcare, education, and why only government employee need pension not private sector employee ,India is most corrupt country because of government employee ,who want to teach his student in government school, not government teacher itself,
Sir You calculate pension in ops appox 42000 and in NPS 19000 Difference between OPS AND NPS IS 42000-19000=(APPROX)23000 PER MONTH MEANS IN OPS 23000/-PER MONTH HIGHER THAN FROM NPS AND 23000×12=276000 PER YEAR NOW अगर 61 year ki age me OPS employee ki death ho jati hai to use 276000 hi jyada milenge Aur nps employee ki death agar 61 ki age me hoti hai to unke nominee ko remain part which was 24 lac milenge
Few corrections: 1) Employers contribution is 14% not 10%. 2) Why only 20 years working? Consider 30 years for realistic results. 3) PPF has lower interest rate than NPS, you didn't consider that.( Even 1% can have huge effect over 30 years). For better comparison consider only 30L as lump-sum in both cases and rest all in annuity. Apply these changes and you will find NPS better. Thanks.
1) अनुकंपा आधार पर नियुक्ति एंप्लाइज को कोन सी पेंशन मिलती हैं,,,? 2 ) मृत्यु सरकारी कर्मचारी 2004 से पहले नौकरी में लगे हैं, तो उनके परिवार के आश्रितों अनुकंपा आधार नियुक्ति मिलने के बाद कोन सी पेंशन मिलना चाहिए..? इसपर आपकी क्या राय है।
Bhai nps me government ka aur employee ka contribution 10+14%hai. aur jo 20 sal me contribution hoga uspar shear market ka minimum 10 % return/year bhi hai.
very well explained sir. I was not able to understand the difference clearly but your amazing way of explaining has made me get the point clear. thank you sir
Vai ek information dena jaruri tha, NPS me 40% paisa diya jata hai, or 20% paisa govt. Ko tax dekar lena parta hay। To kulmilake NPS employee 24 lack + (12 lack - tax %) hoga। Baki ka video baria raha, 👍👍
In NPS after retirement of 20years only 20% withdrawal amount remaining 80% Govt will pay as annuity after 60 years it will reduce to 40% , 60%-40% ratio at the time of 60 years of retirement..Plz correct in the video, give ri8 information 🙏
U r right Sir. Only 20% withdrawal amount as lumpsum on retirement after 20 years and not 60% as explained in this video. Try to give the right info...
नई पेंशन योजना हमारे सभी कर्मचारी भाई-बहनों को अन्यायकारी है। साथ ही साथ सरकार के योगदान राशी पर अगर income tax लग जाये तो, क्या पेंशन समाधानकारक हो सकती है? NPS better or OPS it's a question?
Contribution in National Pension Scheme (NPS) Govt. employees make a monthly contribution at the rate of 10% of their salary and a matching contribution is paid by the Govt.. For central Govt. employees, the employer’s contribution rate has been enhanced to 14% w.e.f. 01.04.2019.
all are calculating OPS on 7th pay commission which was realigned as per NPS calculations. I am sure without NPS, Government had never approved 7th pay, people are comparing OPS with NPS in 2022 where basis pay has been increased significantly. people must understand that NPS/OPS are also linked with pay commission directly or indirectly.
OPS me minimum 20 years service required for pension.and nps me annual return is btw 12 to 15% and after 10 year pay commission is also there which increases the basic pay hence nps amount is also increased.and one can easily earn 15 to 20% annual return from mutual funds every year.
हमारे युनियन के नेता ओओ समझ में नहीं आया, अब कुछ नहीं हो सकता 1 अप्रैल 2004 के बाद की भर्ती कर्मचारियों के लिए, n ps है, कर्मचारियों को कमजोर करने की नीति है.
Galti se bhi NPS ke topic matt uthawo NPS pura faltu..state police main 10 sal service main 500000 hua hai to hisab aprosmant kittna hoga sochiye 30 sal main...bhikari jese hamm hain
Sir hamrari family penshion 2011 me lagni thi but kisi karan varsh nahi lag paye .to kya hame 10 sallo ka arrear milega or kya jab penshion lagege us ke sath hi mulega arrear ya kuch month bad .please reply sir🙏
I am sorry bro , I am going a little bit political but Ops was scrapped during the time 2004 of Lt Shri Atal Bihari Vajpayee ji . No one except government employees notice it because today ho one is interested how the employee feel or not bas blind followers h har jagah . Even the so called Opposition didn't do anything after 2004. No media covers this because sabko lagta h ki ye sarkari aadami h rishwat lega pension ka kya karega .
Ab bolte ho OPS chahiye phir bolte ho mera beta berozgaar hai kaise chalega sir.. Tumhara OPS se achha hai tumhara beta ko naukri mil jaye ussi paiso se.
Even after investing in NPS, If they are not able to generate half of their last drawn salary as a pension. Than, how do you think government can afford to pay you pension using OPS system? that too without any deductions in salary or any sort of investment. Working in private sector, I am not an idiot to pay Tax so that government can distribute it as pension to government employee.
Bhai saab 20 year me only 20% cash milega or 80% annuty leni hogi Aaj aanuaty rate 5_6% hai Me bsf me 2006 se hu 16 year running chal rahi service meri abhi 15 lakh nahi hua to 5 year me 6 lakh ho jayega total 21_22 lakh ho jayega 20 year me Iska 20%cash milega 4.5lakh man lijeye Pension max 10000 hogi Total bakwas hai nps
