UPS vs NPS vs OPS: आपके लिए दोनों में से कौन सी स्कीम अच्छी? जानिए अंतर| GoodReturns
सरकारी कर्मचारियों के पेंशन को लेकर कैबिनेट ने यूनिफाइड पेंशन स्कीम (UPS) को मंजूरी दे दी है. यह NDA गवर्नमेंट की एक नई योजना हैं, जिसे नेशनल पेंशन स्कीम (NPS) के समांतर पेश किया गया है. अब सरकारी कर्मचारियों के लिए NPS और UPS चुनने का विकल्प होगा.
#UPS #UPSpensionscheme #UPSvsNPS #NPS #unifiedpensionscheme #pensionscheme #newpensionscheme
~PR.147~ED.148~GR.121~HT.96~
#UPS #UPSpensionscheme #UPSvsNPS #NPS #unifiedpensionscheme #pensionscheme #newpensionscheme
~PR.147~ED.148~GR.121~HT.96~
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NewsTranscript
00:00The Central Cabinet, headed by Prime Minister Narendra Modi, took a major decision on Saturday.
00:12The Cabinet has approved the Unified Pension Scheme, or UPS, for government employees' pensions.
00:18This is a new scheme by the Indian government, which is presented similarly to the National Pension Scheme, or NPS.
00:25Now, government employees will have the option to choose between NPS and UPS.
00:29In many states of the country, the old pension scheme, or OPS, is also in operation.
00:34In such a situation, most people are not aware of the difference between OPS, NPS, and UPS.
00:40So, if you are also getting confused in these three schemes, and want to know which pension scheme is best for you,
00:47then let's answer all your questions in this video.
00:51First, let's understand what the Unified Pension Scheme, or UPS, is.
00:55This new scheme for government employees will be in effect from April 1, 2025.
01:01Under UPS, employees will be given a fixed pension, which will be 50% of their average basic salary for the last 12 months.
01:10Employees will have to serve for at least 25 years to get this pension.
01:14If an employee dies while working, then the family will also be given a fixed pension,
01:21which will be 60% of the pension that the employee will receive.
01:24Apart from this, a minimum assured pension will also be given,
01:27which means that those who work for 10 years will be given a pension of at least Rs 10,000.
01:33Apart from this, indexation will also be added under the Unified Pension Scheme.
01:37This means that according to inflation, the pension of retired employees will continue to increase.
01:42And this will be added to the pension as a Dearness Allowance.
01:47This will be calculated on the basis of the All India Consumer Price Index for Industrial Workers.
01:51At the same time, a fixed amount will also be given for retirement.
01:54This calculation will be done as a tenth of the basic salary and inflation of the employees every 6 months.
02:02And this will be different from the gratuity.
02:05Now let's understand what is the difference between UPS, NPS and OPS.
02:09First, under UPS, the employees of the central government will be given benefits.
02:13Under NPS, both private and government employees can open accounts,
02:18while OPS is only for government employees.
02:22In OPS, there is no deduction from the salary for the pension,
02:25while in NPS, the deduction is 10% from the salary, which includes basic plus DA.
02:31While in UPS, the same amount will be deducted, but 18.5% contribution will be made by the government.
02:37The next point is that in OPS, there is a facility of GPF, i.e. Government Provident Fund.
02:42While this is not available in NPS,
02:43while in UPS, one percentage will be given after retirement.
02:47Apart from this, there is a link scheme from NPS Share Bazaar,
02:50in which 60% amount at the time of retirement is given as an annuity.
02:59While UPS and OPS is a secure scheme.
03:02While in UPS, a fixed pension will be given under retirement,
03:06which will be 50% of the average basic pay for 12 months.
03:09In OPS, a fixed pension will also be given at the time of retirement,
03:12which will be 50% of the last basic salary.
03:15While in NPS, there is no guarantee of assured pension at the time of retirement.
03:20Apart from this, in OPS, the DNS allowance is applicable after 6 months.
03:26While in NPS, the DNS allowance is not applicable after 6 months,
03:30while in UPS, the DNS allowance will be given according to inflation.
03:34Apart from this, in UPS, one percentage will be given at the time of retirement,
03:38while in OPS, one percentage will be given at the time of retirement.
03:42While in NPS, there is no guarantee of assured pension at the time of retirement.
03:46In UPS, a family pension will be given at the time of death of the employee.
03:50While in OPS, there is a guarantee of family pension at the time of death during service.
03:53While in NPS, there is a guarantee of family pension at the time of death during service.
03:58But the government accepts the amount deposited under NPS.
04:01It is not yet clear whether there will be a tax on interest in UPS.
04:05While in OPS, there is no income tax on the interest of GPF on retirement.
04:10While in NPS, the money received on the basis of retire per share market will have to be taxed on it.
04:16In OPS, there is no investment of any kind to get a pension at the time of retirement.
04:21While in NPS, 40% of the money from the NPS fund has to be invested to get a pension at the time of retirement.
04:28And in the same way, there is no guarantee of investment in UPS.
04:32Neither in OPS nor in UPS.
04:34But in NPS, you have to invest 40% of the money for pension at the time of retirement.
04:40Apart from this, there is a guarantee of pension of at least Rs 10,000 on the service of 10 years in UPS.
04:45In OPS, there is a guarantee of 40% pension commutation.
04:48While in NPS, there is no guarantee of this.
04:50There will also be a medical facility in UPS.
04:52While in OPS, there is a medical facility after retirement.
04:55But in NPS, there is no clear guarantee of this.
04:58Apart from this, only government employees can benefit from UPS and OPS.
05:03While in NPS, there is nothing like this.
05:05In NPS, from private to government employees, anyone can take advantage of it.
05:09Now if we talk more about UPS, then Central Minister Ashwini Vaishnav announced the Unified Pension Scheme on Saturday night.
05:17He said that the benefits of this scheme will be given to government employees.
05:20And it was also said that after 2004, retired government employees will also benefit from it.
05:26From 2004 to date, retired government employees will be eligible to get a pension under this scheme.
05:32He also said that under this scheme, the remuneration will be paid up to Rs. 800 crores.
05:37So these were the differences between NPS, UPS and OPS.
05:40On the basis of which, you can decide which is better for you.
05:44What do you think? Do tell us by commenting.
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