Unified Pension Scheme: केंद्र सरकार ने सरकारी कर्मचारियों को बड़ा तोहफा देते हुए केंद्रीय कैबिनेट की बैठक में यूनिफाइड पेंशन स्कीम (UPS) पर मुहर लगा दी है. ओल्ड पेंशन स्कीम (OPS) और नेशनल पेंशन सिस्टम (NPS) की जगह सरकार ने नया पेंशन सिस्टम लाने का ऐलान कर दिया है. इसके तहत मौजूदा पेंशनभोगियों को NPS और OPS की जगह यूनिफाइड पेंशन स्कीम (UPS) का विकल्प दिया जा रहा है. अप्रैल 2004 के बाद नौकरी शुरू करने वाला हर सरकारी कर्मचारी इस नए पेंशन सिस्टम का फायदा पा सकता है.
#UPSpensionScheme #UPS #NPS #UnifiedPensionScheme #OPS #NewPensionScheme #UPSvsNPS #NationalPensionScheme #OldPensionScheme
~PR.147~ED.70~HT.96~
#UPSpensionScheme #UPS #NPS #UnifiedPensionScheme #OPS #NewPensionScheme #UPSvsNPS #NationalPensionScheme #OldPensionScheme
~PR.147~ED.70~HT.96~
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NewsTranscript
00:00The central government has given a big gift to the government employees by putting a seal on the unified pension system, or UPS, in the central cabinet's meeting.
00:13In place of the old pension scheme and the national pension system, the government has announced a new pension system.
00:19Under this, the existing pensioners are being given the option of a unified pension scheme in place of NPS and OPS.
00:26After April 2004, every government employee who starts a job can benefit from this new pension system.
00:34The salary of government employees can be increased by up to 19%.
00:38How? Let's try to understand in this video.
00:41First of all, we will know what the unified pension system is.
00:45On August 24, last Saturday, the Modi government of the central government has approved the unified pension scheme.
00:52The central government has named this pension scheme as the unified pension scheme.
00:56The opposition has been accusing the central government of the national pension system for a long time.
01:01Opposition leaders were saying that the government is not giving government employees their pension due to the national pension system.
01:10According to the central government, government employees who subscribe to UPS will benefit a lot from this new pension scheme.
01:18The simple reason for this is that in UPS, the government's contribution to the pension fund will increase to 18.5%, which is currently at 14%.
01:28Now, some surveys have also been done for this, according to which 19% of the salary of government employees will be directly benefited.
01:37However, there are some rules for this, such as the employee's monthly salary will be up to Rs 50,000, only then will he be able to be a beneficiary.
01:45Reports show that with this scheme, the employee can see an increase of 3% in his annual salary hike.
01:53This will increase to 8% CAGR, i.e. Compound Annual Growth Rate.
01:58However, in the reports, the employees have not been included in the awards of inflation and pay commission.
02:04Therefore, according to the calculation that has been done, the pension corpus or pension course can increase further.
02:11This scheme will be in effect from April 1, 2025, and government employees will get a guaranteed pension after retirement.
02:18The government has not made the Unified Pension Scheme a default pension scheme, but it can be considered an option for the current National Pension Scheme.
02:26With this pension scheme, more than 90 lakh government employees across the country can benefit directly.
02:32Now, let's find out why this pension system was needed.
02:37About 20 years ago, NPS was started for government employees.
02:42On January 1, 2004, NPS replaced OPS, and after that, government employees who joined the job were placed under NPS.
02:51Instead of OPS, many states decided to remove NPS and take OPS again.
02:57However, after a few years, discontent with the National Pension System was expressed among government employees, and this became a major election issue.
03:06Therefore, many states decided to remove the National Pension System and go back to the Old Pension Scheme, which includes Himachal Pradesh, Rajasthan, Chhattisgarh, Punjab.
03:16In the Unified Pension Scheme, the government has expressed the intention of a minimum pension.
03:20The Central Government of Modi is claiming that about 23 lakh government employees are going to benefit directly from this pension scheme.
03:28In addition, they are also eligible to take advantage of all government employees who were eligible for NPS.
03:34That is, after April 1, 2004, every government employee who starts a job can benefit from the Unified Pension Scheme.
03:42All eligible government employees will not get the benefit of the Unified Pension Scheme on their own.
03:47All eligible government employees will get the option of UPS with NPS.
03:54If a government employee wants to remain in NPS, then he can remain in the current pension system.
04:00But to take advantage of the new Unified Pension Scheme, he will have to choose the option of UPS.
04:05Now, Central Information and Broadcasting Minister Ashwini Vaishnav has told about five main pillars.
04:12First is Assured Pension.
04:14Second is Minimum Pension.
04:15Then is Assured Family Pension.
04:17Which means permanent pension.
04:19Then is Uniform Pension.
04:21And for the whole family, the way to pension can also open in it.
04:24This will be applicable from the next financial year.
04:26But before that, the retired employees will also get the benefits of UPS.
04:30Now, let's understand the five pillars one by one.
04:33The first is Assured Pension.
04:35After retirement, you will get a fixed pension.
04:38This will be 50% of the average basic salary of 12 months before retirement.
04:43This fixed pension will only be given to those employees who have worked for at least 25 years.
04:49The second is Assured Minimum Pension.
04:53In this, if an employee retires after working for at least 10 years,
04:58then he will get Rs. 10,000 as pension.
05:01And this is the minimum that you will get Rs. 10,000.
05:05Next is Assured Family Pension.
05:09Under this scheme, you will also get family pension.
05:11This pension will be given to the family after the death of a government employee.
05:16Next is Inflation Indexation Benefit.
05:19According to the current inflation on these three pension systems,
05:22you will get Dearness Allowance.
05:26In addition to this, you will also get a certain amount of benefit as a gratuity.
05:31The employee will be given the salary and allowance of the last 6 months of his job as a gratuity amount.
05:39A lump sum payment will be made.
05:42This will be one tenth of the last basic salary of the employee.
05:47So these were the benefits of UPS that we have told you in this video.
05:51Apart from this, we also told you how 19% of the government employees are going to benefit.
05:57That's all for this video.
05:59Do tell us in the comments what you think about UPS.
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