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Central Sawrkar Pension Scheme thar - Unified Pension Scheme (UPS) bihthuakna

Written/Edited by Lalchhuansanga Pachuau on

 Sawrkar hnathawkte innghahna ber, an vanglai hun ram tana an hman ral hnua sawrkarin a chhawmdawl letna, pension scheme hi British hun lai daih tawh aṭang khan hman a lo ni tawh a, India ram kan indan khan chumi chu chhawmin tihchangtlun zel a ni a. Kum 2004 aṭang khan sawrkar hnathawk tharte hman turin pension scheme thar, New Pension Scheme (NPS) kan tih mai chu siam a lo ni ta a. He pension scheme hi sawrkar hnathawk mai ni lo, khua leh tui tu tan pawha lo zawm ve theih tura duan niin chhawrtu pawh an tam ta hle a ni.

He New Pension Scheme (NPS) hi kum 20 chuang zet hman a nih hnuin kum 2025 Apr ni 1 aṭanga Central Sawrkar hnuaia thawk tharte hman theih turin pension scheme thar, NPS ruangam chhungah Old Pension Scheme (OPS)-a hamṭhatna awm ṭhenkhat nena belhbawmin Unified Pension Scheme (UPS) an rawn tichhuak leh ta a ni. Hetih lai hian NPS hi chu a kal ngai rengin a kal thung ang.

He Unified Pension Scheme leh New Pension Scheme khaikhinna hi han bih ho thuak ang u hmiang:

  1. A hmasain NPS hi chu market-linked kan tih ang kha a ni a, India ram economy dinhmun hniam leh sanin thui tak a hril a, pension huna kan pawisa lakzat tur kan hre lawk thei lo a, kan economy te a ṭhat chhoh viau chuan tam tak kan la ang a, chutih laiin kan ram economy a ṭhat loh chuan tlem te pawh kan la thei tho bawk. Gratuity (luman kan tih mai), kum 5 aia tam emaw thawk tawh an boral thulha lak tur ang chi kha a awm ve lo a, an pawisa lo khawl chin ang ang chauh kha rokhawmtuin a la thei a; tin, kum 60 an tlin thlenga an dam chuan pawisa hlawm (lump-sum) hi an pawisa dah pungkhawm aṭangin 60% thleng an la chhuak thei a ni.
  2. Unified Pension Scheme hi chu Sawrkar laipuiin a pung tur zat hi a tiam tlat (guaranteed) a, chuvangin ram economy hniam leh sang (inflation)-in a tibuai ve dawn lo a, chutih laiin kum 25 thawh hnua pension dawn thla 12-a basic pay average aṭanga chhuta 50% chauh an la thei dawn a ni. Gratuity hi Old Pension Scheme ang khan a lo awm ve leh thung bawk ang. Tin, NPS ruangam chhunga duan a nih angin sawrkar hnathawkin a pension fund atan hian a thla hlawh aṭanga 10% a chhun luh ve leh a ngai dawn tho a, 18.5% hi sawrkar laipuiin thla tinin a tum ve thung ang. Tin, NPS ang chiahin pension fund dahna tur (pension fund manager) duhthlan theih a ni ang a, tin, pawisa dah khawl sa hi a ṭhen a zar lakchhuah (partial withdrawal) theih ve tho a ni bawk ang.

Mizoram sawrkar hnathawkte leh NPS:

New Pension Scheme (NPS) hi Central sawrkar-in a hman hnuin Mizoram sawrkar pawhin a hmang ve a, tuna Unified Pension Scheme pawh hi Mizoram sawrkar hnathawhte pawhin an hman ve theih tura chhawpchhuah a nih thuai te chu han beisei thla ve leh ringawt i la! NPS hi Mizoram sawrkar hnathawk tam tak hian an duh vak lo niin a lang a, thawk khat lai phei kha chuan Vanapa Hall kawtah te khan lungawi lohna te an lantir hial kha a ni a, UPS hi an beisei ang kha a ni ang em? Kan ram economy hian UPS anga sawrkar guaranteed hi kan zo ang em, tih te chu mithiam zawkte'n an la rawn ruahman fel turah ngai ang.

Sawkar hnathawk ve lote tana pension hlawh lak theihna - NPS:

Hei hi mi nawlpui hian kan la hre lo mai thei awm e! New Pension Scheme hi 2004-a hman ṭan a nih kha ṭha an ti hle mai a, Sawrkar hnathawk kher lo, company hnuaia hnathawk te, khawi hnuaiah maha thawk lo mahni Pension Scheme insiamchawp duhte tan pawha hman theih turin 2009 khan phal a rawn ni ta a. Mahni thawhna department/company khan tumsak chin te an lo nei ve thei a, hei hi a ṭhatna a ni a. Chutin laiin thawhna bik nei lem lo pawhin mahni thuin a dah theih a, mahni dah ang zat zata zir zel khan kum 60 kan tlin aṭangin pension hi kan la ve thei a ni.

Mimal tana NPS-a pension dah dan hetiang hian lo chhut dawn chhin ang:

  1. Kum 35 i ni a, thla tinin NPS-ah pension fund atan ₹5000 i chhung a, kum 60 i tlin chuan ₹ Nuaih 15 i chhung lut dawn tihna a ni.
  2. Chumi i pawisa tling khawm aṭanga a pung (interest) chu tuna a pun dan tlangpui anga chhutin 10% (9%-12%) vel lo ni ta se, ₹ Nuaih 66 vel i lo dah khawl hman dawn tihna a ni.
  3. Kum 60 i tlinin 60:40 rule hmangin 60% lo lachhuak ta la, ₹ Nuaih 40 vel i pension pui dawn tihna a ni.
  4. I lak bang 40% (₹ Nuaih 22) vel chu pension annuity leina atan i hmang dawn tihna a ni a, annuity rate hi tunah hian 6% vel a ni a, chumi ang chuan pension hlawh thla tinin ₹13,350 vel i dam chhung zawng i la thei dawn tihna a nih chu!
  5. Tin, i thih hnuah i lak bang (40%), pension annuity leina atana hman (₹ Nuaih 22 vel) kha i rokhawmtuin a la leh bawk ang.
Mizote hi a tlangpuiin sawrkar hnathawkte kan nih loh chuan kan upat hnuin sum leh paiah thuneihna kan nei mang lo ṭhin a, sawrkar hnathawk lo tan pawh kan upat hnua sum leh pai lam thilah mahni kan dinchan reng theihna atan fimkhur tak chung zela investment lam hi kan ngaihven a, kan zirchian a pawimawh hle a ni.
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