Time-time par ki gai money saving hamesha kaam aata hai, usi tarah future save karana hai to money saving ki serious planning karani hogi, tabhi old age ke time ko sukun bhara bana sakenge.
Iske liye Government ne NPS (National Pension System) run kar rakha hai, jiska fayada uthakar har koi apne old age/ future secure kar sakta hai.
To aaiye janate hai-
Table of Contents
NPS Kya Hai & Kaise NPS Account Open Kare
Indian Government Government employees ki defined pension se padane vale financial burden ko khatm karne ke liye aur Pension plan se related freedom dene ke liye 1 January 2004 ko NPS ko launch kiya tha.
Is plan ka main object tha, desh par padane vale financial burden ko khatm kar government employees ko future secure karane ke liye investment habit banana, taki employees ke paise ko desh ki growth me use kiya jaye.
Bad me jab unhen jarurat pade to interest sahit apna investment amount withdraw kar sake.
Yah scheme America ki 401(k) plan se match karta hai. 22 December 2003 ko jab Indian Government ne is scheme ko introduce kiya tha, tab ise Contributory Pension System kaha gaya, jise launching ke time ise National Pension System name diya gaya.
Shuruat me yeh plan Government Employees (except of Indian Army) ke liye compulsory tha, but 1 May 2009 ko private sector aur Farmers ke liye is scheme ko open kar diya gaya.
NPS Se Kya Benefit Hai
NPS MGNREGA ke bad Indian Government ki sabse badi scheme hai, isliye ye plan country ke bade hissa ko prabhavit karti hai aur iska benefit bhi bada hai.
1.Tax Saving – Income Tax Act 80CCC and 80CCD ke under NPS me 40% maturity amount tax free hota hai aur 60% amount taxable hota hai.
2.Secure Future – NPS ka main object hai financially future secure karana hai, vakai me ye old age ka roof ki tarah hai, jo financial strong banata hai.
3.County Growth – Pension ke rup me mile paise ko country, Industries, Infrastructure etc ke growth me lagaya jata hai, jo pensioner aur every countryman ke liye beneficial hai.
NPS Account Ka Type
NPS account two type ke hote hai, jise koi bhi apni jarurat ke anusar open kar sakta hai.
Tier-1 – Is type ke account se amount maturity period yani 65 year ke bad hi withdraw kar sakte hai. Isliye ise Non-Withdrawal Saving Account kaha jata hai.
Isme aapko minimum 500 rupees monthly aur 6000 rupees annually deposit karana hoga v Income Tax Act 80 C ke according concession bhi milega.
Is account ko open karte time minimum 500 rupees ki jarurat padti hai.
Tier-2 – Yah account normal saving account ki tarah hai, jisse aap kabhi money withdraw kar sakte hai.
Is tarah ke account ko open karte time minimum Rs 1000 ki jarurat padegi. Isme monthly minimum Rs 250 aur annually Rs 2000 deposit karana hota hai.
But isme apko kisi bhi tarah ki tax par concession nahi milega.
NPS Account Ko Kaun Open Karava Sakta Hai
-Resident ya non resident Indian citizen ho
-Uski age 18-60 year ke bich ho.
-Mentally balanced ho.
NPS Account Open Karane Ke Liye Required Document
Aadhar Card
Pan Card
NPS Account Kaise Open Kare
Indian Government ne most of bank aur financial institution ko POP (Point of Presence) bana rakha hai, jise PFM (Pension Fund Manager) bhi kaha jata hai. Yaha jankar aap NPS account open kar sakte hai.
NPS ke total 8 PFM hai-
SBI Pension Funds
LIC Pension Fund
UTI Retirement Solutions
HDFC Pension Fund
ICICI Prudential Pension Fund
Kotak Pension Fund
Reliance Capital Pension Fund
Inme sabse Jyada SBI Pension Funds popular hai, jiska pension fund Rs 61,000 crore ho chuka hai.
All Indian Central Government Employees LIC Pension Fund, SBI Pension Fund aur UTI Retirement Solutions me invest karte hai.
Ye PFM four type ki schemes available karate hai, jiski alag-alag condition hoti hai –
Scheme E – Ise equity scheme bhi kaha jata hai, isme 75% equity share me invest kar sakte hai.
Scheme C – Is scheme me high quality corporate bonds me invest kiya jata hai, isliye ise Corporate Debt Scheme kaha jata hai.
Scheme G – Is scheme me aap Government Bonds me invest kar sakte hai.
Scheme A – Yah scheme private sector valon ke liye hai.
Note- aap offline ke saath online bhi NPS account open kar sakte hai. Iske Aadhar Card mobile number se registered hona chahiye, taki account registration ke liye OTP pa sake.
In Last word
Apna old age secure karna hai to abhi se money saving karana hoga, tabhi aap old age me life ko really enjoy kar sakenge. Jiske ke liye NPS better option hai.
Aaj hi ise join kare.
NPS se related question ho to comment jarur kare.
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