NPS से कैसे बेहतर UPS? 5 प्वाइंट्स में समझें पूरा गणित

27 Aug 2024 By: Business Team

[{"selector":"#anim-07d961b7-0a50-4cd9-85d9-81719244dfaa","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4e2161de-76d5-445c-a13c-6b15e12c0065","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-63acd108-7d62-47db-bc51-488aae2eab16","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8e53e974-81fc-4b1c-a37f-aa1d798f45f1","keyframes":{"transform":["translate3d(0px, -848.88892%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b76b1d93-3afd-4268-aa40-91c05c7ec66d","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-19643503-79e2-47be-b52f-dca0a9b2229e","keyframes":{"transform":["rotate(-360deg) translate3d(0px, 145.35768%, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] PM Narendra Modi के नेतृत्व वाली एनडीए सरकार ने यूनिफाइड पेंशन स्कीम (UPS) का ऐलान किया है. जिसमें बहुत कुछ OPS जैसा है, लेेकिन NPS से ये कई मायनों में बेहतर है.

[{"selector":"#anim-8d1d89b7-df73-40ae-895d-2f6a1752f273","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e094d32e-bf29-4217-b836-580c8525e4b8","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-52755340-2671-4494-8e18-5448a5d11edc","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f6acaed3-2e29-40d9-ab5c-f7aa02daadf4","keyframes":{"transform":["translate3d(0px, -794.60327%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-46f800a4-6942-4057-95d3-e0fc04c7d2c2","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bd195581-a855-4189-a846-04bc9b198d85","keyframes":{"transform":["rotate(-360deg) translate3d(0px, 171.38504%, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] बीते शनिवार को कैबिनेट बैठक के बाद इसकी घोषणा करते हुए केंद्रीय मंत्री अश्विनी वैष्णव ने बताया कि ये स्कीम 1 अप्रैल 2025 से लागू होगी.

[{"selector":"#anim-1a1942b9-7a88-45a9-989d-36dfcaed6d89","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-29498bef-6c6e-4e44-ae32-61bb7730a130","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f546c0c4-dcde-43de-9d82-d29546a07450","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-618493dc-9bfe-439a-9a2b-536ba5d58be0","keyframes":{"transform":["translate3d(0px, -794.60327%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a156641a-4fb9-490b-b9f0-a0bd33c883fd","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1d70d69b-f2eb-4e52-a491-079e95b58478","keyframes":{"transform":["rotate(-360deg) translate3d(0px, 171.38504%, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ab393fda-cb3a-4e29-8953-3f5c1380db4a [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] पहला फायदा- यूपीएस के 5 बड़े लाभों की बात करें तो पहला ये कि UPS में 25 साल की नौकरी पर अंतिम 12 महीने की बेसिक सैलरी की कम से कम 50% राशि गारंटेड पेंशन के रूप में मिलेगी.

[{"selector":"#anim-1eee8af5-afe2-4259-9597-6336881efcba","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e84ec411-a4f7-4a37-bd1f-e2c2e4651aac","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2fa20330-75a0-4740-98b3-954d6eed4ae4","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8d0eb875-c3c8-4fa6-99fa-6106e61f7021","keyframes":{"transform":["translate3d(0px, -794.60327%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2c820e3e-4537-41a6-b819-48233aafa452","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-03fc8220-2264-4cd5-bd2c-5ad25c803d2d","keyframes":{"transform":["rotate(-360deg) translate3d(0px, 142.17173%, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ad207811-4b90-42a8-941d-83ac5be66636 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-22.22932355351088%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] NPS में ऐसी गारंटी नहीं है, हालांकि, ओल्ड पेंशन स्कीम (OPS) में मिनिमम 20 साल की नौकरी पर बेसिक सैलरी और DA का 50% तक पेंशन के रूप में मिलता है.

[{"selector":"#anim-1d8748f7-275e-44eb-8aa1-65f61ee34d16","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e74898b6-ea2f-4745-9787-027a9abaff81","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e74e3e08-3ad5-4f91-9b06-97a01868cdb3","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ca2fa242-4e02-47ef-bc47-fd6350b7700d","keyframes":{"transform":["translate3d(0px, -794.60327%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7fd791d4-d3ea-4703-a88c-b74fcf46d333","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-092db2fa-71b2-41bc-8f2c-f9e6381b76fb","keyframes":{"transform":["rotate(-360deg) translate3d(0px, 171.38504%, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f41100ce-e0fb-4a82-b2ce-d85a9d767db1 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(23.650376200767276%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] दूसरा फायदा- UPS स्कीम में दूसरा फायदा ये है कि NPS में सरकारी कॉन्ट्रिब्यूशन 14% है, जो यूपीएस में 18.5% होगा. जबकि कर्मचारी अंशदान 10% होगा.

[{"selector":"#anim-c360eca3-fd31-477d-96b9-d12b9740d690","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d9ee9371-937f-455a-8d8b-090a58514e16","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-270ddded-6528-4bbb-93ee-90e60a12d333","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8c8f92b2-69be-4012-9dbf-0f2df2f99be7","keyframes":{"transform":["translate3d(0px, -794.60327%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-eac6b205-21e2-4e16-8214-81b9d5d32724","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-98cf90af-a9d9-4925-8ca4-4034fc123670","keyframes":{"transform":["rotate(-360deg) translate3d(0px, 171.38504%, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6f7d3f69-27e1-4525-885b-2876ab17ed76 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-21.823308511437624%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] तीसरा फायदा- ओपीएस की तरह यूपीएस में भी अश्योर्ड मिनिमम पेंशन का प्रावधान है, जो 10000 रुपये प्रति माह है. इसके लिए 10 साल की नौकरी जरूरी है.

[{"selector":"#anim-7a901f13-fdc5-469a-9d2d-b8ef150373b9","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ab0a07c6-013b-416b-bdf6-50030020374d","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6a2d8618-28ed-433c-93c2-90503adf8a85","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b2a3f754-f244-40b3-842d-149c21cfd435","keyframes":{"transform":["translate3d(0px, -794.60327%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-071fd42b-1ee0-4c67-b466-b8fcc424f1bb","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4e4c2a0c-cad3-45bc-b4dc-bb1c2fc43210","keyframes":{"transform":["rotate(-360deg) translate3d(0px, 142.17173%, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] चौथा फायदा- कर्मचारी के मौत के बाद फैमिली में से किसी एक योग्‍य सदस्‍य को कर्मचारी के पेंशन का 60 फीसदी हिस्‍सा दिया जाएगा. OPS में ये प्रावधान है, लेकिन NPS में नहीं.

[{"selector":"#anim-5bd0a1d4-1a12-41ca-a24a-fccb7fcb14e4","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-79b70be6-24aa-40a8-bde9-bb4fe0f5b680","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d8c28331-7a98-4d00-b62f-8383f35eb256","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b698b0fd-573d-4e00-ba80-9db80810bc0a","keyframes":{"transform":["translate3d(0px, -794.60327%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d5e0c593-0cf2-488c-b3c9-82e55bf49f8f","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c9c4983d-437c-402e-aec1-6f2efea6787e","keyframes":{"transform":["rotate(-360deg) translate3d(0px, 213.86512%, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-93a42a2a-0264-4ff9-b432-680deccc9803 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(8.621903784032845%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] पांचवां फायदा - यूनिफाइड पेंशन स्कीम (UPS) में नेशनल पेंशन स्कीम (NPS) की तरह महंगाई राहत (DR) का लाभ मिलता है.

[{"selector":"#anim-8ca983e7-a394-41df-ad57-464e79fedb66","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bd9e7715-6a77-40fe-9f37-82d432d294ac","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-42d23296-ddf3-4103-837f-e6b9d9c15394","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c95bec04-3a53-43d4-9f0e-b1c0658c1693","keyframes":{"transform":["translate3d(0px, -794.60327%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2a57aeab-2a37-40a6-b722-df4d4ce49b18","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d7ed8ab6-e477-49ad-baf8-25efbf7ce1f8","keyframes":{"transform":["rotate(-360deg) translate3d(0px, 213.86512%, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-394324b3-d6b8-4ba0-9f0b-2fe187433b8b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(9.541353488721564%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] यूनिफाइड पेंशन स्कीम के तहत लगभग 23 लाख केंद्रीय सरकारी कर्मचारियों को इसका लाभ मिलेगा.

ये भी देखें देश के ये 10 राज्य... जिनके ऊपर है सबसे ज्यादा कर्ज, देखें लिस्ट RBI का एक फैसला... फिर गदर मचाने लगे ये शेयर, तूफानी तेजी दिल्ली-मुंबई में डीजल का रेट स्थिर, जानें अन्य शहरों का हाल अंबानी से बड़े घर में रहती हैं ये महारानी, UK का बकिंघम पैलेस भी इससे छोटा!