National Pension Scheme 2024, Eligibility Criteria & Benefits in Hindi

National Pension Scheme 2024 in Hindi

National Pension Scheme 2024, Eligibility Criteria & Benefits in Hindi (NPS) National Pension Scheme Government of India dwara start kiya gaya hai, jiska main objective sabhi Bharat ke nagrikon ko retirement facilities provide karna hai. NPS ka main objective citizens mein retirement ke liye saving ki habit ko inculcate karna hai. Aaj is post mein hum aapko NPS ke main objectives, NPS accounts ke parts, interest rates aur benefits ke bare mein information provide karenge. Usse pehle, hum aapko National Pension Scheme ke bare mein detail mein batayenge.

Yeh scheme market-linked hai aur professional fund managers dwara manage ki jati hai. NPS ke through, individual savings pension funds mein accumulate hoti hain jo government bonds, bills, corporate debentures aur shares ke portfolio mein invest ki jati hain, PFRDA-regulated professional fund managers ke through. Individual subscribers dwara National Pension Scheme mein ki gayi contributions retirement tak accumulate hoti hain, aur corpus market-linked returns ke through grow hoti rehti hai. Subscribers ke paas scheme ko retirement se pehle exit karne ya superannuation choose karne ka option hota hai. Lekin, scheme yeh ensure karti hai ki savings ka ek portion subscriber ko retirement benefits provide karne ke liye use kiya jaye. Isliye, retirement, exit aur superannuation ke time, minimum 40% contribution ek lifetime pension purchase karne ke liye use kiya jata hai by purchasing an annuity.

Objectives of National Pension System 2024

• Retirement phase ke liye adequate wealth generate karna ek important aspect hai jo financial planning ke dauran dhyan mein rakha jata hai.
• Yeh na sirf individuals ko unke expenditure needs ko meet karne mein madad karta hai, balki unhe post-retirement life ko minimum hassles ke saath jeene ka mauka bhi deta hai.
• Senior citizen demography ke growing concern ko address karne ke liye, Government of India ne schemes jaise National Pension System ya NPS introduce kiya.
• Yeh scheme systematic savings allow karti hai working years ke dauran, is tarah se individuals mein future ke liye save karne ki financial discipline inculcate karti hai.

National Pension Scheme Features 2024

• Tier I – Pension Account (Mandatory Account – Tax benefits available).
• Tier II – Investment Account (Optional Account – No tax benefits, but corpus can be withdrawn anytime).
• Minimum contribution Tier I account opening ke time Rs.500 hai.
• Minimum contribution Tier II account opening ke time Rs.1,000 hai.
• Minimum total contribution ek saal mein Tier I ke liye Rs.1,000 hai (minimum amount per contribution Rs.500 hai).
• Minimum total contribution ek saal mein Tier II ke liye N.A. hai (minimum amount per contribution Rs.250 hai).
• Bohot low cost product hai fund management free of charge 0.03-0.09% ke saath.
• Attractive market linked returns.
• Investment mein flexibility.
• Jobs aur geographies ke across portable.
• 24 x 7 x 365 accessible web aur mobile apps ke through Central Recordkeeping Agency (CRA) dwara.
• Ek baar switch to NPS – Existing corpus through superannuation NPS mein ek baar mein bina kisi tax incidence ke switch kiya ja sakta hai.

National Pension Scheme Eligibility Criteria 2024

• National Pension Scheme ke liye age limit 18 se 70 saal ke beech honi chahiye.
• National Pension Scheme ke benefits avail karne ke liye Indian citizen hona mandatory hai.
• KYC norms comply karna zaroori hai.

National Pension Scheme Benefits 2024

Employee Tax Benefits For Self-Contribution:

• Section 80CCD(1) ke tahat salary (basic + DA) ka 10% tak ka tax deduction, maximum Rs 1.5 lakh ke under section 80CCE ke subject.
• Section 80CCD(1B) ke tahat Rs 50,000 tak ka tax deduction plus total limit of Rs 1.5 lakh under section 80CCE.

Employee Tax Benefits On Employer Contributions:

• Employer ki contribution employee ke NPS mein section 80CCD(2) ke tahat tax deduction ke liye eligible hai, jo salary ka 10% hota hai, yaani basic salary aur DA, ya salary ka 14% agar yeh contribution Central Government ke through kiya gaya ho, over and above Rs 1.5 lakh limit provided through Section 80CCE.

Self-Employed People Tax Benefits 2024:

• Section 80CCD(1) ke tahat gross income ka 20% tak ka tax deduction, overall limit of Rs 1.5 lakh under section 80CCE ke subject.
• Section 80CCD(1B) ke tahat Rs 50,000 tak ka tax deduction, overall limit of Rs 1.5 lakh under section 80CCE ke subject.

Also read: CTET Admit Card 2024