EPS 95: EPFO का अधिक पेंशन वाला प्लान किसके लिए सही? Money Master | Jitendra Solanki | Money9
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- Опубліковано 27 лют 2023
- #epfo #pension #eps95pension
अगर आप 1 सितंबर, 2014 से पहले कर्मचारी पेंशन योजना (EPF) के सदस्य हैं तो आपको ज्यादा पेंशन मिल सकती है, EPS-95 के पेंशनर्स को किस तरह मिलेगा ज्यादा पेंशन का फायदा? कर्मचारी भविष्य निधि संगठन (EPFO) ने कर्मचारी पेंशन योजना-1995 यानी EPS-95 को लेकर क्या बदलाव किए हैं? EPS 1995 pension scheme को लेकर देखिए हमारा ये खास वीडियो.
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हम ई पी एस 1995 के पेंशनयोजना के सदस्य है ओर1/6/2013 से रिटायर हो गया है आपका बहोत बहोत आभार ओर अभिनंदन धन्यवाद मॅडम जी
इस पेंशन के बारे कर्मचारी को समझाना और समझना इतना कठिन है कि जैसे परमात्मा को समझना
what i understand, take home income pe koi fark nhi padega
example for basic 89000
12% of employer share= 10680
now,
option 1 (existing) - Limited eps share as per EPS wages 15000 capping= Rs 1250
rest amount 9430 goes to PF (emplyer part)
option 2- (New- optional) if actual basic used for eps share
so 8.33% of it goes as EPS share
so 8.33% of 89000 = 7413
rest 3.67 % of 89000 = 3267 goes to PF part (emplyer share)
total 10680 remains same
so its just adjustment between PF (Emplyer share) and EPS share
>> considering the same basic salary for 60 months before retirement (all after 1 Sep 2014)
pentionable salary for option 1 will be Rs 15000
while for option 2, it will be 89000
so with option 2, pention amount will be higher becoz high EPS contribution was also higher
7413 (op2) vs 1250 (op1)
now calculate ur pention as per ur anticipated salary n service years.
प्रियांका संभव सी एन बी सी आवाज से आप गायब हो गये थे तबसे आपको मिस कर रहे हैं आपने खुद ये कनल सुरू क ही लिये बहुत अच्छा लगा अब आप हमारे लिये कुछ भी कर सकते हो आपका बहोत बहोत आभार ओर अभिनंदन धन्यवाद प्रियांका संभव आपकी आवाज के हम दिवाणे हैं आपका बहोत बहोत आभार ओर अभिनंदन धन्यवाद मॅडम
Excellent we are happy
Should not be opt for EPS. Should go with old formula. Still there is mystery that where EPS amount is going once you change the job. Not much use of EPS.
Those who did not exercise option till Aug 14 under 11(3) have been provided opportunity to exercise joint option under 11(3) and 11(4) now.But it is not clear if this joint option will revise their pension calculations to average of 60 months actual salary for "pensionable period" wef Sept 14 till retirement or for "pensioable period" from 16.11.95 till retirement.This is becoz, under post revision scheme ,EPFO calculates pension separately for pensionable periods 16.11.95 till 31.08.2014 (under preamended scheme) and 01.09.14 till retirement (under post amended scheme).EPFO circular of March 23 clearly mentions 11(3) as deleted and no where this circular finds a mention of clause 44(ix) of SC judgement which validates RC Gupta judgement for exercise of option under 11(3) of pre Aug 14 scheme😮
नमस्कार, मैं 2001 मे 24/11/2001 को रिटायर हुवा हूं.मुझे Rs 300/-पेन्शन मिली ठी बादमे Rs 800/- और आज रु 1000/- मिल ती है .1985 to 2001 पिरियड सर्व्हिस का
Uan portal पर Uan no सही name सही पर higher pension apply करने पर mismatch ye कैसे sambhav है ।
Epfo इसको लेकर serious नहीं है
I am member of epf since 1984 and retired on 31st July 2022 at 60 years age. Please guide me about option for higher pension.
Take home salary will not reduce to go with this scheme, Employer PF contribution will reduced significantly and pension account will increase, Currently pension fund contribution is only INR 1250 and balance PF 12% of basic salary is going to empoyee's PF account. for example if monthly contribution of INR12000 pm, INR 1250 is going to pension fund and balance of 10750 will go in the empoyee PF account.
Employee can withdraw the entire PF amount at time of retirement.
One fact is very clear that system has made the process extremely complicated and most of the cases will get rejected. PROCESS SHOULD BE EASY.
Iam private employee I have contributed to EPO. Regularly. In 2009 i have atained 58years. And retired in 2011 at the age of 60 years. At the time of my retirement my salary was 30,000 pre month I have served to the institution for 35 years. At present iam getting pension 1712₹.can i apply for higher pension scheme? Is it possible to get me higher pension at this stage. Now iam 72 years old.
sir epf95 scheme was started in the year 1995 and in the year 2014 min limit increased to 21thousand but even today in the year 2023 govt has not given any increas the penshion ineps95 how can we believe that higher penshion is profitable I think this is totally loss
I am retired may 2019, now I apply higher pension option but I don't deposit money desired by EPFO than my old pension received or stopped by EPFO.
मेरे फादर 2006 चे मे रिटायर हुये थे उसकी बाद उनको पेन्शन मिलना चालू हो गया अभी वो 2018 मे गुजर गये और मेरी माँ को 50% मिलती है क्या मै मेरी मा को अभी हायर पेन्शन मिलेगी क्या ? उसके लिए कुछ एक्स्ट्रा पैसा भरणा पडेगा क्या ? कृपया मदत करे
नहीं भरणा pdega
I have worked upto 30th June 2008. My question is am I eligible for higher pension?
क्या मिलने वाली पेंशन पर भविष्य में DA बढ़ने पर पेंशन अमाउंट बढ़ेगी या फिर आजीवन फिक्स पेंशन मिलेगी? कृपया मार्गदर्शन करें।
I have retired in 31 Oct 2014. Employer has given 12 % on total salary ( basic + da). After retirement our trust refund all pf amount to me. Then now what can I do.
Sir,स्वयम के 50000 कॉन्ट्रिब्यूशन ,एम्प्लायर के कॉन्ट्रिब्यूशन दोनों में Itax का छूट कितना है NPS में।
In case if the person loses job at 50 years and is forced to take up another job for a lower salary with lower basic wages, the last 5 year average basic wage would be less. Thereby the pension amount would also be less. Is this right?
25 saal service ke baad vrs Feb 2000 me le liya 2006 se pension 1015/- pm mil rahi hai agar higher pension milegi to kya kuchh paisa jama bhi karna parega post ASG thi
Mara basic 20000 /92saservice 2018august ma Returmented to hum high pemsem apply korna faida hoga
❤
मे EPFO का सदस्य हू. और मेरी सेवा को ग्याराह साल हो गये है आज मेरी उम्र 35 वर्ष है.पर दुहिदा यही है की मे अगर मे दस साल बाद यानी की ऊम्र की 45 मे अगर मे स्वेच्छानिवृत्ती लेता हू तो क्या मुझे पेन्शन मिलेगी?या मुझे उम्र के 58 साल तक रुकना पडेगा? .
I am retired in July 2009, can I gate pension arrears from August 2009 to up till now with interest from EPFO.
EPS 95 PENSION CONTRIBUTION RS 417 RS 541 RS 1250 BAD MINIMUM PENSION RS 2206 EK MLA MP CONTRIBUTION NAHI HAI TIN CHAR PENSION BAND HONA CHAHIYE YES
Agar joint option ke liye employer interest nahi Hai tho kya karna padega.
Why are epfo making senior citizen foolish .Would you pay us minimum pension Rs.7500. God will be supreme.
2016me April moth me department se retiered hua hen to kya karna he batten.
I am in service since August 1984 and member of EPFO/EPS and retired on 2022 . My average salary of last is 1.5 lakh . Weather I am eligible ? What would be higher pension and how much would be additional contribution on EPS ?
मैंने नबम्बर 2013 में retirement ले लिया था एक private company से । क्या मैं higher pension पाने के लिए eligible हूँ । कृप्या स्पष्ट करें । धन्यवाद
Mai 2018 ko retirement li hai,Matlab retirement ho chukar hun,to muze higher pension ke liye apply karna padega kya
मैं सन 11 में स्टार्ट हुआ था मुझे 1933 पेंशन मिलती है क्या इसमें कुछ पढ़कर मिलेगा या नहीं
Mi eps95 pentioner hu 2019me retirement hogaya meri besic salry 6500thi meri service, , 12years dikhai
मैं खाजगी बँक में 23 बरस काम किया है बेसिक 6500था 50 साल
I want to Know about joint option form. Whether in this form Employer signature is compulsory?
Yes, of course
Pension schemes are not taxable. They work on EEE formula subject to conditions. Exempt Exempt and Exempt. Contribution is tax exempt, income or gain is tax exempt and final pension is tax exempt. This means when you contribute you get tax exemption subject to limit. In fact for NPS you can get an exemption over and above the 1.5 lakhs in 80C upto another 50k. Income or capital gains is tax exempt. The gain in your NPS corpus is tax exempt. It is not that if your corpus is increasing govt. will start deducting TDS. And finally the pension you get from the NPS is also tax exempt. No tax is deducted.
Only if you withdraw the corpus then you have to pay tax.
Point is NPS is pension scheme and if you use it as pension scheme you pay no tax. But if you use it as investment scheme it is taxable. Choice is yours. But even then you get 2 stages of exemption which is very rare and only available in a few schemes.
Unable to understand what they are suggesting..or Explaining..
Jo log 2018 me retire hue hai isko opt kar sakte hai ya nahi.
When we will get hike pension money. Pl. Reply.
As like Government servants are we belonging private sectors and servicing Superior posts having 46000/- per months basic salary excluding other perks also can be eligible to get enhancing periodically our pensions after giving our forty years services to well known SFC (SHRIRAM),Kota-4
???
Really can Government think about us also ???
We are availing very negligible amount only Rs.3932/- only to survive in old age and after retirement life with family.
After all how a family can survive in this less amount ???
Please do needful as suggested by me as above.
After all this is a very hotest burning sensation issue.
Superiors authorities of EPFO's should discuss with government 's Laws Ministry both Central and States .
Myne 2023in 28octomber rejineing kar diya mujya kitani pansion hogi high pansion.
Kaise Maloom hoga ye LIVE Hai ya nahi
,2006 september me vrs liye walonko pension nahi milega kya
Who will provide data form 1995
WHEN WE GET ? ?
2002 sal man retair hai to jyada pension ke liye form fillop karna hoga
Mene pravet company me 4 year nokri ki thi to kitna pf.bnega or mo.n.rajis.nhi he uan no.bhi nhi he only token no hi he
Hi, my question is:
As I am working in private sector and I opt for EPS 95 (to get higher pension)
For example:
2014-2023 - working in private company and I choose EPS.
2025- I switched my job ..
Question:
1. What will happen my EPS amount which I contributed for 6 yrs.
2. Will my EPS amount will carry forward (like pf amount)
Please suggest me
if u transfer the PF account after switching job, PF amount gets transferred and visible on EPFO portal
but for EPS, only last salary and years of service data gets captured by EPFO systems at back end. these parameters are required to calculate pention.
basically amount will not show for EPS but it is there at backend.
What about employee retired in March 2004.........
Please let me know that I have joined private service in the year 1987 and retired from service in the year June 2014. I have served 27 years. I have contributed epfo from my salary. My last salary amount was rs. 40,000.00 per month. How much new pension amount will receive per month. Kindly reply, thank 🙏 you very much.
Jo pehle se pensioner hai unka kya
Mere papa ki pension 898 rupey per month hai unki kitni pension badegi isse
Jo employee april 2014 m retire hue h kya vo higher pension form bhar sakta h
eps 95 minimum pension badotari kab hogi? Jo lambe samay se pending he mamla .
maine job kiye from 1989 to 2016 tak job kiya hai than i ve taken vrs so i am eligible hai
रिटायरड On 20.04.2008 आयु 58 नेशलन सीडज कारपाेरेशन EPS -Trust 12% कटाैती लेकिन कारपाेशेन ने EPFO काे रू 541 पेंशन फंड मे जमा किए कया हम हायर पेंशन के सिए Eligible पर कंमपनी ने 12% EPFO काे नहीं दिए
Maine 1981 to 1999 tak service Kiya ur Mera company lokdoun Kar dya to muze konse kytigiri me Gina jayaga Mera total servic 19years and 7.8 month service ho gaya hi maharastra Navi Mumbai vashti service hi
2011 ko Retaird hai mughe 2075-/ pension hai vh badhegi kya.
I रिटायर्ड june19 can iopt for higher pention
Muze retirement मैं 20year baki hai muze ये eps 95 lene chahiye kya
कया सितम्बर 2014 से पहले पैशनर सेवा निवृत्त होने वाले को भी हायर पैशन मिलेगी
7500/- पेन्शन कब मिलेगी
प्रियंका मेडम,
मैं W B Govt undertaking में 42 साल नौकरी के बाद जनवरी2009 में उम्र 58 बर्ष और जनवरी 2011 में उम्र 60 बर्ष में रिटायर हूं, last salary rs.36000/- 1995 eps member हूं, मेरा बेसिक रुपए 5000/6500 के हिसाब पर rs.1892/- प्रति माह पेंशन मिलता है, क्या मैं EPFO को higher pension के लिए आवेदन कर सकते हैं।
आवेदन तो कर सकते हो पैसे भरणेकी जरुरत नहीं है
Eps95ki minimum pension kitani milegi
Minimum kitni salary valo k liya yeh scheme hai
Jo vyakti 2005 Mein retire hua hai kya usko pension Badhkar Nahin milegi
jo member abi retire nhi huye ha kya wo b ye option le sakte hai. Agar abi salary 10000 ha ho sakta ha age jakar salary jyada ho jaye.
आज हम फॉर्म भर सकते है क्या
Sir meri service 12 Saal hui hai aur age 45 hai average salary last 5 years is 45000 Kya main enhanced pension k liye apply kar Sakta hoon 50 ke Baad pension k liye aur agar haan toh Karne mein fayda hai ya nuksaan
Aap bilkul apply kar sakte hain lekin pension calculation epfo tay karega abhi calculate karna mushkil hai. Ek rough idea hai ki aapko 15,000 - 20,000 ks yr; pension mil payegi
मैने हायर पेंशनका फार्म भर दिया लेकिन EPFO आॅफीसवाले PPO नंबरके बदले UAN नंबर मांग रहे है जो हमारे पास नही है इसकलिए क्या करना पडेगा
लेकिन २०१४ कें पहले जो लोग रिटायरध होते हैं तों उनके लिये क्या मिल्ने wale हैं
Sir Mai differentplacejobkiya2014pahilw surabhi the eligibility
UAN. नंबर नही मिल रहा. फिर कैसे आँनलाईन नही हो रहा.
I joined on1980 retired on 2012 my salary was rs 48000/please how I can expect in higer pension
2007 Dec. me retired employee eligible hai ya nahi
The increased amount which is to be contributed to EPS95 should be paid from which year? Is it from 1995 or from 2014
Bbhbbyh😮😮😮😮😮😮-😮-uy😮----h😮😮😮😮😮😮hy 😮😮😮😮😮😮😮😮😮😮tbiyt 😮hy😮😮😮😮😅❤❤kmamamamammammmaaamamamakkaakaaaaaaamaaaaamaaaaamaaaaaaaaaaammaaaaaaaaaamamaaamal maaaaaaaaaaaamamaaamamaaaaaaamaamaaaaaaaaakakaamaamaaaaaaaaaaaaaaamaaaaaaaaaaaaaaakaaaaaakakaaamaaaaaaamaaakakkaaaaaaaaamaaaamaaakamaaaaaaaaaakaaakakaaaaaaaaaaamamaakaamaamaamaamaaaaamal mammaaaaaakmmmmmmmmmmmmmmk k kkkkkkllllklkkllkukkkkkkkklkklkklkklklkllkkkkkklukkkkkkkkkkkukkkkkkuklukkukukkkUlikkuulkklikkaakuaukklukkkulauakkluaklilalKlakulkuaualKkIkaKalaulaalalaulilakkakakkkakkkakailikakaiaakuakailaikiiialkaaliilkkailliliakLlkkaiilikaillLilikaiiialililkalilliaiallkliliillalaiakaumn wg❤❤y
Now congress wii give big amount of Pension to EPFO pension holders. Rahul will do this good work. Rahul will declare Minimum pension to EPFO Rs. 25 000/_ + D.A+ Medicine❤❤❤❤❤
I am retired inyear2017 my salary was less then 15000 joint option is benifit for me or not
You are not eligible for higher pension as per your salary
मैं 2009 के अक्टूबर में रिटायर हो रिटायर हो गया मिनिमम पेंशन में हूं मुझे क्या मिलेगा
Mere pitaji 2001 me retired huve hai
Unhe 802 ₹pention hai to kya ve eligible hai?
Unka UAN numbere hi nahi hai .UAN number kaise milega?
Eligible hain...lekin UAN banwana hoga
@@PriyankaSambhav thanks mam
न्यूनतम पेंशन कितनी होगी
1984 से 2005 तक नौकरी की
लेकिन पेंशन 1053 रू मिलती है अब कुछ फायदा होगा या नहीं
I think there is some hidden catch in this scheme. EPFO is govt controlled organisation & investment is made in govt borrowings programs. If higher pension is opted, Initially, the higher contribution from employer PF would be transferred to pension funds so that the PF corpus fund withdraw would get substantially reduced from EPFO at the time of retirement would be lesser. Secondly there is no interest credit in pension contributions. Thirdly, once the pension is commenced, the initial corpus is non returnable & the retiree will get pension only till he lives then spouse @50% then no further.
Me, Ajaybhai panchal from Mandvi (Surat)
Me, oct 2019 me retirement hua hu.meri kapat 15000 ki limit me katata tha.(1250+550).kya muje higher pention ka labh melega ?
Maine 2014 ke baad retire Kiya hai mujhe rs 2024 pension mil raha hai ,Mai higher pension ke liye apply Kar Sakta ya nahi.
आप एप्लाई कर सकते हैं
2012 retire 6000 salare 1850 penson recd Mane higher penson no labh malse ke nahi
Agar koi expire ho gaya ho to spouse ko pension mil shakta hai
मेरी सर्विस 1981 से 2020 तक है मैं 2020 में रिटायर हुआ हूं मैं शुरू से ईपीएफओ का मेंबर हूं क्या मैं पेंशन के लिए अप्लाई कर सकता हूं मेरी लास्ट बेसिक 40000 है
Pl provide calculator for calculating contribution for opting for higher pension
last five average of basic pay x year of service/70
EPFO will be coming with all deatils soon.
Sir,
I retired on 14/02/2018. How much difference I have to pay
Same i also want to know you have to pay interest upto 2023 or not?
2014 me Modi ji avtaran hua, isliye 2014 event date hai yeh
Kya pension ek sath 10 years ki mil sakti hai
२०१४ के कोर्ट के फैसले के बाद हमने इपिफओ के आदेश के बाद पैसे जमाकर हमारी पेंशन बढा दी थी २२०० मिलती थी बढ़ने के बाद 8200 हो गई थी। लेकिन वो 8 महीने तक मिली और बाद में इपिफओ के केस के बाद वापस 2200 देने लगे। क्या हमको फिर से एप्लाई करना होगा।
आपको EPFO में ये query डालनी चाहिए. EPFO को इस पेंशन को बंद नहीं करना चाहिए था.
Aap ke barabar pension (2200) hamari bhi hai.epfo me kitna paise jama karna padega.aap se ek jankari mil jayegi
Main 2005 Mein retire Hua Mujhe Kitni pension padhakar milegi
Ajay Singh Ham 2014maymemeHamnefhainalhisableleyathakyahamarabhibarsaktahai
Please forget eps 95 with a b bajpai. Now subject is only OPS only.
Complete incorrect information provided regarding reduction in CTC, in both situations current and if opted, employee and employer will provide 12%, the proportion towards PF and Pension will change, how is that related to CTC ?? Dont know why people call themselves certified planner
नई पेंशन लेनी चाहिए या नही. आज मेरी बेसिक पे ९१,०००/- है, तो फिर मेरी नई पेंशन कितनी मिलेगी? NPS में हर साल ५०,०००/- डाल रहा हू, तो फिर NPS सही होगा या EPFO पेंशन ? कृपया बताइए
NPS में निवेश करते रहिए. वहां आप ज्यादा रिटर्न earn कर पाएंगें. साथ ही EPFO ने पेंशन कैलकुलेशन में Clarity नहीं है
EPFO
Totally misguided sr citizen regarding eps 95 pensioner by epfo. No formula of pension .
Ery bhai aap KY Bata rhey h ji .epf pension ka .bhtkaow ki ja rha hy sidhi baat bataao ji ki central government ki pension kaab dooguni ho rhi hy ji. Modi ji government Kab karengy ji
Kisano ki tow doguni hogai ji .?