पेंशन की बिक्री में फायदा या नुकसान | Commutation of Pension is beneficial or not
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- Опубліковано 23 лис 2024
- In this video conversation, we are discussing that Commutation of Pension is beneficial or not, Commutation of Pension Rules, what is commutation of pension, calculate commutation of pension, commutation of pension calculation, commutation on retirement, commutation of retirement benefits, etc.,
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Commutation of Pension Calculation Video
• Commutation of Pension...
Commuted Value of Pension Table:
mkp.org.in/form...
Commutation Factor Table:
www.mkp.org.in/...
#commutation_of_pension
#पेंशन_की_बिक्री
#commutationofpension
#commutation
#pension
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Part 2 of this Video: Income Tax on Commutation of Pension
ua-cam.com/video/JOumQ05WJSM/v-deo.html
Thanks for this good knowledge
😎😎qq
@@KamalSingh-xm4sd q
⁷mjú
@@KamalSingh-xm4sd p0
गजब समझाया श्रीमान !
बहुत मेहनत लगी होगी !!
इस वीडियो को तैयार करने के लिए मैं आपको 10/10 अंक प्रदान करता हूं जी !
धन्यवाद श्रीमान
प्रणाम
बहुत अच्छे तरीके से समझाया। धन्यवाद।
Thanks Brajveer ji
समझ आ गया सर, पहले हम pension बेचने के mood मे नहीं थे.guidance के लिए साधुवाद🙏🙏
घर के खर्चे maintain करने के लिए 100,%पेंशन लेनी चाहिए।
Commuted value of pension (lump-sum) is tax free. Moreover I would rather like to invest this money in property & after 15 years, it would definitely give me much more return.
Very useful information, Thanks
Very Helpful .Perfect Guidance. Dhanyavad, Sir
But Sir, If we fix the commutation amount then TDS will be deducted from the interest amount because for a pensioner form 15G cannot be submitted. You did not mentioned this.
Which bank gives 8 % return in FD? None. Also what about the tax implications on RD /FD ? That factor has not been taken into account. Request to incorporate this factor into commuting pension Pl
गुरुजी आपने व्हिडिओ डालनेमे बहोत देर करदी, मैंने आपणा बहोत नुकसान करा लिया. 👌🏾
मैंने सीनियर सिटीजन में एसबीआई में क्वार्टरली इंटरेस्ट के आधार पर जमा किया अब यह 15 साल के लिए कैसे जमा हो सकता है क्या कोई ऑप्शन है और है तो इंटरेस्ट रेट क्या है
Hehehahahahahhahahahahahahaha
कम्युटेशन ऑफ पेंशन की रिकवरी अब 15 वर्ष की बजाय 11 वर्ष तक ही होनी चाहिए क्योंकि अब ब्याज की दर पहले जब नियम बने थे उसकी तुलना में बहुत कम है। इधर कोई ध्यान ही नहीं दे रहा।
सरकार ने restoration की अवधि 15 साल से घटा कर 13 साल कर दी गई है शायद आपने संज्ञान नहीं लिया है..
🎉 18:27 w
Kya restoration ka period less kar diya hai
Central govt permission chahiye .iske liye " jisko " concern karna hai karo .ap ki mang rakho usase Anya karmchariyonka bhi "Bhala" ho jayega🙏
bt😅
🎙ch
I went for commutation was somewhere pinching me in the core of my heart but now, I am confident that my decision was not wrong in any case as a Banker.
I am pensinor too
Patni ki death k baad family pension le Raha tha mloom nahi tha k second marriage k baad pension nahi le sakte one year ki ziyada pension Li hai Kiya recory hugi Kiya Karu pleas bataye.
It means commutation is an insurance amount which taken by the employee in advice and paying it later
Right
It's very good video taking care of all points. But one important point is left untouched which will change whole calculations. Govt employee need not to pay Income Tax on Commuted value received being part of retirement benefits but if he / she has not commuted the pension than he has to pay Income Tax monthly on the amount of Rs 14000/-. If a person is in 20% slab, so he has to pay Rs 2912/- as Income Tax per month. So her effective pension will be 11088/- per month.
Sir, you are missing one important factor. Amount monthly deducted is reduced from gross salary for I tax. Income tax saved should be taken into account,while comparing.accordingly it will be beneficial to commute.
I am asking you that in that example the man commute 14000 monthly so total 168000 annually, if this amount is added to gross total income of that year for calculating of Income Tax.
No. not at all. The Gvernment either State or Central are exending so many benefits to their employees or pensioners. In such a case, I dont think that the real intention of the authorities is to recover any excess than what actually they granted to the pensioner at any cost that too without framing proper rules or intimation to the pensioner. This injustice caused should definetly brought to the notice of concerned authorities.
No commutation is best. Now housing loan, car loan interest is reduced to around 7%. Make an RD IN post office.
ধন্যবাদ ছাৰ আমি পেঞ্চনৰ বিষয়ে জানিব পাৰি বহুত ভাল লাগিল ৷চাকৰি কৰি থকা অৱস্থাত মৃত্যু হৈছিল ৷
Hello sir plz plz plz reply sir jese kisi emplyess ko during service NPS or jo civil sectriait me job karte hai unko special pay milti hai to ye special or NPS ka banefit after retirement penshion fix hone par bhi iska baneffit milta ha 🙇plz reply sir
Both are different things, special pay is for service only and pension is half of your last basic minus commutation if any , NPS subscriber get 60 percent of total deposit at the time of retirement and rest 40 is given in annuity as pension pm.
सर, पेन्शन विक्री सप्टे 2006 से शुरु हुई और आज नोव्हे 2023 मे 15 साल पुरे हुये..अब कटा हुआ पेन्शन का हप्ता बन होने चाहिये था और पुरी पेन्शन मिलनी चाहिये थी मगर ऐसा कुछ नही हुआ है. क्या बिना कुछ किए वह मिल शकती है क्या..की शासन दरबार मे चक्कर लगाने पडेंगे..कृपया बताये..
Oct 2008 में पेंशन रिवाइज हुई और ii कम्यूटेशन भी रिवाइज हुआ 2008 से 15साल पूरे होना चाहिए
Bahut sunder jaankaari ,Iske liye Shriman ji ko bahut bahut dhanyvad. ... GOD BLESS YOU...
Sir, With due respect I disagree with your calculations. Rate of Interest has been taken as constant from 11th year to 15th year which is not possible. RoI is regularly falling. Moreover your goodself has not considered the fact that the man is mortal. I have seen a number of incidents in which retired persons have died within months of their retirement. So I request you to please prepare a new video in taking into consideration the fact of falling interest rates and the mortality factor. I appreciate your way of presentation. Please ignore if you dislike my suggestion. Thanks and regards...
Thanks Ashim for your valuable suggestion and feedback
Tax liability should also considered. No commutation will increase salary which will make the income taxable. Commutated amount is non taxable
@@hussain68100 but इंटरेस्ट इनकम is taxable
Thank you
11111qqqqqqqqq
Sir mere husaband 17 years ki srvice krke abhi early retire hone wle hai...unhe srf 20 lac rupees retirmnt pr milega..meri 5 years ki beti hai..mai b govt teacher hu .to pls reply kriye husbnd ko commute amout lena chiye ya nhi......because hmare do loan hain..ek unka prsonl loan...ek mera car loan...
Commutation Amount lekar apna khud ka koi Business kr skte hai...
Bahut knowledgeable bat batayi apne sir. Apka tahe dil se dhanyavaad
Which 8% FD gives these day ?
Sir. Manipur mei commutation koto chhoriye dodo tintin saal hochukahei retired hue aaj tak ek bhi paisa nahi mila ek akela mei nahi sab ka ja hi haal hai kiya kia jae samajme nahi aata lekin jiska jan pehchan AG office mei hoto un hai jaldi mil jata hai, dekha jaeto India ke andar corrupt state heto manipur hai.
Video bahut jyada Acha lga . Dout Clear karne ke liye bahut bahut dhanyawad Sir. .
अगर पूरी सर्विस कर रहे है और लगता है की हेल्थ ज्यादा साथ नहीं दे सकती तो 100%लेना ठीक है.....नहीं तो बिना काम के लेना ज्यादा फायदेमंद नहीं है.....
मुझे लगता है ,इसमें बेसिक ही कम किया जा रहा है जिसके कारण DA का loss हो रहा है जबकि पूरी पेंशन बनने के बाद किश्त कटनी चाहिए इसलिए मुझे लगता है कंम्यूट न करना लंबी आयु वालों के लिए सही रहेगा । यह सिर्फ उनके लिए सही है जिनकी मृत्यु 15 साल से पहले होगी ।
खुद तो पेंशन कम लेकर दुख देखो अगर मर जाते है तो साथ थोड़ी जायेगा ओलाद को जितनी सुविधा उपलब्ध कराई जो भी हो कम है
Maut ko kisne dekha hai ye dleel aapki galat hai
बहुत शानदार तरीके से स्पष्ट किया आपने।
सरकार दोनों हाथों से employee को लूटती है।
एक तो commutation की किस्तों पर ब्याज दर बहुत अधिक है। और retired employee से उनके ही पैसे पर ज्यादा ब्याज दर unethical है।
दूसरे -- यदि inflation को भी consider किया जाता है तब तो और भी अधिक नुकसान होता है।
दरअसल repayment of commutation period दस साल से अधिक हरगिज नहीं होना चाहिये।
8% interest kanha milega?
Lic ki Pradhan mantri yojana
पेंशनर की मृत्यु के बाद फैमिली पेंशन कितने प्रतिशत बनती है
Thirty percent of basic pension will get family pension
@@krishansingh9190 है कि पेशनमिलतीह
जी बिलकुल। विश्लेषण के लिए धन्यवाद। मैं पिछले मार्च में रिटायर हुआ कोमुटासन का आधा सोना खरीदा ओर आधा fd। प्रेरणा आप ही का यह वीडियो पहले देखा था।
बहुत बहुत आभार ओर धन्यवाद आपका।
🙏🏵️🙏🏵️🙏🏵️🙏🏵️🙏🏵️🙏
Thanks for appreciation
सर जी वास्तव में ही अपने इतनी अच्छे तरीके से और इतनी अच्छी आवाज में जानकारी दी है कि दिल खुश हो गया है काश इस युटुबूब पर आप जैसे व्यक्ति होते तो हमारे देश की हालत ही कुछ और होती और लोगों को बहुत सारा ज्ञान मिलता भगवान से मेरी यही प्रार्थना है दिल से दुआ है कि आप स्वस्थ रहें अपने परिवार में मस्त रहेंआप दीर्घायु हो
गज़ब जानकारी, आपका बहुत आभार 😊😊👌 वैसे भी आती हुई लक्ष्मी को postpone नहीं करना चाहिए, जो भी अधिकतम मिलता हो ले के अंटी कर लेना चाहिए
अत्यंत हीं महत्वपूर्ण जानकारी के लिए बहुत बहुत शुक्रिया ।
Very very nice bahut hi Achha guidelines diya h me khud 31.8.23 ko 60 Sal Age Puri karke pension jara hu me . Bhi comute ke bare me Achhi tarah se samjh gaya hu
मार्ग दर्शन हेतु आपका बहुत बहुत धन्यवाद
बहुत ही अच्छे तरीके समझाया, इसके लिए आपका आभार।
🌹🙏🙏🌹
बहुत जानकारी दी इस के लिये बहुत थन्यावाद
बहुत सुंदर तरीके से आपने समझाया 👌बहुत बहुत🙏मै रिटायर्ड हूँ पर मुझे इसकी कोई जानकारी नहीं थी, मैने कम्युनिकेट कराया, पर कौनसा? ये जानकारी मुझे नहीं है
Sir, you have put your points vividly. Now, my doubts abouts about the topic are cleared.
1) Agar immediate requirement ho to commutation leke FD kese karega, to ye to lena or interest ke liye FD irrelevant ho gaya. 2) Agar 8% higher rate par invest kar bhi de to jo 15 saal me extra repay karna pada (commuted amt received - repaid in 15 yrs) wo loss bhi to total interest received se minus karna padega to total profit from interest kam ho jayega. So, nutshell me kahen to commutation tabhi opt karen agar immediate requirement ho to, isme profit from interest ya comparison na karen, otherwise loss hoga.
बहुत अच्छी और clearly जानकारी दी गई है। धन्यवाद।
Very high exposure I got from u sir. Am confident to take dicision due to this thank u.
सर, कमुटेशन पर आपका व्हिडीओ लाजवाब. ऐसाही ग्रॅतुईटी कॅलकुलेशन पर व्हिडीओ बनाईये येह विनंती...
आछी गाईड लाइन बतायी सर आपने, लेकीन ये हर व्यक्ती पे निर्भर होगा की उन्होने आपने पैसे को सब्र के साथ कैसे होल्ड करके इन्वेस्ट करना है.परिवार के 4 सदस्य बतायेंगे तो उन्ही के मर्जी से नही जाना और ना कोई व्यसन को पकडना.तोही पैसा बचेगा.
bahut badhiya explained kiya aapne 👍 👍
बहुत सरल भाषा मे और उदाहरण देकर समजणे के लिये आपका धन्यवाद सर..
महत्वपूर्ण जानकारी को विस्तृत और सरल तरीके से समझाने के लिए आपका बहुत बहुत धन्यवाद 🙏🏻🙏🏻👌👍
Thanks
Tks sir for clearing all doubts . It's really useful n informative video .
जानकारी देने के लिए आप का दिल से वहुत वहुत🙏💕 धन्यवाद जी
.
Apne bahut acchi jankari saralta se samjhai hai . Apka dhanyawad !
लाजवाब जानकारी
आप की इस जानकारी के लिए बहुत बहुत धन्यवाद
Sir, aapne bohut hi detail aur saral bhasha mein samjhaya hai, thank you very much sir
Yes commutation is tax free so more beneficial for Govt Employee as explained it's good information and knowledgeable
Thanks
बहुत ही अच्छी जानकारी दी बहुत ही ठीक ढंग से समझाया धन्यवाद
सरकारी कर्मचारियों के लिए बहुत ही सुंदर जानकारी है। दलालों और बाबुओं से काफी राहत। बहुत बहुत थैंक्स गुरु जी👌👌🌺🌺।।
Thank you so much.
sir bahut barhya jankari diya hai. Dhanwad
Very good presentation. Two things may be considered further: income tax and inflation.
Very good information Guruji..Bahut bahut dhanyawaad 🌹🌹🌹🙏🙏😊
बहुत ज्ञान बर्धक जानकारी 🙏
वाह क्या बात है बहुत बढ़िया समझाया है धन्यवाद गुरूजी
वाकई आप गुरु है हमने माना भी धन्यवाद
इतना अच्छा explain करने के लिए आपका बहुत बहुत धन्यवाद 🙏🙏🙏
Well done to aware the Government servant to choose comutation policy for benifit of employees, Thanks,
Very useful information
Thankyou very much
महत्वपूर्ण जानकारी के लिए आप का भी धन्यवाद.
Bahut achchha se aapne samajhaya.iske liye bahut dhanyavad.
sir... you have made a brilliant video explaining what i exactly needed. thank you!
Sir, You explained this topic very beautifully.
Thanks a lot
apko bohot bohot dhanyabad asan tariqe se samjha ne ke lie.
Jai Hind sir , App ka video bahut dhyan se dekha but ye LMC rule me , agar koi Jawan 2022 me P2 Permanente huwa hai, to uske upper bhi yahi rules lagu honge kya sir plzzz reply
श्रीमान आपने सभी बातें बहुत ही अच्छी तरह से समझाई हैं आपका बहुत-बहुत धन्यवाद जी 🕉️🌹🙏
Thank you sir for give a such a useful lecture with example sir ❤❤❤❤
Thank you sir for give a such a useful lecture with example sir❤❤❤❤
बहुत धन्यवाद सुनियोजित सुझाव के लिए ओम नमः
SIR G AAPNE ITNA ACHHI TARIKE SE SAMJHAYA HAI KI DIL KHUSH HO GAYA 😂😂😂😂
Sir, bhut achche trike se aapne bttaya hae🙏🙏
Such accurate analysis outstanding. I have not come across any video so explicit in the area. Wonderful .❤
Wah sir
Kya barhiya her wikalp ke sath jaisa aapne samjhaya wah kafee saral aur prayogatmak ha
Aisa vdo kafee rare hota ha
Commutation amount per Govt DA bhi deta hai usko calculate kijiye kitna profit hota hai. For example mera recovery amount 20000 hai aur mujhe 40000 basic pension per 50% da yani 20000 ki commutation amount per 10000 da milta hai yo mera recovery to 10000 hi hua abhi recovery period 9 saal baqi hai. Calcution 10000x12x9= 108000 yani ki lumsum 11 crore ka fayda hai.
Namaskar Sir, aapke samjhane ka tarika bahut hi badhiya hai meri samaj main aa gya sir . thanks sir
Anek anek Dhannabad sir very good suggestion ak achaa jankari di apne Thankyou sir
Thanks. Sir you claified everything regarding commutation of pension 😊
Thankyou Sir for delivering a very important information to all the govt. employees in a very knowledgeable and in a very easy way.
Hats Off To You Sir !
Good morning sir ji Apne jo Ray di bahut achha hai.
Sir, you missed to take income tax into consideration. If commuted value is invested lumpsum and the income tax saved is also invested for 15 years then in that case Commutation gives better return.
Agar hum fd karake monthly interest le to kaise rahega calculation.. please samjhayiye
Sirji, aapka explanation bahut satik hai, thanks 🙏
Saral tarike se explane karne ka bahut bahut dhanyavad
Welcome
Thanks for your great information on commutation of pension, it is very useful to everyone. Many many thanks again
You are most welcome
Bahut hi badhiya Guruji 🙏🙏
Thanks bahut achha samjaya
Sir very useful calculation which will be benefit to all govt. employee.thanks a lot
So nice of you
Guruji. Aap ne achha informative video banaya hai dhanyawad sir
Thanks for detail information.
This video is very fruitful for retiring employer.
Really a good knowledgable video. Till now I thought that I don't want to opt for the commutation amount but now I am thinking that we can take advantage of that money if we are opting for commutation. Really useful video and I hope that in future also you will upload some other valuable information.. Thank you so much
Glad it was helpful!
बढ़िया जानकारी दी है। आयकर का भी विचार करते तो परिपूर्ण हो जाता।