Category Archives: New pension scheme

NPS स्कीम के तहत हुए ये पांच बड़े बदलाव जान लीजिए, होगा फायदा

पेंशन फंड रेगुलेटरी डेवलपमेंट अथॉरिटी ने हाल ही में नेशनल पेंशन स्कीम में कई अहम बदलाव किए हैं। ये बदलाव स्कीम के तहत निकाले जाने वाले पैसों से संबंधित हैं। वर्तमान में आप एनपीएस यानी नेशनल पेंशन स्कीम के तहत गंभीर बिमारी, बच्चों का विवाह, घर खरीदने या बनाने जैसे कारणों के चलते अपनी 25 फीसदी पैसा निकाल सकते हैं। मगर अब पीएफआरडीए ने परेंशन स्कीम के नियमों में बदलाव करते हुए आपके अपने पैसे तक पहुंचने के नियमों में कुछ बड़े बदलाव किए हैं। एनपीएस के तहत हुए बदलाव निम्न हैं।
1)एनपीएस का पैसा आप तीन साल पूरे होने पर ही निकाल सकते हैं। खाताधारक अपने द्वारा जमा किए गए पैसे का 25 फीसदी ही हिस्सा निकाल सकेंगे।
2) अब आप उच्च शिक्षा पाने या किसी प्रकार की तकनीकी शिक्षा पाने के लिए एनपीएस से कुछ हिस्सा निकाल सकते हैं। पहले आप पढ़ाई के लिए एनपीएस से पैसे नहीं निकाल सकते थे।
3) अब आप नया बिजनेस शुरु करने के लिए अपने एनपीएस खाते से जमा किया गए पैसे का कुछ हिस्सा निकाल सकते हैं। नियम बदलने से पहले तक आप व्यापार के लिए पैसे नहीं निकाल सकते थे।
4) ईक्विटी इंवेस्टमेंट प्राइवेट सेक्टर में मार्केट कैप 50 फीसदी से बढ़ाकर 75 फीसदी कर दिया गया है। हालांकि क्विटी 50 वर्ष की आयु के बाद ही जाएगी।
5) नेशनल पेंशन स्कीम के खाताधारक, पूरे अंतराल में 3 बार ही पैसे निकाल सकते हैं। पैसे निकालने के लिए खाताधरक को एलपीएस ट्रस्ट या सेंट्रल रिकॉर्ड कीपिंग एजेंसी को संबंध में सूचना देना अनिवार्य है।

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Link Aadhar With Pran Number (online or Offline here) , as it is mandatory by Govt

Link Aadhar With Pran Number (online or Offline here) , as it is mandatory by Govt, here you will know step by step.

For Online updates follow these steps

Step 1:- login to nsdl website or click here to login Here.

Step 2:- Fill your id (Pran Number), Password, Enter captcha and then click on Submit.

Step:- 4New page will open, click on👉 update details👉 Update Aadhaar in right corner

Step 4:- In New page fill all fields like आधार नंबर, mobile number, OTP will be sent to you on registered number, fill the OTP and click submit.

You can also do it through app by following the above steps to download app click Here

In this way you can link Aadhaar with Pran Number online.

If you want to link offline Fill the form take DDO sign (must) submit to Distt treasury Office

To download form click Here

You can also do it through app by following the steps

ਕੌਮੀ ਪੈਨਸ਼ਨ ਸਕੀਮ ਨੂੰ ਬਦਲਣ ਦੀ ਕੋਈ ਤਜਵੀਜ ਨਹੀਂ :ਕੇਂਦਰ ਸਰਕਾਰ

ਪੰਜਾਬ ਦੇ ਲੋਕ ਖੇਤਰੀ ਅਦਾਰਿਆਂ ਵਿੱਚ ਨਵੀੰ ਪੈਨਸ਼ਨ ਸਕੀਮ ਲਾਗੂ ਨਹੀਂ :ਪੰਜਾਬ ਸਰਕਾਰ

ਪੰਜਾਬ ਦੇ ਲੋਕ ਖੇਤਰੀ ਅਦਾਰਿਆਂ ਵਿੱਚ ਨਵੀੰ ਪੈਨਸ਼ਨ ਸਕੀਮ ਲਾਗੂ ਨਹੀਂ :ਪੰਜਾਬ ਸਰਕਾਰ

Important guidelines and documents needed for partial withdrawal Under New pension scheme

National Pension Scheme (NPS): Early Exit, Partial Withdrawal And Income Tax Benefits

National Pension Scheme or NPS is a voluntary savings scheme that helps individuals to accumulate savings for the retirement years. According to the current laws, withdrawals are not allowed before the person reaches the age of 60 years or attains the age of superannuation, except in specified cases. Withdrawals from the NPS are income tax exempt if the subscriber withdraws up to 40 per cent of the corpus on reaching the age of 60 years or attaining superannuation. Overall, an NPS subscriber can withdraw up to 60 per cent of the maturity corpus at the age of 60 years or on superannuation. The remaining amount has to be converted into annuity. The subscriber can choose to purchase an annuity for an amount greater than 40 per cent. An annuity is a financial product that gives you periodic income or pension.

NPS early exit

If the subscriber wants to exit NPS before reaching the age of 60 years, only up to 20 per cent of the corpus can be withdrawn and the rest has to be converted into annuity.

NPS – partial withdrawal

NPS allows partial withdrawals for specific purposes before the subscriber reaches the age of 60 years. An early withdrawal is allowed up to 25 per cent of one’s contribution. In addition, the subscriber is allowed to withdraw a maximum of three times during the entire tenure of subscription under NPS. Partial withdrawals allowed at an interval of not less than a period of five years.

Subscribers after 10 years become eligible for an early, partial withdrawal under specific circumstances such as children’s higher education or marriage, construction/purchase of house and treatment of critical illness (for self, spouse, children or dependant parents).

Withdrawal of 25 per cent of the contribution made by a subscriber has been exempted from income tax, according to Budget 2017. This change will take effect from April 1, 2018 and will accordingly apply in relation to the assessment year 2018-2019 and subsequent years.

NPS income tax benefits

Income Tax Benefits For Salaried Individuals

An investment up to 10 per cent of salary (basic + dearness allowance) is deductible from taxable income under Section 80CCD (1) of the Income Tax Act in a financial year, subject to a limit of Rs 1.5 lakh under Section 80C.

Additional NPS income tax benefits for salaried individuals

An additional investment up to Rs.50,000 is also deductible from taxable income under Section 80CCD (1B).

Contribution routed through employer

Under the NPS corporate model, an employee can deposit the contribution directly or route the contribution through the employer he or she is working with. For investment routed through employer, the employer’s contribution to NPS up to 10 per cent of basic salary (plus DA) is allowed deduction under Section 80CCD (2). There is no cap for this deduction but the total deduction claimed for contribution by the employer should not exceed 10 per cent of the salary.

Self-employed professionals

For self-employed professionals, investment up to 20 per cent of gross annual income is deductible from taxable income, subject to a limit of Rs 1.5 lakh. In Budget 2017, with an aim to bring parity in tax benefits, this limit for self-employed professionals was increased to 20 per cent of gross income, from 10 per cent earlier. This amendment will take effect from April 1, 2018 and will accordingly apply in relation to the assessment year 2018-2019 and subsequent years.

Additional income tax benefits for self-employed

Additionally, an investment up to Rs.50,000 is deductible from taxable income under Section 80CCD (1B) of the Income Tax Act, 1961.

Post source NDtV news