Retiring With NPS: Ab 80% Tak Withdrawal, 85 Saal Tak Investment – Private Employees Ke Liye Kya Badla?
Private sector employees ke liye National Pension System (NPS) se judi ek bahut badi update aayi hai. PFRDA (Pension Fund Regulatory and Development Authority) ne NPS exit rules ko zyada flexible bana diya hai, jisse ab retirement ke time zyada paisa haath mein milega aur investment ko 85 saal ki age tak continue kiya ja sakta hai.
Agar aap corporate job mein hain aur NPS mein invest kar rahe hain, to ye changes aapke retirement planning ke liye kaafi important hain.
1. Retirement Par Higher Withdrawal Limit
Sabse bada change ye hai ki ab non-government (private) employees retirement ke time apne NPS corpus ka 80% tak lump sum withdrawal kar sakte hain.
👉 Pehle rule kya tha?
- Sirf 60% lump sum
- Baaki 40% annuity lena compulsory
👉 Ab kya hoga?
- 80% cash withdrawal
- Sirf 20% annuity compulsory
Example:
Agar aapka total NPS corpus ₹15 lakh hai:
- ₹12 lakh (80%) aap cash nikaal sakte hain
- ₹3 lakh (20%) annuity plan mein jayega
Isse retirement ke time liquidity aur financial control kaafi better ho jaata hai.
2. Chhote Corpus Walon Ke Liye Full Withdrawal
PFRDA ne chhote investors ko bhi relief diya hai.
- Agar aapka total NPS corpus ₹8 lakh ya usse kam hai
- Aur aap 60 saal ke ho chuke hain ya 15 saal ka contribution complete ho gaya hai
👉 To aap poora paisa withdraw kar sakte hain
👉 Annuity lene ki koi zarurat nahi
₹8 lakh se ₹12 lakh ke beech corpus hone par:
- ₹6 lakh tak lump sum nikaal sakte hain
- Baaki amount annuity mein invest karna hoga
3. Ab 85 Saal Tak Invest Kar Sakte Hain
Pehle NPS mein investment continue karne ki ek limit thi.
👉 Ab naye rules ke under, aap 85 years ki age tak NPS mein invested reh sakte hain, agar aap chahen to.
Ye option un logon ke liye useful hai jo:
- Withdrawal delay karna chahte hain
- Tax planning better banana chahte hain
- Turant pension ki zarurat nahi hai
4. Death Ya Missing Case Mein Kya Hoga?
Agar subscriber:
- Withdrawal ya annuity se pehle death ho jaati hai
👉 To poora NPS corpus nominee ya legal heir ko mil jaayega.
Agar subscriber missing ho aur legally dead presume kiya jaaye:
- 20% amount interim relief ke taur par diya jaayega
- Baaki paisa Bharatiya Sakshya Adhiniyam, 2023 ke under legal confirmation ke baad release hoga
5. Government Employees Ke Liye Koi Change Nahi
Ye saare changes sirf private / non-government employees ke liye hain.
👉 Government employees ke liye:
- 60% lump sum
- 40% annuity
ka rule pehle jaisa hi rahega.
Conclusion
NPS के नए नियम private sector कर्मचारियों के लिए बड़ी राहत हैं। अब रिटायरमेंट पर ज्यादा पैसा हाथ में मिलेगा और निवेश को 85 साल तक जारी रखने की सुविधा भी मिलेगी। इससे रिटायरमेंट प्लानिंग ज्यादा flexible और practical हो जाएगी। अगर आप NPS में निवेश कर रहे हैं, तो इन बदलावों को ध्यान में रखकर अपनी financial planning ज़रूर अपडेट करें।
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