New Delhi, Nailur 20: Ha ka sienjam ba kongsan ban pynkhlain ia ka jingshngain ba jrong samoi ha ki kam pisa pilain bad kyntiew ia ki jingmlien ban sdang kham kloi ia ka jingkynshew pisa, ka Myntri ba dei khmih ia ka Tnat Kam Pla Tyngka, ka NirmalaSitharaman ka la pliepaidbah ia ka skhim National Pension System Vatsalya (NPS Vatsalya) .
La pynbna ha ka Mang Tyngka 2024-25 ha ka 23 tarik Naitung 2024, la saindur ia kane ka skhim bai bam tymmen tang na ka bynta ki heprit, kaba long ka jingkiew shaphrang ha ka jingpynkhreh ha ki kam pisa bad ka jingbuh ia ka jinglong jingman kaba thymmai na ka bynta ka jingsngewthuh ia ka jingpynkhreh ia ki kam pisa naduh ba dang rit ka rta.
Ia kane ka skhim kynshew pisa bad bai bam tymmen, la khmih da ka Pension Fund Regulatory Authority of India (PFRDA), kalong ka jingkiew shaphang ki sienjam jong ka sorkar ban pyniar ia ka jingpynkhreh ia ki kam pisa bad ruh ka jingshngain ha ki pateng bapher bapher.
Da kaba phaikhmat sha ka jingai ka bynta ba ryntihia ki pateng bapher bapher, ka NPS Vatsalya ym tangba ka thmu ban iada ia ka lawei jong ki heprithynrei ka kdew ruh ia ka jingdonkam ban don ka jingmlien ban kynshew pisa naduh ka rta ba dang khynnah.
Hapoh ka skhim NPS Vatsalya, ki kmie ki kpa ki lah ban bei tyngka T. 1,000 shi bnai ha kaba ym don pudkatno lah ban kynshew, da kaba pynshlur ban kynshewpisa na ka bynta ki khun jong ki.
La saindur ia ka skhim ban khmih da ki kmie ki kpa tad haduh ban da dap 18 snem i khun, ha kaba ka account ka kylla noh sha ka kyrteng jong ki khun.Ynda ki la heh la san, ia ka account lah ban pynkylla sha ka NPS account lane kawei pat ka skhim bym dei ka NPS.
Lyngba ka jingkular ia ka jinglang ka spah lyngba ka sut, ka NPS Vatsalya ka thmu ban pynbiang ka lawei kaba don burom bad kaba shngain ha ka pisa pilain na bynta kito kiba thep pisa, kaba iahap bad ka jingkut jingmut jong ka sorkarna ka bynta ka bha ka miat ha ki kam pisa.
Hapoh ka skhim NPS Vatsalya, baroh ki khynnah haduh 18 snem ka rta ki lah ban plie account. Ia ka account lah ban plie ha ka kyrteng jong i khynnah bad pyniaid da ki nongsumar jong ki haduh yndarangbah ki khynnah, kaba pynthikna ba i khynnah ilong i nongioh jingmyntoi marwei ha kane ka kam baroh.
Lah ban plieia ka account lyngba ki Points of Presence (PoP) bad ka Pension Fund Regulatory and Development Authority (PFRDA). Kine ki PoP ki kynthup ki bank ba heh, India Post, bad ki pension fund, ha ka rukom online bad kaba leit hi dalade ban plie account.
Na ka bynta kito kiba jiedia ka online, ka rynsan eNPS jong ka NPS Trust ka pynbiang ia ka rukom kaba suk bad kaba shngain ban plie ia ka account. Lah ban ioh ia ka thup ba pura jong ki PoP ba la rejister ha ka website PFRDA.
Ban plieia ka NPS Vatsalya account, ki kot ki slaharumkilong kiba donkam:
- Ka jingpynshishaia ka tarik kha na ka bynta ki heprit: Na ka bynta kane donkam ia ka Syrnot sngi kha, ka School Leaving Certificate, Matriculation Certificate, PAN, lane Passport.
- KYC jong u Nongsumar:U nongsumarudei ban ai ka jingpynshishana ka bynta lade bad ka jaka sah, ba kynthup ia ka Aadhaar, Driving License, Passport, Voter ID card, NREGA Job Card, lane ki kot ki sla ba iadei bad ka National Population Register.
- Ka Permanent Account Number (PAN) jong u Nongsumarlane ka Form 60 declaration, katkum ka Rule 114B.
- NRE/NRO Bank Account (marwei lane iasohlang)jong i heprit, lada jia ba u nongsumarudei u NRI (Non-Resident Indian) lane OCI (Overseas Citizen of India).
Ka skhim NPS Vatsalya ka plie lad ban ai ki jingsiew kiba laitluid ha ka account:
- Ka jingtheppisa ha ka por plie Account: Donkam T. 1,000 ba duna eh ban plie ia ka account, ha kaba ym don pudkatno lah ban kynshew pisa.
- Ki jingtheppisahadien: Donkam T. 1,000 ba duna eh ha ka shi snem, bad kam don pudkatna ki briew ki lah ban kynshew pisa.
Ki nongsumar ki lah ban jiedia ki Pension Fund bapher bapherkiba la kyntiew kyrtengbad ka Pension Fund Regulatory and Development Authority (PFRDA) na ka bynta ka jingpeit ia ki jingbei tyngka.
Ki don lai tylli ki lad bei tyngka ba kongsan:
- Ka Default Choice: KaModerate Life Cycle Fund (LC-50), kaba mang 50% jong ka jingbei tyngka ha ki equity.
- Ka Auto Choice: Hapoh ka Auto Choice, ki nongsumar ki lah ban jiednalai tylli ki Lifecycle Fund katkum ka jinglah shim jingma jong ki. Ka Aggressive LC-75 kamang haduh 75% ka jingbei tyngka ha ka equity, kaba iahap bad kito kiba kham lah ban shim jingma. Ka Moderate LC-50 ka mang 50% ha ka equity, kaba ai ka rukom ba ryntih. Na ka bynta kito kiba kwah ia ka rukom treikam ba pura, ka Conservative LC-25 kamang 25% ha ka equity, kaba pynduna ia ka jingma ha ryngkat ka jingplie lad ban kiewshaphrang.
- Ka Active Choice: Hapoh ka Active Choice, ki nongsumarki don ka bor halor kumno ki mangpisa ha ki saw jait ki jingdon jingem. Ki lah ban bei tyngka haduh 75% ha ka equity na ka bynta ka lad ban kiew kham sted, haduh 100% ha ki corporate debt ban don ka jingskhem, haduh 100%ha ki security jong ka Sorkar ban don ka jingshngain, bad haduh 5% ha ha kiwei kwei pat ki jingdon jingem khnang ban don ka jingpher. Kane ka lad ka shah ia ki nongsumar ban jied ia ki rukom bei tyngka katkum ki thong jong ki ha kaba iadei bad ka pisa bad ka jingah jong ki ban shah ia ki jingma.
Ynda i khynnah i la kot 18 snem ka rta, ka NPS Vatsalya account ka kylla sha ka NPS Tier-I (All Citizen) model. Kum shi bynta kane ka kam, dep ban pyndep ia ka KYC ba thymmai hapoh lai bnai naduh ka tarik ba dap 18 snem.
Shisien ba ka account ka la kylla, ki bynta, ki jingmyntoi, bad lad ban mih noh kiba don hapoh ka NPS Tier-I All Citizen Model kan sdang treikam, kaba wanrah ia ka jingbteng jong ka jingshngain bad ki lad bei tyngka ia ki briew.
Ka skhim National Pension System Vatsalya (NPS Vatsalya)kadei ka sienjam ba kongsan ban kyntiew ia ka jingshngain ha ki kam pisa pilain bad kyntiew ia ka rukom ban kynshew pisa naduh ka rta ba dang khynnah.
Da ka jingwanrah ia ka skhim bai bam tymmen ba kyrpang na ka bynta ki heprit, ka sorkar ka thmu ban pynthikna ba ki khynnah ki don ia ka jingmlien ban kynshew pisa bad ioh jingmyntoi na ka pisa ba la lang la slem lyngba ka jinglang ka spah namar ka sut.
Lyngba ki lad theppisa ba suk bad ki lad thep pisa ba bun, ka NPS Vatsalya ka plie lad ia ki nongsumar ba kin jied ia ki rukom bei tyngka jong ki katkum ki thong jong ki kiba iadei bad ka pisa bad ruh ka jinglah ban shah ia ki jingma. Haba ka account ka kylla sha ka NPS Tier-I model haba ki khynnah ki la dap 18 snem ka rta, ka bteng ban ai ka jingshngain ha ki kam pisa bad ki lad bei tyngka.
Kane ka sienjam ka pyni ia ka jingkut jingmut jong ka sorkar ban pyniar ia ka jingpynkhreh ia ki kam pisa bad pynthikna ka lawei ba don burom ia baroh ki nongshong shnong, kaba la wanrah ia ka bha ka miat ha ki kam pisa na ka bynta ki pateng bapher bapher.
