All you need to know about NPS (National Pension Scheme) by CA Rachana Ranade

National Pension Scheme (NPS), a government-sponsored pension scheme, was launched in January 2004 for government employees. It was opened to all sections in 2009. A subscriber can contribute regularly in a pension account during her working life, withdraw a part of the corpus in a lumpsum and use the remaining corpus to buy an annuity to secure a regular income after retirement.
Pension Calculator - www.npstrust.org.in/content/pe...
What is covered?
00:00 - Start
00:34 - Introduction
01:05 - What is NPS
02:00 - Why invest in NPS
03:09 - When to start saving for your retirement
05:51 - FAQ's about NPS account
06:27 - How is the structure of NPS
09:33 - Who are the NPS Pension Fund Managers
09:54 - Who are the NPS Annuity Service Providers
10:09 - Where does NPS invest
11:10 - What are the Investment choices under NPS
11:22 - What is an Active choice under NPS
12:58 - What is an Auto choice under NPS
14:16 - FAQ's about Investment Choice under NPS
15:06 - When can I Exit from NPS
16:41 - Can I withdraw partially from NPS Account
17:53 - What are the types of accounts under NPS
19:00 - What is the Taxation category of NPS
20:12 - What are the Tax Benefits for NPS
22:04 - Conclusion
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#NPS #NationalPensionScheme #CARachanaRanade

[@CARachanaRanade]

Have you done your retirement planning?

[@anaghkarmarkar9100]

No madam, I am just 17😂😂. But ya I should really think about it.

[@CARachanaRanade]

@@anaghkarmarkar9100 start immediately when you get your first salary!

[@anaghkarmarkar9100]

@@CARachanaRanade ok ma'am . Sure . I will surely do it 👍👍☺️

[@learnpunjabi6281]

yes mam i m govt. employ

[@gopalakrishnans2003]

I am 31. (Private Sector). Yet to start. Never too late..???

[@madhavasrockband]

I heard about NPS for the very first time, only through your video! and second thing that i did, opened my NPS account :-)

[@aryabhatt8896]

Arey sir aaplog idhar.

[@suhaskrishna6455]

Which NPS account have u opened prabhuji

[@mohammadabdulrizwan5897]

Mam I'm a CA Inter student..and honestly you gave a lot more knowledge than I expected through this video..lots of love

[@SEJAL.MISTRY]

Same here🤟🏻 , i feel better listening to mam for FM and get clarity

[@saumitragosavi3344]

Mam Aaple Audit che Lectures aahet ka Pendrive??

[@nizamshn]

Hi Rizwan...Since you are a CA student please think about my doubt also...Interest rates are going down every year. If we take pension after 20 year , may be you will have 1 crore at that time how much pension will get? If you take pension now you will get good money according to your capital. My friends they started taking 2 year back pension , they got good rate.But now rate came down compare with 2 year back.

[@ManishYadav-ck6ki]

Kt

[@TheIndianVCC]

What is HUF

[@mathebulamkhize876]

Interesting , the stock market is currently experiencing a decline while bond yields are on the rise. However, there seems to be skepticism amongst investors regarding the Federal Reserve's plan to continue increasing interest rates until inflation is stabilized. As for myself, I find myself at a crossroads, uncertain whether to liquidate my $250,000 stock portfolio. I'm seeking advice on the best strategy to capitalize on this current bear market.

[@mystic.saurav]

I love the way how you are making people financially literate 👍🏼

[@navneet2649]

Pls make a part 2 video on this covering questions like - comparing NPS with other investment opportunities like mutual funds, FD etc and analysing for which type of people which investment is best suited! And is NPS recommended for everyone? Etc 🙏

[@malayganguly9846]

I'm 60 and first time one who explains NPS so clearly. Thank you Rachana, you are really good.

[@swapsakpal08]

too late

[@arun8685]

Do something for your grandkids

[@Hrdy022]

Use "mam" i.e Rachana mam

[@dattatreyapujar4068]

When did you start investing mam? What suggestion do you want to give me regarding financial planning?(I am in my 20's)

[@dattatreyapujar4068]

@@Hrdy022 Come on, Malay is at 60. Not so serious please.

[@bhawanasharma8731]

Thankyou so much for making me financially literate,there was so much I didn't know which I feel I should have known, but as you said in one of your videos that we women think that finance is just not my thing! i too thought that way till I came across your channel ,the ease with which you explain things, the structure of your content and of course your excellent command on language makes it a one stop solution for all your financial knowledge, keep growing, keep educating ,you are doing a commendable job!!

[@andstewart9982]

Investing is buying yourself a better future you don't have to work hard again.

[@kelvinl.3875]

You can say that again.👍

[@kelvinl.3875]

I have archived many things in my life since I started investing.

[@andstewart9982]

@Goodson Thomas Real Estate investment has proven to be the best.

[@andstewart9982]

Real estate investment let people grow their net worth by amassing more and more properties. It is a good long term investment due to appreciation.

[@clintonj.johnson9879]

@Alex Stein The Crypto market has been good news, people in it are seeing a great return.

[@herstory4768]

It was like attending a commerce class for free! I want to thank you for adding value to my life. Loving your personality too!

[@anupamatewari9726]

Thank you Rachna,depth knowledge you have

[@vinaya2084]

The Marathi connects & contexts are Great !

[@GRK427]

I know everything about NPS except complete picture of active and auto and even checked with many friends and got various answers.... finally got clear answe with chart explanation.... thanks mam ....

[@DVMTeja]

VERY GREAT EFFORTS BY YOU AND YOUR TEAM. DEFINITELY A TREASURE FOR ALL CITIZENS OF INDIA. BEST WISHES TO ALL THE TEAM AT CARR. I HAVE UTILIZED THIS VIDEO AS A REFERENCE FOR UNDERSTANDING THE BASICS OF NPS.

[@keyurpatel7721]

Oh my god this was so so informative! Really learnt a great deal about NPS! Btw you caught me the first time you asked us to pause and then asked to wait 😂

[@sarthakkukreja]

I have a question regarding partial withdrawal of amount. you said that 25% of contributions can be withdrawn. so can a subscriber withdraw 25% of only his own contributions or 25% of his own plus his employer's contributions? and one more thing 25% of amount includes CAGR or does it mean contributions without any CAGR I.e. 25% of capitalized/ increased amount or basic amount?

[@agamjain4589]

@@sarthakkukreja you can withdraw from your own contributions i. e. amount added from your pocket.

[@laxmimaurya2210]

Thank you in tonnes! This is what I needed! I had zero knowledge on NPS before watching this video. Thank you so much!!! Now I can say I am in a lot better state of understanding NPS! God Bless You!

[@sidharthragavendran7636]

Hello Rachana, I really thank you for this wonderful informative video. I was scratching my head before watching this and now I have a very good understanding of NPS. I don't think the people who worked/works with NPS can explain the process like you. I appreciate everyone's time who worked with you to prepare this video.

[@danieljamal3709]

Investing in the stock market is the most common way for beginners to gain investment experience.

[@henrygarcia1792]

The decision to invest is an acknowledgement that it comes with certain risks. Not all investments will do well and some may lose money. However, without risk, there would be no opportunity to potentially earn the higher returns that can help you grow your wealth.

[@veramonique1724]

To manage investment risk, consider maintaining a broad diversification of your investments that reflects your personal risk tolerance, time horizon, and the nature of your financial goal.

[@danieljamal3709]

Remember, diversification is an approach to help manage investment risk. It does not eliminate the risk of loss if security prices decline. Because investing can be complicated, consider working with a financial professional to help guide you on your wealth-building journey.

[@gilbertharold9762]

who would you endorse ?

[@danieljamal3709]

I’ll recommend Tamara Diane Hagan for you, her strategies is working for me for months now and I’m making good profit from the stock market and she's 100% honest, reputable and trustworthy

[@dahagamsaketh5429]

Hello Mam, please make a part 2 video explaining more about tax implications on maturity/withdrawal of NPS.

[@rohan.tilkar]

First one to explain NPS in so much details

[@rishi3822]

ETMoney bhi accha sa vdos banatha hein... Check it out 👍🏼

[@tusharsaraswat]

AssetYogi didi way before and even better in hindi.

[@simplykrish9]

Jus coz u saw one video doesn't mean this is d best video

[@surajmurali5466]

I am really thankful to you. I am only sad, that though this NPS is from 2009, unforuntate that so many people are not knowing this. This is the state of education in this country. We are not educated on financial planning at schools and colleges. We get to know this through youtube !!

[@kdurgiya]

Very nice video, explained things in concise and (for the most part) in simple ways, thanks !

[@lalitpardhi1705]

Loved the intro... your videos just keep getting better

[@sourabhdeshmukh9153]

You should make video on Inflation, that will help people think about their retirement, It will tell how come their 15000/month cost of living in April 2021 will change to 221000/month in April 2056, with 8% inflation/annum for 35 yr, One more request, make a video on investment in """Mutual fund vs NPS tier 2""" and discuss their exit load and charges of AUM etc....

[@politeboy92]

I guess we don't have 8 percent inflation and I guess we will never have 8 percent continously for so many years. For developing country like India inflation of 3 percent is good

[@rsrithvik]

Considering 6% inflation is fair enough but also it will entirely depend on the upcoming governments.

[@vishnugupta2050]

@sourabh ji : That's the very genuine concern ..

[@prashanthkumar6871]

The video was very nice and so far I have gone through so many videos about NPS but this is the best...

[@TheSiddhartha2u]

Thank You for this video. After watching this video, I have created my NPS account. Thanks once again for being a great teacher.

[@santhoshgowda7804]

1 hour back I was calling my friends to ask about NPS, and here you're ❤️

[@deekshaaggarwal2721]

Same

[@santhoshgowda7804]

@@deekshaaggarwal2721 👏👏

[@TheKaushik213]

Can you make a detailed video on annuity and if it is really the suggested option for retired people or are there better options.

[@radhakrushnadharmadhikari8429]

Very simple but informative presentation of NPS, thanks a lot!

[@rovil_hodophile]

Loved it maam, when you mentioned the dialogue from "Natasamrat"...

[@jituchoudhary2622]

Today I apologise myself that I was wrong to choose science becoz money is only the thing that taught in commerce

[@Gurpreet-cy9bw]

I am a commerce student and believe me they don't teach you to manage your finances.

[@_MadDictator]

I think why i didnt learn science subject. All subject are good

[@NitishKumar-jo8oo]

Believe Me " Doosre Ki Thaali Me Khana Sabko Accha Lagtaa Hai"🤧

[@nirmalkumar-rj1ey]

They also don't know

[@santhithamaraikannan6245]

Ohh! even I felt the same.. why didn't I choose commerce over science ?!

[@salahabuddy]

Thank You Rachana for your wonderful detailed video on NPS.

[@Relaxing_Rhythm]

One of the detailed videos I've come across. Thank you.

[@anu1956]

No one can explain the way you do it Rachna ! God bless you !

[@anandrathore2914]

True.

[@Aavya_Chavan]

Thank you ma'am, I recently came across NPS investment and wanted to know more about it. This video was very informative and also cleared many of my doubts🙏

[@anweshjami6427]

This one video clears all my queries on NPS.

[@sujathasvsteluguvaramandi9211]

Mam really appreciate your hard work, you tried to explain all details on NPS in single video in a simple manner 🎉🙏👍

[@TheRizwan7766]

How to open

[@stuffdj1778]

I m not a CA or MBA student But after watching ur vdos I think I didnt need degree to make smart decisions (financial) in my life.

[@jotwanikumar]

Correction at 5:28, The calculator shows 43lakhs, but you mentioned 4.32lakhs. I agree to you that the amount compounded is higher when invested early

[@bhavpreetsingh007]

The video is made very clearly, so simple and straightforward. Kudos to you Rachana, you are really making a difference :)

[@saranyaagoram8716]

This is the first video of yours I am seeing.. Totally in love with the way you are explaining things!!

[@devduttamte2783]

Conclusion: share with friends and family, like and subscribe. Jai Hind!

[@shwetaeknathnaik6544]

Can we have a similar video on ELSS?? Ur videos are very helpful

[@rohanpati]

GOD bless you for sharing this knowledge. Really appreciate your efforts.

[@aritraroy1014]

Exceptionally explained!! I'm a total newbie, and this helped a lot

[@vaibhavpatil3672]

Thanks Rachna mam I'm doing Job in Our Paramilitary Forces and 1st time I clearly Understand this term.... Jai hind Jai Maharashtra....!!!

[@muralidharrao2711]

Excellent video 👌 Thanks a lot. 2 suggestions: 1. Comparision of NPS as an investment with alternatives would have added more value. 2. Conclusion was empty. Only information we got was that it was heavy 😃. You may want to summarise and provide a few bullet points. Meanwhile thanks a lot again for presenting the basics of NPS 👏

[@ashishraina5637]

Alternative she won't tell as this is sponsored

[@alkachaudhary6768]

I want to thank you for all valuable information given for common people like us .

[@shanmugavalliganesan7702]

Thank you so much Rachana, well explained and easy to understand

[@rajeshgupta5138]

Ma'am after the age of 60th What is the effect of inflation rate in this system

[@otherthanearth]

This is the game😂

[@JaiprakashTiwarijptiwari1985]

You have not mentioned anything about the nominee . If possible please put the details in the comments. It will be a great help.

[@0mkarMirkar]

All that can be found in form while filling the form.

[@booksfrommyeyes]

You can have up to 3 nominees.

[@captmandarrpatil]

Very nicely and simple made video to understand NPS. Thank you Rachana

[@shivamsoni6144]

complex process explained in a very simple way. Thanks🙂🙏🏻

[@sunilmiift2465]

Thanks for the video. being employed, it helps with 80CCD(1B), but rather stay away from this & stick to my own investment in mutual funds. I find NPS far more restrictive. Given the bulk is taxed, might as well have our flexibility on how to save & deploy the corpus at our will. Thanks for making this video, definitely useful.

[@vaibhavsharma3693]

Can you please share maximum investment limit for TIER 1 and 2?

[@lillychawla9079]

Yeah I also feel it very restrictive. We can not withdraw money till 60 then after that also, we cant withdraw fully. But the catch is tax saving, people can save extra 50K through 80CCD. What is the alternative? How to save tax more without NPS?

[@pawas4321]

Ma'am I have a question, are the returns from NPS guaranteed? What if someone has taken maximum exposure to equity and the moment he turn 60, unfortunately the stock market crashes?

[@anupriyaap5461]

Thank you Ma'am for providing so very useful information. very fruitful knowledge.

[@xavabhinav]

Thanks for the detailed examination, Rachana. First video of yours I'm watching. Impressed. Subscribed!

[@prachi8e6]

Good stuff! Thanks Rachana, thoroughly enjoy your videos. Question- like PPF, earlier the better applies here as well? Also, if I forgot to invest 50K in Apr, then in May by what date should I invest so as not to loose on that month's interest (is there any such cut off date like 5th of each month for PPF?

[@kushalsharma3718]

PPF is govt backed and NPS is market linked. So I think it won't much affect if you do it after may the 5th. Nevertheless sooner the better coz u have your money invested and working.

[@prachi8e6]

@@kushalsharma3718 achha, makes sense. Thans

[@shamarb3627]

Love you Rachana.. I was looking for this since long time.. I am a techie.. you are dragging me to finance :-)

[@shrutipatil2037]

You explain so well!!!! Thank you very much, it helped a lot!!!!!!

[@vijaybodkhe8379]

Thank you very much for sharing.

[@traderV07]

Mem please make video on dividend record date, ex -date/dividend, book closure date. Please...🙏

[@gautam.k.shetty165]

'Chilling at some beach at Konkan or Hawaii'...is how every COBRA friend of mine describes a vacation. It's either Konkan or Hawaii and nothing in between...

[@chandan19888]

Thank you for explaining NPS in detail. 👍🏻

[@sonambahuguna9029]

Thank you so much mam for explaining the topic in such a lucid manner ... I have an exam and this video helped me a lot ... Thank you 😊

[@nregsgoviou2463]

Hi Ma'am, I have few doubts. 1. Which fund house would be the best among these? 2. Can we change the fund house in future? 3. Do we have to select the annuity plan from the very beginning?

[@theexperiencedrecruiter]

Great Video. Could you also help with difference between corporate NPS and Individual NPS?

[@aidandsilva5242]

I must say Rachana i am amazed at the way you bring out your you tube videos....they are simple to understand, they are very helpful..i wish you were around some years ago when i could have learnt all about your teaching ..but then i am sharing all this with my kids who are in their early 20s and some of my nephews nieces and their friends so they can benifit from all your hardwork. I sincerely wish you all the best and God bless you for this kind gesture to share your knowledge and also the training that you have for so many unpuds like me..smile.. God bless and will continue to follow your videos and if i do get a chance to meet you i will be truly honoured. Ian Dsilva Mumbai ...love to come to Pune sometime.

[@TheDeamzdoll]

that start was commendable, SALUTE🙏🏻

[@ramanarora9094]

5:28 Seconds - total amount invested is 43,20,000 not 4,32,000.

[@shekharreddy784]

Yes correct

[@Vasusahu9]

Thanks... I was shocked when heard that.

[@bhav5109]

One zero after numbers can make huge difference

[@abhijeetkashyap9155]

Ma'am what if the person passes away in the middle? Will the lump sum corpus be given to the Nominee?

[@flaviabhattacharjee2237]

I had the same question

[@soumyadeep8675]

Lol

[@niteeshbihade1789]

Thank you! This was quite comprehensive.

[@kirtikachouhan1861]

U r fabulous...nps is tricky for me but now...i understood ....thanx alot...nicely explained by you...

[@rajdeeppaul1887]

1.Can I change the amount midway in NPS ? 2. Can I stop investing midway?

[@sushanthgoud4200]

Damn, I checked this channel for NPS literally 2 days ago, then moved to other nps videos. This lady surely knows telepathy. 🙏

[@9611279300]

thank you for the clear and concise information , appreciated!!!

[@turnontheheat1263]

Gold.. Absolute gold of a video. Loved it.

[@allrounderguy7723]

I am a government employee and NPS is mandatory for government employees as you know. I have a request to you that please make a seperate video of difference between NPS and OPS (Old Pension Scheme). And also educate us to understand that which one is better.

[@rahulbobade6781]

Definitely old pension scheme is far better than NPS. NPS is scrap shit for Govt employees. BJP is known for anti govt policies.

[@2441979D]

OPS is better than NPS. OPS gets pension as per your grade and almost no deduction from your salary while employed. NPS is your money which govt is investing here and pension is also not good. It is good for govt but not good for govt employees.

[@Starshine496]

​@@2441979Dyes correct 👍

[@LalitSharma-zt9pw]

As always learnt so much. Was expecting a suggestion as to should you or should you not invest in NPS?

[@shivanichakravorty5951]

Wonderful explanation..thankyou.. Keep making more videos

[@bharat2491]

Thanks Rachna, you covered almost everything, with sufficient details in minimum time. I was particularly looking for the part where Corporate NPS contribution can save more tax for employeed person (upto 7.5 lacs?) which I found missing.

[@darshaningale7187]

Excellent video. Thanks for valuable tips.

[@shaliniagarwal6187]

Ha ha ha! Besides imparting good knowledge; you make it funny too! Love it...

[@abhishekrathor4389]

Can we increase the amount in mid period like in my 30s or 40s my salary is increased and I want to increase the investment in NPS

[@Traveldiary1986]

My god you are amazing, that much knowledge was so beneficial for me before I invest for NPS, thanks

[@amolmali3583]

खूप चांगला विडिओ रचनाजी. खूप धन्यवाद आणि पुढील वाटचालीस भरपूर शुभेच्छा - एक पुणेकर [मुक्काम पोस्ट हिंजेवाडी] :) Indeed it was very helpful information. Thanks for sharing such good stuff.

[@deadnight700]

The downsides I see with NPS is the lock-in for 60yrs and the forced annuity component. People don't have access to their money.

[@vinaymaturi8761]

True. One can't have a hold on 40% of their money. Crazy and annuity is taxed 🙏

[@shravanareddy1]

That's not the downside. The product is designed for that very purpose (to have a "pension"). if that does not work for you and you will need to have all the money then, a product like PPF is good for you or opt for MF

[@zubearmustafa1571]

Few pointers as I am still confused what decision should I take between NPS or MF: 1) 60% can be withdrawn and 40% is in annuity which would be taxed but if we invest in MF then even those are taxed for capital gains. 2) And yes lock in period is for 60 years of age but I see a meaning where getting 1 golden egg per day is better than slaughtering the whole chicken.

[@sushmitgaur8537]

@@shravanareddy1 can I have both PPF(1.5 Lakh) and NPS(Rs 50,000) ?

[@Surkhruu]

@@sushmitgaur8537 yes. Under 80CCD (1B), we can invest 50k in NPS above the 1.5 lakhs which are done under 80C.

[@Sabyasachi37]

Thank you for your guidance. Still have few questions regarding nps scheme. 1. Possible to add nominee, 2. Any death benefit to nominee

[@yugarya3976]

Yes... U can add nominee online

[@sreelekhavenugopalan5786]

Thank you so much rachana mam,the way you explain layman like me can understand,, continue with such informative videos

[@sharmilakolli4869]

Clearly explained! Thank you!

[@vivekduklan7816]

Mam you haven't talk about what happen if an employee died before his/her 60 or after 60.

[@summir7291]

@@sktindia1947 𝓷𝓸𝓶𝓲𝓷𝓮𝓮 𝔀𝓲𝓵𝓵 𝓰𝓮𝓽 𝓪𝓶𝓸𝓾𝓷𝓽

[@positivehealthy]

One imp question : the amt investing can be fixed or we can increase or decrease ????

[@positivehealthy]

Can u pls answer since i want to start this at the earliest.....

[@technomystery8346]

Minimum should be 1000 per month and for private employees can go up to whatever you can contribute... For example your business has extra profit of 1 lakh after expenditure and your living cost you can put all 1 lakh in that month and again in next month you are only left with 50000 then you can put that for next month.. There is no maximum limit only minimum limit.

[@cayaswanthkumar4129]

thanks for the time - I had refreshed about nps what i learned in ipcc again

[@manalisurve8350]

Hi Ma'am, Very well explained and that too in a simple manner.

[@ashwinbalaji6886]

Thanks Rachana, I had asked for NPS video.I’m very happy today.

[@CARachanaRanade]

Finally I did come up with the video :)

[@ashwinbalaji6886]

I have already invested in NPS,It’s very easy to open NPS in banking side (Netbanking) and then it can be shifted to e-NPS in a single click in CRA portal.Directly opening in CRA website is hectic job.

[@literallynoone2093]

Why are you having Colgate Palmolive logo as your profile picture tho?

[@Casey-summer]

People grappling with the difficulty of meeting essential expenses often encounter this situation due to inadequate savings during their working years. The decisions taken in readiness for retirement carry extensive consequences, as demonstrated within my own family dynamics. Despite my husband and I having equal tenure in civil service, differing investment approaches yielded disparate results. Guided by a financial advisor, We are both retired and still earn monthly from our investments.

[@mellon-wrigley3]

Indeed, that's accurate. I'm currently in my mid-50s. My husband and I were on a similar path until a couple of years ago when I decided to shift my investments to his wealth manager. While I haven't quite caught up to his accumulated profits over the years, I'm at least earning more now. I'm generating income even before retirement, and my retirement fund has experienced remarkable growth compared to what it would have with just the 401(k). It's quite amusing.

[@Gallo-firestone]

It's regrettable that many individuals lack access to such insights. I understand why people might become anxious. Insufficient information can indeed pose significant challenges. Personally, I've been able to generate over $25k passively simply by investing through an advisor, and the best part is, I don't need to exert much effort. Regardless of economic fluctuations, skilled wealth managers consistently deliver returns.

[@louie-rose7]

​ *@donaldsimeon8606* I've been thinking about going that route. I have a lot of stocks that I have maintained, but they are beginning to lose value, so I'm not sure if I should hold onto them or sell them. I feel hiring your investment coach would make it easier to restructure my portfolio.

[@Gallo-firestone]

I'm guided by Camille Alicia Garcia an experienced coach with extensive financial market knowledge. While you can consider other options, her strategy has yielded positive results for me. She offers valuable insights, including entry and exit points for the securities I concentrate on.

[@louie-rose7]

I've taken the initiative to research "Camille Alicia Garcia" online and verify her credentials. I'm impressed with her expertise, and I've reached out to her to share my financial market goals in detail.

[@kapileshwarbanerjee1409]

Thanks mam for your lucid presentation. It was really very helpful

[@mrinalkantikansari4171]

Thank u very much.. I want to understand the last one year. But I never understand. But Today u give me clear picture. I remember you. From Today I'll follow. Thank u very very much for ur efforts. ...

[@benhurdsouza2890]

Most funny part of intro...You are sitting in an office chair when you are on vacation

[@ayushdixit1991]

Most awaited program by you🙏

[@ankitkhandelwal332]

insightful and deeply informative!

[@karunashree6791]

Hey... great explanation... and lots of information... as You said.. it's favourable to senior citizens condition to the fact that they should be highly knowledgeable about this process... Thank You 🙏👍