How Vajpayee’s MASTERSTROKE saved the Indian economy? : National Pension Scheme case study

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VIDEO INTRODUCTION:
In this episode, let’s do a deep dive and try to understand,
How did the old pension scheme turn into such a disaster?
How does the new pension scheme work?
How do these pension schemes affect ordinary people like you and me?
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#nps #nationalpensionscheme #financialplanning #indian
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[@undercoveragent9651]

6% people in rajasthan getting 56% of the taxes as pensions nd they blame the centre for income inequality

[@karagis75]

😂😂😂 true

[@ritshpatidar]

I am from Rajasthan, and everybody here is so mad for govt jobs that in my village alone there are 6 libraries(silent reading rooms).

[@ankushmukherjee3219]

​@@ritshpatidar I wish Rajasthan faced imf like wrath to stop their debt addiction. They have even surpassed Bengal at it Ashok Gehlot like politicians are literally a bona-fide threat to the survival of our nation state.

[@ritshpatidar]

@@ankushmukherjee3219 BJP, and Congress both run freebies here. There are some private jobs here but low paying, so people move to other states. I try my best to convince my friends to not go for govt job and learn some real skill instead of reading GK, and History, so that you are worthy.

[@ritshpatidar]

@@undercoveragent9651 but the problem is there is so much incentive in govt jobs that people don't even want to go for other options(private jobs), people would go to private if they are there and pay enough, but govt does not want to attract investment. How would they attract investment if most of money is going into pensions. This is trap, and without taking pain it will not end. Govt is short sighted.

[@arpandey7043]

NPS system should be implemented on MPs, MLAs & Judges also😕🇮🇳🇮🇳our constitution says equality but govt does inequality...now who will file a complaint against govt & to whom...this is injustice

[@vivianecardoso0]

With markets tumbling, inflation soaring, the Fed imposing large interest-rate hike, while treasury yields are rising rapidly-which means more red ink for portfolios this quarter. How can I profit from the current volatile market, I'm still at a crossroads deciding if to liquidate my $125k bond/stocck portfolio

[@Isaacmeide]

You have to get a financial-advisor/broker to aid you diversify your portfolios to include commodities, inflation-indexed bonds and stocks of companies with solid cash flows, as opposed to growth stocks where valuations were based on future potential earnings.

[@kevsmills]

@@Isaacmeide Very true , I diversified my $400K portfolio across multiple market with the aid of an investment advisor, I have been able to generate over $900k in net profit across high dividend yield stocks, ETF and bonds in few months.

[@ellamezo]

@@kevsmills Glad to have stumbled on this conversation. Please can you leave the info of your investment advisor here? I’m in dire need for one.

[@kevsmills]

@@ellamezo Isabel Linda Dueri” is my portfolio-coach, I found her on Bloomberg where she was featured, I looked up her name on the internet. Fortunately I came across her site and reached out to her, you can verify her yourself

[@ardeand]

@@kevsmills There are lots of them tho but almost everyone works with ISABEL LINDA DUERI this days, she's getting more recognized by day, she strategies has been the best this period

[@harshraj3124]

Vajpayee ji knew that if I did not stop the pension scheme, it would become a burden on the country and if I stopped it, my government would fall, yet he implemented it without any fear and greed of governance. सरकारें आयेंगी जाएँगी पार्टीय बनेंगी बिगड़ेंगी लेकिन ये देश रहना चाहिए ❤❤

[@vishnubhaskaran4745]

We peopl dont deserve a true leader and patriot like atal ji😔

[@thisisnamrata]

You should read the reply which someone made on my comment

[@Ashish17g]

Yeah that's also d reason y he didn't stopped the MLA MP Pensions.🤭

[@pateldhruvil2523]

Mla and mp ke liye b cut kare pension

[@pateldhruvil2523]

Gujrat me mla ki salary increase hui kyo ??

[@vikasjha8199]

Atal ji was a great reformer. He nearly transformed the nation in just one full term. I pray to lord to give us more such leaders 🙏

[@quantumphysics4037]

He only tell the +ve side of NPS...Tell us -ve side also...1)OPS pension is adjusted according to the inflation 2) Markets are volatile and may crash during particular time so, No safety for money 3) What if india gets into a war and economy collapse...For OPS it will be TEMPORARY and settled in few months or years and it will be the same income...But for NPS the corpus recieved is PERMANENT Yes NPS is better for economy of India...Govt should make corrections in NPS and also think about govt employees who worked very hard...They deserve peaceful retirement and good benifits ❤️

[@tikurocker]

@@quantumphysics4037 it's time we indians have to come out of this colonial mindset of slavery. Most of us today are wasting the most productive years of our life preparing for govt. Jobs. My thinking is that govt. should come up with better ideas how this productive years of the youngsters can be used so that we can become a strong country.

[@raghavsingh7733]

@@quantumphysics4037 when the economy goes bonkers and there is a war do you want government to fund the far and win or if economy has gone bonkers do you want government to invest money to fix economy or take more loans to give pensions ? No wonder people are so dumb and selfish like you who doesn't care what happens to the country untill they are safe in their little bubble

[@AkashSingh-nf5ey]

@@quantumphysics4037 so only govt employee do hard work...PPL who does private jobs, do small kirana store business, etc don't do hard work... Why would they pay taxes to give money to the person who does not work anymore (retired persons)... Will those vegetables seller, kirana store PPL will get pension after 60 years of age.. bcz afterall they also did hard work fir their entire career...

[@quantumphysics4037]

@@raghavsingh7733 So you are saying that after the war pensions stop for eternity 🤣...Wake up dumbass...I mentioned carefully in the comment,after all things settled after war it may take months or years to resume pension (if OPS) but it is not possible in case of NPS...Learn how to read carefully first 😂

[@logic_talk]

NPS should be implemented to MLAs and MPs salaries first, then people will fall in line automatically

[@narasimharao9492]

Stop their pension.. They don't deserve it at all in the first place. If so let them do it as any private employee does.

[@Shivumgrover]

I think it's already done? State government pays the 10%.

[@leceleemmomin7821]

Yes of course even the politicians should not get pensions not only employees because it is not equality...

[@Dennis56781000]

@@leceleemmomin7821 Comparing a govt employee with a politician? You know the odds of becoming a MP/MLA are atrociously low. 1500 odd MP & MLA for 1.4 billion people. It is very easy to shit on Netas and you should do that but this is unfair criticism.

[@chaitanyavelamala7268]

Politicians earn way more by corruption Pension probably doesn't matter to them

[@ethahoran]

This video should be translated to all Indian languages and make sure of a bigger audience. Excellent review 👏

[@033_subhodiproy3]

It can be hopefully done with AI... To save time

[@spiderjit]

The NPS is very similar to the CPF scheme in Singapore. It has worked well for us.

[@fnln5541]

Kejriwal isn't harmed in this video 😁 Not all IITIans are thinking about the country's future. It's all about votebank. In West Bengal lots of schemes are run by the state govt which is harmful.

[@sandipchand5182]

True bro

[@brocklesnar9272]

true bro . atleast someone here is enough mature to untesterstand to votebank politics.

[@Shivam-jp8nm]

😜

[@heythere5405]

Kejriwal is a street politician. He's giving everything free, and duping the people. Sure, you get free water, and electricity, but your roads, highways, buildings, infrastructure are s h i t e. China invested a significant amount of their money into capex, research and infra. If they got into welfarism like Kejriwal, they wouldn't be where they are today. And that's the danger of democracy today, where politicians get into welfarism in order to get quick votes, since building infra takes time.

[@ekanshdhapola9116]

West Bengal is a lost cause ,Mamta didi will do suck the life out of Bengal as long as they can be in power.

[@allenkumar2651]

It's a Blessing for teens like me to know the real Truth about Economics of the State which today's media whether Printed or TV does not have guts to show

[@Mike-rw1jw]

don't be fooled by this stooge of modi. just like LIC lost 30,000 crore by investing in adani stocks, even the NPS corpus will be used to push adani to world's richest. WAKE UP and SMELL THE COFFEE

[@vikramgogoi3621]

Try reading some books. It is stupid to blindly trust one channel only for information. For example, this video failed to mention that in case something like 2008 crash happens, then all the pension money of the common man would be wiped out.

[@cyrusthegreat3081]

@@vikramgogoi3621 2008 event stock values went down but recovered in 7 years! If you want tax payers to bear the burden, govt will be left with nothing

[@cptninja7890]

@@vikramgogoi3621 first u go and read some books 🤡

[@vikramgogoi3621]

@@cptninja7890 What an articulate argument! I would expect nothing else from a person who uses emojis instead of reason to bring a point across.

[@pushpathumsi5098]

I'm so surprised... educated and aware educated politicians don't understand such important influence on the country and its economy..... it is very clear how short-sighted they are withregard to country and its growth... thanks for making such case studies for us to understand... and wish it could reach many more ... add a local language touch to ur video and stories.... it will work magic. All the best

[@bms9335]

Atal ji was a visionary leader,,, From making India a Nuclear State to making India free from dangerous Old pension scheme,,, We should spread this video as much as we can,,so that people try to think about their nation first🙏❤️🇮🇳

[@Ak-qq2le]

what ?? he mad nuclear state?? it is Indira Gandhi... not Atal.

[@montybhai521]

If you observe actions of kejriwal and Congress then you will find that they just want to win even if the nation is destroyed 😤

[@hetpatel7656]

True brother 😕🥶🥶

[@ItachiUchiha-bz3lf]

Kejriwal is the most dangerous politician. People will understand sooner or later

[@maddyx3711]

Don't speak out of your ass... Kejriwal has been doing tremendous job in Delhi even though BJP/MCD has been up AAP's ass in every single work delaying it... Congress and BJP are woven from the same cloth.

[@swarajchinnawar6223]

Absolutely right bhai

[@sidmallya7421]

Maintain secularism and vote Rahul Gandhi ji and kejriwal ji

[@omkar3624]

Just imagine how much better our infrastructure could have been if we were not spending that amount on pensions.. then we complain about pathetic infra and go to settle abroad.. hope this NPS stays.. I am a private employee, still investing in NPS for deduction and tax planning.

[@user-vk1bm]

Logo ko chahiye instant pleasure like porn ,.masterbation.The people of these country are lazy and govt job seeker

[@varunganapathi5081]

congress was in power for 67 years. Nobody even bothered to build infrastructure. Post pandemic, companies chose Bangladesh and Mexico over India due to the lack of a infrastructure. And now again Congress will strive to bring back these blood sucking policies that will drain the country's wealth. And Rajasthan is an example of how underdeveloped they are.

[@SapiensIndica]

I live in France and the pension scheme here is similar to NPS in India, and French pension benefits is considered one of the best in the world. Great step by India. Jai Hind.

[@Samir12357]

Nps was a great idea and you are doing great by investing and saving taxes but at the same time the new tax regime is really bad idea and bad policy of government and it is making people to spend and this will be a terrible thing in bad times as you don't have good savings for bad days.

[@ankushmukherjee3219]

​@@Samir12357 People have enough incentive to save. Govt has even opened up bond market to retail investors to invest without incurring any expense. What else should govt do? It's time people take matters to themselves to save instead of blaming govt.

[@sudhanvagnaneshwar9334]

I want to pay my taxes for my kids and future generations betterment. This is more important than for myself or fellow old people. Great educational video, appreciate all the efforts that has gone in.

[@manish007142]

NPS has lot's of positives but the biggest negative will be that it's very risky compared to OPS. An employee who has worked till age of 60 would like a peaceful retirement but as NPS is market dependent, it makes it worrisome that you may/'may not' get your investment back, and you don't have any control over your investment. Government should provide some safety net that if you invest 'x' amount in NPS then after retirement you'll get n% of assured returns for sure and original investment of 'x' amount is always safe.

[@shankars6324]

OPS will bankrupt entire country and you say NPS is risky.

[@manish007142]

@@shankars6324 Yes I said it, as I have spoken from employee perspective. If a scheme doesn't guarantee me a peaceful retirement even after paying taxes and making contribution to the scheme for almost 35-40 years for service/employement duration then that scheme is shitty and not for me and one should clearly voice this out. It's the exact reason people are fighting against it, government should take cognizance of the same and improve NPS scheme. We have done our part, post that if government says we are going bankrupt and can't give you a peaceful retirement then they are at fault not us for bankruptcy, as they clearly mismanaged.

[@shankars6324]

@@manish007142 counterpoint- 90% of Indian workers do not get pension and ~50% make less that govt employees while also having considerably less job security. All workers are contributing to nation, it’s unfair why only govt workers get pension. Also govt workers can save their earnings and reinvest it for retirement, just like private sector employees. you are not entitled to any pension (nobody is) , and if your pension comes at the cost of the nations growth- then it should be scrapped. instead, be glad for NPS which still pays a pension and start saving for retirement early from day 1 so you can retire comfortably.

[@brouno1989]

Selected videos like this you should dub/ make in Hindi and as many as regional languages possible. Videos related to govt policies should reach till the rural viewers as well.

[@Goku-ku3qe]

Well said

[@rkk15]

Can’t agree more

[@urs8170]

Couldn’t agree more

[@fanatic.shreyam]

Agree

[@dishagajora4061]

Ganesh should just start a news channel in every language 🔥🔥

[@Rohan.Chawda]

truth is that in india people look for short term benefit . majority of people dont plan and doesnt see long term gain for themselves and their own country. thats why education is much needed in ecnomics and financial planning from young age

[@veernair]

Congress and secular people only

[@Rohan.Chawda]

@@veernair people from party's take advantage of uneducated Poor's for their votes

[@ahsrahoar]

The west is no better. I think Indians are way smarter. We'll get there soon!

[@chaitanyaprabhu1720]

complete nonsense . Gst collections of one month are over 1 lakh crore . govt of India needs to stop wasting money by giving loans and then writing off those loans of adani ambani types and stops wasteful expenditure on foreign trips , multiple pensions to mlas, mps, , high salaries of govt employees ... If this is done and money is managed properly , govt can easily afford to give pensions and have a regular standing army instead of agniveers. lol

[@khushbagora6569]

Our so bum bro , govt get gst , taxs in Every product you purchase 🤷🏻‍♂️ And pension are always use their money to build houses, land, gold , and shadis 🤷🏻‍♂️ so govt get taxs , Like example If u have only 100 ₹ then you spend only 60-70% right But If you have 500 then you spend 60-70% (350) so you spend more money. And govt want u to use more money because govt get tax every time u spend any money. If u have 20cr in your secret room than u 0% contribution in GDP But if you spend 20cr than govt happy 😅 Govt don't need poor people and that truth because poor not spend much. Think about it in other way 🤷🏻‍♂️

[@debikabhattacharya3029]

You and your team are excellent in breaking down the topics into simple bytes and down-to-earth explanations.TAKE A BOW! 👏👏

[@sachinjain9993]

Everything is good about NPS. However it still needs little improvement. For Eg : At the time of retirement if COVID/2008 recession like situation is persisting then huge loss to that particular person as it is mandatory to withdraw 60% of fund at the time of retirement. There should be a minimum %age fixed that will be guaranteed or person should have the option when he/she can withdraw that fund.

[@ge00]

Our opposition is hurdle for us I am not a supporter of BJP but Whatever BJP is doing is truly remarkable

[@anuragrai7487]

After listening to every logical article/argument, I just call people "bhakts" and go back to sleep thinking I've won the argument

[@shashwatmaurya8599]

@@anuragrai7487 Ah, the burn...🔥

[@sidmallya7421]

Why are bjp supporters so timid and weak. Being a bjp sevak is a batch of honor. Stop being a timid cuckold. Low caste tea seller is building india

[@PsychicallySober]

Aren't you a rich arrogant brat, you all say "We dont like/support BJP", but then know that BJP is the closest thing to perfection we've got. It's better than pappu and commies, but won't admit it cuz you're butthurt.

[@opelegit6657]

Bro what they did for education?

[@ashisbag1220]

I am a Central Govt employee and I guessed that Country economy is first than my Personal Salary

[@pavankumar-di6mj]

Feel very grateful to you after reading your statement 🙏🏻

[@marcwalton9170]

Lol

[@pavankumarpavan8226]

​@@marcwalton9170 Lol

[@tushar4evr776]

@@marcwalton9170 What lol? They earn a lot and can save for their pension.

[@gurtej22]

Great thinking Ashis. Hope all people think like you and with Indian Crab Mentality..

[@niranjanak1534]

Abolish the schemes of pensions totally and give employments to youth rather paying pensions to old retired citizens. All employees should save money for their old age

[@rohitpg12]

I fully agree with the problems with old pension scheme and NPS is the only way we should move. However there is another Problem which is not covered in this video - when 2-3% salaried class were paying huge amounts of direct tax of income tax, rest of the state were only paying indirect taxes on good and services. There is comparison drawn on these numbers relative to the pension payout in old system

[@anupam_banerjee]

Hi Think School Team, I would request you to start producing/dubing your extremely valuable content in local languages, so that you may reach out to more people. It will help educate a lot more people who really need to listen to these things. Love your work. Thankyou

[@reinhard5921]

He already does that. Here - m.youtube.com/@ThinkSchool/channels

[@anupam_banerjee]

@Reinhard - I don't see content in the Hindi channel.

[@cr7stixno]

@@anupam_banerjee yes

[@SapiensIndica]

I live in France and the pension scheme here is similar to NPS in India, and French pension benefits is considered one of the best in the world. Great step by India. Jai Hind.

[@samarsingh-ke2uj]

was is the salary there... similar to Indian employees

[@vaiibhavrana2125]

@@samarsingh-ke2uj by similar he meant as per the regulations and process… he never meant that Indian people will get pension in Euro… have some iota of basic economics.

[@samarsingh-ke2uj]

@@vaiibhavrana2125 U R a expert...thanks

[@krunaldani5949]

Bhai tu France me hai. Hum India me. Don't compare both country

[@slabs3275]

India stand on 42 Number with maximum Employee obtain OLD Pension, Your Theory is Bogus, With New Pension Scheme( It z Not Pension but Intrest of your Collective Money) You have only 1-2k Household money to live in Modern Day

[@saraswatisara957]

Good research content and point to point doubt clearing knowledge.

[@lucifermorningstar3301]

Hi guys, you’re videos are wonderful I think it’s brilliant of you to come up with theses types of topics. Thank you for such wonderful insights. ❤❤❤❤ Guys, sorry to bother you but I couldn’t find the study materials you mentioned in the video in the description. Can you please help me where to look for.

[@AnshMehraa]

I feel like I've made it on TV 🙏

[@iamadityashekhar]

😂😂

[@ranjithparamashivam1795]

Anna I humbly request you and your team to create videos in regional languages too.. All of this nation must see your hard worked videos for us.. Please consider this anna

[@satishbhanse7454]

Especially south indian languages..

[@bvssrsguntur6338]

Agree; we need in telugu

[@vivekgupta4030]

Brother i think u should take the initiative if possible.. as u can understand english u should make a utube video urself to educate people in ur own language.. u will be serving people for the good.. It might be difficult for think school to translate his videos in different languages by himself.

[@AkashSingh-nf5ey]

@@satishbhanse7454True... Bro atleast South India is more developed than Bihar and UP... Atleast i want these kind of videos in Hindi so that PPL from my state (Bihar) understand this...bcz Biharis are mad about govt jobs

[@nityasomaiya5001]

Think school actually has few regional channels, I’m sure the team will update more videos on it soon!

[@thealignmentor]

I'm a 90's kid & Atal Ji & Kalam Sir where the heroes of our childhood...

[@lokesh1359]

Think school has always been good with their content. Great job guys, keep it up.

[@0x64bit]

छत्तीसगढ़ में कुछ लाख सरकारी कर्मचारियों को खुश करने के लिए , आम जनता के सड़क स्कूल अस्पताल आदि को ताक में रख कर पेंशन दिया जा रहा 🙏 धन्य है छत्तीसगढ़ की जनता भी

[@nimishasingh1273]

सभी नेता ओल्ड पेंशन ले रहे हैं. छत्तीसगढ़ वालो को कुछ शर्म आ गई तो उन्होंने बाकी लोगों के लिए भी सोचा। अन्य प्रदेश में बेशर्म नेता चुपचाप ओल्ड पेंशन ले कर सबको न्यू पेंशन के लाभ बता रहे हैं😃

[@0x64bit]

@@nimishasingh1273 तो नेताओं के लिए भी आवाज उठाओ, न की old pantion को प्रमोट करो 🙏

[@0x64bit]

@@nimishasingh1273 वैसे अच्छी बात है आपकी शिक्षा का स्तर भी यहां से जान पढ़ रहा है, यह वीडियो कोई बीजेपी वाला नही बना रहा , पूरी रामायण खत्म हो गई और आपका कहना है राम रावण कौन है 🤣

[@nimishasingh1273]

@@0x64bit मैने तो कमेंट में बीजेपी नही लिखा।

[@0x64bit]

@@nimishasingh1273 तो कॉमेंट डिलीट क्यों किया ??

[@vishusingh4765]

Being a govt employee, I m one of the rarest of rare govt employees who stand with NPS and oppose OPS. I try to tell the benefits of NPS over OPS but the sad truth is nobody wants to listen and just think of themselves as OPS benefits only the individual recieving it.

[@adarshsingh845]

Same boat..many of my colleagues are already thinking either bjp will blink under pressure or congress wld implement it

[@himanshusingh5214]

@@adarshsingh845 But government employees are less than 10%, so why should BJP care about the votes of 94% people when they can spend the money earned from the 94% on those same 94%.

[@adarshsingh845]

@@himanshusingh5214 coz every tom dick harry in India sees himself as a prosective govt servant,and any harm done to his "future status" will not go well down with him..

[@himanshusingh5214]

@@adarshsingh845 Oh, that's fuked up. They don't realize that even if 10% of the population will become government employees then India will become bankrupt like Argentine with 100% inflation every year because the government prints all the money every year to give salaries and pensions. And these guys are not even among the 5% who get the job.

[@riscnx]

@@himanshusingh5214 You can not compare a gov employee with a labour. When we are checking gov employees you need to compare them non-gov employees with similar income. And in that case it's 50:50 And 10% of adult population is a huge number, do you realise that?

[@MOHAMMED-gi2uh]

Your videos are awesome, because of content with a clarity which is only very few youtubers are able to do it

[@unmeshmulik6505]

this is awesome......Many thanks for educating all of us

[@financial86]

As a govt employee I agree with you bro, if we opt old pension system, our country growth drastically decrease. This is very dangerous step.

[@apurvnagare]

Government employee?? And an anonymous account?? Stop fooling people

[@ashu8669]

@@apurvnagare lmao...a gov employee cant have a yt account ???😂😂😂 fuking braindead

[@rakhiagarwal1241]

NPS is just adamant step of government. NPS is forcing the employees to save the money for a future. But you should know the economy runs by spending the money instead of saving. This person in video has done a very poor analysis. He is just focusing on the bills for ops and it is not showing the amount government is already paying for NPS. If OOPS will be given to employees they can spend more money for their livelihood. Which will lead to more indirect tax collection to the government and economy roll out. And it will create more jobs for the citizens of India. I think government should immediately scrap this NPS policy

[@Raghu-ik8hx]

Respect

[@drsatyamupadhyay]

@@apurvnagare bro said 🤓

[@user-fy8hm2px4t]

I have to appreciate Atal Bihari Vajpayee to take such a phenomenal step back in the day. Hats off.

[@allinone-fg4es]

Yes he took such a bold decisions but people of India always think about short term benefit really India betrayed him 😢

[@maneeshpurohit]

But Atalji introduced ops for govt employees who serve for atleast 25-30yearsbut not for mps who get pension who even got elected once, that's not fair

[@user-fy8hm2px4t]

@@maneeshpurohit well that's something that I don't see any leader will be able to do unless all of us unite and make it a top demand.

[@SoftwareQuest101]

@Thinkschool Your videos are very helpful❤. We need more such channels. Just one request can you also create videos like this in hindi. Our rural population will benefit from this alot. Keep up the good work 👏

[@HimanshuSharma1966]

Insightful video

[@cenimaallmovies9294]

Non of these things are told by our Indian media Thank you Anna 😊 for giving us this information

[@user-tu5]

Old pension scheme is slow poison for our nation and those people who are not do government jobs 🇮🇳😭

[@Mike-rw1jw]

shameless baxtards ... this is one perverted analysis of pension. would you accept the current salary after 20-30 years when you are a senior citizen ? in fact, the pension money will contribute more to economy than using it to buy MLAs and corporators by BJP all the senior citizen would spend their money and save a little for emergency.. so, the money goes back into the market contributing to GDP. this youtube channel baxtard is a modi stooge to compare 90's pension amount to 2020 pension amount in fact, india was in a big economic slowdown in 90 when Narasimha Rao and Manmohan Singh opened the economy. But they were not cruel to cut down the pension of senior citizen.

[@doraemonandshinchan2156]

People should. Ask. TO. Cancel pension. For. Politicians

[@YashKumar-bs8sd]

@@doraemonandshinchan2156 and how much % revenue we can save by doing this

[@commieSlayer69]

Need to decrease govt jobs while boosting private jobs and startups for the sake of national development. Developed countries are the example

[@sauravdas2031]

@@doraemonandshinchan2156 Why is this a precondition? It is assumed by people like you if a politician does something wrong we too are entitled for the same. Present your case in numbers. The fact is MLA/ MPs are much less in number than government employees and paying them pensions does not affect state finances in the same way.

[@1Himalayansoul]

Thanks for the study & simple presentation

[@Abhilash_Jena]

I’m working in Railways and despite how much I talk about the why OPS is such a disaster to our country’s economy, here our fellow colleagues doesn’t give a shit about it. They just want their benefits and have only one thing to say I.e why govt is paying for MP, MLA pension and why not us. So they force me to sign a consent letter asking me to support the OPS system.. All I can say is I’m working with literates not educated colleagues.

[@Tum_Tum_]

Such dumb politicians we have in our country. Greedy for power. Bhagwan inko thoda buddhi de. Hats off to Vajpayee ji for such a productive scheme.

[@allinone-fg4es]

He always thought for india not for himself or his party but it is india brother 😢 they doesn't deserve people like him they betrayed him

[@vishnuprakshs1243]

And dumb people support these corrupted politicians. Imagine in 2004 and 2009 BJP were elected our economy would have been much better

[@sympathiser_of_Germans_in_40s]

Buddhi ki jarurat nhi hai bhagwaan inko utha le to aur achha hoga

[@picupk8587]

That's why BJP Shines today 🚩🚩 MODI JI is the ultimate successor of ATAL BIHARI VAJPAYEE❤️❤️🇮🇳🇮🇳

[@sanimator58]

Yes

[@shauryakoundal3688]

True ❤️

[@soham8208]

Yes 💯

[@KrishanKumar-ut3gx]

Hmm

[@imgauravtiwari]

👍

[@vinodh36]

Good explanation of few points on OPS and NPS waiting for Part -2 of this Video

[@sanketkoli1]

My father worked for government more than 30+ years but he gets pension only rs.3000 they worked with less salary all these years. Ridiculous government jobs.

[@dakshchhadva7056]

Day by day I'm getting more better and useful information from thinkschool channel alone incomparision to my entire school and graduation education years combined

[@Mike-rw1jw]

don't be fooled by this stooge of modi... just like LIC lost 30,000 crore by investing in adani stocks, even the NPS corpus will be used to push adani to world's richest. WAKE UP and SMELL THE COFFEE

[@rakhiagarwal1241]

NPS is just adamant step of government. NPS is forcing the employees to save the money for a future. But you should know the economy runs by spending the money instead of saving. This person in video has done a very poor analysis. He is just focusing on the bills for ops and it is not showing the amount government is already paying for NPS. If OOPS will be given to employees they can spend more money for their livelihood. Which will lead to more indirect tax collection to the government and economy roll out. And it will create more jobs for the citizens of India. I think government should immediately scrap this NPS policy

[@raviv3398]

I live in Canada, we have same kind of pension scheme here. What you contribute, you get relative to that amount in return after turning 65. Private or Public sector, everyone has to contribute. Employer have to match it. Max amount per person is limited, lower than that is counted relatively. If based on my salary, my contribution is 1500$ than employer has to contribute 1500$ in gov pension plan as well. At 65, based on my contribution figures, I will get pension. Before Canada had fix pension for everyone irrespective of the contribution, now they have changed it.

[@questionableEQ]

Canada CPP is way less at 5.7% each by employee and the employer. Singapore CPF is better. It forces a minimum contribution of 20% from employee and 17% from employer. Other than drawing it as monthly payout after 60 years, this money can be utilized for housing downpayment and for medical emergencies based on some preset calculations and conditions ensuring that CPF is never wiped off. But they call is Provident fund and not pension scheme.

[@raviv3398]

@@questionableEQ maybe, yes. I am not saying Canada has best pension plan. In reality I hate Canada Pension Plan (CPP). I would rather have employers contribution as cash to me or in my private RRSP. Atleast I don’t need to wait for turning 65. As well I would be able to manage funds at my will. I don’t like when government forces us to contribute ~$2800 in pension plan and $870 in Employment Insurance every year.

[@harshita_Chaudhary8080]

The old pension scheme , should be revived. No one talks about the excessive amount of money held by retired ministers. BUT,you have prblm when the govt.employees get a basic allowance of 26000 after they get retired after serving the country.

[@manojgowda1718]

In Karnataka also state government employees demanding for old pension scheme but neither government (BJP) or opposition party (Congress) and JDS supporting for there demand .. Even opposition party leader (Congress) said that old pension scheme is not good for the growth of the state. So It's depend on political leader not political party who want to bring back old pension scheme..

[@thisisnamrata]

Yes that's true..RBI had published a document on the same recently. Also the debt to gdp ratio is 29.5 which is much above the levels recommended by FRBM Review committee. States may need to further raise money through borrowings to fulfill their ambitious promises like these 😭 Thank you for the lucid explanation ThinkSchool 😀🙏🏻

[@dhananjaibareth4837]

hell no. it about discrimination. When Vajpayee, so well described economist, introduced Nps , then why the hell he excluded themselves from it. Two Words, 1. NATION INTEREST - by stopping Ops of ONLY Govt.Employee… Kudosss , Great Job 2. SELF INTEREST - By Keeping themself in Privilege Class - Ops. - Obviously, first Self Preservation, then all scrap…… 3. FUTURE PROOF - By keeping Laws Last End - JUDGES & Emergency Backup- ARMY in Self Interest Category ( Ops Category ). - Double Kudos. Perfect future Proof. If Modi is So great, why not stop self-interest class Privileges and SIMPLY Make - One Nation One Pension. So the debate is - Nation Interest vs Self Interest…. Anyone dare to reply…….??? Debate is - 58 % ki Revdi ( Malai )…???? Around 80 Lakh + Govt.Employee , Approx. 10 Lakh Crore Nps Corpus - More than 50 % , exactly - 58% are Just Magical Number ….. Perfect revdi. Matlab Khud to Malai kha rahe Ha, but Govt Employee me bhi Revdi Chdni Nahi……. Bharat Mata ki Jai..

[@thisisnamrata]

@@dhananjaibareth4837 so...the OPS is good?

[@dhananjaibareth4837]

@@thisisnamrata well.. question is is nps good ..???.. If not , what's option is left..

[@thisisnamrata]

@@dhananjaibareth4837 my point was that any govt should only spend up to a certain limit on elderly people's pension. That is not a constructive use of people's hard earned tax money. I mean, Centre already has implemented multiple health schemes and elderly people schemes so any other pension scheme would be just a waste. That doesn't mean spending on elderly people is a waste, I mean we already have enough schemes for them

[@dhananjaibareth4837]

@@thisisnamrata what we expect is 100 % of our own contribution. Not extra money. Even in NPS employee get hold of only 42 % only. 28 years of nps contributions amount to 40- 42 % of last drawn as per basic bank rate of interest. But , govt monopolize by only returning back 60 % but with 30 % tax. It is justified. Then forcefully invest 40 % in share market. It is justified. Unlike mlas , army & judges on death , wife get same OPS but not in NPs. At employee death, no pension to spouse ( wife ) and 40 % vanishes. It is justified. Any answers..... anyone.... pls . Help nps employees

[@rohanagarwal6848]

After watching your video i have clearly made up my mind that never ever vote for aam admi party

[@nityasomaiya5001]

Atleast until they’re making such policy decisions

[@mariyalanaveenkumar4456]

👍👍👍👍

[@akashpkumar4529]

1st i watch this channel to develop my english now i learn in deep case studies it give me more knowledge,and also the anchor is presenting like story telling mode,kudoos to #Thinkschool fOr the great initiative

[@cricketgeek2011]

I would really like to appreciate your efforts in making such to the point and awakening videos in order to educate the nation about fake and dirty politics. The NPS holds immense value when it comes to the economy of INDIA and implementing the old pension scheme is going to make the country fragile in the long run which we need to understand.

[@beingiam2933]

Congress and kejriwal will always find a way to stop development in India

[@studioofsomethingnewandcre2903]

Kw is best leader and he is giving free education and hospitality and this is social Security not freebie and every people will nor earn crores to gether only few people will earn so kw is giving to all

[@shady4808]

@@studioofsomethingnewandcre2903 bro kejriwal is dangerous for India , are u mad or what?

[@satishbhanse7454]

@@studioofsomethingnewandcre2903 He is not giving every where...He just released schemes aa samples only not every beneficiary is benefiting from it.. Check it bro...Not only in delhi its almost same in every state... Those beneficiaries are only party workers... Check thoroughly you will find it..

[@studioofsomethingnewandcre2903]

@@shady4808 k tell me we are paying so much tax to bjp government and direct and indirect tax and you should go to hotel eat some food how much gst is collected and gst is collected from clothes and we are paying so much tax and on road toll collection and finally what we are getting from this government like free education and hospitality and see in delhi meyor election how bjp ia killing democracy that to AAP has full mejority and even amith sha announcing free electricity in election manifesto and modi is telling free ki revadi achha nahi hai and bjp and congr6 is worst aap is best and if we want to see india no 1 that is happen with kw not with modi because modi is not giving preference to education and health and modi is busy in helping to adani and ambani

[@studioofsomethingnewandcre2903]

@@satishbhanse7454 if kw is not implemented throughout delhi how Punjab government won the election and by telling lie to people of punjabi and kw didn't do development in India

[@ranaakhandpratapsingh5567]

the main problem in india is lack of proper education due to which politicians get benifitted ...many thanks to people like you who work hard and reveal the truth ...

[@kpkp469]

I think the main problem is 'A Educated with ego'. They are never ready to listen to others opinion. If they think they are right, then even logical point couldn't change their decision. eg: Look at most AAP followers.

[@nilotpaldeb1551]

there are some people who are educated but dont know about economics in a good way since in schools and colleges economics is not taught until we choose the subject

[@shivam_nagar69]

when you realize most educated are fooling other indians on yt

[@KrishJain-oe8zz]

@@kpkp469 AAP claims itself to be an educated one, but they are just literate-fools .

[@TRUTHedits8027]

​@@KrishJain-oe8zzBjp spend 53% on elections And congress spend 21% on elections These are ok ???

[@79_ayushyakumar98]

explained everything this is great video keep it up bro .

[@raghunathsharma3822]

Pension is not a favor which is government done to pensioners but its duty to take of its ex employees. - Supreme Court. It is the responsibility of the government to mobilize its resources.

[@STBCSPS]

Stop leaching on future generations. The government pays hefty enough to their employees' already pension is suicidal for the economy an tbh there an enough sources for investment for ones secure future

[@Edward4Plantagenet]

Yeah, that's why NPS is there

[@keshavanand2905]

I'm psu bank employee.. still I believe nps is better option for me(as 8-9% return for next 30 years will compound to a good amount at majority) and also for the economy coz of huge debt burden the ops had.. a lot of my colleagues mainly people L 10-15 yrs older than me argue that ops is best and when I try to tell them the disadvantages of ops they are like Hume kya usse .. ( forget about aam janta even educated people don't give a damn about our economy) And thank you for such an amazing content.. and even the comment section in every video is filled with intellectuals😇😇

[@ankushmukherjee3219]

But PSU bank old pension scheme is also like NPS that comes out of investments for which contributions were made. Isn't it?

[@mayureshraul9091]

Is there any guarantee of you living 30 yrs?? What about your family after your early death???

[@ankushmukherjee3219]

@@mayureshraul9091 Family will continue to receive pension after retired members death. Please understand NPS is good scheme as long as Indian economy is stable where average bond yields are greater than inflation rate, so unless economy faces collapse things won't be bad.

[@mayureshraul9091]

@@ankushmukherjee3219 I think you should study the facts. Employees after serving for 15 years of service are getting below 4k as monthly pension. And for your information after an early death the amount of pension will depend on the amount accumulated in pension funds which is obviously very less. I have seen the facts in practical so it's easy to understand what is good and what is bad. In OPS there is capp of minimum 9k pension but in NPS there's no assurance at all. If NPS is so better then why defence sector and politicians are kept out of this more beneficial scheme?? Are these people are of less importance???

[@ankushmukherjee3219]

@@mayureshraul9091 Okay. Let's talk then, free and fair. 1) Only Army comes under OPS thanks to legacy issues and lack of courage on political economy front, but large part of defense ie CISF, CRPF all that comes under NPS. 2) Canada, France are amongst the nation's with most efficient and advanced pension systems both based on contribution based scheme like NPS. If these countries can go for reforms, then why shouldn't India that actually needs more fiscal space being an emerging economy? 3) The whole idea behind contribution based pension scheme is to free up fiscal space to use resources for wider number of people and also to reduce piling up of debt etc. Often too generous pensions etc are principal cause behind weak macroeconomic strength which ultimately gives rise to risks of Greek like economic collapse. Risk management wise, it's fair to be conservative about such revenue expenditure which also helps in ensuring we keep away from crisis due to strong health of the overall economy. 4) You can't have everything without compromises. If you want OPS, then you can't ask for good salaries. Let there be low salaries like it was in 1970s (Inflation adjusted), then ofcourse OPS can be given. The idea is to increase govt expenditure on productive aspect of economy by reducing liabilities that don't add extra value to growth. Are you willing for this compromise? 5) Politicians don't get NPS because short terms are too less for pension funds to work well. 15 year period will give low pension but only 4k? I've read in some irrelevant news but give me some authentic source. 6) I don't mean to say NPS is perfect. We need to keep improvising things. There could be minimum pension protection provision, by investing in hedge funds overseas or through govt expenditure but completely reverting to OPS at this high pay scale on PPP basis, is fiscally unsustainable. What Rajasthan is doing is basically a fiscal disaster, anyone with a sane mind would be scared about their future. I am sorry you can't have best of both worlds. Not possible. We are not living under some colony of govt employees where masses have to keep working hard without much benefits to ensure fruits of their hard work is enjoyed by one segment of population in form of privileges that are clearly more than necessary. It's about time desi govts learn to cut their cloth according to its length. If India today say had 35% less pension bill it has then we could have spent additional 2 Lakh crores as govt expenditure which could have easily supported the creation of 50 Lakh jobs more. In future of automation and AI that are likely to render many labour intensive jobs useless, it would make a lot more sense to free up fiscal space and support employment through govt expenditure rather than using too much resource for only one segment of population at the cost of the other. Economics at this level is the art of balancing things, ensuring maximum impact with limited resources. I say this completely free of political views, but as an individual working in an organization who basically makes macro economic reports as his job to help other companies take sound business decisions.

[@Roshan_More]

This was such an important topic to discuss. You guys make it so simple to understand. Thanks @Think School for providing such good content 🙂

[@Ignaz.Semmelweis]

These kind of educational videos should be shared with the every citizen in the country.

[@samwise8333]

Thank you sir sharing your knowledge!!

[@spikeguard]

Amazing video that explains a complicated topic in such a simple manner. Very well presented. Videos like this will help spread awareness and educate voters. Such videos need to be made in local languages so more people at grassroot level can understand and spread the word and make informed decisions while voting in favor of long term stability.

[@pradeep97285]

Those who promise for OPS, ZERO VOTES from my family and informed relatives. We have to decide and shape our future. Thanks for sharing this eye opening study. Dhanyawaad 🌺❤️

[@harshraj3124]

This should be the thinking of all people of our generation.

[@thevoicechannel9713]

True

[@1-spartan]

Sacrifice of older generations pave the way for newer generations to flourish and thrive! Paying gratitude to the older generation that made the sacrifices for our comfort today!

[@kyb108]

Everytime i see a video of your channel... It always enlightens and adds more value to the knowledge.. You are simply superb..

[@sumanthvankayala2792]

Thanks for the video. Please provide the links for study materials

[@jdpan3086]

Must say what an articulate explanation. You should definitely find some translators who will dub it in their regional languages as this video should be watched by everyone.

[@knownow7335]

Thank you Think School Team for yet another insightful video. Not only I got brief information regarding both the tax schemes, but also got to know their long-term results. Thanks again!!🙌

[@paperskiesbydivya8290]

Thank you for the very informative video. Just needed to clarify one point where it was stated than ansh can take out (commute) 60% of his pension at the age of 60 as per new pension scheme of central govt employees. Is that bracket 40% instead of 60%?

[@nishantha6299]

Well explained 👏👏👏

[@kaviwardhman]

Whenever I watch your channel and think about people like Dhruv Rathee, Mohak Mangal, Akash Banarjee, I recall the book by Vikram Sood - "The Ultimate Goal"

[@dron3694]

Mohak Mangal is ok ,even i can agree with dhruv rathee at some point,but Akash banarjee is a joker

[@iamadityashekhar]

@@dron3694 exactly my thoughts

[@sannickdey6160]

You are right Akash is a joker...

[@cryptic1692]

@@dron3694 the three mohak , akash and dhrub are snakes in the ganga , they do brainwashing by manipulating the facts , all of them are doing slow brainwashing .

[@sagunagrawal9053]

This video is very important to make aware dumb people who just look around the short term gain. We admire your work and effort to make people aware. We support you just keep going. I will try to share as much as I can ❤️❤️

[@dhananjaibareth4837]

then reply for my above statement. if any. an explanation for 58% ki revdi...... explain this Baised pension SCHEME.

[@krutikzim]

Remove pensions of all the ministers

[@shubhamshrivastava5812]

So you have any idea how many ministers are crorepati? They won't care about some stupid 20k pension.

[@hrishi8195]

I have a question on this. If for a pension of 25-30k to a govt employee who has served the country for 25-30 yrs is putting so much stress on the govt's treasury, why are they paying 80k-1 lakh Rs. pension to the political leaders some of whom are elected only once or twice i.e. for a term of 5-10 yrs? Doesn't that put a stress on the govt's finance? I hope to get an answer to this. Because govt employees aren't the only people who are getting pensions, political leaders get it too right? And political leaders are not just MPs n MLAs, all of the elected n nominated members of different govt institutions like panchayati raj and ULBs also are included in this. Please explain the stress their pension puts on the govt's finance too.

[@DineshChaturvedi74]

Thank you very much for making this video.

[@rajibdeka2207]

Need of the hour video on the most important topic. Old pension scheme only destroy the future of young generation of India. Thank you brother. Thank you very much👍👍👍

[@official.rajarshidutta]

Opposition has lost all moral capital. Kejriwal is a curse on India. He and his supporters should be ashamed of themselves for doing such filthy petty politics at the cost of national interest. And as always Ganesh rocks. absolutely brilliant analysis .

[@adityarao3577]

True. It could have been expected from someone like a lalu prasad, but for an iitian to do this and that too someone who worked in revenue services! Shameful politics

[@official.rajarshidutta]

@@adityarao3577 precisely

[@vickysharma9403]

Kejriwal is much better than Modi like leaders. In 2025 and may be in 2030 also, he would again take oath of being Delhi CM. I can guarantee that.

[@yash8853]

​@@vickysharma9403let kejriwal be the cm. Modi will become pm again in 2024.

[@adityarao3577]

@@vickysharma9403 this implies that you do accept that he has no stature to run for PM against "modi like leaders"‽😂

[@jasrajsarmah309]

Can you please upload the study materials for this topic, I can't seem to find it in the description.Will be much helpful.

[@srinivasuluanneboina8478]

Sir it's really important to explain everything i.e. cons and pros of NPS completely.

[@nikhil12492]

Important Point missed by Think school - - NPS corpus of state govt employees cannot be transfer to Old pension scheme because there is no clause in the PFRDA act, 2013. So, that amount will get stucked until retirement come.

[@Tum_Tum_]

But this amount is properly invested in various development schemes, bonds providing multifold returns to institutes and govt.

[@arsenalf.c6443]

Bhai toh pension ka money retirement ke baad milta hai. It is called PENSION for a reason.

[@ashalakhani6099]

Acts are made by our politicians, why they are not implement NPS for own?

[@mohammedsaadumair5715]

@@ashalakhani6099 yes,

[@nikhil12492]

@@arsenalf.c6443 Bro, state govt employees have made contribution 10% of their salaries to NPS since 2004 so that amount in the NPS can be touched only after retirement and only 60% can be withdrawn. In OPS, employees don't have to make any contribution means zero contribution. So, employees joining OPS will be losing huge amount of opportunity cost and extra future savings.

[@spg6651]

Old pension scheme will Kill BAHARAT's finances -- 80 year old pensioenr gets Rs 1 lakh as pension and many are there in that category -- a 5th standard government school teacher gets Rs50000 per month as pension and then half to his wife -- All GST money may have to be spent only on Pension

[@Vedanta-Vikrama]

Which state is that where primary teacher is getting 50k pension? 🤔

[@spg6651]

@@Vedanta-Vikrama Every state -- Delhi and BIHAR Government school Teacher

[@harishdurga]

Such an Important Video ......

[@nishantsingh5366]

Ad was nicely placed. 👏🏼👏🏼

[@mayurrava8525]

This rule should be applied to all MLA and ministers.

[@MJK618]

Do the numbers first

[@qwerty9889]

They can make law in state

[@expertpriyanshu]

Ok

[@wildbold1524]

Any idea what the total numbers of mps and MLA's are there who r drawing pension or sallary?

[@mayurrava8525]

@jatin kamboj Why only common citizen be covered under NPS?Why MP's and MLA's should not be covered under this??

[@btbuilder0213]

CM of andhrapradesh promised to scrap CPS and revert back to OPS with in 1 week of coming to power, he realized it is not viable and went on with CPS

[@AshwiniKumarS]

Same in TN, finance minister rubished possibility of switching to OPS in an interview.

[@siddharthsharma9283]

Yeah but kejriwal is not like that, he knows his freebies are killing delhi still he doesn't stop, he is imran khan of india and has no intention of bettering it and has greed for power

[@suddalarakesh7167]

@@siddharthsharma9283 Don't vote him next time

[@siddharthsharma9283]

@@suddalarakesh7167 I never voted for him , but at the same time I feel we have no sensible and nationalistic opposition like congress had when atalji was alive

[@bvssrsguntur6338]

@@siddharthsharma9283 How about Ghambir?

[@gigglemug985]

Thank you for explaining so well

[@aviator5g]

Short and simple..👍

[@Om_khandagale]

Other political parties are busy providing freebies and giving less priority to the development of our Nation but the Funfact is that BJP is prioritising NATIONAL security and Nation's development rather than providing only freebies.

[@vijayakumar_3]

Yes 💯

[@pavankumardhanve9134]

thanks to Modi ji for clearing 128000 crore rupees of bad loans for industrialist before gujarat elections, even bjp also provides freebies but only for rich..

[@ujjwal2473]

@@pavankumardhanve9134 indian economy and per capita income is rising because of the industrialists only, not because of a nalla like you who only knows to cry and cry😭 Cry baby cry cry even more😭 Btw It is difficult to make brainwashed people like you who have been mentally terrorised by the Congress against the industrialists of the country.

[@quasar6559]

Pension is not freebie , the video is very simplistic every one pays their taxes it is duty of state to look for a secure post retirement life , in 30 years large chunk of Ibdian population will get old , it is not duty of every employee to think about everything who serves his country for 30 plus years

[@pavankumardhanve9134]

@@ujjwal2473 Abe wo nalli Indian economy me major contribution middle class ka hota hai. Direct n indirect tax majorly pay by middle class. these rich people survives in debt by lending money from banks (people's money) just like adani. Brainwashed people are graduates from wats up university, and daily bjp media bajans like Zee, republic, times now, Aaj Tak, CNN and NDTV etc news channels 😂😂

[@komalprakash6770]

Like they say, good politics is bad economics. That is what's happening in states like Rajasthan, Chhattisgarh, Himachal Pradesh and Punjab.

[@curious_insaan1]

Add himachal too.

[@iamadityashekhar]

Vajpayee ji was such a far sighted leader.

[@rohitpg12]

It is even worse for corporate employees who pay huge taxes, also pay NPS own contribution but no employer or govt contribution. Is it not fair ask to abolish income tax for those who have switched to NPS

[@siddhantsingh6130]

Atal Bihari Vajpayee was a Visionary Statesman. 💯

[@maddrialan]

Thank you for educating the people on these much needed important topic!

[@anithaa1940]

Great effort

[@Pramod-mf6pk]

Thanks for the detailed video !!! Hope some greedy politicians understand the economics...

[@khandelwal_8080]

Commenting for better reach , so that they can understand that we cannot afford a terrible economics at this golden time...

[@dhruv1646]

Would love to see a geopolitical video on the importance of POK and what benefits will India get if they again gain control over it and considering Pakistans situation rn it can be a good topic for a video

[@vati216]

Sir, supposing some changes are made in Atal Pension Scheme like increasing pension amount from ₹5,000/- and giving option to choose between APY & NPS. Could it be a better solution than reverting back to OPS?

[@iiigraghu]

As always Excellent Enterprising Emerging Evolving Endeavor 🌹 💐 🤝 🙏