National Pension Scheme India हिंदी में समझें | NPS Tax benefit | Retirement planning (part 1/3)

#NPS #nationalpensionscheme #retirementplanning
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National Pension Scheme (NPS) is a retirement option that can help save tax and get regular pension after retirement. The Government of India introduced the National Pension scheme in 2004 for Government Employees only but was later opened to all citizens of the country in 2009.
In this video Mr. Varun Malhotra, will explain the basics of the National Pension scheme (NPS) such as :
1. Eligibility for National Pension system
2. Age Requirements
3. Tier 1 & Tier 2
4. Tax Benefits
5. Withdrawal Option
The Tax benefits provided under NPS, the associated sub-sections under 80C and the extra 50K exemption under this National pension scheme will be discussed in the next video.
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Disclaimer: All videos/comments and all other forms of communication are for educational purposes only and should NOT be considered INVESTMENT ADVICE. The company (EIFS)/or any individual representing the company shall NOT be held liable for any loss suffered in any form by a student/youtube viewer/member of the public. Any information provided through our videos/classes/comments/social media posts or any other form must NOT be considered Investment advice.

[@VarunMalhotraEIFS]

To register for our Free in-person Financial Literacy Awareness Program (FLAP) in Delhi NCR visit www.varunmalhotra.co.in/classroom1-2 or call 18001231668. Next classroom Awareness Program (FLAP) will be conducted at Epicenter (Auditorium of the Apparel House), Sec. 44, Gurgaon. Date: 9th Feb,2020. Time: 1:30 pm - 5:30 pm. Team Varun Malhotra.

[@rishygoel3302]

Brilliant as always. Cleared my doubt on NPS. A movie should be made over Mr. Malhotra's effort made for the financial literacy in our nation and improving the Indian economy. God Bless Team EIFS.

[@dhruvpatel1245]

Thank you sir ... amazing FLAP cource....me 3 sal se galat investment kar rahatha...aanke kol di ...aapne...again thank you sir ...great job sir...

[@aaminvestors9126]

Sir aapke saare video dekhta hoon aur aapke video dekhne ke baad bahut kuch samajh me aane laga hai AAP great ho sir..

[@vijitdixit]

Before starting the video, I first hit the like button because i know that in 9 min.. i am going to get pearl of wisdom.

[@VarunMalhotraEIFS]

Thank you so much Sir, really grateful for your kind words :)

[@potter4326]

@@VarunMalhotraEIFSNPS' is it really worth

[@1985rishi]

Have attended your 4 hours session. You are doing public service. Thanks.

[@RohitMoghe]

आपका बहुत बहुत धन्यवाद बहुत ही उम्दा पद्दति से वर्णित शैक्षणिक चलचित्र । आपका आगामी भाग NPS की प्रतीक्षा रहेगी।

[@Moneytalke]

Hi Varun, i appreciate your work. There more : ELSS comes with a statutory lock-in period for 3 years. Even if, the fund is not performing well, or market is looking jittery, you can’t touch the money for the next 3 years while NPS allows you to switch the pension fund or asset allocation, though only 2 switches are allowed in a financial year. An individual can spread his investment across ELSS scheme as many as he wants, an individual can start a Sip with as little as Rs 500 per month. On the other hand, NPS does not allow to diversify the invested amount. An investor has to go with the single pension fund manager for the entire corpus.

[@vikaskanpillewar8895]

Make a video for govt employees sir . We are very unknown about nps performance than old pension scheme

[@farheenbegum2223]

Very well explained

[@yashpalchauhan3]

thanks for this informative video on NPS. Can you please also make video on the NPS Scheme for govt. employee vs old pension scheme. Which one is better. Request you to pls make video on this as well

[@chintusada7427]

Yes please

[@rajatchaudhary1189]

Sir I have two questions: 1) Agar pehle 5 saal bond/debt select kiya tha or 5 saal baad equity ki option select karli ....toh kya equity select karne ke pehle wala debt bond me invested amount bhi equity me daal diya jata hai ? 2) 60 ki age ke baad bina fix kiye nahi withdrawal kar sakte jaise 62 ya 65 ki age me ?

[@ajitsahoo1]

Hello sir. Thank you for the video. If someone has died before retirement. What happened to the nps fund.

[@papu237]

What about charges incurred to open, transaction & maintain the NPS account by POP & CRA. It is not negligeble for long-term investment or if you opt for SIP. Please make a video on it also.

[@eprasadji]

If a government employee invest in tier 2 account. Is thr any lock in period for him/her?

[@DINESHYADAV-ok3oe]

Sir grow aap safe h or future me bhi safe rahe ga ?

[@preetigupta793]

sir plz make a video about recurring account.....and its benefits...as i won't be able to save money for a long time....plz

[@satnamsinghhans6987]

Tax saving ke liye sabse achha option kya hai, aur badalate vakt konsa option sahi hai ?

[@aniketbansode93]

Thanks a TON TON SIR for your FLAP program, your videos inspired me to start preparing for mba finance! Do visit Mumbai, want to personally meet and attend your live session!

[@nishaharjai3980]

V good Varun ji... Thank u very much

[@RajVerma-mc2pj]

Great sir .Please upload more videos

[@happygharu7221]

6.21,sir ji exempt rule still applies???

[@greatwarriors8503]

Sir your voice is very strong.

[@Responsejayant]

Sir can you please compare the NPS and APY

[@mihirchaudhari7670]

This video's presentation is best among your others

[@debottambakshi8037]

thank you too much sir ...sir please continue helping us....too much love and respect...❤️❤️❤️

[@BhupendraSingh-uh7wz]

Is account ko kha khole kya nsdl hi ak option h

[@narmadaskinclinic6750]

Excellent video,Question-is pension taxable and what is max amount limit of deposit in T 1 account

[@manishsharma1834]

Waiting for next video...? Plz make it soon. Thanks

[@sachidanandprasad_srp1642]

Great thought and initiative

[@manishsharma1834]

Need to know whether its beneficial to go for nps or mutual fund or nifty fund..?

[@satnamsinghhans6987]

Elss fund npf se achha hai ?

[@hirennnshah8828]

Very very nice help and best of the best guide....One question...If I open account with 5000 rs per year and next year if I want put 20000 or 30000 then can I put in this NPS account and after next year again I put 5000 then it is possible...Plz plz guide and reply me plz

[@hirennnshah8828]

Plz reply my question sir plz

[@VarunMalhotraEIFS]

anything within the tax deductible limit is okay.

[@vipul23388]

vedio khatam huwa to laga are yaar ye katappa ne bahubali ko kyu mara hoga😀.......waiting for sequence...thanks sirji

[@mishra24365]

Could you pls make a video about vpf vs ppf for longer run ?

[@MrPatilkalpesh]

Thank You Very Much Varun Sir ... Real investing 👌👌

[@nirjharacharjee1088]

Very informative video Sir. Please keep sharing such wonderful videos. Thank you.

[@abhinavgaur6283]

But nps fund managers don't invest in nifty or indices like earlier They invest in other stocks in midcap etc too So what should be done?

[@UMLifee]

Please add recent updates on NPS as per budget 2020. You really explain pretty well.

[@biju2725]

Equity 75% tak exposure means ye money index fund me invest hota h ya isme money lost hone ka risk h sir

[@drsundeepnigam]

Can full amount be withdrawn from NPS if total value is less than 5 lakh.What will be the tax liabilities on full withdrawal after 60 yrs

[@prakashchhetri4717]

Sir kya ek admi ppf aur nps dono khata open kar Sakta he???

[@gauravdixit5116]

Thanks for video pls make video on financial planning for young people under 25

[@vyasprateek]

yes sir absolutely this is very important for youngsters, students now a days do not get these knowledge from there parents, youtube is a best way to spread these knowledge, parents always tell "Tum abhi in sab cheezo me mat pado bas padai karo".

[@abhibatchu940]

@@vyasprateek they are not completely wrong.

[@TheSahil1575]

what should be our portfolio... equity% ..debt funds% etc etc... please.. suggest what could be the best combination..

[@VarunMalhotraEIFS]

Hard to answer in a cookie cutter way sir. There is a decent amount of understanding required so we think You should focus on learning the rationale behind how to make such decisions instead of getting the final outcome because these things are not static. If we change our mind tomorrow you won't know right? So better to learn WHY behind the decisions than the decision itself. You can consider enrolling for our intensive course (paid) on www.varunmalhotra.co.in All the best EIFS Team

[@AdityaNRai]

Thanks @Varun for touching every financial aspects of a common man.. Behatarin explaination, eagerly wating fir the next 1...

[@HARI-nm2iz]

Sir, your videos are good. Please make English subtitles for your videos which is use for non-hindi speaking people. Thank you

[@VarunMalhotraEIFS]

Yes, great suggestion & Thank you

[@eknathht3265]

Muze apna EPF account NPS me transfer karna hain kya ye ho sakta hain? Agar ho sakta hain to kaise kare?

[@rajeshgautam8073]

Very informative sir..... Our nation needs a financial guide like u........ Thanks a lot sir

[@VarunMalhotraEIFS]

Thank you so much Sir, great to hear you liked our videos. EIFS Team

[@drkizen7252]

Wow, very good topic selected sir, eagerly waiting for next video.

[@AshishRohillax]

Very good video sir, waiting for next part

[@hemangisanghvi980]

Sir, I put every year 1.5 L in the ppf. I would like to know, if I should put 2 lakhs in NPS, or only 50 k in the NPS. Pls advice, if can put 2 L in the NPS, even if I m putting 1.5 L in the ppf & Also, getting 10 % return, CAGR, is possible. My age is 37. I opened the NPS a/c, only this yr. I am happy if I get 10 %, CAGR. SO,

[@kiranmane1832]

I am finding every video by Varun very informative....

[@shashasag]

sir next video feb me hi lana taki tax benefit le sake if it feels reasonable..

[@abhijitpaul4500]

Hi Sir, Agar main Tier1 me Rs.500 invest karoon aur baki Rs. 49500 Tier 2 me invest karoon..To kya main Rs50000 80CCD(1B) me dikha sakta hoon..to save tax? Please sir answer my question.

[@fakhrakhatoon]

Varun you are very knowledgeable, your video is truly helpful. I just want to request you to kindly not be repeating specially in the introduction.Please come to the main subject faster.Just a suggestion as I truly value your video.Thank-you.

[@VarunMalhotraEIFS]

Thank you for the feedback. Will try and improve in future videos

[@RaviGupta-ge1jp]

Hi Varun - Great series of videos on NPS. Very information and clear presentation style. I have a few questions - Appreciate your responses to each: 1. Does the annuity at maturity have to be for life? Can the subscriber not choose a term-based annuity for say 10 years or 20 years? 2. What is the tax treatment on withdrawals from Tier 2 accounts (for non-government employees)? Will the withdrawals be subject to capital gains tax or regular income tax? How will this be calculated - basis, accretion, etc.? 3. Is it true that the Tier 2 deductions with 3-year lock-in that has been made available to government employees is expected to also be made available to private (non-government) employees and self-employed individuals in FY 2019-2020? 4. Do you have any insights or calculations or even reported data to share which asset managers are performing the best with highest yield's? 5. If I were to make an asset allocation change in my existing Tier 1 account, will the new asset allocation mix apply only to future contributions? Would my existing portfolio be also liquidated and reallocated to the new asset allocation mix? 6. Can I have a separate asset allocation for Tier 1 and another asset allocation for Tier 2 account? 7. Can I have a separate asset managers for Tier 1 and a different asset manager for Tier 2? 8. The current NPS statements are very basic. Are there any tools to get more detailed transaction-level and account performance details online? 9. I opened an account years ago when NPS was first started with a physical POP. Can I register directly with eNPS or CDA, etc. to be able to view and see my account and transactions online? 10. If I were to use eNPS or the mobile app to make NPS transactions would I be subject to lower or no transaction fees as I would not be using an intermediary such as the POP?

[@indiautube4915]

Hello Sir, thanks for the video..have question realted to G in nps.Since G is Governemnt securities Gilt fund, its value depends on price of the securities.Is this money safe.Or being market linked it can become negative depending on Interest rate cycle.Does it make sense to keep rebalancing(twice year option) between ECG based on nifty movement.Or since G is not safe not to do rebalancing

[@Indian.badger]

Nice thumbnail this time and video production I awsum tooo...VM.= Valueable Man

[@revanthnathan2702]

can we invest in NPS and ELSS fund and PPF all three and then can i get 2 lkh tax saving

[@debasish4u2000]

Let's say my current employer has a way to contribute 10% of my basic towards NPS and on top of that I also contribute 50k per year. What if in future I change my employer and the new employer doesnot have this NPS provision. Will I incur a penalty as the amount is not getting added every month?

[@chetankishoresrivastav]

Sir can u please compare the NPS vs APY vs PPF...

[@anveshch]

Is ELSS is also Exempt Exempt Exempt?

[@surajthakre8797]

Nice video sir....In next video request you to please put limelight on returns and portfolio of NPS. Because being Govt. Employee we do not have choice to divert fund from NPS to Nifty (Index fund) and for that we have to make separate provisions. Hence returns in NPS is also going become important for us.Thanks.

[@sajaldas4969]

Hi Varun, please include my following query in your next NPS video 1. I have open my PRAN during 2017 but i didn't invested any amount till date but now i interested to invest, is there any issues i will face in future. 2. Next problem recently i changed my job but in my account all details are showing of my previous employer, how can i change those information?

[@dharamveersingh7627]

VM..VALUEABLE MAN..VarunMalhotra👍

[@saasmienterprises]

Very good & simple explanation.. Seems good @ new features than equity oriented other products. Who will manage the fund folio and related charges ? How to check returns ? Eagerly awaits for next part video regarding this.. 🙏

[@ayushgupta4604]

Can you please also tell how to select fund manager for NPS investment.

[@gomzy279]

Nxt vdo when sir...??? Pls b4 feb 28th...

[@64skar]

What are the additional charges, if you opt to stay invested in nps after 60 yrs

[@2207maddy]

Thanks a lot for this video and next video in advance. After budget please make video in SGB also. I read , govt is planning to make that also lucrative.

[@umeshraghuwanshi5640]

Varun ji kya business person BHI NPS me invest kr sakte hai

[@MaheshKumar-fc8bn]

OPS per bhi video banaye

[@yogendramishra682]

sir please tell about defence personal also

[@drchandachhatlani8040]

Pls explain 80 c in detail ...

[@motivationmeditation196]

Sir nps me fund manager kon sa choose kare

[@TheHamsncom]

I have one question...what about the Death case...? If NPS holder dies before retirement...what will happen with his money..???

[@akshaypatel6677]

Sir thanks for educate us. Thanks again and i always wait for ur video

[@anilkumar36437]

i am working in central government can i with draw money after 10 years of service and get pention

[@TheHarsh01]

If the pension withdrawn is added to income then it automatically becomes taxable. So it is not completely tax free EEE.

[@pranavsingh1128]

U explained it pretty well

[@Gagansahni03]

sir for Govt or private employees if they inverst Rs2000amount + same amount Rs2000 by employer deposit 2) Sir i am shopkeeper if i invest Rs 2000 or who will contribute same amount or not please explain

[@jabedhussain4254]

Nps ke side effects bataye plz

[@apoorvagarwal796]

Thanks for informing

[@RahulKumar-zv2nd]

Nice video, waiting for next video.

[@rahul99305]

is next video created ? atleast mention date and try to complete one topic in one video ..

[@VarunMalhotraEIFS]

Next video coming soon sir by Monday. Thank you for the feedback

[@consciousengineering4399]

Thanks for uploading the video sir...thanks for inspiring us

[@jeeteshwarsarkar3023]

Nice video sir. Sir it's a request if u make a video on NPS for central govt employees, with mathematical calculations,, sir it will be very helpful as this will be shared amongst all my colleague. Thank you.

[@rajibbiswas5563]

i have a doubt i have recently open a NPS Account so kindly tell me whether the monthly contribution towards NPS will be deducted automatically or shall i need to manually transfer monthly contribution in NPS Account?

[@sachindhiman4635]

at 5:50 , the recent rule states that 60% of amount is tax free whereas the rest 40 % has to be invested in annuity scheme the income from which is taxable. Correct me if I am wrong.

[@prempatel347]

is it better to invest in nifty next 50 index fund than nifty 50 index fund?

[@VarunMalhotraEIFS]

Hello Please watch out other videos on the channel, it will help answer the question. Important part is understanding WHY behind making an investment decision NOT simply what to do. Please checkout this video : kzbin.info/www/bejne/aoKsZ5mqbciIobc Also, we recommend you attend out 4 hour Course on Investing at www.varunmalhotra.co.in, which is free right now. All the best EIFS Team

[@prempatel347]

@@VarunMalhotraEIFS Hello sir, i have seen most of all the videos of your channel and attended your 4 hours course. you always give advice to invest in any index fund and after researching it makes sense. but still confused so my question was, is it wiser to invest in nifty next 50 index fund ?

[@MohammadWasimKhan]

I am from Madhyapradesh but staying at bangalore in rented house so what address proof should i enter in Correspondence Address Details section. I dont have anything on address of current rented house. What should i put here ? please suggest.

[@VarunMalhotraEIFS]

please contact your Bank about this Sir or relevant NPS authorities. Thank you

[@abhasdash]

I have one query. If my monthly income is around 1lakh and I want to take total 2 lakh tax benefits under 80c by investing in NPS plus ELSS then how much should I invest in each? If I am investing 50k in nps and 1.5lakh in elss then will I get 2 lakh tax benefits?

[@ionstrikesback]

In the next video please consider to cover that whether 1. one should invest more that 50K per year on NPS . 2. If yes than how much (in percentage of one's salary)? 3. Should it be monthly or once a year ,lump-sum,is OK?

[@kiranZXI]

Very curious about next video...im nps controbutor....no one can expalin like VM..

[@Naren061982]

Thank you sir , waiting for the next Video

[@kirank1251]

Nice video.... Waiting for next announced video. Sir I request you to do one video on ELSS vs NPS. Which will be beneficial for young investor.

[@Rohitsingh-qr1mc]

सर इस पर वीडियो बना ही नही पाएंगे, क्यो की उनको इस पर कुछ जानकारी देनी ही नही है, तभी तो आज 3साल हो गया, अभी तक नही बना पाए, Nps को प्रमोट करना था तो आप लोगो को इंडेक्स फण्ड के बारे मे क्यो बताते है वरुण सर😇😇

[@vallabhmahajan767]

Awesome video sir, thank you for the knowledge.... Waiting for the next video on calculations

[@amritpreet1044]

Should I invest in NPS tier 2 account along with tier 1. Is tier 2 better than SIP ? What is taxation regarding tier 2 account ? Please guide me.

[@VarunMalhotraEIFS]

As mentioned in the video sir, there are no tax benefits in Tier 2 👍 Thankyou EIFS Team

[@kesharsingh8786]

Mera bhi same sawal hai tier 2sip se achaa hai kya ,apna dimak utna nahi chalta share marke me

[@jayeshsoni3501]

Thank you Varun for this video and looking forward to 2nd part

[@vix025]

Very good video