OPS vs NPS: कौन सी Pension योजना है बेहतर | OnlyIAS

#upsc #OPS vs NPS #pension_scheme #Opsvsnpsdifference
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[@Virtual-World341]

सरकार पे पेंशन का बोझ बढ़ रहा है , इसलिए देशहित और जनहित में सभी सांसदों , विधायको की पेंशन समाप्त का देनी चाहिए , और यदि ऐसा संभव न हो तो सभी सरकारी कर्मियों की तरह उनको भी NPS से जोड़ देना चाहिए ।

[@KAMALKUMAR-zp9tl]

👍 right

[@PankajGupta-xl9ht]

सभी लोगो की पेंशन बंद कर दिया जन चहिए क्यों की सभी नेता भी देश के लिए भार है

[@Premkumar-lk8ob]

Agar pe neta par nps ka bill neta pass hi nhi hone dega

[@user-wo4pz7di2v]

Agr NPS achha hota to sabse phle hmare desh ke sare neta us par toot padte kyonki jitni bhi achhi chize hoti hai neta log sbse phle use khud ke liye surakshit krte hai

[@KishorKumar-ql2om]

Vo b ek sath ek se jyada पेंशन ले रहे है नेता जी

[@infection0508]

Bhai ye sab bs common log k liye hota hai. Unko lagta hai common log kya hi kar lenge. Khud k liye to best se best facilities.

[@KishorKumar-ql2om]

@@infection0508 absolutely right

[@rohitkourav4057]

Kon hai re

[@user-wo4pz7di2v]

@@rohitkourav4057 apke Papa

[@piyushkar100]

There are some hilarious argument made in this video ( I'll try to mention a few of them). 1. Return in NPS is 10 time less in best case scenario than OPS (If we take inflation in consideration at the time of retirement). God knows, what will happen, if return will slowdown to 3 to 4% in future (which will definitely happen as country's growth slows down). 2. There was a case made for inter-generational "BURDEN". If next generation can use road and bridges made by previous generation, which was made by hard labor and under poverty, then why can't they pay a share of their income for their pension (Because by that time India will be developed nation compare to today, and they will not have burden to make so much road, railways and bridges, since majority of them are already built by that time. 3. Employee's 10% contribution is reverse generational burden imposed upon the employee currently living under meager income group. their future expenses are imposed upon them in present (Return of which prove futile to meet future expenses keeping in mind the inflation). If they really want to meet the pension of OPS under NPS (Which is very much reasonable) then government will have to increase their 14 % to 140% + link it to CPI index and fulfil the remaining amount (due to inflation) by its own fund. We all know its heavenly impossible to ask for. Hence, NPS is totally fraud scheme. 4. It was a bad decision to impose the future expenses on present which was already super-stressed (for both government and employee) just for the benefit of corporate sector. Because they are manipulating the money and making a fortune out of it. During corona period all return were in negative of 10% or plus. So just one bad incident (like recession of 2008 or corona 2020) and they will vanish the money like magic. organized

[@potato598]

क्या बात है गवर्नमेंट एम्प्लॉय को पेंशन मिले तो दिक्कत हो रही है और नेता लोगो को डबल ट्रिपल पेंशन मिले वो सही है।

[@sharmavanshika11]

People are resisting to change since they ain't friendly with share market. OPS m shanti se sidhe sidhe aadhe paise mil jate the bohot tha unke liye. Ab yha risk involved h

[@mukeshswami8045]

Economics is totally easy when you teach nor technical not difficult And option d is right answer And ops is better because it give a security to old parents from their meaningful child Like budda buddiya pde pde khata h and all and all Thanks sir for this knowledge

[@Lbsnaa7735]

सर मैं हिंदी मीडियम का स्टूडेंट हूं, मुझे पता है सर इकोनॉमी कठिन है लेकिन आप से पढ़ने के बाद लग रहा है कि आसान हो जाएगी।👍👍💗🙏

[@Sachin-cr9cx]

Ryt sir, thanku so much for teaching this beautiful concept

[@maheshingole3062]

As a government servant who served the nation must get dignified life after retirement. In new pension scheme it is next to impossible to for example the person who got last sallery about 1 lakh that person get pension approximately 5000 thousand do you think it is justice with him

[@pradeep.saho0]

Kya farmers, labour, private employees, shopkeeper others professional desh kile kam nehi karte? Like mp, mla u r thinking for your own benefit.

[@asishkumardas1365]

Govt employees g marao

[@shettigarrammohan2201]

Everyone knows how Government employee work. Even to complete some government related work one has to rome around 2-3 times in gov office and on the Top of which he need to pay bribes to complete the works. Also, why can't government employee invest in NPS like all other private employee by taking some risk??? Atleast, government employee job is more secure than private employee so they shouldn't complain about investing in NPS.

[@KishorKumar-ql2om]

आपातकाल में देश के कर्मचारी खतरा लेकर कार्य करते है लेकिन जब उनके भविष्य का सवाल आता है तो .... राजकोषीय घाटा, अर्थव्यवस्था पर खतरा नजर आता है। Mp MLA की पेंशन से कोई खतरा नही है क्या?

[@arunviyoj]

Option-D Introduce NPS with some changes 1-fixed payment system as it was in OPS

[@extragrade9328]

Only OPS

[@navdeepyadav3442]

80000 thousand salary pane wale 2000 pension paa rhe hai NPS , Aaj ke mehangi k hisab se ky 2000 thik h

[@gsmathshub2034]

Kon pa rha h 2k 80k pr Pdhe likhe logo Vali bt nhi h ye

[@narendrakumar-tb7fx]

Pehle govt jab OPS de rhi thi tab bhi road highway ban rhe the.... 1950 me jo asset (ex. Land) 3000 me mil jate wo aaj 02 lakh me bhi nahi milenge.. Aaj to economy boost par hai desh tarakki par hai to kya desh sri lanka ban jayega kya

[@shefalikuril3242]

Ans (d) neither 1 nor 2. Very nice explanation sir...yes sir economy technical hai, par tough nahi..

[@roshanprajapat97]

Giving interview this time ….found very helpful..thank you ❤

[@abhayxo]

watch interview?

[@manmutabik598]

Economy is technical,but it's cup of tea for me....💝

[@mitramoymahato3286]

Sir lecture samajh aa gaya. Hence, it is proved that Economy is technical but not tough. Answer is D. Neither 1 nor 2.

[@creativestudio3343]

Ye tujhe technical lag rha hai . Bhai tum logo ka level kitne neeche hai

[@mitramoymahato3286]

@@creativestudio3343 Aur tumhara soch kitna neeche hai...

[@AshutoshSingh-sx4nb]

It was good video thank you for this knowledge

[@jagdishbaldania]

In nps no pension after retirement

[@whitehat1659]

Govt. Should Ensure that it will pay difference of 50% of last basic pay if it will less.

[@user-wo4pz7di2v]

NPS share market par depend hai aur jokhim Purna yojna hai jitna Paisa aap jma krenge Umar bhar vo bhi milega iski guarantee bhi nhi hai

[@meena8814]

NPS barbadi h 😢😢😢 neta log 4 pension 10 pension le rhe h unka kya fir.

[@PRIYAKHATANA]

Thank You So Much Sir !!!!

[@payalrana1822]

This is best video to understand deeply .

[@mohanlaldhaka3793]

In 0 P S only employee contribute 10 percent out of his salary up to retirement in G P F and Government does not contribute if pension is given and OPS pension is not tax free although GPF amount is free at the the time of retirement received. 50 percent of the last basic pay at the time of retirement plus DA with regular increase will be be given in OlD pension.

[@sthakur66901]

Thank you😊

[@Sameerkhan-2002]

Thanks 🙏 sir

[@rupeshkumar-et2tk]

Nicely explained sir.

[@jagdishbaldania]

Stop MLA, or MP pension

[@dishasingh4863]

Thank you sir

[@Chandrakant-mc8hc]

Nice session sir

[@mukeshpatel2703]

Help full video Thank you sir🙏 एक प्रश्न है? पति पत्नी दोनो सरकारी नौकरी में है NPS aur ops में से एक चुनना है दोनो एक ही चुनें या अलग अलग कृपया बताएं 🙏

[@AjeetKumar-dt5lt]

Ops matlab garanti aur NPS matlab koi garanti nhi aap ka kitna paisa kta aur kitna milega iski koi garanti nhi hai aur ops me iski garanti hai bus yhi garanti kahiye NPS me

[@komalkumar2105]

Thanks sir

[@artiyadav260]

Options D sahi h OPS government burden reduce nhi karti h balki increase karti h . NPS me government and private dono employees include hai.

[@Swaraprajapati3104]

Economy technical h bt tough n

[@krushnachandramuduli4394]

OPS is Good for employees

[@AjeetKumar-dt5lt]

To bhaiya kewal serviceman hi apna NPS le agar itna hi achcha hai to neta log kyu nahi NPS lekr desh hit me kam karte aap ko NPS aur ops ki aur jankari lekr aana chahiye sir

[@ABHISHEKYADAV-pj4sz]

It is technical but not tough

[@user-wo4pz7di2v]

Ops is the best

[@mpscfix]

Option D Economy technical hai ,par rishab sir hai to Aasan hai ❤ Jay ho🙏🙏

[@bluerise4047]

nps meaning no pension scheme

[@babababablacksheep9452]

Bidhayak kharidne ka paisa kon se fund se aata hai.... Bjp कार्यालय banane ka paisa kahan se aata hai.. चुनाव karwane me lakho crore kahan se aata hai.... Congress pension dete hue aiims, iit, dam, bridge railway sab ko develop kiya...

[@PriyajitPattanaik399]

Wazifa,,har ghar dis tv etc jaise faltu scheme can through tax money but can't give pensions to GOvt. Employees.

[@darshankumar3058]

Sir, OPS me v to PF deduction hota tha n shayad? If yes, then contribution sirf govt ka kaise hua, plz clear it.

[@skp5701]

In OPS contribution by employee is not mandatory..if you want to contribute then u can withdraw it at any time

[@abhigyashukla4349]

Smjh aa gya sir Option D

[@user-hy9xj4js7h]

Data ko include inflation k sath karte to achha hota

[@aashutoshpandit6524]

Plzzz mains ques sir

[@CrazyMathwalla]

Sir what about pension of MP and MLA`s

[@jiteshd0121]

Hindi me notes dena start Karo sir taki hum bhi hindhi medium bhi apka course purchase kar sakte hai

[@karvautkarsh]

Although in short run OPS mey seem lucrative to both people and politicians for votebank but a long run results of a defined benefit scheme can be seem from a strong economy as USA. Over time it will turn into an enormous liability which cannot be paid back without significant economic costs. The employee will them self loss in real terms in the end. Also NPS is market linked so employees will be able to benefit from the strong growth in Indian economy over coming decades. A solution can be that government can benchmark the base return to a high quality government bonds and provide a little assurance to people.

[@ashutosh555]

NPS bhedbhav purn hai. Only ias must make video why is it applicable to employee why not for leaders

[@sanjeevchoudhary9699]

Economy technical par tought nahi

[@gurvinderbhogal3725]

I hate OPS as it brings disparity amongst society, without contributing anything, people do get attractive amount every month. Just compare this with private employees; don't you think it brings disparity?

[@thakursoni6437]

Ops is d best

[@sanjeevchoudhary9699]

Ans-d

[@Ravikumarverma100]

Neither 1 nor 2

[@DeepuKumar-oj2cj]

From where retirement comes?

[@samarthgupta1164]

Sir aap mapping weekly series again start kr dijiye please, I am requesting to you

[@ajaykamboj3098]

Ans -D

[@santoshyadav-kv3yh]

Aap jaise teacher ajye ... Koi knowledge gain ninkr skta 😅

[@DeepakKumar-if1tu]

NPS etna hi acha h to ye sabhi par lagu hona chahiye.. chahe wo politician ho ya koi aur service man. Sabhi to desh k liye seva kar rhe h.. fir kyon kisi ko OPS kisi ko NPS..

[@anitadeviagrawal3936]

भाई आपका पैसा अडानी अम्बानी को धनी बनाने के लिए नहीं होना चाहिए तो ops अच्छी है

[@the_diamond_soul04]

NPS is good if we see the long term objectives. Option D

[@Kinosjourney1]

Ops is better difference can be seen from the vehicles used by a government servent, a politician's family and a business man's family If we look at the car owner chart it will be seen that a middle class family is only able to afford a car under 10 to 15 lakhs on road , a politician is using cars above 50 lakhs on road and the average business man is using cars ranging from 50 to 5 cr on road from that view a govt servent is in the lowest chain so ops is better if not the best As for the burden part take more taxes from the big business man India is a developing nation we don't need super cars right not ,atleast the average common man's priorities doesn't contain a supercar

[@maneeshkumar342]

Jo bhi lagu ho sabse pahle neta saansad vidhayko par lagu hona chahiye

[@surindergupta]

Tax to ops per bhi dena parta hai.

[@divyamitblogs]

Only OPS Nothing else

[@anshi3632]

Technical but not tough

[@anshikashukla1229]

Neither one nor two

[@hemantkumarrathod2354]

B)2 only

[@rajatgilhotra1683]

D neither correct

[@SHUBHAM._.GHADGE]

Answer D

[@SandeepKumar-ei8ef]

Hindi medium se hu sir❤

[@Helpinghands544]

Jo purane log hain ops wale unka 10% Kaat k humara nps 20% aur Govt ka share 28% total hua 48% aur humari fix pension 40% kr doh +DA. Iss se Govt ko koi ghata b nhi pdega aur samasya b hal ho jyegi

[@-qx8dq]

option d

[@rachanaji7948]

Bhai MLA or Jo sansad hai unko 7/8 pension mil rhi hai unki bhi band Karo na 😢

[@jeetendrabairwa1138]

Only OPS option D

[@shettigarrammohan2201]

Everyone knows how Government employee work. Even to complete some government related work one has to rome around 2-3 times in gov office and on the Top of which he need to pay bribes to complete the works. Also, why can't government employee invest in NPS like all other private employee by taking some risk??? Atleast, government employee job is more secure than private employee so they shouldn't complain about investing in NPS.

[@prakashmeena3397]

Money not from govt. It is the tax collected from govt employee.

[@bholu619]

Nps k baad to tax aur jyada badh gya cost of living in rease ho gyi hamare paisa kha gya?

[@NehaSingh-py3he]

#ops is the only best option for employees if it is not good for the nation then why leaders are getting ops benefit

[@shashiverma2435]

First stop MP MLAs pensions

[@DharmendraYadav-sz7qu]

option -d both statements are incorrect

[@manishtanwar275]

Nether 1and2

[@ninig4504]

Kya govt ki koi responsibility nhi hai, us employee ke liye jisne apna pura youth govt ke liye de diya, ab usko old age me kiska sahara milega

[@ninig4504]

Aur rahi baat highway, airports ki to vo to phele bhi Bane they, Ye to govt ki responsibility hai old age me apne staff ki care karna Ase to fir govt employees ke family or self me medical expenditure bhi kaafi jyada hota hai to kya govt ko vo bhi limit kar dena chaiye

[@azarshaikh2325]

Neither 1 nor 2 NPS is available to all organised as well as unorganized, private as well as govt entities OPS increases the burden of the state governments as the sole responsibility of financing the pension falls on the employer I.e. state government as it is available to only state government employees

[@ashujuve]

Why should non govt employees support OPS? Why is our tax paying money being diverted to govt employees? Everyone must support NPS

[@NikangVideos6377]

This is good thought to not support OPS. We govt employees too will keep harassing non govt employees. Sarkaari daftar ki aisi chakkar katwaenge ki edi ghis jayegi...😂

[@pradeep.saho0]

​@@NikangVideos6377jab ops tha tabhi bhi esa hota tha, abhi bhi hora hai Desh ko Britishers se jayada politicians and government employees nai loot kiya hai.

[@navneetkumar3607]

Why should we support nps let me tell you something in govt job you only h job security not a handsome amount tum 5 saal m laakho m phonch jaoge lkin vo fr bhi hazar pr rhega or un hazar m se save krna hota h use ghr bhi chlana h fr saving bhi krni h or fr return kitna milta h hme nps m 8-10% 7% tồ inflation hi h hmare jo pese jude h us m se bhi 60% hme milega bs mtlb ki 1-1.5cr m se 60-90lac milenge jisme usne ghr bnvana h apne karze utarne h or baki ke 40% se pension milegi vo bhi kitni 25k-30k mtlb 30 saal baad bhi hme utna hi mil rha h jitna hme starting m mila tha or in pese pr bhi tax lgega mtlb hme 2-2 baar tax dena pd rha h apne hi peso ke upr

[@shettigarrammohan2201]

​@@NikangVideos6377Everyone knows how Government employee work. Even to complete some government related work one has to rome around 2-3 times in gov office and on the Top of which he need to pay bribes to complete the works. Also, why can't government employee invest in NPS like all other private employee by taking some risk??? Atleast, government employee job is more secure than private employee so they shouldn't complain about investing in NPS.

[@luckygoswamibly]

​@@NikangVideos6377tumhare baap ka daftar hai kya... Tax payers k paise se salary milti hai unhe he pareshan krne ki dhami dete ho. Ek video aate he gidgidate firte hain ye bade bade adhikari aur guthkhe baj Babu.

[@sachinkautilya5697]

Guaranteed pension or old pension only

[@mukeshkumar-je8wd]

Why leader takes OPS sir please sure neutrality

[@DG-xd5ls]

20:19 Ans: Option D

[@zeeplayz1]

We should demand for ops.

[@Arijit099]

NPS is New Pension Scheme

[@kartiktripathi7774]

One thing I understood that one employee gives his life of 30 toung 35 years in govt and get retires. Then govt should pay seva nivrity Vetan to that employee because he deserves that to live his rest life peacefully. But no, govt want to give burden to that employee after retirement as well. There are many flaws in this scheme. I urge people don't over look this scheme. Go deep and think from an rural and urban settled employees. They need happy and effortless life after retirement. There are many other ways govt is taking high GSTs, increasing inflation every year and targeting only rural area people or salaried people. Govt and there big business allies want our saved money and use in market to increase there business and if the business goes down the risk will be at salaried people. Don't be greedy for money after retirement. OPS is good. Get fixed amount and live rest of the life peacefully.

[@Prateeklovesg]

In OPS private sector employees get nothing. Private sector employees also work 30-40 years. They don’t get facilities like government employees. Literally all non-government employees pay for the retirement benefits of government employees while they themselves get nothing after retirement. Also, even if we keep tax rate for rich people of India at 100% every year , it will not be enough to pay for the pension (under OPS) for all government employees.

[@soumsgaming238]

#BringBackOps

[@sangamadhikari7047]

Why aren’t you sure whether it New or National Pension Scheme?😅

[@user-rm7hi3mh8r]

NPS sbhi logo par lagoo kre eak sman ye nhi kuch log PR NPS le kuch log ops

[@rajibkumarrabha201]

Tum sarasar jhut bola---tumne kaha ki technology aur medical improvement k wajah se aajkal log jyada saal jita hain--ye bohot bada jhut hain. Aap compare kar k dekho aajkal k log kitne saal jite hain aur purane jamane me log kitne saal jite the. MP, MLA ko kyu ab tak OPS de raha hain?

[@sawarammeena6365]

Onlay for ops not for onlay carmshari ops

[@sonamkamboj397]

Sir ab umr lambi nhi short hoti jari h