Part-II | NPS withdrawal rule changed | How to invest in NPS | What is NPS?

[@gurupaarvai]

NPS Part-I full video Link👉👉 kzbin.info/www/bejne/p3WldnqcfrWSosU NPS LINKS👉👉 enps.nsdl.com/eNPS/NationalPensionSystem.html NPS trust 👉👉 www.npstrust.org.in/ NPS Calculator 👉👉 www.npstrust.org.in/content/pension-calculator NPS FAQ 👉👉npscra.nsdl.co.in/all-citizens-of-india.php NPS Withdrawal 👉👉npscra.nsdl.co.in/download/FAQs_on_Partial_Withdrawal_Request__.pdf NPS Continuation_Deferment 👉👉npscra.nsdl.co.in/download/FAQs%20on%20Final%20Exit%20Annuity%20and%20Continuation_Deferment%20Process.pdf

[@vigneshpalanivel4973]

I registered NPS through POP (Bank), even though I contribute by eNPS am getting trailing comission deducted... What's the way to Stop that... Elangovan sir to reply

[@iamkgraman]

Thanks for this wonderful information Guruji🎉🎉🎉

[@vilvaneshk6622]

Sir, உங்களுடைய நேர்காணல் மற்றும் குருஜி அவர்களின் பதில்கள் மிகவும் நன்றாக இருந்தன மேலும் என் பி எஸ் டயர் 2 அதைப்பற்றி Withdrawal சம்பந்தமாக விவரமாக எடுத்து கூறினால் நன்றாக இருக்கும்

[@srinivasansv1479]

very good very useful my best wishes to your team sir. viewers should appreciate that they get this kind of video at free of cost

[@ambaissmsubramaniannewrura1045]

அருமை குருஜி சூப்பர்

[@ramkumarh6832]

Super Update...Thank you very much sir!!!

[@prabhus3737]

Thanks for detailed explaination...

[@Sathises77]

Superb coverage on nps sir

[@deepanadhitya6455]

The total deduction on employer contribution is restricted to 1.50 lakh. This will fall under the umbrella of 80C limit itself. It's not an additional deduction over and above 1.50 lakh provided under 80C. Meanwhile, for employee contribution you can get additional deduction of 50K.

[@tramesh6]

Thanks to both of you.

[@elangovanshunmugam453]

👍👏🙏🏻

[@babuk7386]

Thanks for your information

[@MUTHUKRISHNAN-mv6jj]

SLW pathi sollavum please

[@coffeetea8484]

Early exit before reaching 60 years , 80% should be through annuity and remaining 20% corpus will be credited to your account

[@prabhuramalingam1404]

Employer NPS contributions can be max of 10% on Basic+DA.. No capping..

[@parthasarathy6895]

Team thanks for providing so much detailed explanation about NPS and it’s benefits. I have two questions, (1) How can the subscriber change the status from resident to nonresident without reaching out to POP bank/agent as the account is in e-NPS mode. (2) After few years if the nonresident subscriber returns back to India how should he again update his residence status. Also if you can do a short video about NPS-NRI impact, it will be great… thanks again

[@elangovanshunmugam453]

We will try. 👍👏

[@raghaviv1218]

Zero interest ஆக உள்ள காலங்களில் எப்படி வட்டி தருவார்கள்

[@sudhakarseenivasan2997]

Thank you team for such a clarified content. I have a query - Contribution by employer to NPS falls into the same account we create or it has to be different account ?

[@vigneshpalanivel4973]

For an individual can have only one NPS account

[@elangovanshunmugam453]

Same account of yours. Company has to register it with NPS 👍👏

[@bennodeepak134]

EPF HIGHER PENSION SCHEME PATHI PESUGA GURU - G

[@ambaissmsubramaniannewrura1045]

குருஜி சாதாரன மக்களுக்கான பாரத பிரதமரின் NPS திட்டம் பற்றிய விவரங்களையும் கூறுங்கள் வாழ்க வளமுடன்

[@ramalingamv2456]

Team, Thanks for valuable content can you also talk about APY Scheme pls

[@elangovanshunmugam453]

Already did one video on that issue. Please check it up. 👍👏

[@ramalingamv2456]

@@elangovanshunmugam453 Thank you Sir

[@heeraamurugan7394]

Sir balance 40% eppa kidaikkum

[@sidharthramasamy3781]

Sir I've a question.. ? How to choose NPS wisely. For example, If we have exposure in Equity through various sources (stocks, Mutual Funds, ETF) then there is no point in choosing Equity option again in NPS.. Likewise, how to make a decision on how to manage Active fund ? Is it mandatory to choose Tier 2 ? I selected both tier 1 and tier 2. is it possible to close tier 2 alone ?

[@elangovanshunmugam453]

There are too many questions. Watch our live session on Thursday 3 pm for complete answer. Tier 1 is mandatory but not tier 2. You can exit from tier at any time. Only tier 2 alone cannot be opted as well. Investment in nos is an optional. It is to inculcate saving habit and help you to take investment opportunity during ups and downs of market cycle and for good tax free corpus at the the time retirement. Experts handle it in nps better than individual at a paltry expense ration. I am not paid by nps to promote it. Thanks for your queries. Rest on live show. 👍👏

[@visuvanathanm170]

Sir, central government employees default setup la irukku. Itha active choice change panna mudiyala. Auto choice choose pannalam nu try pannunen. Aggressive auto choice option varala.

[@parthibanthangaraj6988]

what if the contribution can't be done till 60 years of age. Nobody has guaranteed job in the private sector

[@shanmuganathand8575]

Sir, I am govt employee, joined from 2004, so I am NPS scheme, now the central government recently given the chance to give switch over to old pension scheme or continue with NPS scheme, sir please suggest which one is better for my retirement

[@aforarunvs]

what happen if I didnt pay monthly amount because I dont have amount for upcoming months. Because If I started new business and dont have earnings.

[@sweetnandha]

One time payment options irukaa? Evalo pannalam

[@francisdevaraj7785]

How much maximum we can subscribe in tier 1 and tier 2, flexible payment option is available ?

[@narayananlekshminarayanasa3217]

LIC ஜீவன் உமங் திட்டம் வருடம் 1லட்சம் 25வருடம் கட்டி உறுயாக வருடம் 2 லட்சம் 100 வயது வரை தொடர் உறுதி வருமானம். 100வது வயதில் 2.5கோடி ம முதிர்வு தொகை அதுவும் வரி இன்றி கிடைக்கும். PLS ANALYSE

[@ManoEffortless]

Naanum join panni emandhutten ippo velilayum vara mudila.Yearly return rate pottu paarunga 5 percent dhan varum

[@gangaiseelan5502]

If the NPS account holder became NRE after opening the TIER 1 account. my doubt that He can continue contribute same account or any change required?

[@balasubramaniank5236]

After 60 years , suppose at the age 62 whether we can exit from the system. I.e 60 they will return with out any reason.

[@prabhus3737]

Sir, also explain what will happen in case of death after 61st year.. Just for knowledge purpose

[@elangovanshunmugam453]

After 60 years 60% will be given to you balance will be given to annuity provider who will give you pension monthly or otherwise as per your wish along with 5 or 6 % interest on the balance corpus.

[@prabhus3737]

@@elangovanshunmugam453 Thanks Guru ji. Can children also be nominated ?

[@dharmapuri-angalamman]

Sir please tell process of exit due to death

[@mageshkumar8289]

Hi bro, Is this possible to pay like below wise.. example...I have this month 2000 Rs, next month 5000 Rs, next to next do have, can this possible?

[@besanjas8834]

sir i have a doubt, if the contributer passed away, will the pension goes to the wife or spouse? after the wife passed away will the annuity sum goes to the nomineee? Thanq

[@n.s.venkatesanvenkatesan8811]

Sir what about 40 percentage aum when it will return

[@geecay]

you will get a return(monthly/quartely/half-yearly/annual as per your choice) for that 40% .

[@vijitharobinson4613]

How many years

[@sathishkumar1972]

I have a doubt. after a period of time if I'm unable to contribute, can I close the account? next question is whether I can increase my contribution at any point of time?

[@elangovanshunmugam453]

Exit after 3 years with certain conditions.there is No restrictions on contributions

[@spk3266]

I am a state gov employee in cps scheme. Shall I contribute NPS Sir

[@premkumarirsr]

When 40% amount will be refunded? ???

[@sredharbalaraman1387]

Monthly pension with 5 to 6 % interest .

[@anandakumarsivasankaran8290]

3 times, 25% எடுக்கும் போது அதற்கு tax வருமா?

[@sredharbalaraman1387]

Yes

[@prabhus3737]

Guruji.. Can one person hold APY , PF, NPS??

[@prabhus3737]

PF anyway deduct for salaried.

[@sundaresanganesan6188]

Sir I have subscribed NPS for 50,000 exemption part now since taxation relaxation is not available can I completely close it

[@Potriselvan7]

After 60yrs ,u say 60percent is given but other 40percent ku intrest tharuvanga solringa but andha 40percent amount varuma varadha ,vandha epo eduthukalam?

[@sudhakarseenivasan2997]

It will be given as monthly pension to you.

[@sidharthramasamy3781]

Upon the person's death, the person's spouse will continue to get pension, and upon spouse's death, the child will get the 40% sum

[@elangovanshunmugam453]

60% will be returned to you and 40% will be given to annuity provider who will give you monthly or quarterly pension as per your wish which need to be decided by you. Thanks for your query 👍👏

[@aarambam8962]

Can students participate in NPS

[@mohanchokkalingam1749]

🌹🌹🌹🌹🙏🙏🙏🙏👍👍👍👍

[@murugesanjegannathan5254]

PF பஃண்ட் நிதி ஆணைக்குழுவின் பணிகளில் மத்திய அரசின் நிதித்துறை அல்லது ரிசர்வ் வங்கியின் தலையீடு இருக்கிறதே. டாலருக்கு நிகரான பணத்தின் மதிப்பு குறையும் போது அதை சமாளிக்க PF Fund மற்றும் LIC நிறுவனங்களுக்கு தலையீடு இருக்கிறதே. மக்களின் சேமிப்பு வீணாக்க படுகிறது என்று எங்களுக்கு ஐயம் உள்ளது.

[@narayananlekshminarayanasa3217]

ஊழல் தலைவிரித்தாடும் போது கேள்வி கேட்க வாய் திறக்காதவனெல்லாம் நேர்மையாக ஆட்சி செய்யும் மோடியை கேள்வி கேட்பது மோடி பதில் சொல்வதும் ஜனநாயக மாண்பு.நேர்மையான ஆட்சியை சந்தேகிப்பது தான் மடமை

[@shanmugavelsengodan2010]

Sir, most of the firm retirement age is 58, will it close at that time

[@gurupaarvai]

For nps it is 60 years. 👍

[@SenthilKumar-hm4nq]

After 60 years, if i not withdrawn 60% amount, then to100% amount may i got monthly pension?

[@geecay]

yes, you can contribute 100% to annuity. 60% is the maximum lump sum withdrawal option, we can't withdraw more than 60%. But in general, it is not advisable to contribute 100% to the annuity. withdraw 60% and use that amount to the one or any of the below option. 1.) Close debt if you have any. 2.) Invest in AAA rated bond which will offer a higher interest rate than your annuity returns(Am not sure about returns from an annuity, seems like it is around 4% to 6%) . 3.) Invest in high-paying dividend equity (any PSU/INVIT/REIT companies). e.g= PGINVIT dividend yield is more than 8% 4.) Increase your medical insurance coverage if possible. Disclaimer: Am not an investment advisor/ Auditor. Am a beginner in learning Financials.

[@SenthilKumar-hm4nq]

​@@geecay thanks for the information