PRAN CARD


அரசு ஊழியர்களுக்கு மட்டும் தான் பென்சன் திட்டமா ? இல்லை ஒவ்வொரு குடிமகனுக்கும் வந்தாச்சு ! இந்திய அரசின் நேசனல் பென்சன் திட்டம்


இந்திய அரசின் நேசனல் பென்சன் திட்டதில் இணைய மற்றும் மேலும் விபரங்களுக்கு: +91 98941 71402

Wednesday 11 March 2015

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Tuesday 10 March 2015

இந்திய அரசின் நேசனல் பென்சன் திட்டம்

 கீழ் நிலை / ஏழை வர்க்கத்தினர், பணம் சேமிக்க NPS -LITE  திட்டம் மிகவும் பயனுள்ள திட்டமாகும்...

18 முதல் 55 வயது வரை உள்ள இந்திய குடி மக்கள் NPS -LITE  திட்டத்தின் கீழ் இணையலாம்.

மாதம் ரூ.100/- முதல் ரூ.1000/- வரை தங்கள் விருப்பம்போல் செலுத்தலாம்.
ஆண்டுக்கு நாம் ரூ.1000/- முதலீடு செய்தால் இந்திய அரசு ரூ.1000/- உங்கள் கணக்கில் செலுத்தும்.

ஆண்டுக்கு நாம் ரூ.1000/- முதல் ரூ.12000/- வரை முதலீடு செய்தால் அரசின் ஸ்வவலாம்பன் (SWAVALABAN) பலன் கிடைக்கும்.

ஓய்வு பெரும் 60 வயதிற்கு  பிறகு முதிர்வு தொகையில் இருந்து 60% வரை கிடைக்கும், மேலும் மீதமுள்ள 40% தொகையிலிருந்து மாதம் ஓய்வூதியம் கிடைக்கும்.

முதிர்வு 80CCD- ன் கீழ் வருமான வரி  உண்டு.

NPS -ல் NRI மற்றும் PPF சந்தாதாரர்களும்   இணையலாம்.

PRAN CARD பெற 2புகைப்படம்,  அடையாள ஆதாரம்  இரண்டு  ஜெராக்ஸ் பிரதிகள், முகவரி சான்று ஆகியவை தேவை.

சந்தாதாரருக்கு PRAN CARD 45 முதல் 60 நாட்களுக்குள்  தங்கள் இருப்பிட முகவரிக்கு தபால் மூலம் கிடைக்கும்.

NPS-LITE  இந்தியாவின் எந்த ஒரு இடத்திலிருந்தும் தாங்களே தங்கள் பென்சன் திட்டத்தின் தவனைத்தொகையினை வங்கியில் செலுத்தலாம்.

இந்த திட்டம் இந்திய நிதியமைச்சகத்தின் கீழ் இயங்கி வரும் PFRDA (PENSION FUND REGULATORY DEVELOPMENT AUTHORITY) கட்டுப்பாட்டில் உள்ளது.

மேலும் விபரங்களுக்கு: +91 98941 71402

WHO CAN JOIN NPS?



Central Government Employees

NPS is applicable to all new employees of Central Government service (except Armed Forces) and Central Autonomous Bodies joining Government service on or after 1st January 2004. Any other government employee who is not mandatorily covered under NPS can also subscribe to NPSunder "All Citizen Model" through a Point of Presence - Service Provider (POP-SP).
Procedure to subscribe
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State Government Employees
NPS is applicable to all the employees of State Governments, State Autonomous Bodies joining services after the date of notification by the respective State Governments. Any other government employee who is not mandatorily covered under NPS can also subscribe to NPSunder "All Citizen Model" through a Point of Presence - Service Provider (POP-SP).
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Corporate

A Corporate would have the flexibility to decide investment choice either at subscriber level or at the corporate level centrally for all its underlying subscribers. The corporate or the subscriber can choose any one of Pension Fund Managers (PFMs)- External website that opens in a new window available under “All Citizen Model” and also the percentage in which the funds are allocated in various asset classes.
Benefits to Corporate
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Individual

All citizens of India between the age of 18 and 60 years as on the date of submission of his / her application to Point of Presence (POP) / Point of Presence-Service Provider (POP-SP) can joinNPS.
Procedure to Subscribe
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Unorganised Sector Workers - Swavalamban Yojana
A citizen of India between the age of 18 and 60 years as on the date of submission of his / her application, who belongs to the unorganized sector or is not in a regular employment of the Central or a state government, or an autonomous body/ public sector undertaking of the Central or state government, can open NPS -Swavalamban account. The subscriber of NPS -Swavalamban- External website that opens in a new windowaccount should not be covered under social security scheme like Employees' Provident Fund and miscellaneous Provisions Act, 1952, The Coal Mines Provident Fund and Miscellaneous Provisions Act, 1948, The Seamen's Provident Fund Act, 1966, The Assam Tea Plantations Provident Fund and Pension Fund Scheme Act, 1955 and The Jammu and Kashmir Employees' Provident Fund Act, 1961.
Procedure to register for Swavalamban Yojana
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More Details : +91 98941 71402

PRAN CARD



NATIONAL PENSION SYSTEM

More Details: +91 98941 71402


Government of India established Pension Fund Regulatory and Development Authority (PFRDA)- External website that opens in a new window on 10thOctober, 2003 to develop and regulate pension sector in the country. The National Pension System (NPS) was launched on 1st January, 2004 with the objective of providing retirement income to all the citizens. NPS aims to institute pension reforms and to inculcate the habit of saving for retirement amongst the citizens.

Initially, NPS was introduced for the new government recruits (except armed forces). With effect from 1st May, 2009, NPS has been provided for all citizens of the country including the unorganised sector workers on voluntary basis.

Additionally, to encourage people from the unorganised sector to voluntarily save for their retirement the Central Government launched a co-contributory pension scheme, 'Swavalamban Scheme- External website that opens in a new window' in the Union Budget of 2010-11. Under Swavalamban Scheme- External website that opens in a new window, the government will contribute a sum of Rs.1,000 to each eligible NPS subscriber who contributes a minimum ofRs.1,000 and maximum Rs.12,000 per annum. This scheme is presently applicable upto F.Y.2016-17.

NPS offers following important features to help subscriber save for retirement:
The subscriber will be allotted a unique Permanent Retirement Account Number (PRAN). This unique account number will remain the same for the rest of subscriber's life. This unique PRAN can be used from any location in India.

PRAN will provide access to two personal accounts:
Tier I Account: This is a non-withdrawable account meant for savings for retirement.
Tier II Account: This is simply a voluntary savings facility. The subscriber is free to withdraw savings from this account whenever subscriber wishes. No tax benefit is available on this account.





Retirement Plan for All

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Pension plans provide financial security and stability during old age when people don't have a regular source of income. Retirement plan ensures that people live with pride and without compromising on their standard of living during advancing years. Pension scheme gives an opportunity to invest and accumulate savings and get lump sum amount as regular income through annuity plan on retirement.

According to United Nations Population Division World's life expectancy is expected to reach 75 years by 2050 from present level of 65 years. The better health and sanitation conditions in India have increased the life span. As a result number of post-retirement years increases. Thus, rising cost of living, inflation and life expectancy make retirement planning essential part of today's life. To provide social security to more citizens the Government of India has started the National Pension System.
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More Details: +91 98941 71402
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