EPF Se NPF Me Investment Pe 4 Gunna Profit

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NPS KYA HAI 

Isme सेवानिवृत्ति ke liye invest kiya jata hai. 18 se 60 years ke andar ka koi bhi person iski suvidha ka phayda utha skta hai. 60 ki age hone par 60% rashi outright nikal skte hain and minimum 40 % amount EINUTI scheme me invest karni hoti hai. Jiske adhaar par aapko pension milta hai. EINUTI amount me aap 100% bhi invest kar skte hain. NPS ka fund share market, copyright bond and government circulars me lagta hai. Iske liye bhi aap option de skte hain. Isme invest and profit par dhara 80c ke tahat tax discount milta hai.

EPF SE NPS ME INVEST PAR4 TIMES PROFIT

KITNA MILEGA RETURN

Shares me invest hone ki wajah se APS par koi nischit interest nhi milta hai. Lekin NPS par return kafi attractive hai. Isme previous five years me karib 13% ka average return mila hai. Jabki kuch chuninda companies ke NPS me is avadhi me 13.69% tak ka return diya hai. Ek year me NPS ne 11% se adhik ka average return diya hai. Jabki kuch chunnida scheme me 20 % tak return mila hai.

EPF PAR KITNA INTEREST

Is par abhi 8.65 % interest mil rha hai. Income tax ki dhara 80C ke tahat EPS me invest, uspar milne wale interest maturation amount tax free hoti hai.

NPS JYADA PHAYDEMAND KAISE

Aap 30 shaal ki age ke hain and EPF ka 50 thousands of rupees NPS me lagate hain. 30 years me 13% ke anumanit interest par aapka amount near about 24.19 lakhs ho jayegi. Jabki EPF ka fifty thousands of rupees 8.65 Interest par 30 years me mahaj 6.63 lakhs. EPF par three level par tax free ki wajah se 6.63 lakhs rupees par koi tax nhi chukana padega. Wahin NPS ki paripqwta par Milne wali 60% amount par tax category ke adhaar par tax ka aaklan hota hai. Is tarah aapke 24.19 lakhs of rupees me se 14.51 lakhs of rupees par tax lagega. Present me 60 years se adhik ke logo ke liye 3 lakhs of rupees tak ki kamai tax free hai. New financial year se 3 se 5 lakhs rupees se adhik par 20% tax lagega. Is tarah 14.51 lakhs rupees par karib 1.10 lakh ka tax cut karaapko13.40 lakh rupees milenge. Sabhi tarah ke tax katne ke baad bhi NPS se aapki kamai karib 23 lakh rupees baithti hai. EPF ki kamai se karib 4 times adhik hai.

YOUTH KO JYADA PHAYDA

Ek 30 shaal ke yuva ko NPS me 50 thousands rupees 13% anumanit return par 30 shaal me karib 24.19 lakh rupees milega.  Wahin 35 shaal ke yuva ko same invest par 12.67 lakhs rupees milenge. Jabki 40 shaal ke vyakti ko mahaj 6.64 lakhs rupees milenge. Jo EPF ke amount ke equal hoga.

KYA HAI TRANSFER KI TECHNIQUE   

Aapke pass NPS ka account hona chahiye. Iske baad apne current employer ko EPF me jama amount ko NPS se transfer karne ke liye kahana hoga jiske baad employer pension fund trust se uske liye aavedan karega. Iske  baad pension trust NPS se sambandit dristributor ya bank check jari karega jise point of presence  ya POP kahte hain.

PFRDA KA RULE AUR EPF

Epf account do tarah ka hota hai. ek ka संचालन EPF act ke tahat aur dusre ka  income tax aadiniyam ke tahat. PFRDA ke rule ke mutabik PF act ke tahat sanchalit hone wale EPF account ke amount ka transfer NPS me easy way me ho sakta hai.

EPFO SHARES ME 15% LAGAYEGA

Market me teji ke bich EPFO maybe next financial year me apni invest yogya amount ka 15% shares me invest karega. Labour minster BANDARU DATTATREYA ne yah baat kahi. Unhone kaha hum next financial year me 15 % shares me invest karne ka prastav kar rahein hain. CBT ki baithak 30th march ko hogi.

thank you friends…

YEH BHI PADHE

NIFTY KYA HAI 

SENSEX KYA HAI

 

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