UPS : यूनिफ़ाइड पेंशन स्कीम की 6 खासियतें

Story Created By: Vivek Rastogi Image Credit: iStock [{ "selector": ".tlcrs-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "80%"} ] }, { "selector": ".gqrgd-a", "duration": "1000ms", "fill": "forwards", "delay": "1000ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }, { "selector": ".bljfa-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }, { "selector": ".weonl-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }]

केंद्र की नरेंद्र मोदी सरकार ने बीते हफ़्ते केंद्रीय कर्मचारियों के लिए यूनिफ़ाइड पेंशन स्कीम, यानी एकीकृत पेंशन योजना या UPS को स्वीकृति दे दी है.

Image Credit: iStock [{ "selector": ".ldudw-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 452px))", "opacity": "70%"}, {"offset": 1, "transform": "translateY(0)", "opacity": "70%"} ] }, { "selector": ".ztdnz-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }, { "selector": ".blczw-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }]

इस योजना से 23 लाख कर्मियों पर प्रभाव पड़ेगा, और इसका मकसद कर्मियों को रिटायरमेंट के बाद आर्थिक सुरक्षा और स्थिरता प्रदान करना है.

Image Credit: iStock [{ "selector": ".zfzrp-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 452px))", "opacity": "70%"}, {"offset": 1, "transform": "translateY(0)", "opacity": "70%"} ] }, { "selector": ".wzsfn-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }, { "selector": ".ebugb-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }]

वैसे, अगर राज्य सरकारों ने भी इस योजना को अपनाया, तो लाभार्थी कर्मियों की तादाद 90 लाख हो सकती है. सो आइए, आपको बताते हैं UPS के 6 सबसे बड़े फ़ायदे.

Image Credit: iStock [{ "selector": ".ojxfo-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 452px))", "opacity": "70%"}, {"offset": 1, "transform": "translateY(0)", "opacity": "70%"} ] }, { "selector": ".jgjao-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }, { "selector": ".naxxd-a", "duration": "1000ms", "fill": "forwards", "delay": "1000ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }]

निश्चित पेंशन (Assured Pension): जिन कर्मचारियों ने 25 वर्ष तक नौकरी की, उन्हें रिटायरमेंट से पहले के 12 माह की औसत बेसिक सैलरी का आधा निश्चित पेंशन हासिल होगी.

Image Credit: iStock [{ "selector": ".mmpmm-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 452px))", "opacity": "70%"}, {"offset": 1, "transform": "translateY(0)", "opacity": "70%"} ] }, { "selector": ".jfrjk-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }, { "selector": ".swenl-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }]

25 वर्ष से कम नौकरी करने वालों के लिए उनकी पेंशन कार्यकाल के अनुपात में तय की जाएगी, और योजना के लिए न्यूनतम सेवा अवधि 10 साल तय की गई है.

Image Credit: iStock [{ "selector": ".tibwf-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 452px))", "opacity": "70%"}, {"offset": 1, "transform": "translateY(0)", "opacity": "70%"} ] }, { "selector": ".ilisc-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }, { "selector": ".rlcdg-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }]

निश्चित फ़ैमिली पेंशन (Assured Family Pension): बदकिस्मती से अगर किसी कर्मचारी का निधन हो जाता है, तो कर्मचारी की पत्नी या पति को पारिवारिक पेंशन दी जाएगी.

Image Credit: iStock [{ "selector": ".rqjdw-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 452px))", "opacity": "70%"}, {"offset": 1, "transform": "translateY(0)", "opacity": "70%"} ] }, { "selector": ".rleak-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }, { "selector": ".lmalp-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }]

पारिवारिक पेंशन की राशि निश्चित रूप से उस पेंशन का 60 फ़ीसदी होगी, जो कर्मचारी को उसके निधन से पहले दी जा रही थी.

Image Credit: iStock [{ "selector": ".asins-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 452px))", "opacity": "70%"}, {"offset": 1, "transform": "translateY(0)", "opacity": "70%"} ] }, { "selector": ".uizec-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }, { "selector": ".rsgko-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }]

निश्चित न्यूनतम पेंशन (Assured Minimum Pension): उन कर्मचारियों को भी पेंशन दी जाएगी, जिन्होंने 10 साल नौकरी की है. उन्हें हर माह ₹10000 न्यूनतम पेंशन दी जाएगी.

Image Credit: iStock [{ "selector": ".bpbff-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 452px))", "opacity": "70%"}, {"offset": 1, "transform": "translateY(0)", "opacity": "70%"} ] }, { "selector": ".trowc-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }, { "selector": ".aftjp-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }]

मुद्रास्फीति इंडेक्सेशन (Inflation Indexation): निश्चित पेंशन व निश्चित फैमिली पेंशन को मुद्रास्फीति इंडेक्सेशन के तहत रखा गया है, ताकि पेंशन राशि का महंगाई के साथ तालमेल बना रहे.

Image Credit: iStock [{ "selector": ".qeuba-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 452px))", "opacity": "70%"}, {"offset": 1, "transform": "translateY(0)", "opacity": "70%"} ] }, { "selector": ".mmnot-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }, { "selector": ".ulgad-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }]

महंगाई राहत (Dearness Relief): UPS के अंतर्गत भी रिटायर हो चुके कर्मियों को अखिल भारतीय उपभोक्ता मूल्य सूचकांक (AICPI-IW) के आधार पर महंगाई राहत दी जाएगी.

Image Credit: iStock [{ "selector": ".oecqe-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 452px))", "opacity": "70%"}, {"offset": 1, "transform": "translateY(0)", "opacity": "70%"} ] }, { "selector": ".eeuix-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }, { "selector": ".qfjax-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }]

रिटायरमेंट पर एकमुश्त भुगतान (Lump Sum Payment on Superannuation): रिटायरमेंट पर ग्रेच्युटी के अतिरिक्त प्रत्येक कर्मी को एकमुश्त भुगतान भी हासिल होगा.

Image Credit: iStock [{ "selector": ".wsoml-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 452px))", "opacity": "70%"}, {"offset": 1, "transform": "translateY(0)", "opacity": "70%"} ] }, { "selector": ".gwjkd-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }, { "selector": ".fodqd-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }]

कर्मी को प्रत्येक 6 माह की सेवा अवधि के लिए उसकी अंतिम बेसिक सैलरी और महंगाई भत्ते के जोड़ का 10 फ़ीसदी भुगतान किया जाएगा.

Image Credit: iStock [{ "selector": ".blzob-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 452px))", "opacity": "70%"}, {"offset": 1, "transform": "translateY(0)", "opacity": "70%"} ] }, { "selector": ".pejqq-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }, { "selector": ".cgapf-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }]

25 साल काम करने वाले किसी शख्स को अंतिम बेसिक+DA के 10 फ़ीसदी की 50 किश्तें एकमुश्त दी जाएंगी, और इससे निश्चित पेंशन राशि कम नहीं की जाएगी.

Image Credit: iStock [{ "selector": ".wozkc-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 452px))", "opacity": "70%"}, {"offset": 1, "transform": "translateY(0)", "opacity": "70%"} ] }, { "selector": ".stjad-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }, { "selector": ".odmbe-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }]

पैसा, निवेश, कमाई से जुड़ी अन्य ख़बरों के लिए क्लिक करें

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