New Pension Scheme

               Sorkar hnathawk ve lo te tan pawha Pension neih ve a tul zia HETAH hian ka ziak tawh a, engtin tin emaw NPS chungchang phuailuai takin ka rawn ziak ve leh e. A ziak tur niawm tak taka ka ngaih te'n an ziak tha duh mang si lova, a engmah lo ber hian ka'n ziak ve leh ngawt anih hi.              




          New Pension System (NPS) hi tunah chuan India ram chhunga sorkar hnathawk zawng zawngin Pension hmanrua atan an hmang chho ta a ni tih kan hre theuh awm e. A tir lamah chuan Sorkar hnathawk tan chauhva ruahman a ni a, 1^st January 2004 atang khan Central sorkar hnuaia hnalak thar ho chuan he NPS hi an hmang tan vek a ni; a that viau vang pawh a ni mahna, sorkar hnathawk kher lo pawhina pension an lo neih ve theih nan tiin 1^st May 2009 atang khan India mi tupawhin NPS a zawm ve phalsak a lo ni ta a ni. Hei mai bakah hian economically disadvantaged people tan bika siam NPS Lite pawh hman theihin duan chhuah a ni nghal bawk.

             National Pension System (NPS) is an initiative of Pension Fund Regulatory and Development Authority (PFRDA), the apex body established by Government of India to regulate and develop the pension sector in India. NPS has been extended to all citizens of India with effect from 1st May 2009. To extend the coverage of NPS to the weaker and economically disadvantaged sections of the society with their limited investment potential, PFRDA has launched NPS- Lite which specifically targets the marginal investors and promotes small savings during their productive life. It aims at building up a corpus sufficient enough to buy an annuity for their old age. (PFRDA)

NPS zawm ve tura mamawh hmasa:


         NPS hi kan zawm ve duh anih chuan heng documents - PAN Card leh KYC te hi kan neih a ngai. PAN Card chu neih a harsa lem lova, tin KYC pawh bank atangin neih mai theih a ni bawk. A bak chu address proof leh Identity proof document a ni tawh mai. Nationalised bank ah SB Account neih hmasak te pawh a ngai ang chu.



NPS subscribe ve dan tur


           Online hmangin registration a tih theih loh a, chuvang chuan POP atangin form i la chhuak ang. Anih loh pawhin www.npscra.nsdl.co.in  atangin form i download ang a, i fill up vek hnuah Point of Presence ah i submit ang. Anni chuan Acknowledgement Card an lo pe ang chia, tichuan i application form pawh CRA lamah an lo thawn sak ang che. PRAN Card i lo nghak veng veng mai dawn nia.

PRAN Card:

              NPS dilna application form submit hnu lawkah PRAN Card an lo thawn ang che a. Chu PRAN Card number chu i pension fund account number tur a ni ang a, chu number hmang chuan internet atangin i sum khawl zat te, a pun dan te i hmu thei vek ang. Awmna hmun i sawn thei a, i hna i sawn thei a, mahse PRAN Card erawh thlak a ngai lovang.

Enge POP chu?


           NPS zawm tur hian agent ang reng deuh Financial Institutions thahnem tham tak sorkarin a ruat a, chung te chu Point of Presence an ti a, anmahni kaltlang hian NPS hi a zawm theih reng a ni. Tunah hian registered POP 22 zet sorkarin a ruat mek a. Chung zingah chuan Mizoram atanga kan tih ve theihna tur te chu SBI, Axis Bank, Post Office leh ICICI Bank te hi an ni. Heng POP 4 te hi Aizawl main office ah a ni deuh zel bik.




NPS Online hmangin


             NPS hi online hmanga tih theih tho dan a awm a. A hmasain Fundsindia ah in register la, chuta tang chuan awlsam tein NPS a tih theih. Fundsindia hi POP an ni lo va, mahse an zawmpui pakhat IL&FS Securities Services Ltd. te chu POP  22 te zinga pakhat an ni a, Fundsindia hian anmahni hnuaia account holders te tan NPS an tih sak thei a ni. Fundsindia hi a nihna diktakah chuan Online hmanga awlsam taka mutual fund tihna hmun a ni a, an hnen atangin awlsam takin NPS account a hawn theih. (POP tam tak te hi dawr an har khawp mai; engmah hre lo an intih loh vek leh harsatna hrang hrang sawi an ching deuh tlatin ka hria).

NPS Account chi hnih:


           NPS ah mi pakhat tan hian account pahnih hawn theih tura siam a ni a, chungte chu Tier I account leh Tier II account an ti. 


           Tier I account hi compulsory a ni a, thlatina i pension fund tur pawisa i chhunluh tur chu he account ah hian a lut zel ang. He account chhunga pawisa i chhunluh tawhsa hi chu chuti mai maia khawih chet a thiang tawh lo. Pension hunah emaw, NPS hrim hrim kan tihtawp hunah emaw, thihna vang emaw chauh lo chuan khawih chet theih a ni lo.


         Tier II account hi chu mahni duhthlanna in hawna hawn loh theih a ni. Tier II account ami pawisa hi chu i duh dan danin i khawih che thei a, i duh zat zat i withdraw thei bawk.

Swavalamban Scheme:

            Kum khat chhunga pension scheme account-a Rs 12000 bak dahlut ve thei lo te tan liau liau sorkarin an account ah kumtin Rs 1000 a dahluh sak thei dawn a. Chu chu Swavalamban Yojana an ti. Hetianga sorkarin kumtina pension accounta Rs 1000 a dahluh sak ziah ang chi hi chu hna hniam te te thawktu te, mirethei tak tak te an nih ngei a ngai. India sorkar nge nge, miretheite leh hnuaihnungte duhsaka chawisanna tur ruahmanna a zep tel leh hram anih hi.

NPS-a inhnamhnawih thenkhatte:


PFRDA (Pension Fund Regulatory and Development Authority)
CRA (Central Record Keeping Agency)
Trustee Bank
POP (Point of Presence)
Pension Fund Managers
ASP (Annuity Service Providers)




Tu te nge Pension Fund Managers (PFM)?


Pension account-a pawisa lut te lo peipung turin managers 6 ruat an ni a, chung te chu:


1. ICICI Prudential Pension Funds Management Company Limited
2. IDFC Pension Fund Management Company Limited
3. Kotak Mahindra Pension Fund Limited
4. Reliance Capital Pension Fund Limited
5. SBI Pension Funds Private Limited
6. UTI Retirement Solutions Limited


      Peipung tam thei ber tur nia ngaih kha thlan mai tur a ni.

Trustee Bank:


             NPS subscriber in Pension Fund pawisa a chhunluh zawng zawng zawng zawng lo khawih chingchivet a, PFM in peipun atana a lakchhuah leh a dahluh te, subscriber hnena pek chhuah thlenga lo khawihtu tura ruat chu Trustee Bank tih a ni a; chumi lo khawih tur chuan Bank of India ruat a ni.

NPS hi a tha em?

            NPS hi investment leh savings pangai a ni lova, retirement hun atana pension scheme tha tak kan lo neih ve theihna tura hmanraw pakhat mai a ni zawk tih hi hriat a tul khawp mai. A hlawk em, a hlawk lovem, tih lam hi a pawimawh ber lo. Tha lo ta viau se, sorkar hian a duang chhuak hauh lo vang. Tin Private Company pakhat khawih mai a ni lova, India Sorkarin kalphung fel tak nena a duan chhuah a ni a, a him pawh him thawkhat viau turah ngaih a ni.

NPS a that tawk lohna


           Online hmangin thil a tih tak tak theih loh va, contribution pawh direct bank debit hmangin a tih theih loh. Pawisa contribute tur chuan POP kaltlang zel a ngai a, paper hmanga thil tih a ngai, chu chuan hun a duh rei deuh va, duh hun takah unit allocation a tih theih loh. Tin, pension fund a nihna ang ngeiin duh hun hunah pawisa a draw ngawt theih loh va, pension hun, kum 60 tlin hnuah chauh a withdraw theih. Hei hi mi tamtakin an duh loh phah. Mahse, mutual fund te, bank recurring deposit te ang a duh hun huna pawisa lak chhuah theih anih chuan, keini mahni huana theihai rah hmin hun nghak thleng zo lo thin ho hian pension hun nghah thlen kan peih loh mai a rinawm.  

NPS thatna:

             Nitina inhlawhfaa eizawng kan ni emaw, hlawh tlemte hlawha thla kipa hlawh nei ve kan ni emaw, sumdawng pawh kan ni thei, thlatina kan income atanga 10% hi chu nakina kan pension hun atan kan dahtha ngei ngei tur niin mithiamte chuan an sawi thin. Hna hniam leh hlawh tlem hnathawk kan nih chuan Swavalamban Scheme kaltlangin sorkarin kan account min tanpui ziah thei dawn a, hlu tak a ni. Kan ramah lehkhathiam, kum tam tak private sikula thawk tawh te an awm a, an hna atangin an chawl a, engmah chhuahpui tur an nei si lo. An khawngaihthlak asin aw. Tuna la thawk mekte hi chuan NPS hi zawm ngei ngei sela, a tir lamah chuan harsa an ti mahna, mahse a rei tulh tulh ang a, an inchhir lo tulh tulh ang maw le. Pawisa dahluh hi thlatinin a theih a, chutiang ni kher lo pawhin mahni remchan hun hunah, thla thum, thla li danah emaw, kum khatah vawi khat chauh pawhin a dahluh theih bawk. A nghet lova thawk MR emaw, contract emaw, private firm hnuaia thawk emaw pawhin a hlawmin thla thum danah emaw dahlut se, arrear emaw bonus emaw a dawng hlauh anih chuan chu pawh chu vawm lut tel bawk se, kum tam tak a liam hnuah chuan a rinaiin a pung chak viau ngei ang.

           Tichuan tlem tlemin a lo inkhawl tam tial tial ang a, a kum a lo upata a hna atanga a chawlh a lo hunah meuh chuan thlamuang takin a chawl hahdam thei tawh ang a, a pension fund accounta pawisa awm chuan sorkar hnathawk te neih ang zat chu phak lo hle pawh nise 'a maipar thlawn nawlh' satliah tawh lovang a, a pawisa tling khawm zawng zawng atanga 60% chu a hlawmin a la chhuak thei ang a, a bak 40% la awm chu sorkarin annuity lei nan a hman sak ang a, tichuan thlatin pension hlawh a lo nei ve thei tawh ang. A tha thawkhat chu a ni mai lawm ni?




Sorkar hnathawk pension nen kan inthlau dawn em asin


            Inthlau ang chu. Engah nge a inthlauh loh tehlul ang? Anni nen chuan inkhaikhin chi pawh a ni hleinem. Anni te chu sorkar vawk chawm thau an nia, kan inang lo alawm. An chaw ngen ri pawh a nain an bengchhen theih em hi. Anni te chu an vannei a, an thlatin hlawh atanga an cut sak ang zat vel sorkarin a khinglet/chhunluhpui a, chumai bakah DA arrier an nei a, hlawh siamthat apiangin arrear tam em em an nei bawk a, chung te chu an pension account ah a lut zel a, kum khat chhung ringawt pawhin a tam tham asin. Mahse, sorkar hnathawk kan nih loh avang maiin kan upat hnuah engmah nei lo leh hlawh chhete tal pawh nei lova hawi lawl lawl erawh kan tum tur a ni bik lo. Kan thihsan anih pawhin nupui fanaute ta tur tho ania......

GPF kan nei ve si lo va......


        Ni e, a dik chiah. Keini chuan sorkar hnathawkte angin GPF kan nei ve lo. Mahse GPF tluk thawthanga tha PPF (Public Provident Fund), duh hun huna zawm theih mai turin India sorkarin a duang chhuak alawm. A duh tan chuan Dakinah emaw SBI ah emaw a zawm theih e.

NPS Lite vrs NPS for public:

           NPS pangai ah chuan charge neuh neuh a awm ve nual a, chutihlaiin NPS Lite ah erawh chuan charge a tlem hle thung. Kumtin fee chawi leh transaction fee te hi a inthlau rem rem khawp mai. NPS Lite chu zawm thei chin (eligible) an awm a, NPS pangai erawh mi zawng zawngin kan zawm thei vek thung. Hlawh tlemte te neia thawk i nih chuan emaw, nitin inhlawhfa chawpa eizawng emaw i nih chuan NPS Lite zawm la, Swavalamban Scheme apply bawk ang che. Kumtinin sorkarin a tanpui dawn che nia.




Fee i sawi ri zauh a.....


            EPF kha 12% vela pung tura beisei anih laiin 8% atanga 9% velah a su tlauh tlauh thin, pung sang tak bank lamin an pe thei lo. 12% vel returns pe ngawt dawn se sorkar tan hlohna hlir a ni dawn bawk si. NPS hi EPF ang lo takin bank-a sum daha peipun ngawt a ni lo va, stock market hmanga sum peipun tur a ni thung; chuvangin a pung pawh tha deuh hlek zawk tura beisei a ni a, investment pangai ang deuh hlek a nih ve na laiah fee chawi tur tlem a awm. Mahse heta fee hi insurance company pension plan te nena khaikhin chuan tlem tak a ni.

NPS chu tu te'n nge enkawl?

           NPS hi Pension Fund Regulatory and Development Authority (PFRDA) ina a enkawl a ni a, i account zawng zawng pawh Central Record Keeping Agency (CRA) in a enkawl vek ang. Sorkar a ni a, insurance company thenkhat te ang a tlachhe thut thei a ni lo bawk a, him thawkhat hle tura ngaih a ni.

Kum 60 kan tlin hnuah engtin nge?


          Kum 60 kan tlin hnuah chuan kum kha leh chen pawisa kan lo chhun khawl tawh leh a pung zawng zawng nen, a zavai atanga chhuta 60% chu a pawisa faiin kan la chhuak thei ang a, a bak 40% chu thlatin pension kan neih ve nan, annuity lei nan hman tur a ni.

Kum 60 tlin hmain inhnukdawk duh ta ila.....

            Kum 60 i tlin hun hunah full pension nei thei tura ngaih i ni a, chumi hmaa NPS atanga inhnuhdawh i tum anih chuan a theih tho. Mahse, i pawisa vawmluh tawh zawng zawng atanga 20% chauh i la chhuak thei ang a, a bak chu a tam emaw, a tlem emaw, thlatin pension neih nan, Annuity lei nan an hman sak ang che.

A nih leh a hun hmain lo thi boral palh ta ila....

             I lo thi boral palh anih chuan i pawisa dah zawng zawng i chhung ten an la chhuak vek thei. Withdrawal form hi POP in an kawl ang.Chu chu la chhuakin i chhung te'n fill up ang a, chu form chu POP ah emaw POP branch (POP-SP) ah emaw submit tur a ni. POP lamin an check chian vek hnuah CRA ah an thawn ang a, engkim an tihfel hnuah i bank account ah an lo thun mai dawn niin NPS handbook ah chuan a inziak.

Annuity hi i ti teh fova, enge maw ni tehreng le?

               Annuity chu mi an lo upata hna an thawh theih tawh loh hnua an lo pension hian thawk miah lova thlatin pawisa an hmuh theih reng na tura investment scheme pakhat a ni. Annuity bik buaipuitu tur chu Annuity Service Providers (ASPs) an ni ang a, chu chu Insurance Regulatory and Development Authority (IRDA) in a kalpui ang. Annuity ah hian Option 5 a awm mek a, thlatina kan pension lak dan tur pawh he option kan thlan dan azir hian a danglam thei ang. Heng option zingah hian kan pension hlima kan pawisa tling khawm atanga 60%  kan lak chhuah bang, 40% kha kan chhung te'n, an duh phawt chuan, an lak chhuah vek theihna dan tur option pawh a tel.




Annuity khawihtu (Annuity Services Providers) ni tura Sorkarin a ruat  mekte chu:


1. SBI Life Insurance Co. Ltd.
2. Life Insurance Corporation of India
3. ICICI Prudential Life Insurance Co. Ltd.
4. Reliance Life Insurance Co. Ltd.
5. Bajaj Allianz Life Insurance Co. Ltd.
6. Star Union Dai-Ichi  Life Insurance Co. Ltd.




           Mi tam takin "Tunah chuan sorkarin pension scheme a ti tawp tawh," tiin an sawi fo thin a, hei hi chu an hriat chian tawk loh vang mai mai a ni. Tunhma kha chuan Employees Provident Fund kha sorkarin a kalpui thin a, mahse sorkar tan a hlawk loh em avang leh hlohna tur tam tak a awm thin avangin kha scheme kha a titawp ta a, a aiah hna lak thar apiang te chu NPS a zawmtir ta zel zawk mai a ni. Hnathawktuin a chhunluh zat chiah sorkarin a la chhunluhsak reng thin bawk.






Mutual Fund leh Equity a hlawk zawk daih lo maw????


            A dik. A hlawk zawk chiang. Mahse kuta pawisa awm chu hman a awlsam lutuk tlat. Mutual Fund SIP hmangin thlatin sum invest la, i retired thlenga i invest thei a nih ngat chuan a hlawk khawp ang. Mahse, hmangral miah lova insum tang tang chu a harsa lutuk ringawt. Chhungkua leh mahni'n mamawh hun kan lo nei a, awh zawng kan nei a, ban phak maia pawisa awm reng chung sia lei loh theih zel chu a harsa lutuk. Chuvangin retirement scheme atan chuan Pension plan (NPS) nge nge hi a that hmel tlat. 


          Pension hi investment ngawr ngawr nena khaikhin chuan a hlawk lo hle a, sorkarin pension scheme atana a hman hlui zawk EPF pawh a hlawk chuang lo, a pawisa faia vawmluh kha a tam tham hrim hrim a, a pung nen chuan a tam tham mai zawk a lo ni. 


            NPS ah hian 50 % vel thleng stock market ah invest turin duh thlan theih a ni a, chu pawh chu a equity rau rauvah pawh index fund lamah invest a ni, chuvangin a him tha thawkhat tura ngaih a ni. Him viau duh tan pheio chuan Government Security lama invest turin duh a thlan theih bawk.


Insurance Company's Pension Plan vrs NPS:


           Insurance company te hian anmahni pualin Pension Plan (ULIP Pension Plan) an siam ve thin a, a tha ve thin hle, chutihlaiin agent te hlep tur (Allocation charge) a sang thei lutuk a, chuvang chuan a hlawk tur angin a hlawk lo fo thin. Tunlai tak hian Insurance company hrang hrang te hian, NPS a lo lar tak viau hnu hian, an Pension Plan te kha an titawp ta hlawm emaw ni, annuity scheme chauh kalpui tawh an awm nual mai. NPS ah fee chawi tur a tlem zawk miau si a. ULIP Pension Plan ho kha chu charge a sang thei fia fia khawp mai a, allocation charge a san tluk zetin exit load pawh a sang.




Retirement scheme hi:


            Pension hi sorkar hnathawk tan chauh emaw kan ti thin hi a dik lo va, he ngaihdan hi kan hnawl hmak a hun tawh. Kuthnathawka ei zawng thin pawhin, a tuma a duh anih phawt chuan NPS kaltlangin Pension tha tak amah leh amah a insiam ve thei a. Sorkar office a MR a thawk te, private firm lama thawk te, sumdawnna lam khawih thin te, nitin eichawp dapa inhlawhfa thin te zawng zawng pawhin Pension tha tak an lo nei ve thei tawh ang.Fanghmir chuan thal laiin chaw a la khawm char char a, fur a lo thlen meuh chuan pawn chhuak miah lovin leh thawk miah lovin a bu laizawlah faisa ringin amah leh a chhungkua te nen an awm der der thin. Keini pawh hi, kan thawh theih hun chhung zawng rim takin kan thawk a, thawk chhuak thei tawh lo dinhmuna kan din hnuah pawh thawk miah lovin thlatin pension kan hmu ve thei tawh dawn a ni. Sorkar hnathawkin an thawh hlawh atanga 10% thlatin an chhun luh ziah theih chuan, keini pawh hian thlatina kan sum lakluh atangin 10% NPS account ah chhunglut ziah ila, nakinah kan lo upat hun, hna kan thawh theih tawh loh hunah thlatin pension kan lo nei ve thei mai dawn a lo ni.