NATIONAL/NEW PENSION SYSTEM (NPS) – THATNA, |HATLOHNA & TIHBO HLAWKNA

By VL Thazova
Thuhmahruai : National Pension System, New Pension Scheme ti a hriat lar, a lamtawia NPS kan tih mai hi Central Sawrkarin a hnuaia hnathawkte 1.1.2004. hnua lut tharte tana a introduced a ni. A kalphung hi sawrkar enkawl ni lo private farm leh company-te tana duan Employees Provident Fund(EPF) entawna duan a ni deuh ber. Old Pension Scheme(OPS) kan tih mai, CCS Pension Rules, 1972 hi 1.1.2004 hma a sawrkar hna a ngheta lo zawm hman te chuan an hmang tlang tho dawn thung. Central sawrkarin State sawrkarte chu NPS hmang ve turin tihluihna tel loin thurawn a pe a, an duh hunah theuh NPS chu a that ringin an hmang ve ta hlawm a, Mizoram pawhin 1.9.2010. atangin a hmang ve ta a ni. NPS hmang hnuhnung ber chu Tripura niin 1.7.2018. khan an hmang ve chauh a, West Bengal chuan tun thlengin an la hmang ve duh lo. Tamil Nadu hian NPS leh OPS kalphung la kawpin DCPS – Defined Contributory Pension Scheme chu 1.4.2003. atangin an hmang thung. Heng NPS hmang tawh state 5(panga) te chuan NPS tibovin OPS an hmang leh tawh. Mizoram sawrkar hna thawk nghet te zinga 27 % vel (mi 10000 dawn vel) hi NPS hnuai an ni a, a bak 73% vel chu OPS hnuai vek an la ni.
NPS chunga thuneitu ber chu Pension Fund Regulatory and Development Authority (PFRDA) a ni a, PFRDA hian NPS enkawl turin Central Record Keeping Agency (CRA) pahnih a thlang a, chungte chu NSDL Protean leh KARVY an ni. Mizoram Sarwkar chuan NSDL Protean, Mumbai hi a hmang mek. CRA hian NPS sum a enkawl dan tlangpui chu PFRDA in Pension Fund Managers (PFMs) a ruatte – SBI,UTI, LICI etc.ah a invest thin. Heng PFMs te hian big corporate ho – Adani Group, Reliance Group,Tata Group etc. Stock shares leiin an invest chhawng ve leh thin a ni. Tichuan a tawpa NPS sum luhkhawmna chu Stock Markets a ni. NPS Contribution an tih chu sawrkar hnathawk basic pay leh Dearness allowance belhkhawm atanga 10%, thla tin deduct thin leh chumi zat chiah Sawrkarin a lo doletna belhkhawm a ni. Central Sawrkar chuan a doletna hi 10% atangin14% ah 26..8.2021 khan a tisang tawh bik.
A – N.P.S. |hatna:
NPS hi a thatna sawi tur a tlem hle mai. NPS pawisa luhkhawmna chu stock market a nih miau avangin tun dinhmuna a hlawkna teltu chu Big Corporates ho an ni. Chutih rualin regular taka NPS pawisa tam tham tak thla tina Stock market-ah a luh ruih ruih avangin Stock market dinhmun a that phahna chen a awm a, chu chuan engemawchenah India ram Economy a tih that phah bakah a tingelnghet bawk a tih theih. India Economy a ngelngheh chuan State ho pawn indirect-in a zar an zo ve zel tho. Sawrkarin NPS a hmanna chhan ber Pension Suma insenso hautak lutuk tihbo a tumna erawh a hlawhtlin hun tur chu hman tan a nih atanga kum 70 vel hnuah daih a ni ang. Chu chu OPS hnuaia pensioner leh family pensioner te an awmloh vek hun tur tihna a ni. Hetiang a nih theih chhan chu Mizorama NPS hman tan tirh a nih laia OPS hnuaia lut hman thahnem takte kum 30 vel an la service dawn vang a nia. Mizoram bikah chuan OPS hmangtute hi 2045/46 velah an pension zo ang, mahse pension hlawh leh family pension hlawh mi sing 4 vel tana sawrkarin a pek chhunzawm tur hian kum 2075-2080 thleng vel a la awh hmel tlat. Hemi hun nghak thleng tura sawrkarin a man a pek tur matching Contribution a sang hle dawn tihna a ni. Matching Contribution hi a pung chak hle a, Sawrkar hna a lut thar awm apiangte, basic pay leh DA a pun apiangte hian pung ve nghal zel. Tun dinhmuna thla khat matching contribution Rs.450 lakhs vel hi kum 2045/46 ah chuan Rs.4500 lakhs vel ah a kaiin 2075-80 vel ah phei chuan Rs.9000 lakhs vel a ni dawrh ang. Hlawh pun chak dan azirin hemi chhut chhin aia tam daih hian a pung chho thei bawk. He transition period rei tham tak, Pension Scheme chi hnih – OPS leh NPS tana sum sen kawp reng ngai hi Mizoram sawrkarin a paltlang theih chuan Pension hlawh atan sum sen a ngai tawh dawn lo a ni.
B – NPS Thatlohna :
NPS thatlohna lam chu sawi tur a tam thei ang. Mizoram sawrkarin NPS matching Contribution leh NPS kaihnawih thil danga pawisa a seng char char a, mahse NPS pawisa NSDL a lut tawh reng reng chu awnga thlak ang vang vang a ni mai a, sawrkarin thuneihna engmah a nei zui lo. Chutih laiin OPS hnuaia GPF Account ah chuan a sawrkarin thu a nei thuk hle.Mizoram sawrkar hnuaia rei tak la thawk tlang tur ni si, pension benefits & Security inthlau lutuk a OPS leh NPS hmangtute an awm a NPS hmangtute chan a chhe bik lutuk hi a fel lo thlawt a ni. NPS hi market-link pension plan a nih vang hian a subscriber ten an pension hlawh zat tur an hre lawk thei lo. OPS hnuaia pension te chuan an pension laia an basic pay chanve zel an pension basic pay tur a nia,chu bakah Dearness Relief(DR), DA rate ang zel leh fixed medical allowance Rs.1000/- an la tel bawk. NPS hi tha viau ni se chuan a la hmang ve lo State awm chhun, West Bengal sawrkar hnathawkte khuan NPS hman ve an dil nasa tawh ngawt ang. Chu bakah State dang zawng NPS hmang tawhte sawrkar hnuaia OPS la hmang mek te leh Public Sector Undertakings(PSUs) a thawkte pawh hian NPS hman ve an dil sup sup bawk ang. Chutih ahnekin India ram pumah Central hnuaia thawk,State hnuaia thawk, PSUs a thawk, NPS hmang zawng zawng ten NPS nuaibo a OPS a let leh an dil sup sup mek zawk. OPS Restoration Demand movement tluka India ram pum huap Movement lian hi Indian Independent Movement tih loh kha chu a la awm lo chiang mai. NPS lo chhiatzia hi a taka tawngtu leh tuartu pension thahnem tak an lo awm hnu ah a fiah ta a.Tichuan OPS Restoration movement hi Central sawrkar hnuai, State sawrkar hnuai leh Public Sector Undertakings (PSUs) hnuaia thawk ten kum 4/5 kalta atang khan an lo kalpui mup mup tawh a, Mizorama NPS subscriber te pawn mumal zawkin November,2022 atang khan pawl thar – Mizoram Movement for OLD Pension Scheme(MIMOPS) dinin hma chak takin a la ve mek a ni. India rama state 5(panga) – Rajasthan, Chhatisgarh, Jharkhand, Punjab leh Himachal Pradesh te chuan OPS an dil hlawhtling tawh nghe nghe. NPS pensioner India ram puma nuai tel te thla khat pension hlawh chu Rs.5000 tling lo hlir a ni hian NPS chhiat zia a tifiah viau awm e.A fiah lehzual nan pensioner hming hmerhin lo tarlang ila. Central Sawrkar atanga pension – R.Sivasankaran, kum 17 service, a basic pay Rs.56900/- chu a NPS pension hlawh Rs.4900/- a nia, OPS hnuai pension nise a lak tur zat Rs.28450(basic) + 11949(DA-42%) +1000(Medical) = Rs.41399/-; Mizoram sawrkar atanga pension, Pu Lalengliana, kum 12 service, a basic pay Rs.37000/- chu a thla 1 NPS pension hlawh Rs.2005/- a nia, OPS hnuai chhuak ni ta se, Rs.18500 (basic pay) + Rs.5920(DA-32%) + 1000 (medical = Rs.25420/- a ni thung. A inthlauhna khi a percent a chhut chuan OPS a lak theih zat atangin 11.8% leh 7.88 % chauh an nia, chhe tak a ni. Chu mai a la ni lo, NPS pension hlawh chu a ngaiah a ding reng a, OPS pension hlawh chu DA pun leh pay revise nikhuaah a pung ve zel lehnghal. An service rei loh vang aniang tih ngaihtuahna a awm takin NPS-ah kum 33 service hnu a pension pawh ni se a pension hlawh chu a sang deuh ngei ang a, mahse OPS a pension hlawh tur ang atanga 17% a pelh a rinawm chuang lo. Pension hlawh ringawta OPS aia NPS chhiat zawkzia bakah OPS hnuai pension ten sum hlawm an chhuah pui thin hamthatna Retirement Gratuity leh Commutation hi Mizoram NPS hnuai a miten an nei ve lo zui. Mizoram sawrkar hnuaia rei tak Muster roll leh contract a lo thawk, an kum over dawn hnaia regularised ve hram ho, eng tham mah chhuahpui tur nei lo leh pension hlawh tihtham nei lo a an chhuak mek zel pawh hi an lainatawm takzet a ni.
C – NPS Tihbo (abolish) hlawkna:
A chung lama sawi tawh anga NPS that hun tur nghah thlen huphurhawm tak ni si, a subscriber-te tana chhe em em bawk si hi tihbo (abolish) mai hi NPS subscriber-te leh sawrkar tan a hlawk ve ve thei tlat. Subscriber-te tana a hlawk hun chu an pension hunah theuh a ni mai a, sawrkar chuan chawpchilh leh a tahtawla hlawkna tur a nei nual zawk, hetiangin :-
1. NPS tihbo a nih chuan NPS matching Contribution thla tina Rs.450 lakh a sen mek hi a tawp nghal ang a, sawrkar sum indaihlohna phuhrukna chi khat a tling ve ang. Financial Year tharah NPS puala tuna Rs.64 crores dah mek ang hi dah zawm a ngai tawh lo ang. NPS hi hman zel ni ta se kum 15 chhung chauh pawha sawrkarin NPS puala a senso tur chu Rs.1000 Crores a tling ang a, sum a save tam hman hle dawn a nih chu. Heng a sum save hi 15th Finance Commission Recommendation chhe lutuk avanga kum 2024-2026 chhunga Deficit Grant rawn tlahniam duai duai tur lo hnawh khahna tangkai tak a tling dawn a ni.
1. NPS subsriber mi sing khat dawn vel contribution leh sawrkar matching contribution tlingkhawm Pension Wealth hi Rs.600/- Crores vel nia chhut a ni a, NPS tihbo a nih chuan PFRDA in a rawn release veleh a chanve Rs.300/- crores vel chu sawrkarin a nei let leh hmak ang a, a chanve dang chu NPS Subscriber te chan tur a ni thung.
1. NPS atanga OPS a seng luh mi sing 1 dawn ten GPF an subscribe thar thut dawn tihna a ni a, anni ho atanga GPF account a thla khata lut tur ringawt hi Rs.160 Crores zet chu a tling ngei dawn a, GPF account balance a pung chho zawt zawt mai dawn a ni. Hei bakah a chunga NPS wealth tlingkhawm chanve khi PFRDA in an rawn release hunah sawrkarin mahni GPF account a dah vek tur a tih chuan, GPF account a pun phah leh lawih bawk ang. GPF account balance a tam hian sawrkar sum thlaveng a tam tihna a nia, a thlamuanthlak sawt dawn a ni.
TLIPNA & THURAWN :
A chung lama sawifiahna atanga a lan danin NPS hi chu that hun tur awm ngei chu a ni a, mahse a that hun hla lutuk, nghahthlenna man sawrkarin a pek tur hautak lutuk si leh NPS subscriber-te tan a chhe ngawih ngawih hi Sawrkar tan NPS tihbo mai hi a finthlak awm mang e. Mizoram Sawrkar hnathawk inzawmkhawm pawl, FMGE&W General Conference vawi-32 pawhin ‘NPS hi tibovin Mizoram sawrkar hnathawk zawng zawng tan Old Pension Scheme hman ni rawh se’ tih a pass rup mai. Tin, political party pahnih chuan an sawrkar chuan NPS tih bova OPS Mizoram sawrkar hmathawk zawng zawng tana hman an tum thu an aupui bawk. India ram khawi state sawrkar mah hian NPS that hun thleng pha turin NPS matching Contribution chawi reng hi an tlin a rinawm loh khawp mai. NPS tihtawpa OPS a let leh a thalo tur ang zawng a thu ziak leh sawi thin ho hian NPS puala senso hautak thu hi an sawi duh lo zel a, anmahni ho lah chu OPS hnuaia thawk mek emaw OPS pensioner an ni zel bawk. Anmahni chana an duh loh NPS kha inti ram hmangaih takin midang tan sawimawi phet an tum a ni ber. Tin, mipui tam takte pawh hian hriatchian lohna avangin NPS tihtawpa OPS a let leh hi sawrkar hnathawkte puala sum sen belh teuhna turah an ngai a, hei hi a nih lohzia para.-C(1) ah sawifiah a ni.
Mizoram Sawrkar tan hian hei leh chen OPS a lokal tawh hi Sawrkar hnathawk zawng zawng tana OPS kalpui leh hi thil huphurhawm a ni lo ang. Mizoram Sawrkar hnuaia thawk mek 73% vel, OPS hnuaia awm sa mek OPS pensioner leh family pensioner te puala OPS benefits senso tur a hi chu thuhran ni se. Tuna NPS a awm mekte OPS hnuaia seng luh an nih avangin sawrkar tan kum 20 vel chu sum sen belh tur a tam thei lo, a chhan chu pension tur an tam dawn lo tlat a. A pension awm chhun ho pawh MR leh contract regularised, rei lo te chauh regular service nei, an nih dawn avangin an chhuahpui leh pension hlawh a tam thei lo hrim hrim a ni. Kum 20 hnu zel chhut pawh ni ila, kum khat thil thua pension tam huk a awm dawn chuang lo va, 1/9/2010 hnua direct a lut ho phei chu 2043 velah an pen sion tan chauh dawn a. NPS hman luih reng a regular taka NPS puala sum tam tham tak hman char char ai chuan, a zeuh zeuha pension hun theuha pension benefit chawi chu financial year ang zela chhut pawhin a hahdam zawk hle dawn tih a chiang. Thufing pakhat ‘Delay payment is saving’ tih a awm ve bawk kha. Tin, OPS tihautaktu pakhat chu GPF ngah deuh an awm thin hi a nia, mahse heng hi an awm lo tial tial dawn, sawrkarin April 1,2023 atang chuan kum khatah mi pakhatin nuai 5 aia tam GPF dah a phal tawh dawn lo. Hei hian OPS hman zel theihna (affordability) sawrkar a pek belh. Tin, sawrkar hian a duh chuan Pension a sum senso tihziaawm nan family pension a tawp (lapse) chak nan Mizoram milin pension rules a her rem thei bawk. Family pension a lapse chak chuan Pension senso a zangkhai phah ve zel dawn si a.