INDIA RAM STATE TE OLD PENSION SCHEME CHUNGNUNGAH RBI-IN FIMKHUR TURIN A CHAH
Tun hnaiah India ram state ṭhenkhatin sorkar hnathawk pension dan hlui old pension scheme (OPS) ah an kir leh tur thu an puan avangin new pension scheme (NPS) hnawl a, old pension scheme a kir leh tura nawrna India ram puma sorkar hnathawk zingah boruak lian tak a awm leh ta a. Reserve Bank of India (RBI) chuan hemi chungchangah hian India ram state te chu old pension scheme a kir leh lo tur leh fimkhur turin a ngen. A chhan chu sum leh pai dinhmun chhia leh harsatna thuk zawka hnuk lut theitu a ni, a ti.
Tun hnai state Assembly inthlanah khan Congress party chuan Himachal Pradesh-ah old pension scheme a kir leh chu an campaign au hla lian ber a nih angin OPS kir leh turin thu an tutlu fel tawh. An ṭan hmun chu "mihringte chunga himna leh zahngaihna lantir," a ni, an ti.
Hetiang tho hian Congress party sorkarna state Rajasthan, Chhattisgarh-ah pawh old pension scheme a kir leh tura thu tihtluk a ni tawh a, AAP sorkarna Punjab-ah pawh OPS hnawlin new pension scheme (NPS) a kir leh tura thu tihtluk a ni.
NPS chu engtik aṭanga hman nge?
OPS ah kha chuan sorkar hnathawk pension hlawh pumpui chu sorkarin a pe tawp ṭhin. Kum 2003 khan BJP kaihhruai, National Democratic Alliance chuan mipui sum tam tham tak pension hlawh atana pek ṭhin thlakna turin new pension scheme a duang a, April 1, 2004 aṭanga hman a ni ta a ni. Hemi hnua sorkar hnathawk tharte chuan NPS hi an zawm tur a ni. New pension scheme-ah hian ram venhimna hna thawkte Army, Navy and Air Force te erawh a huam ve lo a, a bak sorkar hna thawk zawng zawng te chu NPS hian a huam ta vek a ni.
Engvangin nge RBI-in state-te OPS kir lo tura a duh?
Central Bank (RBI) chhut dan chuan old pension scheme (pension buhchang rum) a kir leh a nih hian sum leh pai harsatna lian tak a siam sak dawn a ni. State sorkar te chuan OPS anga pension hlawh pek tur an neisa lo a, sum harsatna tawk thei an ni.
New pension system (NPS) ah thung chuan sorkar hnathawkin a pension atana a thawh leh sorkarin a lo do letna sum te chu a pung ṭha zawk nei tura (market-linked) dah a ni thung a, sorkar sum sen ral a tlem zawk fe a ni.
Reserve Bank of India (RBI) State Finances: A study of Budget 2022 - 23 in sawi dan chuan, "State ṭhenkhat te old pension scheme a an kir leh hi sum leh pai dinhmun hlauhawma awm tura zuan luhna ang a ni. State dinhmun ṭha deuhin kum tina sum an lo khawl khawm leh an state sum hmuhna hnar te chu rei lo te chhung bak a daih lo ang. Tunah new pension hlawh buaina leh harsatna hi hma chhawn nghal lo mahse, thu delhkilh awma intiamkamna hian state sum hman ngei ngei tur a khawl khawm a, harsatnaah loh theih lohin a hma chhawn tho tho dawn a ni,” RBI report chuan a tar lang.
Indian Express tar lan dan chuan kum 30 chhung kum 1990-91 ah pension hlawha sum ngai zat chu Rs. 3,131 crore aṭangin kum 2020-21 ah chuan Rs 3,86,001 crore a tling tawh a ni.
Indian Express report-in a tarlan zel dan chuan, state ṭhenkhata sorkar hnathawhkte pension hlawh atan hman hian an state sum thawh chhuah chhuah a ei hek nasa hle. Himachal Pradesh-ah chuan an state sum thawh chhuah (state's own tax revenue) 80% chu pension hlawh atan hman a ngai a. Punjab 35%; Chhattisgarh 24%; Rajasthan 30%. Himachal Pradesh chief minister Sukhvinder Singh Sukhu chuan old pension scheme pe thei tur hian sorkar sum hmanna tam tak kan ti tlem ang a, sum hmanna hrang hrangah kan inrenin kan khirh hle a ṭul ang a ti.
RBI report-in a tar lan zel dan chuan tun 2022-23 chhung pawh hian state sorkar te pension te tan an pek tur interest te, a enkawlna senso pawh a sang leh sawt dawn bawk. RBI chuan OPS a kir leh tur hian eng state sorkar mahin sum an nei lo a ti.
RBI-in state zawng zawng budget aṭanga a tarlan dan chuan pension hlawh atan kum 2021 - 22 a sum an hman zat chu Rs 399,813 crore a ni a, 2022-23 chhungah chuan Rs 4,63,436 crore-ah a pung a, a punna hi 16% a ni.
SBI Research report-in a tar lan dan chuan kum 12 kal ta chhung FY22 thlenga pension hlawh atan sum hman zat hi 34% in a pung tih a sawi.
INDIA RAM STATE TE OLD PENSION SCHEME CHUNGNUNGAH RBI-IN FIMKHUR TURIN A CHAHOPS leh NPS
Old pension scheme (OPS) ang chuan sorkar hnathawk pension hlawh chu an hlawh lak hnuhnung ber zatve 50% a ni a, sorkar sum aṭanga pek a ni. Hetiang hi new pension scheme (NPS) kalphung chu a ni lo, hna thawktuin a thla tin hlawh aṭanga a chhun luh (contributory pension scheme) a ni a, a hlawh aṭanga 10% (basic + dearness allowance) a chhung lut a. A ruaitu sorkarin hemi khing tur (matching share) 14% hian ami rawih tan NPS accounts ah a dah luhsak thung ang.
Old pension scheme ah kha chuan hnathawktu pension hlawh lak tur chhutna atan pawimawh chu a hlawh lak hnuhnung ber leh a thawh zat kum a ni a. New pension scheme ah thung chuan market link savings aṭanga chhut a ni a, hnathawktuin sum peipun duh dan a pawimawh bawk.
New pension scheme hnuaiah hian hnathawktu chu a pension contribution chu kawng thuma peipun phalsak dan a nei a :
a) saver conservative–10% at equity investment.
b) balanced or moderate–30% at equity shares
c) aggressive–50% at equity.
Hetianga dah bak hi corporate bonds, government securities ah peipun a ni.
Entirna dang leh chu; sorkar hnathawk a pension dawn a, a hlawh (basic monthly salary) Rs. 10,000 ni ta se, pension hlawh Rs 5,000 a hmu thei ang. Sorkarin kum khata vawi hnih dearness allowance a tihpun (Jan 1, July 1) rualin dearness relief a hmu ve thei ang a, Rs. 5,200 a pension hlawh a ni ang.
New pension scheme erawh chu a chunglama sawi lan tawh sum peipunna (types of investment) duhthlannaah a innghat thung a ni.
Old pension scheme awinun thar tu nge duh?
The Hindu chanchinbu sawi dan chuan nikum November 2022 khan Federation of Union Government Employee's Union chuan Cabinet Secretary hnenah old pension scheme an duh zawk thu leh tinung thar leh turin dilna an thlen a, an sawi dan chuan sorkar hnathawk pension tan new pension scheme hi "chhiatna rapthlak tak a ni," an ti.
An sawi zel dan chuan hnathawktuin a thawh chhung zawng 10% a thawh bakah sorkarin a tumsak 14% nen pawh old pension scheme-a an hmuh theih zat a phak lo a, hei bakah dearest relief ang chi a awm thei tawh lo an ti.
Entirna pakhat an sawi chu : Defence Minister hnuaia kum 13 thawk NPS anga pension chuan OPS anga pension hlawh a lak theih zat 15% chauh a la phak a ni. "NPS ah chuan mi pakhat a basic pay Rs 30,500 chuan monthly pension Rs 2,417 a dawng a, OPS ang ni se, Rs 15,250 a dawng thung ang".
Heng state : Rajasthan, Chhattisgarh, Jharkhand, Punjab, Himachal Pradesh te hi OPS-a kir leh tum te an ni.
Business Line chanchinbu chuan Old pension scheme tharthawh leh chungchang hi tlang tak leh rum takin a khak a, mipui nawlpui tana ṭha zawk tura ruahmanna thar awm tawh hnawl zawng leh hnawl tawh hnu tharthawh leh tum hi a pawi a, a zahthlak hle a, vote hmuhna tura hman ngat phei chu India leh state sorkarte sum dinhmun pachhiatzia te, leiba tam takin a delh mek dante an ngaihtuah duh lo hial a ni ngei ang. Chuvangin hetiang inelna leh intiamna thianghlim lo laka inthiarfihlim (to refrain from such populism) ngei turin political party te chu beisei an nih mai bakah, NPS hi ram dinhmun zawh tawk leh mipui hmasawnnna atana ṭha zawk a ni tih thu tlangaupui tur zawk an nih thu a sawi.
HEI VE THUNG HI
1. State ṭhenkhat old pension scheme-a an kir leh ang hian Mizoram hi OPS-a kir ve thei tur khawpin state sum leh pai leh sum lakluhna (state's own tax resources) ṭha nei a ni em?
2. Kum 2023 kum tawp lama MLA inthlan lo awm turah hian political party zingah old pension scheme-a kir leh tiam an awm ang em?
3. Old pension scheme-ah Mizoram hi kir leh ta se, Mizoram budget chhungah mipui chanvo a tlem sawt ang em?
Source : THE WIRE; Jan. 17, 2023
Business Line; Nov. 21, 2022
The Hindu; Jan. 17, 2023 & Oct. 18, 2022
Indian Express; Nov 17, 2022 & Jan. 23, 2023
- Huna Kawlvawm