NATIONAL/ NEW PENSION SYSTEM (NPS) THATNA, THATLOHNA & TIHBO HLAWKNA

10th May, 2023

Thuhmahruai : National Pension System, New Pension Scheme tia hriat lar, a lam tawia NPS kan tih mai hi Central Sawrkarin a hnuaia hnathawkte 1.1.2004 hnu a 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 hmante 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 ṭheuh NPS chu a ṭhat ringin an hmang ve ta hlawm a, Mizoram pawhin 1.9.2010 aṭangin 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 aṭangin an hmang thung. Heng NPS hmang tawh state 5 (panga) te chuan NPS tibovin OPS an hmang leh tawh. Mizoram sawrkar hna thawk nghette 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 ṭhin. Heng PFMs te hian big corporate ho - Adani Group, Reliance Group, Tata Group etc. Stock shares leiin an invest chhawng ve leh ṭhin 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 aṭanga 10%, thla tin deduct ṭhin leh chumi zat chiah Sawrkarin a lo doletna belhkhawm a ni.

Central Sawrkar chuan a doletna hi 10% aṭangin14% ah 26..8.2021 khan a tisang tawh bik.

A - N.P.S. Thatna :

NPS hi a ṭhatna sawi tur a tlem hle mai. NPS pawisa luhkhawmna chu stock market anih 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 ṭhat phah nachen a awm a, chu chuan engemaw chenah India ram Economy a tihṭhat phah bakah a tinghelnghet bawk a tih theih. India Economy a nghelngheh chuan State ho pawn indirect-in a zar an zo ve zel tho. Sawrkarin NPS a hmanna chhan ber Pension Sum a insenso hautak lutuk tihbo a tumna erawh a hlawhtlin hun tur chu hman tan a nih aṭanga kum 70 vel hnu ah daih a ni ang. Chu chu OPS hnuaia pensioner leh family pensioner te an awm loh vek hun tur tihna a ni.
Hetiang a nih theih chhan chu Mizorama NPS hman tan tirh a nih laia OPS hnuaia lut hman ṭhahnem 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 apiang te, 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 velah a kaiin 2075-80 velah 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 ṭhatlohna lam chu sawi tur a tam thei ang. Mizoram sawrkarin NPS matching Contribution leh NPS kaihhnawih 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 ni a, chu bakah Dearness Relief (DR), DA rate ang zel leh fixed medical allowance Rs.1000/- an la tel bawk. NPS hi ṭha 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 mekte 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 zawngten 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 ṭhahnem 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 thawkten kum 4/5 kalta aṭang khan an lo kalpui mup mup tawh a. Mizorama NPS subscriber te pawn mumal zawkin November, 2022 aṭang 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 telte 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 aṭanga pension - R.Sivasankaran, kum 17 service, a basic pay Rs.56900/- chu a NPS pension hlawh Rs.4900/- a ni a, OPS hnuai pension nise a lak tur zat Rs.28450(basic) + 11949 (DA-42%) +1000(Medical) = Rs.41399/-. Mizoram sawrkar aṭanga pension, Pu Lalengliana, kum 12 service, a basic pay Rs.37000/- chu a thla 1 NPS pension hlawh Rs.2005/- a ni a, 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 aṭangin 11.8% leh 7.88 % chauh an ni a, 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 a ni ang 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 aṭanga 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 ṭhin hamṭhatna 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, engtham 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 ṭhat hun tur nghah thlen huphurhawm tak ni si, a subscriberte 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 ṭheuh 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 ṭangkai tak a tling dawn a ni.
2. NPS subsriber mi sing 1 dawn vel contribution leh sawrkar matching contribution tlingkhawm Pension Wealth hi Rs. 600/- Crores vel nia chhut a ni a, NPS tihbp 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.
3. NPS aṭanga OPS a seng luh mi sing 1 dawn ten GPF an subscribe thar thut dawn tihna a ni a, anniho aṭanga 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 ni a, a thlamuanthlak sawt dawn a ni.

TLIPNA & THURAWN :
A chung lama sawifiahna aṭanga a lan danin NPS hi chu ṭhat hun tur awm ngei chu a ni a, mahse a ṭhat 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 tihbova 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 ṭha lo tur ang zawnga thu ziak leh sawi ṭhin ho hian NPS puala senso hautak thu hi an sawi duh lo zel a, anmahniho 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 tak pawh hian hriat chian 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, reilo 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 thu a pension tam huk a awm dawn chuang lo va, 1/9/2010 hnu a 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 zeuh a pension hun ṭheuha 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 ṭhin hi a ni a, mahse heng hi an awm lo tial tial dawn, sawrkarin April 1, 2023 aṭang 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 herrem thei bawk. Family pension a lapse chak chuan Pension senso a zangkhai phah ve zel dawn si a ni.

- VL Thazova