24 August 2024 ko, Prime Minister Narendra Modi ki agwai mein Union Cabinet ne Unified Pension Scheme (UPS) ko approval de diya. Yeh naya pension system, jo National Pension System (NPS) ko replace karega government employees ke liye, apne features ke through retirement ke dauran financial security ko kaafi enhance karega.
Table of Contents
Unified Pension Scheme Ke Main Features
1. Assured Pension:
Unified Pension Scheme yeh guarantee karta hai ki jo employees 25 years ka minimum service complete karenge, unko retirement ke pehle ke last 12 mahine ke average basic salary ka 50% pension milega. Jin employees ka service period 10 se 25 years ke beech hai, unka pension proportionately adjust kiya jayega, taaki kam service period wale bhi ek appropriate pension paa saken.
2. Family Pension:
Agar pensioner ki death ho jati hai, to is scheme ke through pensioner ki family ko 60% pension milega jo pensioner ko mil raha tha. Yeh feature unke surviving family members ke liye financial support ensure karta hai, jo primary breadwinner ke loss ke baad aate hue financial difficulties ko door karega.
3. Minimum Pension:
UPS ka ek significant aspect yeh hai ki is scheme mein ₹10,000 per month ka minimum guaranteed pension milega sabhi retirees ko, jo at least 10 saal ki service complete kar chuke hain. Yeh minimum pension ensure karta hai ki lowest-paid employees bhi decent financial security ke saath retire kar saken, jo pehle system mein ek major concern tha.
4. Inflation Indexation:
Inflation ke effects se protect karne ke liye, UPS mein pension ko inflation ke saath index karne ka provision shamil hai, jo family pensions aur minimum pension par bhi lagu hota hai. Yeh adjustment All India Consumer Price Index for Industrial Workers (AICPI-IW) ke base par kiya jayega, taaki retirees ka purchasing power barqarar rahe jab prices rise hoti hain.
5. Lump Sum Payment at Superannuation:
Scheme mein ek additional benefit ke roop mein lump sum payment ka provision bhi hai retirement ke time, jo regular pension aur gratuity benefits ke alawa hoga. Yeh lump sum payment employee ke monthly emoluments (pay + dearness allowance) ka ek-daswan hissa hoga har 6 mahine ke completed service ke liye. Aur yeh payment assured pension ke amount ko reduce nahi karega, retirees ko ek additional financial cushion provide karta hai jab wo retirement mein enter karte hain.
National Pension System Se Transition
Unified Pension Scheme ek significant shift hai National Pension System (NPS) se, jo 2004 se central government employees ke liye applicable tha. NPS mein employees apni salary ka ek portion apne pension fund mein contribute karte the, jo market mein invest kiya jata tha. Jabki NPS potential higher returns de sakta tha, usme market fluctuations ki wajah se lower-than-expected pensions ka risk bhi tha.
Iske contrast mein, UPS guaranteed benefits offer karta hai, jo government employees aur unions ke taraf se uthaye gaye concerns ko address karta hai about the uncertainties of NPS. UPS ka introduction ek zyada predictable aur stable retirement benefits provide karne ke liye dekha ja raha hai, jo un logon ke liye kaafi important hai jin logon ne apni careers public service mein dedicate ki hai.
Implementation Aur Impact
Unified Pension Scheme April 1, 2025 se implement hone wali hai, jisme government employees ko NPS se UPS mein transition karne ka option diya jayega. Yeh naya system approximately 23 lakh central government employees ko benefit karega jo abhi NPS ke under covered hain, aur unko retirement ke dauran zyada financial security provide karega.
Sarkar ke decision ko wide approval mil raha hai, especially among employee unions jo lambe time se ek guaranteed pension system ki demand kar rahe the. UPS na sirf retirees ki financial well-being ko enhance karega, balki current government employees mein morale ko bhi improve karega, jo ab apne retirement ke liye zyada secure future ki umeed kar sakte hain.
Aur details ke liye yaha par dekh sakte hain.