Your command over English, the break down of NPS and to put down all points in simple layman's term is commendable, plus, not to forget the hard work on research and presentation is impeccable, ❤

@shankarnath

10 ай бұрын

Thanks for that! The use of audio and visual allows me to access different senses in the viewer's body (ear, eyes, brain) .. glad to know it all comes together in these videos to help you learn and retain information

There is no INSIGHTFUL AND better video on NPS THAN THIS... AMAZING Shankar continues to be the best and better than the rest. ALWAYS

@shankarnath

Жыл бұрын

Thank you Rohan ji. Glad you found this video useful and informative.

@avinabasahoo1989

Жыл бұрын

Completely agree with you. No other source is so simple, comprehensive and easy end-to-end process insights

@dheerajkura5914

4 ай бұрын

I agree with compliments 👍

I was looking at videos about nps just this morning, today is my lucky day

@shankarnath

Жыл бұрын

Damn, if the markets were open today .. you could have made a killing :) .. ah well, enjoy the video!

@drkeval

Жыл бұрын

That's called AI

This video has given me better information than my own company finance team. Thanks a lot!!

@shankarnath

8 күн бұрын

Glad to hear that. Most welcome 🙌

Really nice video, I searched for multiple videos for NPS. Here is what stood out for me in this video - The video is running at such a steady pace that we can get involved yet not feel that the video is running. Reminds me of my days in graduation, there is always that one teacher who explains in a calm manner, thank you!

@shankarnath

11 ай бұрын

Glad you liked the content and video, Yuvraj ji. Much appreciated 🙌

Searching details about NPS, Your video gives more clarity on NPS, Thank you.

@shankarnath

20 күн бұрын

Most welcome. Glad it was helpful! 🙌

Dear Sir, thank you for creating such insightful content. One correction - as of this year, we're allowed to select different managers for different schemes. I myself have selected LIC for "G", while HDFC for all others.

@shankarnath

Жыл бұрын

Most welcome, glad you liked it. Yes, I got to know this now .. and I'll update all viewers later tonight on this (and other changes I missed out on) via a pinned comment. Thanks for letting me know.

@debajanisarma1673

Жыл бұрын

​@@shankarnathSir what is the minimum rate of interest we can expect in NPS? I have PPF . So can I open a NPS ACCOUNT for my 3 year old child.I am 44.

@shankarnath

Жыл бұрын

Hi - both questions were addressed in the video. Kindly have a watch pls. To recap: 1. NPS does not offer an interest rate but returns are market linked 2. NPS is for Indian citizens aged 18 years and above

@meghanaabhyankar9151

Жыл бұрын

​@@shankarnathAllowed only by NSDL, not the other CRA's.

@debajanisarma1673

Жыл бұрын

@@shankarnath thank you so much for the instant response.

Hi Shankar, great and informative videos as always. Just a point on the scheme managers. I believe now it is allowed to choose 3 different managers for Asset Class E, C and G. However, Asset Class A has to be a manager from one of the 3 chosen for other asset classes.

@shankarnath

Жыл бұрын

Thank you. Yes, I was made aware of this now and a couple of viewers even shared screenshots. I had the feeling this was possible but couldn't find any literature to this effect - but now, its clarified.

Pension part should be tax free and managed by PFRDA or Central Government …… because no one can predict what will happen if private annuity manager company defaults or could not manage regular Pension Payouts.

The amount of research that must have gone into making this video! So informative. This should be behind a paywall. Can’t believe this is free.

@Mysangeeet

Жыл бұрын

:| not heard about adsense?

@shankarnath

Жыл бұрын

Hi, for my understanding on perspectives: @dpacsaml - how much should one charge for a video like this? @Mysangeeet - how much do you think Adsense pays the creator for a video like this (assuming every viewer saw 2 ads)?

@dpacsaml

Жыл бұрын

@@shankarnath I’m not able to comment on how much to charge Sir, but pls do check out Anand Srinivasan. He gives investment advice on the stock market (in tamil) and has written books, does tours where people can come meet him and ask qns, gives out interviews etc. He also used to meet people 1-1 for a fee (but I think he’s stopped doing this now as he’s become too popular). Ultimately people will pay for quality content.

Minimum contribution in TIER 1 NPS account per year is INR 1000 Sir.. Your presentation was excellent and timely since i had joined ICICI PRU PFM as their Pension Advisor only recently and needed clear information to take the concept forward and to my Clients. I am a Mutual Funds Distributor Sir.. Thank You.🌷🌹

@shankarnath

11 ай бұрын

Thank you very much for clarifying on the minimum contribution, there were multiple numbers floating around. Wishing you the best!

@geetsgovind8925

6 ай бұрын

What will happen if i haven't made any contribution for several years in NPS, how can I make it active again ?

Complete and fantastic video of about NPS so far among watched by me 😅

@shankarnath

Жыл бұрын

Thank you. Glad you liked it

This is the best of the best presentation on NPS. Your value addition is wonderful.🎉🎉❤❤😀😀

@shankarnath

Жыл бұрын

Thank you very much!

Absolutely detailed view of NPS...Appreciate the research and thoughts put forward

@shankarnath

7 ай бұрын

Most welcome

Wow Shankar ji, such a detailed video. I can only imagine the amount of efforts you have put into it. Hats off to you sir.

@shankarnath

Жыл бұрын

Thank you very much for your kind appreciation. Most videos take about 5 days of effort (2 days in research and scripting, 0.5 days in recording, 2 days in editing & 0.5 days in other activities like uploading, answering comments etc.)

Excellent Video, Mr. Shankar. Simple, straight forward and comprehensive. Thanks.

@shankarnath

8 ай бұрын

Thank you very much 🙌

One of the most lucid presenters out there - Thank you. 🙏

@shankarnath

9 ай бұрын

Appreciate that 🙌

Thank you so much. Really helpful and appreciate your efforts to put such clear content on NPS.

@shankarnath

2 ай бұрын

So nice of you. Thank you!

Very clearly explained sir. I would share your video with youngesters. Keep it up.🎉

@shankarnath

Жыл бұрын

Thank you very much! 🙌

Very detailed video and regarding annuities, i had questions from last 3 years from now and they got cleared.

@shankarnath

Жыл бұрын

Glad to hear that!

Shankar - You are Rohit Sharma + Virat Kohli combined. Superb explanations. Your one video gives not only the overall picture but also with great details. Thanks for doing detailed research in preparation for this video.

@shankarnath

Ай бұрын

Thank you very much 🙌 .. albeit I have no plans to retire!

@kinshuksrivastava6128

Ай бұрын

@@shankarnath sir your sense of humour is also great. And your videos are very informative, you gained a subscriber today.

@shankarnath

Ай бұрын

@@kinshuksrivastava6128 Welcome aboard!

Best explanation ever First time I understood clearly. Thanks

@shankarnath

9 ай бұрын

Most welcome. Great to hear! I'm happy you found it useful

Actually good u did on NPS , lots of negatives circulating about it

@shankarnath

Жыл бұрын

Glad you found it useful!

You have done extremely good job by providing various opportunities in NPS which surely would provide idea to individual to select and design life

@shankarnath

Жыл бұрын

Thank you for the kind words, Sandip ji

Content is super informative and worthy watching each second that there is no need from your side to request not to skip video !! Many Congrats on creating such a Video with sincere effort !! Way to go

@shankarnath

Жыл бұрын

Glad you liked it! Thanks for your kind appreciation

What a perfect video! Thanks a ton for making such a comprehensive video on the topic. 🙏👏

@shankarnath

10 ай бұрын

Most welcome. Glad you found it informative

Very detailed.. finally i got some grip on this topic

@shankarnath

8 ай бұрын

Glad you found it useful 🙌

Nicely researched designed useful content 🙏.Thank you very much

@shankarnath

Жыл бұрын

You are most welcome. Glad you liked it

Excellent info Shankar, Thanks! I am your subscriber

@shankarnath

Жыл бұрын

So nice of you and thanks!

one correction i think: Minimum is 1000 per year (not 6000)

Great video..I have a query - I have choosen Tata from the tier list .little afraid becoz i didn't see any return% from the tata fund manager in this video.how do you see it ? Any suggestion pls share

Govt must make NPS more attractive. In its present form, its just not good enough. I have seen college Professors, school principals & state govt employees getting pension equal to minimum wage post retirement. People would keep demanding return to old pension system if this continues.

@ashwin9823

Жыл бұрын

Obviously old pension scheme remains a better option over nps

@islandsunset

7 ай бұрын

I am amazed that people who joined service post NPS retired already. There is an option where you can opt for a sum when you retire and the rest is given in monthly installments. It is very possible that they took a bulk out when they retired or their contribution when they were in service was minimum. Assuming the NPS is inherently bad is wrong. There are factors that are out of the control of the government. Old pension system is good for the employees but very bad for the government. With NPS they tried to cut their expenditure on pensions but many governments rolling back to OPS is wrong too.

Thank you Sir, what a thorough and insightful video on NPS.

@shankarnath

Жыл бұрын

Most welcome. Glad you found it useful and informative

Concise and best NPS explanation from you

@shankarnath

5 ай бұрын

Thank you!

Excellent presentation. Really appreciate your efforts. Thankyou

@shankarnath

10 ай бұрын

You are most welcome 🙌

Thanks for nice explanation , kindly note that minimum contribution is Rs 1000.00 in Tier 1 to avoid the freezing of the account , earlier this was Rs. 6000.00 .

@shankarnath

Жыл бұрын

Most welcome. Can you share the article on this change from 6k to 1k? I'm unable to find one. Thanks!

@debajanisarma1673

Жыл бұрын

​@@shankarnathshared your video. Can you please suggest the best investment for a 3 year old child. I am 44 and need to invest wisely for my child.

@sudharsanmohandoss146

Жыл бұрын

@@shankarnath what will be the maximum contribution in Tier-1 per annum?

@cutandpastejokes4508

Жыл бұрын

No upper limit

Thanks Shankar. Really insightful and crisp.

@shankarnath

Жыл бұрын

Most welcome. Glad you liked it!

Very insightful video. ❤

@shankarnath

Жыл бұрын

Glad it was helpful!

Excellent and very informative presentation 👏👏👏 Thanks Mr Shankar 🙏🙏

@shankarnath

Жыл бұрын

You're most welcome. Glad you liked it

Really appreciate your work on making informative content. Thank you sir.🥺

@shankarnath

11 ай бұрын

Thank you very much for your kind appreciation

Great video and explanation.. Simple and effective..

@shankarnath

6 ай бұрын

Glad you liked it

@shankar Ji - the site now allows choosing different fund manager for each asset class - hope you can update the same in your otherwize excellent video

@shankarnath

7 ай бұрын

Unfortunately, I can't update it within this video as no video platform allows modifications. I'll add it when I do a followup video on this.

Quality Content as always...it should a Million subscriber Channel

@shankarnath

Жыл бұрын

Thank you for your kind appreciation, Sanjib ji

@payalgedam7189

Жыл бұрын

Sir can we give monthly standing instructions from bank account to NPS and how ?

Excellent video ..... Deserves more views

@shankarnath

Жыл бұрын

Thank you!

The maximum asset allocation for equity in active choice has been updated to 100% for Tier II and now subscribers can select upto 3 different PFM across different asset class

@shankarnath

11 күн бұрын

Thx for letting me know

Dear Sir, I am your regularly watching your video . thanks a lot for such a wonderful video, in which you covered all information regarding NPS.I have watched so many videos on NPS, but till date this is the best and carrying all relevant and important information in it. thanks again sir. Sir one question , a central government employee can continue NPS after retirement with or without contribution. please clear this query.

@shankarnath

Жыл бұрын

Thank you very much, glad you found it useful. There is a useful table which might help you resolve your quandary. May I request you to have a look at it. Link: npscra.nsdl.co.in/nps-exit/

Hi Shankar very informative, how beneficial is it to open account by individual (self) or by an agent , how much the charges affect to individual investor.

@shankarnath

Ай бұрын

Thank you! Different agents have a different charge structure. For example - ETMoney (NPS agent) used to charge 0.25% per txn, not sure what's the case presently.

Really nice comprehensive explanation though little long but wholesome. Thank you !

@shankarnath

11 ай бұрын

You're welcome! Please utilize the 1.5x (or faster) speed option on KZread to save time

nicely articulated

@shankarnath

4 ай бұрын

Thank you!

Thank you, Very helpful

@shankarnath

3 ай бұрын

You're welcome!

Very nice and detailed explanation Sir. Thanks!

@shankarnath

Жыл бұрын

So nice of you. Most welcome!

@shankarnath The NPS scheme is now open to Non Resident Indians (NRIs) & Overseas Citizens of India (OCIs), but currently it is limited to Tier 1 account only.

Many thanks, it is a wonderful video.

@shankarnath

8 ай бұрын

Thank you

Thank you, great video

@shankarnath

Жыл бұрын

You are most welcome! 🙌

Very Informative

@shankarnath

Ай бұрын

Thank you 🙌

Thank you for sharing comprehensive video on NPS. I want to ask, what happens if a subscriber leaves the country permanently before the age of 60 and gives up Indian citizenship?

@shankarnath

2 ай бұрын

Most welcome. Pls refer to point 3 of npscra.nsdl.co.in/download/Nodal%20Office/NPS_FAQ's.pdf

Shankar Ji, Many thanks as you have enhanced our knowledge on "NPS"... ( R u gaining a weight) ??

@shankarnath

Жыл бұрын

Most welcome. Yes, there is some renovation work going at my place .. so I'm quite tired these last 3-4 weeks. This has affected my video schedule and my walk schedule aswell. This'll go on until the 15th of next month & then I'll spruce back to normalcy.

Nice Explanation Shankar! However, as NPS is retirement, instruments, so can you also make content on Guranteed return income like jeevan umang etc

@shankarnath

Жыл бұрын

Thank you Gourav ji for the suggestion. I'll add it to my content queue.

Great comprehensive video..👍 A question - Many organisations mandates retirement age at 58 years whereas NPS retirement age is 60 years. This should be changed and Govt should look into it.

@shankarnath

Жыл бұрын

Thank you for your appreciation

Good research but it is not correct that in active choice all asset classes has to be managed by since PFM. You can choose a different PFM for each asset class. I have done it myself and hence confident

@shankarnath

Жыл бұрын

Yes, I thought so too but couldn't find any literature. A couple of viewers were kind enough to email me the screenshots and clarify the matter. I'll update it via a pinned comments by tomorrow

Please make a video with examples of SLW system and the transaction charges one has to bear alongwith tax benefits.

@shankarnath

6 ай бұрын

Thanks for the suggestion

NPS showed how to do a SIP on its Tier 2. But it did not show how SEP could be stopped!! Any one knows how this can be done ?

Fantastic video sir. Very informative

@shankarnath

Жыл бұрын

Glad you liked it

Thank you. This was helpful.

@shankarnath

5 ай бұрын

Most welcome!

Hi Shankar Sir, great video. Thanks for it. However I would like to mention that we can now choose different pension fund managers for different asset class within same Tier. I am saying because in my Tier 1 account, I have HDFC as fund manager for my 75% class E holdings and LIC as fund manager for my 25% class G holdings. I hold 0% in Class C and Class A.

@shankarnath

Жыл бұрын

Thank you Saurabh. Yes, I got to know now and a couple of viewers have sent me an email from where they received that communication and even a screenshot of their NPS portal where this is enabled. I also remember reading of this happening but couldn't find any article to this effect. Thx again for letting me know, I'll update it via a community post or pinned comment for the benefit of all.

@Mysangeeet

Жыл бұрын

This is for Manual allocation only?

@SaurabhSingh-in

Жыл бұрын

@@shankarnath Thanks Sir

@SaurabhSingh-in

Жыл бұрын

@@Mysangeeet Yes. This is for Active choice.

Beautifully put. Thanks

@shankarnath

11 ай бұрын

You're very welcome

Excellent video on NPS. 02 qurried 1.The investment is monthly or yearly. I want to invest ₹50,000/- annually(once in a year) to get Tax exemption of ₹15000/-is it allowed? As FY is at end. 2 .Is such Tax exemption allowed in Tier-II?

Holistic View on NPS. ❤

@shankarnath

Жыл бұрын

Glad you found it useful!

Thanks for the detailed video!

@shankarnath

5 ай бұрын

Most welcome

Neatly explained...

@shankarnath

9 ай бұрын

Thanks

Really good video sir, thank you

@shankarnath

Жыл бұрын

You are very welcome, glad you liked it

Very very informative vdo

@shankarnath

4 ай бұрын

So nice of you. Thanks!

Hi, one point is not clear. Recently govt has allowed to choose different fund class for different heads but you mentioned it as not allowed. Pls clarify.

@shankarnath

Жыл бұрын

Yes, I have received information from some viewers that this has been allowed although none of us could find information on this. But a couple of viewers sent me screenshots so that's settled then that different pension fund managers can be selected for different asset classes

There is one NPS TTS which is only for central government employees. Active choice for govt employees is all in government securities.

Very insightful video

@shankarnath

11 ай бұрын

Glad it was helpful!

Just wanted to confirm that if any person is already eligible for pension can apply for NPS or not

Think of NPS and video just pop up 👍

@shankarnath

Жыл бұрын

Enjoy! :)

Thanks Sir , well explained 👏

@shankarnath

Жыл бұрын

Most welcome! Glad you liked it

Almost all queries are answered except one If say i want to invest 50 k for tax benefits do i need to split it into tier 1 and 2,and what are the individual accounts' tax benefits

Great presentation

@shankarnath

Жыл бұрын

Thank you!

If my NPS contributions are irregular, no action for around 3-4 months, does my account go dormant?

Thank you for this explanation but could you please clarify min contribution per year amount? at some places it is 1000 and some articles mention that no min amount is needed

@shankarnath

4 ай бұрын

Hello, please refer to point 2 in this webpage: npscra.nsdl.co.in/all-faq-contribution.php

Is opening an account online is better or offline? Or it makes no difference?

Good Information. thank you

@shankarnath

Жыл бұрын

Glad it was helpful!

Hi Shankar ...I work in a central autonomous body...my investment pattern follows default scheme .. hence growth is only 7 percent... I am not able to change my investment pattern online...any suggestions ?

@shankarnath

Жыл бұрын

Hi. I believe there are some limitations for government employees on the funds, allocations etc. I've gone deep into that but other viewers have mentioned the same aswell. Apologies, this video is based on the "all-citizen" category (and not around central government, state government & NPS Lite which are other NPS categories)

The video was extremely informative. However, can the contribution be varied as one's career progresses?

@shankarnath

6 ай бұрын

Yes. The NPS amount can be varied

Whether the total corpus ( less than 5 lac) if withdrawn on closure of NPS a/c after 60 will attract exemption under EEE?

@Shankar 1st of all it was a great video. Some of my friend is saying not to invest in nps. But to invest in ELSS mutual fund. Because of annuity purchase and less return of NPS. I wanted to know are you a investor in NPS?

@kvsbabu2124

Жыл бұрын

It is a long term investment for your retirement needs.

12:30 Hi Shankar, this statement is incorrect. Now you can choose different fund managers within the same tier. For eg you can now choose Hdfc for Equity along with LIC for Corporate, UTI for Govt in the same Tier -1 scheme. I have done it myself. Pl correct the same.

@shankarnath

Жыл бұрын

Yes, I thought so too but couldn't find any literature. A couple of viewers were kind enough to email me the screenshots and clarify the matter. I'll update it via a pinned comments by tomorrow

Govt employees can not select active choice option...

Is pension from NPS for lifetime or till I exhaust the sum accumulated in annuity ?

Please tell how to rebalance NPS to generate above than average return like suppose in moderate choice if equity goes above 55 then we should rebalance back to 50,30,20 this way we can lock the profit in market run up... And when equity goes to 45 percent then we can rebalance to buy at low valuation??

Nice one Shankar ❤... I too used to think NPS stands for national pension scheme...I actually started my tier 1 account after seeing your video in ETmoney..so far returns are good..but then I need to see how it performs during downturns...have opted for active choice..E60:C20 G15 A5...you could have covered a little more on how to port from one to another pension fund.and also the charges that are involved ..and also on which/how to decide on annuity selection..looking forward to your video on whether to opt for more pension and less EPF...

@shankarnath

Жыл бұрын

Thank you very much!

I have a doubt sir As per 80c act 1.5L is Max Consider I am investing in ppf -50000,then my pf is 50000, lic as 50000 so 1.5L is covered. In this case could I invest 50000 in nps under 80ccd(1b) or 80ccd(1b) can be used only additional amount of nps invested in 80c.

Thanx a ton as always for sharing yet another insightful video. However, I think one can fully exit NPS when the corpus accumulated is less than 5 lacs. The limits were increased as far as i know. Kindly chk at your end as well 🙏 😊

@shankarnath

Жыл бұрын

Most welcome. Can you pls forward any literature on this? I used this table (npscra.nsdl.co.in/nps-exit/) which gave me the scenarios specific to 2.5 lakhs and also 5 lakhs.

@pradhansouvik

Жыл бұрын

​@@shankarnathI think, in case of premature exit it's 2.5 lakh and in case of superannuation/ retirement it's 5 lakh.

@shankarnath

Жыл бұрын

@@pradhansouvik I also think so .. which is why at 18:19, I mentioned 2.5 lakhs as the context was on premature-exit (before 60 years of age)

Really good video. One query ,what is the cap in employer contribution under 80 CCD2 in terms of total ammount

@gulshankumar-ft7yb

Жыл бұрын

10% for private employer and 14% for government

@shankarnath

Жыл бұрын

Thank you. This is what the NSDL website says on it: www.npscra.nsdl.co.in/tax-benefits-under-nps.php#:~:text=Additional%20Tax%20Benefit%20is%20available,%2C%20up%2Dto%207.5%20Lakh.

As i hav read on nps site, min contri is 1000 per Fin year and not 6000... could u pls confirm? Rgds,

thankyou

@shankarnath

21 күн бұрын

Welcome

Excellent video

@shankarnath

Жыл бұрын

Thank you very much!

IS THERE ANY MAXIMUM CONTRIBUTION LIMIT UNDER TIER I? CAN I VARY CONTRIBUTION UNDER TIER I?