📚Payroll, Excel & Labour Law Courses for career growth: lpt.institute/courses/ 💸DEMAT Account: link.lla.in/Demat Open NPS a/c: labourlawadvisor.in/nps/ Term insurance link.lla.in/Term-insurance Get the Best Life, Health and Vehicle Insurance: link.lla.in/policy

@somasikder5829

3 жыл бұрын

Happy birthday

@amolsapkale2453

3 жыл бұрын

NPS Tax exemption is under section 80 C ? I think there is separate section for NPS pls check.

@ravikumarsaini365

2 жыл бұрын

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@Ranjeetsingh-yf4db

2 жыл бұрын

Òò⁹oó

@imsunilkumar

2 жыл бұрын

In comparison, by keeping 100% annuity in NPS, U showed more pension in NPS. But, probably u missed to take note that APY is giving guaranteed return of certain predetermined amount to the nominee upon death of the subscriber, while in 100% annuity NPS won't.

I appreciate you for your apology in the age where everyone is trying to show off how they are correct. More power to you !

Thank you for making this clear .i was thinking about choosing APY before but i will switch to a batter option after watching your more investment videos .🙏👌

I am 18 years old and I have NPS account 😅 I will get compounding of 42 years Thank you to Finance Gurus like you 🧡

You r too good. One must hv guts to come online and apologize for the mistake. You've got a big heart to do so. With this attitude, one day u will really make big name in investment industry. I must appreciate and kudos to u...wish you all d best for all ur future videos.

@LabourLawAdvisor

4 жыл бұрын

Thanks a lot, Anand :) And keep critiquing!

@saurabhsharma3814

3 жыл бұрын

@@LabourLawAdvisor Oil Ok o.

Happy Birthday brother. Watching your video on your birthday, the same one wherein you call your birthday out and ask the viewers to check if it's your birthday today and then wish you. Doesn't get better than this. Kudos brother, have a good year ahead.

Hi mandeep, first of all thanks to make us all jagruk, your videos really helped me in taking financial decisions, One request though if you can make a video on tax harvesting using some data to show how much can we benefit from that, considering hybrid fund too then that will be great. Thanks.

6% annuity schemes are giving currently, what’s the guarantee that after 25 years annuity plans will give 6% returns ?

Many many Happy returns of the day... Happy Birthday MANDEEP 💙💚💛

i watched your videos and received good knowledge but on one part of the video which is "Annuity rate" which you have taken as 6% by default. My concern is in future the interest rates will go downward only, as the cumulative inflation will go downward only. we may see Interest rate below 1 percent in coming 20-30 years. so, annuity rates will also go around 1%. Don't you think so. Because of this APY must be taken, nps is secondary as if anyone wants to invest more. Kindly correct if i am wrong. Current Annuity rate is around 5% (approx.)

Brother you are doing really a great work and efforts for us. I have a request, please make a detailed video for Postal Life Insurance ( PLI & RPLI) it will be very beneficiary for Small investors and villagers 😇😇

@sagarsahastrabudhe

Жыл бұрын

Very good request

Your videos are pretty good Mandeep, thanks for the help! Had a query- can nominee get corpus on members death?

The STRONG fin DEVP POWER of compound with SUCCESSFULL plan available in NPS. NPS Means GOOD Retirement plan Growth is GOOD Fin SAFETY in old age. Thank you LLA.

@bhargava_ramudu

3 жыл бұрын

Can you please tell me the procedure to open the NPS account ?

Gm sir , I started investment in nps tier 1 last 5 years back I opened in mutoot fin corp , last 4 year back I opened APY in bank ,but now my nps account is not active as they I mean this mutoot fin corp branch manager told me when I going to invest in nps , please help me whether I should continue both

This video is based on the assumption that interest rates will remain same after 25-30 years. What if the interest rates goes down to 2-3 percent. Have NPS, but there is no harm in having a small contribution towards APY. Think of it as an additional income as you turn 60.

@oposta2331

2 жыл бұрын

but the problem in APY is the max pension is only 5000 and if we think of nearly 30 years from now the value of 5000 at that time will be merely 870 rupees at min inflation of 6%

@Cinema_andBeyond

2 жыл бұрын

Current Inflation is around 6% now think of it after 25-30 years down the line do you still think current fixed investment rates will be able to address the inflation

@EchoFootballFeelTheGame

2 жыл бұрын

So it's possible to have all those simultaneously? Like apy nps EPF etc.

@apurvakumarsrivastav9765

Жыл бұрын

​@@EchoFootballFeelTheGame yes

@apurvakumarsrivastav9765

Жыл бұрын

​@@oposta2331 always diversify your income apy is very small ammount.

Hi Mandeep. It's really helpful to understand difference between NPS & APY from your worthy video. Keep it up bro👍👍

Just want to add 1 point For NPS tax benefits is upto 50K u/s 80ccb(1B). And for APY is 1.5lac under section 80C.

@tsss8486

Жыл бұрын

No..for APY also it is 50k.

Happy birthday sir 🎉🎉🎉🎉🎉🎉 Wish God keeps you always happy and healthy so that u can make more educational videos for us

Sir I'm 18 years old and watch your videos last 2 years Thank you to guide me.

Thank you sir Me. Khud icici Prudential pension ka employee hu or NPS Ac open karna or annuity karna MP me pure mera kam h pr aaj aapka video dekh ke bhohat khusi hui isse customer sahi fesla le paynge again thank you🙏

60 saal me baad 5000 ka value 500rs hi hoga aaj ke time ka soch lo pura month 500 me kya kya ayega sabse bakwas yojna hai

In future APY upgraded to ₹10000/- pension per month, PFRDA consults with GOVT. OF INDIA

Happy Birthday 🎂🎈 Been to your channel on your special day 😍 found video useful 💯 thank you

Was searching for this topic and found your video. Thank you for sharing information in a very clear and simple way.

How can I open NPS if I already have APY account. Can I use the same PRAN no. of my APY account to open a new NPS investment? As PRAN is unique and it is generated once per individual. Kindly Suggest..

@chrisanthusbrunoj3819

3 жыл бұрын

No you will have an another PRAN generated if u apply for NPS

Be lated happy birthday bro..

Informative video on NPA v/s APY (Atal pension Yojana ) .Though APY is only for unorganised workers and those between 18-40 ..🙏🇮🇳

What APY is promising is minimum pension amount. If they are able to realize good returns on the corpus, they will pay that excess amount over 5K. In that scenario, APY may be comparable to NPS too.

Two things which were not considered while comparing with NPS is that in case of APY, after death of Subscriber, pension will be continued for spouse and second thing is the corpus amount for nominee.

@amandeepshah

Жыл бұрын

What will our spouse do with 5,000 pension after our death, better to take term plan for spouse. 5,000 rupees even after 10-15 years will be nothing keeping inflation in mind.

I work in bank. Recently joined. My bank opted for NPS instead of EPF. so now, there is 2700/- from each of us (total ~5800/-) in each month to NPS and I have also started APY for 585/- for 5000/-. I think it's a good decision from my side. Come my retirement in 2053. I'll at least get 10000-/ month, bt considering Inflation,I know it's nt going to be much. That's why, On my way to Share Market now.

@EchoFootballFeelTheGame

2 жыл бұрын

Is it possible to have EPF, PPF, NPS and apy all together?

@roshanpawar8704

2 жыл бұрын

@@EchoFootballFeelTheGame Yes you can invest in all the schemes. Invest in all.

@RiteshSingh-ec5pu

2 жыл бұрын

Pension kitne months ki rahti h

@roshanpawar8704

2 жыл бұрын

@@RiteshSingh-ec5pu 170 Months (Total 14 Years 2 Months)

@maver1ckgamingyt212

5 ай бұрын

@@roshanpawar8704roshan bhai, if I have personal problem, can I withdraw total amount from NPS but from APY we cannot, we will get only monthly pension?

Thank you for bringing all the detailed information and Wish you a very happy birthday 🎂

Happy birthday Mandeep! 🎉 What a coincidence , watching this video on 7th Jan, ,2022.. You mentioned your DOB while filling the form in this video 😃

But in APY after expire of the subscriber lumpsum amount is given to nominee. That is profitable right..!

@amitmishra-jg4xx

4 жыл бұрын

Annuity also provides same

@Random_Things

4 жыл бұрын

Here i would like to add something... This is also apply for NPS. and getting annuity with NPS.

@Akash_Reddy_

2 жыл бұрын

IN APY, AFTER SUBSCRIBER'S DEATH, SAME PENSION IS CONTINUED TO SPOUSE AND AFTER SPOUSE DEATH, LUMPSUM AMOUNT IS GIVEN TO NOMINEE.

I started my job in 2017 and my family member started asking money from me and I gave all the money to them ,I got married in 2019 I have 1 baby now ,and again I have given money to my brothers and father till 2022 ..its 2023 now I am thinking about me and my wife and kid and for my future planning ...I am 29 years old ...I wasted my 5 years just earn and give....what should I do.....I am getting mad.....No one is helping if I ask for money from my father and brothers they always refuse...there is no one in the world....just think about u and ur closer once u start earning money...don't make any mistake as I did

@vinay23smart

Жыл бұрын

Well said dear,no body helps in financial trouble,keep patience and start planning effectively

@muneeshkumar-uq4mm

Жыл бұрын

@@vinay23smart right ✅ 👌

@naikomi4476

Жыл бұрын

Put 5-10% of your income in investing. Eg stocks, bonds, nps. Within 10yrs your investments will grow massively.

@society8085

Жыл бұрын

😢 Bless you brother.. you opened my eyes 🙏

@himanshutyagi7536

Жыл бұрын

Same story with me only diff is I am working from 3 years

Happy Birthday Mandeep bhai. Or aise badhiya videos banate raho or hum sabhi ko jaagruk karte raho 🙏

I opened Swavalamban pension plan in 2014 but from 2016 is was discontinued.Now I want to open NPS account Tier I and Tier II facility.Is it possible now ? Plz suggest.My age is now 42

I guess in APY it is offering minimum guaranteed pension so, there could be some returns at the time of maturity.

@Misti067

3 жыл бұрын

Nope. It is fixed pension. Dont think of getting extra over what you have subscribed.

@neharani1744

3 жыл бұрын

@@Misti067 is there any notification

Wish You A Very Happy Birthday Mandeep ...belated :)

@LabourLawAdvisor

4 жыл бұрын

haha thank you

wah bhai, kya explain kiya h, heads off bhai, really awesome , good going

In your example showing the calculation, APY gives a higher corpus compared to NPS. What about that?

I was working previously in a private sector & opened a APY for 5K scheme & now that I have secured a govt job which has GPF facility. So will that be a problem to run apy & gpf @ the same time? Kindly reply what should I do now.

@vickyjoshiVjs

3 жыл бұрын

No you can have both and now even you can start NPS too

@AshishVerma-hc8ux

3 жыл бұрын

@@vickyjoshiVjs bhai rules kahan se dekh sakte hain...jisme gov job wale bhi APY or NPS donoe invest kr sakte hain...please

@vickyjoshiVjs

3 жыл бұрын

@@AshishVerma-hc8ux uski official site se PDF milega ya our video dekhye.. NPS ke liye ek official channels bhi he KZread me

Sir, I wanted to upgrade my APY account, but due to lockdown couldn't do it in this April. Is there any way to do it now or I have to wait for next April.

@drshpatel6199

4 жыл бұрын

Don't need to wait..you can apply from NetBanking of any bank.. I also applied before 2 weeks

Just one query...the annuity you will purchase in NPS after 30 years so at that time rate of annuity will be very less than 6%

And there also might be a chance that govt would amend APY plan in future

5:20 Correction * I joined a APY scheme in Feb 2020 continued till and closed it in March 2021 (due to some reasons). They did return a portion of the total I saved.

@AnkitSingh-in6te

2 жыл бұрын

What was the maturity amount?

@axomplays947

2 жыл бұрын

how did you close? please share.... I want to close my APY too

@vishalmodani4296

Жыл бұрын

Would be great if you can share the reason?

sir i have one question, suppose husband & wife both have APY account for Rs 5000 then at the age of 60 one of them is die then will any one of the Survivor get Rs 10000 pension?

@captainh1989

3 жыл бұрын

Yes, because na dene ka rule nahi hain.

@plabangiri5762

3 жыл бұрын

Yes survivor will get both the Pension

Great..thank you..aapki vedios hmesha meri confusion dur karti h...

To the point. Best content brother

I think annuity at 6% is a very big assumption as the rate of return after 30-35 years will be very less than what it is today.

@sagrika1502

2 жыл бұрын

Yup...after 30 to 35 years even 5000 rs per month wont be of any value

Happy Birthday 🎂🎈

Very good video, I liked the way you explained.

You are best advisor brother .. AISE VIDEOS DEKHNA HAI HUMKO ... OUR BAKI E- SHARMA OTHER SCHEME PE VIDEO BANAO

Sir in APY, there is mentioned minimum Rs.5000/- guaranteed pension we will get but it can increase if fund perform well during the period.

@vickyjoshiVjs

3 жыл бұрын

Not at all.. It's fixed and guaranteed

@gillmanpreetsingh1990

3 жыл бұрын

Ap apni wife ka bhea kra saktea ho ager sadi hui ha toh

good content❤M❤A❤N❤D❤E❤E❤P❤...

which one is the best option to open an nps account, through the nps website or through a bank account?

i opened an APY ac back in 2014 ab naukri lag gayi wahase NPS pe invest hota hai. APY ka PRAN kabhi aaya nahi. NPS ka PRAN aa gaya. ab kya karna chahiye?

From now on, Atal Pension Yojana (APY) subscribers can increase or decrease the pension amount under the scheme any time during the year. The Pension Fund Regulatory and Development Authority (PFRDA) has asked all banks to process upgrade/downgrade of pension amount requests of APY subscribers throughout the year with effect from July 1, 2020. Subscribers can update pension amount once in a year. Earlier this facility was available only during the month of April year. According to the PFRDA press release, issued on July 6, "This arrangement will enable the Atal Pension Yojana (APY) subscribers to increase/decrease their pension plans as per their changed income levels and capacity to pay APY contributions, which is very important to continue contributions in the scheme till 60 years."

@prempunia1720

3 жыл бұрын

Now can government employee with nps can apply for APY

@subratar5770

3 жыл бұрын

@@prempunia1720 I got government service in department of post. , Government of India and I joined the department in 2019 . Therefore I have been entitled under New Pension Scheme of Government of India as per rule . Can I open APY account simultaneously ? Please let me know the rules and regulations .

@666Shanai

3 жыл бұрын

@@subratar5770 yes

@666Shanai

3 жыл бұрын

@@prempunia1720 yes

@Harshil_Rakesh_Jai_Mata_Di

3 жыл бұрын

@@subratar5770 yes, state and central govt employees having NPS can open APY.

I subscribed for APY..

@vijaykumar-ut1ze

3 жыл бұрын

Is it good or bad option

Hi, thanks for sharing the details around NPS. However, I want to file an application for my father. While filling personal details, there was an option to declare if you're orphan or not. Since I don't have any of the grand parent I marked yes in my father's application. But later on I need to submit a proof, so what document should suffice this case? Any help is appreciated. Thanks.

ittefaq dekho, ye video me bhai ke birthday par hi dekh raha hu. Happy Birthday bro. thanks for the valuable information.

I'm in college and watching your videos regularly 😂😂

@LabourLawAdvisor

4 жыл бұрын

Pagle, rulaega kya? 😂

@killerthreat2440

3 жыл бұрын

Me too I am 18 right time to start investment

@mithuroy906

3 жыл бұрын

@@LabourLawAdvisor @Indian Banker , I resigned from govt. service 2013 . As a matter of fact , no contribution of has been added since then...But,my account still active..My age is 39 now....Now, my question is if I don't withdraw/exit upto my age 60, whether my balance amount will be forfeited or freezed by the govt or refunded to the govt. account? Or, my account will be active & balance (upto 2013) will be increased ?

@amitsuri6293

3 жыл бұрын

I am in school

@preyasthakar9408

3 жыл бұрын

Sahi hai bhai jitana jaldi start karoge utana sahi hai. Power of compounding ka benifit hoga

The logo of the laptop attracts more.

@RahuldevBehera

3 жыл бұрын

Just FYI it's Acer Predator

@LabourLawAdvisor

3 жыл бұрын

Helios 300 (2019)

@RahuldevBehera

3 жыл бұрын

@@LabourLawAdvisor It's a beast anyway.

👍Thanks to share... In so nice way👌

Do you really think annuity plan after 35 years will give you 6%? I bet it will be between 1.5-3 percent.

@LabourLawAdvisor

4 жыл бұрын

I'm glad you think ahead. Which is why one must keep increasing the contributions every year to cover for this. Why contribute a fixed amount? If your income increases, your investments should, too. Also, i do pick NPS over APY, but i am also a big fan of stock markets and mutual funds. Not all eggs are in the same basket :)

@vivekjoshi5503

4 жыл бұрын

@@LabourLawAdvisor but sir you r guiding people so you should clarify regarding annuity so ur comparison show NPS better while APY is more better in terms of pension I think in next video you should clarify

One way APY better than NPS that nominee will get a fixed amount after death, which should be considered while calculating the returns. Anyways it is a matter of choice. Thanks for the educational video. Appreciate it.

@lakshmitejas1685

3 жыл бұрын

Apy is not eligible to all

Sir bahot acche topic par video banai hai aapne Thankyou..

*5000/- After 30 years, won't even be enough for buying beedi..*

@suryakiran9208

2 жыл бұрын

Hmmm 😭

@saurabhsendragade3758

2 жыл бұрын

Something is better than nothing

@suryakiran9208

2 жыл бұрын

@@saurabhsendragade3758 I am 33 , i realised the importance of investing in mutual funds and started it from this year Jan.. i regret why haven't I did it from the the time off my first salary.

Sorry sir me share nahin karunga, mera friend amir ban jaenge

@monesh1997

3 жыл бұрын

😂

Sir thank you for the information in detail. Please advise for the monthly pension of 40,000 or 50,000 which plan is good

Bhut khub bilkul clearly bataya aapne 👏👏👏

Is it possible to apply for both husband and wife separately in APY ? so both can get the benefit of APY scheme independently?

Very impressed...but annuity pension rate you have considered 6%...but I hope annuity rate will decrease with time..

Boss....app Jo negative bat bata ta hua her scheme ka....muja best lagta hey...Love to u bro.

Good information Sir 👌👌; Setp by Setp bathane ki Liye Dhanybad Sir

Can you please make a video on What are the death benefits of NPS ? -Before retirement and after retirement, and is there any benefit if someone dies on same year when he took NPS ?

Thank you so much for clearing all my doubts

Thank you for this valuable information 👍

Sir, In APY if a contributor is Tax payer, can we get corpus amount or not to children??

Really Nice to compare both .I loved ur challen.

1.I think maximum age for NPS is 60 years but you have mentioned 65, please confirm 2. After starting pension after 60 till what year I/spouse Will get pension 3. If I died then shall my wife is eligible for pension. 4. While giving the premium if I died then what is the impact.

When i opened my bank a/c (age 18) they suggested "APY", 2years down the line I'm concerned should I keep investing it that or transfer to NPS.?

Hi, Q1. I checked HDFC bank portal and they have option to open NPS account from their web site & I saw that while processing it shows POP is HDFC bank. But when I go via NSDL site, who is POP? Q2. What is the difference if I have HDFC as POP or NSDL as POP? Q3. If HDFC becomes POP, do they charge something extra & deduct their commission from contributions I do towards NPS?

Hi , your videos are quite informative thanks for making us aware.. I have small doubt in NPS.

Thank you sir for making this informative video . I m 18 years old . Today I heard about this word APY and NPS in bank . I was very about this scheme but you clear my doubts .

Watching it a day before your birthday. Happy birthday in advance! Have a great year ahead! 🎂

I have NPS, APY and EPF all going on since 4 years and APY contribution is insignificant for me and also max of 5k after retirement would not even cover a couple of day's expense at that time, so one can avoid it anyway.

Wish you a very happy birthday. Thanks for the great video.

Hi Mandeep, Person who is paying tax means earning a good amount of money, is there any restriction for him to buy this scheme? To be straight, a person who is paying tax, can he open APY account?

Could you please suggest on number of PRAN one allowed to have? If a user has a PRAN associated with APY and one With NPS, too much confusion on this.

Super brother u are small in age thsn me but i want to tell you i owe u soo much for this gem information and everyone should owe you,proud of you

Thanks for the video. How is this content taking into account tax deduction and it's compounding effect for APY?

The amount which NPS calculator shows, is it the exact amount which I'll be getting? For ex, if it says 60L, then will the corpus be of 60L value in terms of today (which would mean that in the future due to inflation, 60L might become more) OR 60L in terms of that time in future??

Is there any video for postal life insurance from your channel, cozz, I am not able to find any. And is it good to invest in PLI along with NPS?

Sir haryana mein govt. 60+ walo ko pension deti h. Toh kya dono pension milengi 60 ke baad. Ya koi ek hi milegi. Plzbtao

It's great video sir ....... Salute for this

How can I merge/add a Pension scheme certificate, which certificate was before year 2000 and one service is running from 2008 and continue ? Between the year 2000 to 2008, 8 years I had no job.

सर मैंने कल ही यानि 26/02/2021 को PPF account open कराया है, क्या मैंने सही किया ? या मुझे केवल NPS में ही account open कराना था और PPF में नहीं ? pls जरूर बताएं...

I opened a NPS account online through Karvy but the point is whenever I am going to contribute then I have to pay Rs.10/- transactional charges. Please guide me how to remove transactional charges.

Thanks for the video. I have both NPS and APY account but would like to merge APY with NPS. If i close APY and transfer money to NPS, the government contribution is lost and i end up losing money. Please suggest a solution in this case.

Now u can upgrade/downgrade ur contribution in APY anytime.