Commutation आज अपना जानिये केन्द्रीय कर्मचारी, जवान तथा अन्य
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- čas přidán 3. 03. 2022
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Pension
Commutation of Pension
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Pension
The minimum eligibility period for receipt of pension is 10 years. A Central Government servant retiring in accordance with the Pension Rules is entitled to receive pension on completion of at least 10 years of qualifying service.
In the case of Family Pension the widow is eligible to receive family pension on death of her spouse after completion of one year of continuous service or even before completion of one year if the Government servant had been examined by the appropriate Medical Authority and declared fit for Government service.
W.e.f 1.1.2006, Pension is calculated with reference to emoluments (i.e.last basic pay) or average emoluments (i.e. average of the basic pay drawn during the last 10 months of the service) whichever is more beneficial. The amount of pension is 50% of the emoluments or average emoluments whichever is beneficial.
Minimum pension presently is Rs. 9000 per month. Maximum limit on pension is 50% of the highest pay in the Government of India (presently Rs. 1,25,000) per month. Pension is payable up to and including the date of death.
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Commutation of Pension
A Central Government servant has an option to commute a portion of pension, not exceeding 40% of it, into a lump sum payment. No medical examination is required if the option is exercised within one year of retirement. If the option is exercised after expiry of one year, he/she will have to under-go medical examination by the specified competent authority.
Lump sum payable is calculated with reference to the Commutation Table. The monthly pension will stand reduced by the portion commuted and the commuted portion will be restored on the expiry of 15 years from the date of receipt of the commuted value of pension. Dearness Relief, however, will continue to be calculated on the basis of the original pension (i.e. without reduction of commuted portion).
The formula for arriving for commuted value of Pension (CVP) is
CVP = 40 % (X) Commutation factor* (X)12
* The commutation factor will be with reference to age next birthday on the date on which commutation becomes absolute as per the New Table annexed to the CCS (Commutation of Pension) Rules, 1981.
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Death/Retirement Gratuity
Retirement Gratuity
This is payable to the retiring Government servant. A minimum of 5 years' qualifying service and eligibility to receive service gratuity/pension is essential to get this one time lump sum benefit. Retirement gratuity is calculated @ 1/4th of a month’s Basic Pay plus Dearness Allowance drawn on the date of retirement for each completed six monthly period of qualifying service. There is no minimum limit for the amount of gratuity. The retirement gratuity payable for qualifying service of 33 years or more is 16½ times the Basic Pay plus DA, subject to a maximum of Rs. 20 lakhs.
Death Gratuity
This is a one-time lump sum benefit payable to the nominee or family member of a Government servant dying in harness. There is no stipulation in regard to any minimum length of service rendered by the deceased employee. Entitlement of death gratuity is regulated as under:
Qualifying Service Rate
Less than one year 2 times of basic pay
One year or more but less than 5 years 6 times of basic pay
5 years or more but less than 11 years 12 times of basic pay
11 years or more but less than 20 years 20 times of basic pay
20 years or more Half of emoluments for every completed 6 monthly period of qualifying service subject to a maximum of 33 times of emoluments.
Maximum amount of Death Gratuity admissible is Rs. 20 lakhs w.e.f. 1.1.2016
czcams.com/video/Dt1lFWakNsQ/video.html कैसे होंगे ECHS कार्ड update #ECHS #Shorts
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Thank you sir 🙏 for your valuable video's
u deserve appreciation sir. God bless u.u r doing very good job.
Sir pls make a vedio on retirement benefits from defence sector like gratuity commutation pension NGIS etc
so kind of u sir, very informative video
Thank you sab bahut acha bat bataya❤❤
जय हिन्द जी,
आपके द्वारा बहुत ही महत्वपूर्ण जानकारियां दी।
मेरा एक प्रश्न है कि मैं 1 अप्रैल 2008 में रिटायर हुआ था।
मुझे कम्यूटेशन की राशि फरवरी 2009 में मिली थी।
मेरी कम्यूटेशन की किश्त कब से कटनी चाहिए?
1 अप्रैल 2008 से या फिर 1 फरवरी 2009 से।
धन्यवाद सर
Thank you sir very useful information.
very useful matter of hard life to make life easy post retirement with the advantage and benefit of commutation
👍 Thanks 🙏
Sirji hum aapki har video ko dekhte hain jo ki bahut hi informative hoti hain. Aapse ek nivedan hai ki RTI par ek video jarur banaye pichhle 3 saal pahle retirement hui thi aaj tak CEA nahi mila hai, RTI questions ke baare me bataye please.
Sir, lakhaun lakh namaskar sir jai, hind sir jai Aasm Rifles ki, sir
Nice video
Thanks 🙏🙏
Sir, lakhaun lakh namaskar sir jai, hind sir jai Aasm Rifles, jai bharat sarkhar, ki jai bharatmata ki, jai sir
Sir, मै मार्च 2003 में रिटायर हुआ था ।लेकिन मेरा कम्यूट का पैसा अभी तक कटता है । बैंक से बताया तो भी कार्यवाही नहीं हुई । रिकॉर्ड ऑफिस से जवाब आया की बैंक करेगा । PCDA से संपर्क किया उनका भी यही जवाब की आपका बैंक करेगा । बैंक बोलता है आपके अकाउंट मे जो आता है आपको दे देते है । क्या करू please proper guide करे । आपके जवाब का इंतजार करूंगा । जय हिन्द ।
सर मै भी 2003 का ही रिटायर हूं और मेरा भी कम्यूट अभी भी काट रहा h बैंक वाले बोल रहे है 2026तक कटेगा pls help me
Jai jawan Jai kisan
Jai hind srr
👍👍👍 very nice sir
super
Sir
Can a retired jco apply for nsp weapon and if yes how।
Please explain in detail the procedure
Good
Restoration of commuted value on competition of 15 yrs not being met in practical by cdpa(p). In my case date of retirement/pension is 01 feb 2007, hence restoration of pension should be 01 feb 2022, but pcda(p) did not act upon. My old ppo no s/045451/2006(army) & e ppo 153200602095 suffix 0199. Amount of restoration is 5985. Thanks if you could resolve the issue by taking up case
सर हायल्टी area मे ब्लड प्रेशर की कॅटेगरी होने से क्या benifit हैं aur iske लिये applicable मेडिकल disability policy samzayiye
Disability pension milegi service pension ke sath
Lekin Kitna percentage
50%
Can commuted amount recovered in 10 years or before 15 yrs
Sir, what is the interest on commutation at present. Please notify.
Jaihind Saheb. Mera question hai Sahab Commutations instalment complite hone ke baad full pension ke lie kuch karna padega na automatically CDA dedega.
Sir good , I am retair in age 54 years but I pay my commutation in 15 years
Sir aap ke v d o bhut shi hote h or smjh m b aate h
Sir aap ne mera ek v d o bnaya tha Aguthe mhine m 2022 ko sir mera abi Tak kuchh ni Mila pension d s c ki dusryi pension sir qya kru kuchh smjh ni aara h
Jai hind sab
Whether the facility is available to refund the commutation amount received at the time of retirement.
Sir I took retirement in 2020, I did not take commutation at the time of retirement. Can i take commutation now? What is the procedure to take commutation right now.
Sir I also retired and not opted for computation,now I want to get computation,any procedure if u know please share me.I want to compute my pension
Nice information
57की उम्र मे रिटायर्ड होने पर कितने वर्ष की उम्र तक कम्प्यूटेशन राशि कटे गी।
Sir jai hind please tell me if any new facilities provided for special child in this budget regarding insurance and shavings
Hi sir pl explain how to apply for weapon through ordinance depot
One advice for all avout to be pensioners, be aware that recovery interest rate is 7.99% of commutated amount. It is very difficult to beat that amount for a pensioner . So think wisely before opting for commuted amount
Sir aapke hisab se
Mann lijiye mujhe koi required nahi hai toh
Kya commute lena sahi hai
Sir were do we have to tell that we need commutation in record office or in the unit it self 🤔
Sir, is low medical category pers can take commutation?, please clarify
Yes
@@SainikWelfareNews sir one rank one pension kab aayega new update
@@animadebbrama1705 yet Supreme Court not declared date
Sir iss commutation duration (15 years) ko kam kiya ja sakta hai (let's say for 10 years)?
Sir besure senik canteen me fayda hai nhi ya normal kirana shop shi hai
Sir , I am retired from EME on 31 Dec 2020, but my Commutation amount not received till date. Please tell me what problem.
अपने commute option choose kiya था या फिर कम्यूटेशन unwilling किया था तो फिर आपको कंप्यूटेशन नहीं मिलेगा और अगर आपने कम्यूट kiya था तो आपको पैसा mil जाएगा दूसरा क्या आपकी pension से कंप्यूटेशन का amount डिटेक्ट hota है अगर hota है तो आपको interest के साथ मिलेगा
sir sabko ik confusion rehta hain kiya 15 saal kai baad dobara commutation krba sakty hain plz jarur batana
I retired on 31 Aug 10 with Honey rank Fg Offr. Unfortunately I did not get 6 CPC revised pension at par pcda circular No 471 as directed to fix notional pay of pre-revised scale of 5 CPC for Honey ranks. However I received revised pension wef 24/09/2012 in terms of circular 506 on supersession of mod letter 17(4)/08/D(pen/policy ) dated 20/09/12 ( declared non-entitlement of provisions of circular 471)
Now pcda circular 621 dated 03 /04/2019 superceded the conditions of mod letter dated 20/09/2012 and made the provisions of circular 471 fully applicable to post 2006 honorary commissioned officers wef 01/01/2006. The financial benefits are also made applicable also from date of retirement. In terms of circular 471 all other ranks up to jcos/ors received the benefits of revised pension, gratuity and commutation from date of discharge. Accordingly I am also entitled for arrears of all benefits.
At this stage, the JCDA (AF) issued eppo only for break period from DOD to 23/09/2012 with difference of pension without gratuity and commutation.
I request your kind help to clarify my entitlement.
Sir leave incashment ke bare me savistar batayen
Sir dubaara commutation la shakthey hai kya
Sir pl tell me ager koi pensioner disbality pension le raha hai to keya uski death hone ke bad vo disability pension band ho jayege ja continue rehe gi
Sir ji banko ka byaj bahut kam hua hai Lakin iske byaj par kisi fark nahi pad raha hai jo byaj bahut pahle tha wahi byaj aaj bhi hai is par thoda manthan kijiye please
Sir CRPF me 21 sal service ho gaye abhi tak dependent crad nahi bana pa rahi hu .ka kare sir .pls reply.
Sir ordinances Depot se weapon Leneka kia procedure hai
Sir commition lene ke baad vapas bhar sakta hai kya
sir ji jay hind mera sawal ye hai ki 15 sal ke pahley agar koi jawan ki death ho jati hai to kiya us jawan ki family ka pension pura milega ya commutation ka paisa kat kar diya jayega yani ki commutation ka paisa maf hoga ki nahi aur us family ko pura pension milega ki nahi
Sir after death of pensioner family pension milane Ka calculation kya hai basic salary and da. Ka half ya Kuch aur please. Answer me
sir jai hind
Sir kya hum commutation ko pre payments kar sakte hai ??
kar sakte hai to kya procidure hai kripaya sahayata kare...
Sir maine commut 50% liya tha 2 saal payle. Muze commute ki jarurat nahi hai.kya mai commute vapas kar sakta hu. Asa ho sakta hai . Agar ha to kaise.
Bilkul..... Pre close option hai... Aap pcda, Prayagraj me baat kore
Sir 2020-21 children allowance (Scholarship) kab milega ?
Sir
Kya commutation lene ke 2 saal baad me cancel kar sakte hai.
sir koi or26 sal service par tatal amount par video banaye
Computation loan ko pree closings kar sakte hai kya sir pls give me information
Sir ye 8 year me recover hone ki baat chal rahi thi uska kya hua batayen plz
Sir meri november 2021 se army ki pension nahin aa rhi hai bank mein life certificate bharte samay record not found bata raha hai
Kya hum commuted vapis kar sakte Hain
Foreclosure kar sakte hai kya commutation ko ?
Sir da January 2021 ka kabse millega
Namaste sir, mai honorary Lt kalyan gurung Pokhara Nepal. Mai 1st December 2006 mae retirement huwa hair aapke kaheneke mutabik mera comutation Dec 2021Me pura huwa lekin mera comutation aajbhi Rs 6750 per month katta hai Maine pension paying office ko puchhne par mera commute 2025 me pura hoga bolkar PPO Pokhara Nepal ne reply phone par diyatha Kay Naya roule aaya hai 25 years tak commute katta hai to jankari dike.
Hello sir
Mai oct 23 me retirement hua tha aur mujhe ab commutation cahiye to kya procedure hai please batayenge sir
Sir as per your example... Saal mein ek baar hi 15000 pay krna hai ya every month.?
Every month
Sir jee main jab shadi kiya tha 2000 saal mein. Meri wife ki umar 16 saal thi. Pension document mein sudharne ke liye kiya ho saktha hai
Sir jai hind please sir ji retarment ke bad combutesion ka proses kaise or kha se karna parta hai pl feedback
Kitani sal tak karega paisa pension se Jai Hind
SIR KYA COMMUTATION 25 PERCENT KAR SAKTE HAIN, YA FIR 50 PERCENT MANDATORY HAI
AFT Kolkata me 2020 se bench nehi beth raha hai . Is samandit kuch video banai sir. AFT Kolkata me jis jis jaban ka case chal raha hai sare jaban safar kar rahe hai. Please sir
sir mera compute 1aug 2020 mein pura ho gaya lekin abi tak mil nahi raha jab ki mere record ne compute ka letter diya hain maine oh letter dekhne ke baad bhi koi axion nahi kiya mujhe koi rasta bataye
sir Commuted value ko 15 saal se pahle deposit karne ka koi provision h kya??
No
Sir public ko aur jhatka lagega jab unko yeh pata lagega ki commutation milta to 8 se 9 saal ke liye hai lekin katta 15 saal ke liye Hai. So i suggest not to take commutation. Ye jo purchase value hai yeh actualy mei years hai. Plz correct the information mostly utubers do the same mistake.
Comutasipn ka Paisa kaha judta hai ? Basic pension may or total pension may.
Jai hind sir
sir kya lo categri hone par dsc me camutesan milega
Sir I think 12 is months and purchase value is years
Sir jab koi expir ho jata hai to wife ko kitani pansion Aayegi jo Aadmi ko mil rahi thi wo ya cmod kata huwa + palus hoga
Invalid medical board me communication mil sakta hai?
Sir ye Deposit bhi kar sakte hai kay
Sir ram ram ise phalay community may 15 years may hamaray say joda paise layrahai kakay bolatha sir bahut bar may comment kiya tha uska replay nahi milatha sir hamara pension aya hua javan ka paise joda cutting horahai kakey apa ek video kiya tha uska case file kiya karkay bolatha sir g us replay nahi milatha sir please give replay🙏🙏🙏🙏🙏🙏
Sir, gratuity ke bareme batao
Sir
I think 9 years only will get commutation instead of 12 yrs. Pl correct sir
Fitment factor ka kya hua sir
साहब नमसकार, मैं आपके तकरीबन सारे विडियो देखता हूँ। आप सर्विस मामलों की अच्छी जानकारी रखते हैं व बहुत सरल तरीके से समझाते भी हैं। लेकिन मैं आपकी इस बात से सहमत नहीँ हूं कि आपको कमयुटेशन 12 साल का मिलता है बल्कि जो कमयुटेशन वैल्यू होती है उतने ही साल की पैंशन अडवांस में मिलती है। जैसे कि यदि किसी का बेसिक पैंशन 40000 रू है और वो आधा कमयूट करवाना चाहता है तो उसका फार्मूला वही होगा जो आप बताते हैं लेकिन इसको ऐसे देखना होगा। 40000 रू का आधा 20000 रू। 20000×12 =एक साल की कमयुटेशन वेल्यू निकल आयेगी = 240000 रू। पैशनर की उम्र यदि 50 साल है तो टेबल के अनुसार उसे 8.7 साल की आधी पैंशन एडवांस में दे दी जाएगी = 240000×8.7
और अगले 15साल तक रिकवरी होती रहेगी। इस लिये कमयुटेशन बहुत घाटे का सौदा है।
Ser mene cammutetion 1900 rs pension camute hui thi but ab hmara camutetion 7810 hone lga iska kya hoga ser
Sir mere hisab se aapne thoda sa galat batya for example my pay last pay 38100+5200+450=43750 now 43750÷2=21875 then 21875÷2=10937.50
And 10937.50×12×9.075=1191093.75 ur comut 450 is class pay if applicable
U are is correct
Bilkul sahi hi,
Sir ji aap ne sahi calculate kiya hi,
......
सही तो बताया है साहब ने ,
Lmc person commutation le sakte hai kon kon kon sicat me lagu nahi hai
डी आर बढ़ने पर कमयुटेशन मूल वेतन पर भी डी आर बढ़ेगा क्या
Sir, agar retirement ke samay commutation nahi liya hai aur retirement ko ek saal se jyada samay ho gaya hai, to baad me commutation le sakte hai.
Sir agr apne computation liya hai retirement ke ek sal bad to please procedure bataye ,kese computation milta h
Sir good morning
Army written kab hoga sir
Sare boy aaj kal andolan kar rahe h
Is par ek video aap banaiye sir
I am 52 years old, I took retirement in 2002 can I have the compute again ???
Sir mera commutation ppo mein to aa gya hai but account me credited nhi hua hai kya kare
Sir main na willing kyia commutation par nahi Mila kyia problem hain
Jai Hind sir ...
Sir jo jawan sparsh ke dwara pension le rehe hai.. sbi bank unko pension par loan nhi de raha hai.. unka kehna hai ki aapki pension hmare pass nhi aati .loan nhi mill sakta..apko sparsh loan dega..sir koi iske related ko jankari ho to share kare saab ji..
Apko phone bhi kiya but AAP busy the...
Jai Hind Saab..
Plz plz... reply
Dear sir
Mai rect rank se medical board 2005 me aaya tha.
Mujhe pension bhi milati hai.
Sir mera 860 rs har mahine commit hota hai.
Sir 2022 me mera 17 saal ho gaya lekin commuit ka paisa abhi bhi meri pension me nahi juda hai.
Kripa kar ke bataye sir kya mujhe commuit ka paisa milega.
Sir mujhe kitane paise commuit ke mil sakta hai.
Please bataye sir
Saheb agi nikalne ka farmuola batao
Re payment karsakthe hain