Isizathu Sokuba Ukutshala Intela Kube Isihluthulelo Somhlalaphansi ENdiya

Ukuhlela umhlalaphansi eNdiya ngokuvamile kuthatha indawo ephambili emigomweni engokwezimali efana nokuthenga indlu, ukuxhasa imfundo yabantwana, noma ukuphatha izindleko zanyanga zonke. Nokho, iqiniso lisobala: ngokunyuka kobude bokuphila, ukwehla kwamandla emali enkonzo yomkhaya, nokwehla kwezimiso zokusekela umkhaya ezihlangene, ukwakha umhlalaphansi omkhulu owenzelwa ukuthatha umhlalaphansi. Inselele ukuthi ukubekela eceleni imali yeminyaka engu 20 noma engu-30 kude izindleko zemfundo zesikole, noma ukuphathwa kwemali edingekayo kubuhlungu lapho wonke umholo ubonakala udinga intela namuhla. Lokhu kulapho amathuluzi awentela awentela enyukayo anikeza khona amandla anamandla angokwengqondo kanye nentengo yemali engokwezimali engokwezimali engcono kakhulu. Ngokuhlela imali ehlawulwayo engcono kakhulu, uhulumeni angaqala ukukhokha imali etholakalayo ukuze uzuze imali engcono kakhulu ukuze uzuze imali engcono kakhulu.

Isihluthulelo siwukuqonda ukuthi akuwona wonke amathuluzi okukhokha intela alinganayo uma kuziwa emhlalaphansi. Amanye athembisa ukubuyisela imbuyiselo kodwa ukukhula okuphansi, kuyilapho amanye enikeza ukukhula okuhambisana nemakethe ngokunokwenzeka okukhulu. Inhlanganisela ecabangelayo, ehambisana nesifiso sakho sengozi kanye nesikhathi, ingaguqula intela yakho ibe injini yomhlalaphansi. Kulesiqondiso esibanzi, siphula yonke inqubo yokukhokha intela ngaphansi komthetho wamaNdiya, sichaze ukuthi inzuzo ngayinye ekhona ekwakheni isakhiwo sekhomputhe, futhi sichaze izinhlelo ezisebenzayo ukuze kwandiseke kokubili izinzuzo zentela nengcebo ende.

Ukuqonda Izikhali Zokusindisa Intela ENdiya

I-Indiya’s Inhoonding Tax Act inikeza izithembu ngaphansi kwezingxenye eziningana, ikakhulukazi i-R80C, evumela ukuncishiswa kwengqikithi yemali engu-761.5 lakh ngonyaka ongokwezimali ekubekeni imali emisiwe. Ngaphaya kwe-80C, izikweli ezengeziwe ngaphansi kwe-Foctures 80CCD(1B), 80D (umshuwalense wokubulala), kanye nama-80G anganciphisa iholo elikhokhelwa intela. Ukuthatha umhlalaphansi, amathuluzi ahlanganisa izinzuzo ezingu-80C kanye nemali egcinwe isikhathi eside. Ngaphansi sihlola inqubo ngayinye enkulu.

Imali Yomphakathi Yokunikela (PPF)

I-PPF iyisiqongo sokulondoloza imali esibuyiselwa uhulumeni ngenkathi yokuvuthwa kweminyaka engu-15. Inikeza inzalo emisiwe (manje ecishe ibe 7.1% ngesigamu se-num, ibukeziwe ngokwekota) ekhululekile entelani yakho kokubili ukuhlangana nokuhoxa. Imali efakwa emalini ebhajwa kuhulumeni elinganiselwa ku-761.5 lakh ngonyaka ifanelekela ukuncishiselwa ngaphansi kwesigaba sa 80C. Inzalo ehliswayo idededelwa entelani ngaphansi kwengxenyeni 10. Inzuzo enkulu itholakala ekulondolozeni i-parr, i-PPF inikeza ithuluzi elilondekile, elihlangeneyo. Nokho, unyaka weshumi elinesithathu elingu-locketle-in (ngokuvunyelwa ngokwengxenye yonyaka wesikhombisa) isho ukuthi ifanelekela kahle kakhulu imigomo yomhlalaphansi esuke isesingeni esingaphansi kweminyaka engu-1095. Inzuzo enkulu ibuye inzuzo enkulu iphinde ibuyele esikwele.

Esinye isici esivame ukunganakwa ukuthi i-PPF inganwetshwa ngezitini zeminyaka emihlanu ngemva kokuvuthwa, ivumele ukukhula okuqhubekayo okukhululekile kwentela. Kusemhlalaphansi, ungaqala i-PPF ngaphambi kwesikhathi, unikele inani elikhulu unyaka ngamunye, futhi uyivumele ukuba lakhiwe iminyaka engu 15. Lapho usukhulile, ungayikhipha i-corpus noma uyinwebe uma uqhubeka unezela izilinganiso ezincane. Lokhu kwenza i-PPF ibe isikhungo esiphezulu esiphezulu esigcina umhlalaphansi kakhulu.

Imali Yabaqashi (EPF)

Kuzisebenzi ezikhokhelwayo, mhlawumbe i-EPF iyithuluzi elizisebenzela kakhulu lokugcina imali yomhlalaphansi. Bobabili isisebenzi nomqashi banikela ngesilinganiso semali ekhokhelwayo eyisisekelo nemali ethandekayo ku-EPF (umnikelo womqashi uhlukaniswa phakathi kwe-EPF ne-Womqashi Pension Scheme). Iminikelo yezisebenzi ifanelekela inzuzo ngaphansi kwe-PPRC. Izinga le-EPF lingu-12% ngemali eyisisekelo, futhi i-corpus, kuhlanganise nenzalo efakiweyo, uma ihliswa ngemva kweminyaka emihlanu yenkonzo eqhubekayo. Iminikelo ye-EPFF ifanele ukulahlekelwa imali eseleniwe, kodwa unganikela ngokuzithandela ngaphansi kwemali ehholwayodwa (VF) ukuze igcine imali yakho. Imali esele i-VFFF futhi ithole inzuzo engu-EPF, futhi ingenisa inzuzo engcono kakhulu uma ingekho inzuzo enkulu kakhulu.

Isimiso Sezwe Se - pension (NPS)

I-NPS iyindawo yokuthengelana izimali zemali ezithathelwa isikhathi eside, i-PPP ihlelwe yi-Pension Fund Reguariation and Development Authority (PFRDA). Ikhona kuzo zonke izakhamuzi zaseNdiya (kuhlanganise ne-NRIs) futhi inikeza amathala amabili: i-Tier I (izisebenzi zikahulumeni, ngokungakhetheli ezinye) neTier II (imali egciniwe ngokungenakhokhwabayo engenakho imvume, kodwa inzuzo yentela). I-i-protheni encishini engaphansi kweminyaka engu-60, nakuba imvume yokuhoxa ivunyelwe ngaphansi kwezimo ezithile. Iminikelo yokuzinikela inzuzo engcono kakhulu ezindaweni ezihlalayo zonke ingeye isilinganiso semali ezindaweni ezihlala ezingaphansi kwesilinganiso esingu-80 C, futhi iphansi kwezingu-80 zemali ezitholakalayondlalekile ngaphansi kwezingu-80 ezisezinziwayo zonke inzuzo zemali ezitholakalayo. Imalini ezitholakalayo kuphela kwezingunyunyunyuzi zemali enkulu kakhulu. Imali enkulu kakhulu, inzuzo enkulu enkulu enkulu kakhulu kwezingu-

Ukugcinwa komdwebo ohlangene (ESS)

I-ELS inezimali ezihlukene ezinikeza intela encishisiwe ngaphansi kwe-Sahluko 80C ngenkathi emfishane yokuvala phakathi kwazo zonke izinketho – iminyaka engu-3 kuphela. Ngemva kokuvala i-intshi, amaqoqo angahlengwa nganoma yisiphi isikhathi. Njengoba i-ELSS itshala kakhulu ngokulinganayo, kodwa futhi inikeza amathuba okubuyiselwa okuzayo kokukwehla kwemali ehlayo. Ngalé kwesikhathi eside (iminyaka engu-10+) ephakathi kwayo, i-evezeke yavela ngeminyaka engu-12-15%, i-Revolute ngokuphawulekayo, engandisa ukukhula kwenani elingokonyaka. I-ecops i-cops. Isilinganiso esingu-30 seminyaka emincane kakhulu, isilinganiso esincane kakhulu se-ekhofini esikhona esikhona, i-ess-ense esingcono kakhulu uma nje singasebenza kakhulu ekukhuleni iminyaka engu-12-1945, uma kuqhathaniswa ne-RPPP isilinganiso esiphambili sesilinganiso esiphambili sesilinganiso esivamile sezezezesincane kakhulu, isilinganiso esincane kakhulu sezesincane kakhulu, i

Amaphoyisa Emshuwalense Wokuphila

Imali ekhokhelwayo yomshuwalense wokuphila ikhokhelwa amasuntswana angokwesiko (imali ebuyiselwe emuva, imali ephansi) ifanelekela ukuncishiswa ngaphansi kwe-Candelo 80C, ngaphansi kwesimo sokuthi imali eqinisekisiwe iphindwe ka-10 ngokuphindwe ka-10 kwemali ekhokhelwayo ngonyaka. Nakuba umshuwalense unikeza inzuzo yokufa ukuze uvikele umkhaya wakho, ingxenye egciniwe ngokuvamile ingaphansi kwemali egciniwe ngenxa yokukhetha okuphelele ngenxa yemali ekhokhelwayo ephakeme nemali ephansi. Amasuntsla ngokomthetho anikeza ukubuyela ezindlekweni ezingu-4,6%, okungakhokhwakhwa okunga imali enciphiswayo. Ngaphezu kwalokho, intela ehliswa ngentela ephansi kuphela uma isamba esingaphansi kwemali esiqinisekisiwe (ngeyo 1 April 2012). Imali yomshuwalense ingasekuhlelwa yimali esele kakhulu, kodwa futhi ingaba incishisiwe inzuzo engcono kakhulu.

Indlela Lezi Zinsimbi Ezakha Ngayo Ukulondoloza Abathatha Umhlalaphansi — Ngalé Kwentela

Imali elondoloziwe yentela iwumvuzo osheshayo, kodwa umlingo wangempela wokuthatha umhlalaphansi uxhomeke ekuhlanganiseni, ekufakeni imali eningi, nasekwabiweni kwezinto ezithile.

Okuyingxube: Umakhi Oyingcebo Othule

Cabangela umnikazi wemali oqala eneminyaka engu-25 ubudala, utshala imali egcwele i-76.5 lakh ngonyaka exubeni lwe-PPF (7% ibuya) kanye ne-ESS (12% ibuya) kanye ne-40:60 yabela, futhi ibeke i-7650 000 eNPS (10% ibuya iqondane). Ngaphezu kweminyaka engu-35, ithatha ukubuya okungapheli (ngokomfanekiso), ingqikithi ye-76 lakh (62kh lakh ngonyaka) ingakhula ibe ngaphezu kwe-333.5 crore – ngenxa yokuhlanganisa. Ngaphambili uqale, umphumela onamandla kakhulu. Unyaka ngamunye wokulibala udinga iminikelo engaphezulu kakhulu ukuze ufinyelele umgomo ofanayo.

Ukuhlelwa Kwezindawo Zokuhlala Nokuphatha Izingozi

Iphutha elivamile ukubeka yonke imali yomhlalaphansi entweni eyodwa. I-PPF ne-EPF kunikeza ukukhula okuzinzile kodwa okulinganiselwe, kungahambisana nokunyuka kwamandla emali phakathi nenkathi ende. I-ESSS ne-NPS (ingxenye esele) inikeza ukukhula kodwa nge-EPS. Indlela engcono ukwenza i-parkfolio ehambisana nokubekeka kwakho izingozi kanye nesikhathi somkhathi. Umuntu othatha umhlala-muva iminyaka engu-20 phela emhlalaphansi, isilinganiso esinzima sika-70-80% kuma-equictive (via NPS equity ne-SS) futhi 20-30% esikweletini (PF, esenziwa ngezikhathi ezinde. Ukuthatha umhlalaphansi kuseduze (510), kancane kancane, ukushintshela izikweletu ezikweletini ezikweletini (i-exPS) kunikeza inkoso ekhethayo ezenzekelayo ngeminyaka engcono kakhulu ngenxa yesandla esingcono.

Iminikelo Yabaqashi: Imali Ekhululekile Yokuthatha Umhlalaphansi

Uma umqashi wakho enikeza i-NPS, noma imuphi umqashi onikela nge-EPS (iphesenti elingu-10 (iphesenti likahulumeni) ulahlekelwa ngaphansi kwe-R80CCD(2) ngaphandle kokuthinta isilinganiso sakho sonyaka wama-80C. Lokhu kuwukugcina imali eyengeziwe enciphisa iholo lakho elikhokhelwayo. Ngokufanayo, umnikelo we-EPF (12% wemiholo eyisisekelo) awukho intela ekhokhwa ngenkani yomqashi, kodwa isazuza eminikelweni yemali yomqashi ekhokhelwayo ekhokhelwayo.

Izimemezelo Zokwandisa Ukulondolozwa Kwentela Nezikhungo Zomhlalaphansi

Manje njengoba uqonda amathuluzi, isinyathelo esilandelayo ukubulala. Nawa amasu asebenzayo okucindezela kakhulu kokubili intela eshibhiwe kanye nokukhula isikhathi eside.

Ingxenye Ka - 80C Nengxube Efanele

Isiqephu 80C sinikeza isilinganiso esingu-1921. Ungagcwalisi nje umkhawulo nganoma yikuphi ukukhetha - ngokwenzeka. Indlela elinganiselwe kungaba: 761.5 lakh in PPF (isici esiphephile) + ESS (umsuka) + EPF (enziwe ngokuzenzakalelayo) ihlangene phakathi kwesilinganiso. Ngokwesibonelo, uma umnikelo wakho we-EPF ungu-60,000 ngonyaka, une-190,000 eshiyekile. Ukwehlukanisa imali phakathi kwe-PPF (i50,000) ne-ESS (2000,000). Noma uma ufuna ukukhula okwengeziwe, ufake zonke i-69 000 ku-ES kusuka ku-ELS ku-IS ku-IS kusetshenziswa izinhlandla zakho ezinyukweni eziyinhloko. Uma ucabangela i-i-ikhuphulo: PPP ne-EPFF ku-EP kusuka imali ende ende ende ende ende, uma ungayidingi enye izindleko ezingaphezulu, futhi udinga ezinye izimali ezikhokhe ezingokomthetho ezingokomthetho zezingane ezisekhaya ezingokomthetho ezingokomthetho kanye nezingu-80.

2. ILevrage Ukukhishwa Kwe - NPS Okuqhubekayo Kwama - 760,000

Ingxenye 80CCD(1B) inikeza isilinganiso esengeziwe semali ehlawulweyo ye-NPS Tier engu-760,000 ngeminikelo ye-NPS I, ngaphezulu kwe-80C. Leli ithuba elikhulu kunoma yimuphi umkhokhi wentela, ikakhulukazi leyo esezitsheni eziphezulu. kumuntu onezikweleti ezingu-30%, utshala imali engu-7650 000 emalini yentela eNPS. Kodwa imali ngokwayo ikhuphuka intela edebeselelwa ngaphezu komhlalaphansi. Uma unikela nge-75 000 ngonyaka kusukela eminyakeni engu-30 kuya ku-60, ugcwalisa ukukhula kwaminyaka yonke, uhlanganisa imali ecishe ibe ngu-699999. Ngemva kokuthenga imali ehlayimali, uthola imali yentela yanyanga zonke nenkokhiso ekhululekile. Imali elinganiselwa ngisho noma usuye wanele isilinganiso se-2005.55 C. Ngakho, inani lokuqala lokuqala lokuqala lokuqala lokuqala lokuqala, u-FFFS, ngokokusetshenziswa ngenzuzo yokuqala ye-NFP.

3. Iminikelo yomqashi: khulisa 80CCD(2)

Uma umqashi wakho evumela iminikelo ye-NPS, bakhuthaze ukuba banikele ngesilinganiso esivunyelwe (iphesenti lemali eholwayo (10% ye-NPS ku-okwabo, 14% kuhulumeni). Lokhu kunciphisa iholo lakho elikhokhelwayo futhi kwakhe i-corpus. Ngokwesibonelo, uma umholo wakho uyi-7612 lakh nge-num, umnikelo we-761.2 lakh kuya ku-NPS ungena intela ngokuphelele ezandleni zakho ngaphansi kwengxenye 80CCD(2). Yihlanganise neyakho 80C kanye ne-80CC(1B) , futhi ungagcina ngaphezu kwe-63.2 ngentela unyaka ngamunye kuyilapho ukha umholo wentela ovamile. Nethiyathe nomqashi wakho ukuba ahlanganise ingxenye yakho ye-NPS uma ungawunikiwe kakade.

4. Sebenzisa ama - ALS ekukhuleni nge-fing Lock-in

I-ELSS inikeza inzuzo yoketshezi ngemva kweminyaka emithathu, kodwa emhlalaphansi, akumelwe uyibheke njengethuluzi elifushane. Kunalokho, sebenzisa i-ELSS njengemoto ukuqongelela i-exter-presed. Ungaqala i-ELSSIP futhi ngemva kweminyaka emithathu, unendawo engenisa amanzi amanzi. Ungakhulula futhi uphinde uphinde uyisebenzise njengemali evamile (akukho ibhanana lentela futhi) noma uqhubeke uphethe. Isihluthulelo siwukungadedeli imali engadinge--retiretirefire. Ize intela, i-ELSS igcina amaqoqo emalini angaphezulu konyaka owodwa ukuze ifaneleke njengenzuzo ephambili (CCC).

Ukuhlanganisa Imali Yokuzithandela Etholakala Ngezikweletu (VPF)

Uma uyilungu le-EPF futhi ufuna ukukhokha izikweletu eziningi ngesilinganiso esifanayo senzalo, sebenzisa i-VPF. Unganikela nganoma yiliphi ipesenti lemali yakho eyisisekelo (ngokuzithoba enkambisweni yomqashi wakho) kuyi-VPF, futhi izuza izinga elifanayo le-EPF. Umnikelo ufanelekela ngaphansi kwe-FC 80C. Lokhu kuwusizo kakhulu kubanikazi bemali abakhokhelwayo abasesilinganisweni esiphambili kakade befuna ukunqwabelana kwentela ekhululekile. Nokho, khumbula ukuthi i-EPF+VPF-VF ihlangene inesikhala kuze kube umhlalaphansi (ngaphandle kwezindawo ezithile eziqondile), ngakho uqinisekisa ukuthi unamanye amathuluzi asebenzayo ngenxa yesimo esiphuthumayo.

6. Ababehlukanisayo Bakhipha Intela Encane Engqondweni

Kusukela ekusungulweni kwenkampane entsha yentela (amazinga aphansi kodwa angenazincopho), abakhokhi abaningi babhekene nokuzikhethela. Uma ukhetha ukukhokha intela entsha, ukutshala intela ngaphansi kuka-80C, 80CCD(1B), njll. njl., unganikezi nzuzo. Uma uthola umholo omkhulu kuhulumeni wakudala, izikweleti ziyigugu kakhulu. Iminikelo ephansi kakhulu eholweni (ngaphansi kuka-97959) inzuzo yokukhokha intela), i-ethena entsha, i-Rebate ingaba ngcono. Imali enikezwa uhulumeni okunika intela ephansi ngaphandle kwenkokheshi yakho, kodwa inciphe kakhulu, uma ukhetha imali esele kakhulu, ngaphandle kwenkokheko yakho ewuzayo.

7. Qala Ngokushesha Futhi Usebenzise Amasu Okutshala I - systemical (IP)

Isici esikhulu kakhulu sobukhulu be-corpus isilinganiso somhlalaphansi isikhathi, hhayi isilinganiso sokubuya. Ukuqala nge 25 nangu 35 kungaphindeka kabili noma kathathu i-corpus yakho yokugcina ngenxa yokuhlanganisa. Sebenzisa i-SIP ye-ESS neminikelo yasikhathi sonke ye-PPF/NPS ukuya ekuqeqesheni. Ukuhlela izimali kuqinisekisa ukuthi awusoze walahlekelwa inyanga. Ngokwesibonelo, umise i-auto-eterbox ka-65 000 e-ELS enkongweni ye-NS kanti unyaka ka-14000 uye u-NPS futhi u-2040 000 000 uyibeke i-NFS ngonyaka, ungaba ubeke i-660,000 nge-ELS ne-NPS, kanye ne-EPS, kanye ne-EPFF yakho. Uyokweqa i-EPTHRC.

Amaphutha Avamile Nendlela Yokuwagwema

Ngisho noma benezinhloso ezinhle, abatshali abaningi bezimali baseNdiya bawela ezicuphweni ezinciphisa ukuphumelela kokutshala imali ekhokhelwa intela.

  • Ifaka imali egciniwe yentela njengenhloso eyinhloko: Abanye abantu bakhetha ukutshala imali ngokusekelwe kuphela ekuthengeni kwentela ngaphandle kokucabangela ibuyelo lesikhathi eside. Ngokwesibonelo, ukuthenga inqubo ephansi ethatha isikhathi eside yomshuwalense ukuze nje wonge intela ingakukhiqizela ezibuyiselweni ezingezinhle. Ngaso sonke isikhathi hlola ukubuya kwenetha lokuposa isikhwama semali ngemva kokwehla.
  • Ngokungaphezulu kweholo elimisiwe: PPF ne-EPF kuphephile, kodwa ukuthembela kakhulu kuzo kungaphumela ekuncipheni kwamandla emali. Ngokomlando, i-PPF ibuya ngaphezu kokwehla kwamandla emali okungu 7-8%, kushiyela ukukhula okuncane kwangempela. Izimiso zibalulekile ekudaleni ingcebo ekhona eminyakeni engaphezu kwengu-20+.
  • [[NTL:0] Ukukhokhiswa kwentela yeGenethi ethatha indawo: Lapho umuntu ethatha umhlala-phansi, amaphesenti angu-40 e-NPS corpus kumelwe asetshenziswe ukuthenga izimali eziya emhla nemali, futhi imali ebhaliswayo ikhokhelwa njengemali yakho eyimali. Lokhu kungakha intela uma uthatha umhlala-phansi. Hlela ukwenza lokho ngokungena kwezinye izinsimbi ezinikeza iholo elikhululekile, njenge-PPF noma i-ESS (elimini elisemthethweni).
  • Ukungabukezi i-portfolio ngonyaka: imithetho yentela iyashintsha, amazinga enzalo, futhi isimo sakho sezimali siyashintsha. Hlola i-portfolio yakho yomhlalaphansi unyaka ngamunye. Phinda ufake iminikelo elinganayo, ukunyusa iminikelo ngokuhamba ngeholo, nokushintsha imali uma umsebenzi ungemuhle.
  • Ukukhipha ama-PPF ne-EPF kuvumela ukuhoxa ngokwengxenye ngezinjongo ezithile njengemfundo noma indawo yokuhlala. Nakuba lokhu kuhoxa kungelona iphutha ngokwe-se, kunciphisa ama-corpu ayezohlanganisa. Zama ukunciphisa ukuyeka ezimweni eziphuthumayo zangempela futhi ugcine ezinye izindleko ezihleliwe.

Ukukuhlanganisa Konke: Icebo Lokuthatha Umhlalaphansi

Ake sifanekise ipulani eliqinile lokuhola imali ekhokhelwayo eneminyaka engu - 30 ubudala 7612 lakh ngonyaka, embusweni wakudala wentela, enomgomo wokuthatha umhlalaphansi uneminyaka engu - 60.

  • I-EPF: Iholo eliyisisekelo 760,000 ngenyanga. Iholo lezisebenzi ezingu-12% = 66 000 ngenyanga = 762 000 ngonyaka. Lokhu kufaneleka ngaphansi kuka-80C.
  • I-PPF: Vula i-akhawunti futhi unikele ngo-620 000 ngonyaka (i-plum noma i-12 yemali). Futhi kufaneleka ngaphansi kuka-80C.
  • IELS: Qala i-SIP kanyaka ye-763 000 = 766 000 ngonyaka. Qualite ngaphansi kuka-80C.
  • NPS (THIE I): Umthelela 764 000 ngenyanga = 764,000 ngenyanga. Lokhu kuhlanganisa 7648 000 ngaphansi kuka-809 000 ngaphansi kuka-80CCD (1) phakathi nomngcele wama-809. Kodwa kakade sesine-EPS 322 000 760,000+76 000 763 000 = 763 000 761 000 kweminye imithombo, okungaphezu kuka 801 000. Ngakho kudingeka silungise i-PPPF kuya ku-800 000 000, ingqikithi ye-EPF ku-7672 000, 80 C = 761,000. Khona - 000 000 000. Sebenzisa umnikelo we-NPS wama-61,1 000 000, ukufinyelela kanye kanye 761.[4] Ingqikithi ye-EVR1, i-EVR1 000 000 000 (0,5,5,5,5,5,5,5,000,4,000) iminikelo emhlabalo-Enyuzi: 000 000 (0, 000, 000, 000, i-E, 000 000 000 000 000 000) i-Eya kanye ingqikithi (
  • Umqashi umnikelo: Uma umqashi enikeza i-NPS, uthi iphesenti leholo = 761 120 000 ngonyaka. Ngaphansi kwe-80CCD(2), lokhu kuhlenga ngokuphelele, kulondoloza enye 766 000 entela. Ngakho ingqikithi yemali encishisiwe iba ngu-763,20 000.

Iminyaka engaphezu kwengu-30, i-EPF ithatha i-EPF nge-8%, i-PPF ineminyaka engu-7%, i-ESS nge-12%, i-NPS nge-10% (isisindo esinzima), i-corpus eneminyaka engu-60 ingaba cishe i-32,5-crore (isilinganiso esingokwenani). Lokhu kunikeza inzuzo engcono yanyanga zonke uma ithatha umhlalaphansi, ikakhulukazi uma ihlangene nemali yemali evela eNPS kanye nokuhoxa okungalinganiswa kwe-mali ephuma ePF/EPFF.

Isiphetho: Qala Namuhla, Uvune Kusasa

Ukwakha umhlalaphansi wentela eNdiya akuyona imfihlakalo - kuyindaba yokutshala intela ngokungaguquguquki. Amathuluzi anikezwa ngaphansi kwemithetho yentela yaseNdiya aklanyelwe ukukhuthaza ukugcinwa kwemali isikhathi eside, futhi asebenza ngokumangalisayo uma esetshenziswa ngokunembile. Ukuhlanganiswa kwemali egciniwe esheshayo, ukuhlanganisa, kanye nokuqoqa izimali ezihlelelwe ukutshala imali kungaguqula isilinganiso esilinganiselwe sokutshala imali yaminyaka yonke ibe iqanda elilinganayo. Ungalindeli iholo eliphakeme noma “imibandela ephelele” yemaketheki. Qala nganoma yini okwazi ukuyilondoloza – ngisho no - 76500 ngenyanga e-ELS SIPS noma ngeNPS. Ukwanda kwayo ngeminikelo engaphezulu ngonyaka. Umqashi wakho angashintsha imali ebhaliwe uma kudingeka, kodwa khumbula ukuthi inyathelo elibaluleke kakhulu liqala ngokusebenza kwakho. Ngokuqinisekisa ngeminyaka yakho yegolide.

Ukuze ufunde ngokwengeziwe, hlola ingosi yomnyango wentela ongenisa i-website yoMnyango Wentela yemingcele yamuva ye-EPS, i-NPS ukuthemba[ yemininingwane ye-NPS, kanye ne-[FLT] EFFFF yemithetho ye-EPF.