FEATURE : New Pension Scheme vrs Old Pension Scheme
Oct 08, 2023

Tun hnaiah sawrkar hnathawkten old pension scheme hman leh an phut a, hemi chungchangah hian old pension leh new pension scheme chungchang chhui zau dawn ila.

Sawrkar laipui chuan a hnathawkte pension a pek dan chu hautak leh sum sen ngai a tam avangin mi thiamte zirchiantirin a hnathawkte pension-tir dan thar, new pension system chu January 1, 2004 atang khan a hmang tan a. Mizoram sawrkar pawhin a hnathawkte pension dan thar, new pension scheme hi September 1, 2010 hnu lama sawrkar hnathawk lut tharte tan a hmang ve tan a ni.

New pension scheme hnuaiah hian sawrkar hnathawkte chuan an hlawh (basic +DA) atanga chhuta 10% thla tin thawh (cut)-in chu chu sawrkarin 10% vekin a lo do let thin a. Hei bakah hian sawrkar hnathawk chuan a duh chuan voluntary contribution hmangin kum khatah Rs. 50,000 thleng a dah thei a, sawrkarin a do let ve lo thung.

Sawrkar hnathawk chu kum 60 a lo tlina a pension hunah a pension wealth-ah nuai nge emaw, a aia tam emaw a neih chuan a pension wealth atanga 60% hi a hlawmin vawi khatah pek chhuah a ni a, a la bang 40% chuan annuity leisakin annuity service provider-in thla tin pension a pe thin dawn a. Hetih lai hian pension a chhuah laia pension wealth nuai nga a neih tlin loh chuan pension wealth zawng zawng hi a hlawmin vawi khatah pek chhuah a ni a. Chhianchhiahna hnuhnung berah chuan Mizoramah NPS hmang mek mi 10,264 an awm a ni.

Hetih lai hian old pension scheme-ah chuan hnathawkten sum thawh (contribution) nei lovin an pension hunah pension sum hi sawrkar chuan a pe a. Pension latu (pensioner) a lo boralin a kawppui emaw, an fate emaw, kum 25 an tlin thleng emaw, an fanu chu kawppui (pasal) nei lo a nihin emaw, an fapa chu pianphunga rualbanlo a nih chuan pension hi an la chhunzawm thei a ni.

Old pension-ah hian pensioner chu kum 80 a tlinin a pension lak chu 20%-a tihpun tur a ni a, kum 85-ah 30%, kum 90-ah 40%, kum 90 hnuah 50 leh kum 100 a tlinin a pension lak chu 100% a tihpun tur a ni.

ZALEN zawhna chhangin finance lama mi thiam pakhat chuan old pension scheme hi Mizoram hian hmang leh ta se tun maiah chuan sum sen a tlem ang a; mahse, nakin zel atan erawh sum sen tur hi a tam hle dawn a. Short term atan old pension hi a tha a, long term atan erawh sum sen tur a tam dawn avangin new pension scheme hi a tha zawk niin a sawi.

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