1 लाख रुपए महीने की चाहिए पेंशन, तो कितना करें निवेश?

Aishwarya Awasthi May 20,2024

रिटायरमेंट की प्लानिंग शुरू से ही करना समझदारी होती है.

[{"selector":"#anim-31a0363f-bbd3-4d64-9e7e-a97dcf585e00","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a643225d-74c7-4745-bd3c-70608edfc9d3","keyframes":{"transform":["translate3d(0px, 185.67054%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

जवानी में ही समय रहते बुढ़ापे के लिए कुछ पैसा बचाएं.

[{"selector":"#anim-d8e2876f-b8b9-4697-ab14-9f7bf360368a","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-41c715c6-0835-4bad-baa8-b55aae9122c4","keyframes":{"transform":["translate3d(0px, 262.33915%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

इस काम में आपकी नेशनल पेंशन स्कीम मददगार है.

[{"selector":"#anim-07d36cf1-8993-4e4d-9279-3872c14f0961","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-25f6a0cd-6b61-44dd-9146-05382d5fbb3b","keyframes":{"transform":["translate3d(0px, 262.33915%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

आप थोड़ा-थोड़ा निवेश करके मोटा रिटायरमेंट फंड जमा कर सकते हैं.

[{"selector":"#anim-2b22e4bb-6acb-40a6-be40-a249c339c7f1","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ae1ccc9a-680b-4330-a1c2-7ca27b1fbc6d","keyframes":{"transform":["translate3d(0px, 164.98088%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

बुढ़ापे में हेल्थ से लेकर रोजमर्रा की जरूरतों के लिए 1 लाख रुपए महीने चाहिए होते हैं.

[{"selector":"#anim-0f03b415-ba0f-487f-a950-45511c8a8adb","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bc3540b7-d917-4af1-b849-9b9b1a9015c7","keyframes":{"transform":["translate3d(0px, 171.87742%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

SBI पेंशन फंड के NPS Calculator में आप इसके लिए निवेश करें.

[{"selector":"#anim-00195172-bce7-414f-9241-38c63a2ce877","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-82e92f85-345e-4ed2-987e-865fc27c943d","keyframes":{"transform":["translate3d(0px, 164.98088%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

60 के बाद 1 लाख रुपए महीने की पेंशन के लिए 21 की उम्र से ही 10,000 का निवेश करें.

[{"selector":"#anim-12d88bc7-59b5-4c14-8a7e-5b6b56a162c9","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-49333df9-ef21-4d5b-812f-6ae3f0e6f4bb","keyframes":{"transform":["translate3d(0px, 164.98088%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

इससे 60 की उम्र तक NPS में टोटल कॉन्ट्रीब्यूशन ₹46.80 लाख हो जाएगा.

[{"selector":"#anim-677b81df-4c82-47cf-a0a7-3a4006aa2808","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e0e6b522-9f7e-4fdd-8128-b69f2d99b0ba","keyframes":{"transform":["translate3d(0px, 164.98088%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

इस पर करीब 10% अनुमानित रिटर्न भी मिलेगा.

[{"selector":"#anim-43dfcf6b-aadc-4daf-aeb3-54ed96c1499a","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-10a0846c-228a-468b-a6ed-a257be5dbf4f","keyframes":{"transform":["translate3d(0px, 161.53261%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

करीब 39 साल के निवेश के बाद मैच्योरिटी पर निवेश की वैल्यू ₹5.62 करोड़ होगी.

[{"selector":"#anim-443ba762-1858-43ab-a57d-9a7cd82fbe7d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f750ff5d-5847-42dc-8643-75dd2a9838c5","keyframes":{"transform":["translate3d(0px, 168.42915%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

साथ ही कम से कम 40% एन्युटी परचेज करना अनिवार्य है.

[{"selector":"#anim-1e221a50-24c2-477a-8c43-ba9127ea54cf","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ed863af5-c21c-433f-855c-7c77fc58324c","keyframes":{"transform":["translate3d(0px, 257.07600%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

आपकी एन्युटी अमाउंट ₹2.25 करोड़ होगी.

[{"selector":"#anim-76508a48-6b66-4cba-a598-32e3e8ef9c99","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-306a31ca-8126-43ba-b929-cd5feb500c0c","keyframes":{"transform":["translate3d(0px, 257.07600%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

इस पर 60 साल के बाद 6% की दर से हर माह ₹1,12,458 रुपए की पेंशन मिलेगी.

[{"selector":"#anim-dbe2ff8c-b5a0-46b1-bad7-22b191fef342","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2d88183f-dc32-4892-8bb5-52979b14f35e","keyframes":{"transform":["translate3d(0px, 127.19908%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

आप SBI Yono App से भी NPS अकाउंट खोल सकते हैं.

[{"selector":"#anim-4b177b8d-d0ef-478e-ad58-a13898f60622","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-32264b67-31db-402a-9421-5dbd0714b9ec","keyframes":{"transform":["translate3d(0px, 257.07600%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

इसमें केंद्रीय कर्मचारी से लेकरप्राइवेट सेक्‍टर के कर्मचारी और आम नागरिक भी निवेश कर सकते हैं.

[{"selector":"#anim-fec6c565-0779-4b58-8f05-179cb6ede9c3","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b0508d99-cc68-4d37-b91a-cea8c80e0672","keyframes":{"transform":["translate3d(0px, 150.12630%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]