PF योजना में शामिल होने की मासिक वेतन सीमा बढ़ी

PF योजना में शामिल होने की मासिक वेतन सीमा बढ़ी

EPFO के लाखों सदस्यों, कर्मचारियों के लिए अच्छी खबर है। कर्मचारी भविष्य निधि संगठन ने योजना में शामिल होने के लिए मासिक वेतन सीमा बढ़ा दी है। अब तक यह सीमा 6,500 रुपये प्रति महीने हुआ करती थी जो अब बढ़ाकर 15,000 रुपये प्रति महीने कर दी गई है। इसके साथ ही अब उन सभी लोगों को पेंशन योजना का लाभ नहीं दिया जाएगा, जिनका मासिक वेतन योजना में शामिल होने के समय 15 हज़ार रुपये से ज्यादा था। ईपीएस योजना यानी कर्मचारी पेंशन स्कीम के मकसद से वेतन में मूल वेतन और महंगाई भत्ता (DA) को जोड़ा जाता है। इसके चलते अब बदले हुए नियमों के मुताबिक अगर किसी कर्मचारी का बेसिक पे यानी मूल वेतन और डीए मिला कर 15,000 रुपये प्रति महीने से ज्यादा का अमाउंट बनता है तो उसे अब ईपीएस EPS की पात्रता नहीं रहेगी।

 पेंशन योजना (ईपीएस) मुख्य रूप से कर्मचारी हितार्थ एक सामाजिक सुरक्षा योजना है। इसका संचालन कर्मचारी भविष्य निधि संगठन (EPFO) करता है। इस योजना में 58 वर्ष की आयु में उन कर्मचारियों को पेंशन मिलती है जो संगठित क्षेत्र में कार्यरत होते हैं। इस योजना का लाभ केवल उसे मिलता है जो कम से कम 10 वर्ष तक नौकरी कर चुका हो। खास बात यह है कि इसमें लगातार सेवा काल होना अनिवार्य नहीं है।

ईपीएस के इतने लाभ

योजना का सदस्य 58 साल की उम्र में रिटायर होने के बाद पेंशन लाभ के लिए पात्र हो जाता है। यदि कोई सदस्य 58 साल की उम्र से पहले 10 साल तक सेवा में नहीं रहा हो, तो वह फॉर्म 10 C भरकर 58 वर्ष की आयु होने पर पूरी राशि निकाल सकता है, मगर उसे रिटायरमेंट के बाद मासिक पेंशन नहीं मिलेगी। EPFO सदस्य जो स्थायी रूप से विकलांग हो जाए, तो उसे मासिक पेंशन मिलेगी, चाहे उसने जरूरी 10 साल नौकरी नहीं किया हो।

EPS से जुड़ने के लिए ये है पात्रता

– सबसे पहले आपको EPFO Member ईपीएफओ का सदस्य होना जरूरी है।

– आपकी नौकरी को कम से कम एक दशक यानी 10 साल पूरे होना जरूरी है।

– इसमें आयु सीमा 58 साल तक होना अनिवार्य है।

– यदि आपकी उम्र 50 साल है तो इस आयु सीमा तक आप कम दरों पर अपनी ईपीएस की राशि का आहरण कर सकते हैं।

– इस योजना में आप 60 वर्ष की आयु तक के लिए अपनी पेंशन को टाल भी सकते हैं। ऐसा करने के बाद आपको प्रति वर्ष 4 प्रतिशत की अतिरिक्त दर से पेंशन का भुगतान किया जाएगा।

ऐसे करें पेंशन का कैल्कुलेशन

सेवानिवृत्ति के बाद आपको EPS के तहत हर महीने कितनी पेंशन दी जाएगी, यह इस बात पर डिपेंड करता है कि पेंशन के योग्य आपकी वेतन राशि कितनी रही है। यह भी कि, आपने कुछ कितने वर्षों तक पेंशन पाने योग्य सेवाएं दी हैं। किसी भी PF पीएफ खाताधारक सदस्य की मंथली पेंशन राशि का कैलकुलेशन इस फार्मूले से किया जाता है। इसमें पेंशन = सैलरी X सेवा काल के वर्ष/70 के आधार पर किया जाता है। किसी भी PF खाताधारक की पेंशन योग्य सैलेरी उसके गत एक वर्ष यानी 12 माह के मासिक वेतन के एवरेज के बराबर होती है। इसी प्रकार, EPFO के सदस्य की वास्तविक सेवा अवधि ही उस कर्मचारी की पेंशन योग्य सेवा के तौर पर मानी जाती है। पेंशन के योग्य सर्विस टर्म की गणना के वक्त कई कंपनियों, नियोक्ताओं के पास की गई नौकरी की अवधि यानी सेवा काल को जोड़ा जाता है।


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