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🎯 NPS vs UPS 🔥 Real Pension Comparison for Indian Railways Technician (2005 Batch)‪@YuvaSarkariSathi‬
📊 Which scheme gives more pension? Let’s find out with real numbers!

Are you confused between NPS – National Pension Scheme and the newly introduced Unified Pension Scheme (UPS)? Wondering which one ensures a better monthly pension after retirement?

In this video, we bring you a realistic, number-based pension projection for a Technician in Indian Railways, appointed in 2005, with 35 years of total service by retirement. We compare monthly pension outcomes under both NPS and UPS, using actual calculations based on current pay levels, interest rates, and government policies.

📋 Section 1: Employee Profile
👨‍🔧 Role: Technician – Indian Railways

💼 Pay Level: 5 (Grade Pay ₹2,400)

💰 Basic Pay: ₹39,200

📆 Year of Appointment: 2005

📈 Expected ROI: 9% per annum

🔁 DA Growth: 4% per annum

💼 Service: 35 years

🪙 Current NPS Corpus: ₹25 Lakhs

📌 NPS Projection – Real Numbers
Projected Retirement Corpus: ₹1.675 Crores

👉 40% Annuity Purchase: ₹67 Lakhs → Pension @ 5% = ₹27,900/month

👉 60% as FD (₹1 Crore @ 8%) = ₹66,666/month

🧮 Total Monthly Pension under NPS = ₹94,566

📌 UPS Projection
Case 1 – No Withdrawal
Projected Corpus: ₹1.554 Crores

Monthly Assured Pension: ₹63,000

Lump Sum Benefit: ₹6.5 Lakhs
GRATUITY: 25 LAKHS
✅ Fixed and Predictable Monthly Income

Case 2 – With 60% Withdrawal
Withdrawal: ₹93 Lakhs

Remaining Pension: ₹25,200/month

FD Return on ₹90 Lakhs @ 8% = ₹66,666/month

🧮 Total Monthly Pension = ₹91,800
GRATUITY: 25 LAKHS
🧐 Conclusion:
✔️ NPS gives ₹94,566/month with flexibility and higher employer contribution
✔️ UPS offers ₹63,000/month (fixed) in Case 1 or ₹91,800/month in Case 2 with FD
🔍 UPS provides more stability, while NPS allows greater control and potential returns.

📢 Which pension scheme do YOU think is better – NPS or UPS?
💬 Comment below and join the discussion!

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