Maharashtra Govt Revised NPS Pension Scheme 2026: Get 50% Salary as Pension
Maharashtra government ne apne employees ke liye ek bahut bada faisla liya hai. Ab state government employees ke paas do options honge. Woh ya toh market-linked National Pension System (NPS) mein reh sakte hain, ya phir ek revised pension scheme chun sakte hain. Is revised scheme mein retirement ke baad last drawn salary ka 50% tak pension mil sakta hai.
Maharashtra Finance Department ne 6 May 2026 ko ek naya circular jaari kiya hai. Is circular mein bataya gaya hai ki jo employees pehle se NPS ke andar hain, unke liye yeh revised scheme optional hogi. Iska matlab hai ki employees apni marzi se ise chun sakte hain.
Maharashtra Revised NPS: Kise milegi 50% Pension?
Naye rules ke mutabik, pension ki rashi is baat par depend karegi ki employee ne kitne saal naukri ki hai. Agar kisi employee ne 20 saal ya usse zyada kaam kiya hai, toh use uski last salary ka 50% pension ke roop mein milega. Iske saath hi Dearness Allowance (DA) ka fayda bhi milega.
| Service Period | Pension Amount |
|---|---|
| 20 Years or More | 50% of Last Drawn Salary + DA |
| 10 to 20 Years | Proportionate Pension (Anupatik Pension) |
| Minimum Pension | Rs 7,500 per month (Minimum 10 years service required) |
Option chunne ki aakhri taarikh (Deadline)
Maharashtra government ne is scheme ko chunne ke liye ek samay seema (deadline) tay ki hai. Eligible employees ko 31 December 2026 tak apna option batana hoga. Jo employees is deadline tak apna option nahi chunenge, woh purane NPS rules ke hisaab se hi chalte rahenge.
Corpus Adjustment aur Annuity ke Rules
Revised scheme mein pension ki guarantee toh hai, lekin iske liye kuch financial rules bhi hain. Retirement ke waqt, employees ko apne kul NPS corpus (jo PFRDA se milta hai) ka 60% hissa government ke paas jama karna hoga. Baaki bacha 40% hissa annuity kharidne ke liye use karna hoga.
Is annuity se jo income hogi, use government dwara di jaane wali pension ke saath adjust kiya jayega. Iska matlab hai ki employees ko ek fixed pension dene ke liye unke jama paise ka istemal kiya jayega.
Partial Withdrawal aur Interest Rule
Agar kisi employee ne pehle apne NPS account se paise nikale (partial withdrawal) hain, toh unhe woh paisa wapas karna hoga. Revised scheme lene ke liye withdrawn amount ko 10% interest ke saath lautana hoga. Agar koi employee aisa nahi karta hai, toh uski pension rashi mein katauti (reduction) ki jayegi.
Family Pension aur Gratuity ke Fayde
Maharashtra Revised NPS scheme mein social security ka bhi dhyan rakha gaya hai. Isme family pension aur gratuity ke liye neeche diye gaye rules honge:
- Family Pension: Employee ki maut ke baad, parivar ko admissible pension ka 60% hissa milega, saath mein dearness relief bhi di jayegi.
- Retirement Gratuity: Gratuity ke fayde March 2023 mein jaari kiye gaye orders ke hisaab se milte rahenge.
Kaun hai is scheme ke liye Eligible?
Yeh scheme sabhi ke liye nahi hai. Iske kuch eligibility criteria hain:
- Jo employees resign (istifa) kar denge, unhe is revised scheme ka fayda nahi milega. Woh purane NPS mein hi rahenge.
- Jin employees ki service 10 saal se kam hai, woh bhi is revised pension structure ke liye eligible nahi honge.
Kin vibhago (Departments) par lagu honge naye rules?
Maharashtra government ne saaf kiya hai ki yeh rules sirf core government staff tak hi simit nahi hain. Yeh naye rules in par bhi lagu honge:
- Aided Educational Institutions ke employees.
- Agricultural Universities ka staff.
- Affiliated Non-government Colleges.
- Zilla Parishads aur Panchayat Samitis ke employees.
Maharashtra Revised NPS scheme ke aane se lakhon employees ko retirement ke baad ek nishchit (guaranteed) income ki umeed jagi hai. Employees ko ab market ke utaar-chadhau ke bajaye apni salary ke hisaab se pension mil sakegi.
FAQs
1. Maharashtra Revised NPS scheme mein kitni pension milegi?
Jin employees ne 20 saal ya usse zyada service ki hai, unhe last salary ka 50% pension milega. 10 se 20 saal ki service par proportionate pension milegi.
2. Is scheme ko chunne ki last date kya hai?
Eligible employees ko 31 December 2026 tak is revised scheme ko chunne ka option diya gaya hai.
3. Kya minimum pension ki koi limit hai?
Haan, kam se kam 10 saal ki service karne wale employees ko minimum Rs 7,500 per month ki pension milegi.
4. Agar pehle NPS se paise nikale hain toh kya hoga?
Agar aapne partial withdrawal kiya hai, toh revised scheme lene ke liye woh paisa 10% interest ke saath wapas jama karna hoga.
5. Kya resign karne wale employees ko fayda milega?
Nahi, jo employees naukri se resign kar denge, unhe is revised scheme ka labh nahi milega.