txhawm rau xam tus nqi commuted, siv tus qauv PV=FV/ (1 + k)^n. Hauv cov qauv no, "PV" yog sib npaug rau koj tus nqi nyiaj laus. "FV," lossis tus nqi yav tom ntej, yog tag nrho ntawm koj cov nyiaj laus uas koj xav tias yuav them rau yav tom ntej.
Tus qauv ntawm kev hloov pauv nyiaj laus yog dab tsi?
Lub rooj sib hloov raws li Govt tau sau tseg. wb e.f. 1.3. 1971 tseem ua haujlwm. Formula for work out Commuted Value of pension =Tus nqi ntawm cov nyiaj laus yuav commuted X 12 X yuav nqi rau hnub yug tom ntej.
Yam piv txwv piv txwv nyiaj laus yog dab tsi?
Cov nyiaj laus tau txais ua ntej hu ua commuted pension. Piv txwv li, thaum muaj hnub nyoog 60 xyoo, koj txiav txim siab tau txais 10% ntawm koj cov nyiaj laus ib hlis ua ntej rau 10 xyoo tom ntej muaj nqis Rs 10, 000. Qhov no yuav them rau koj raws li cov nyiaj tau los. Yog li ntawd, 10% ntawm Rs 10000x12x10=Rs 1, 20, 000 yog koj cov nyiaj laus laus.
Yuav ua li cas xam tus nqi sib pauv?
CVP=40 % x Commutation factor x 12
commutation factor yuav suav nrog hnub nyoog Hnub yug tom ntej nyob rau hnub uas kev sib hloov yuav dhau los ua qhov tseeb raws li Tsab Ntawv Tshiab tau txuas ntxiv rau CCS (Commutation of Pension) Txoj Cai, 1981.
Tus nqi commuted ntawm nyiaj laus yog dab tsi?
Thaum lub sijhawm so haujlwm, yog tias tus neeg ua haujlwm xaiv rau kev hloov pauv ntawm cov nyiaj laus, ib pob nyiaj tus nqi them rau tus neeg laus thaum nyob ntawm qhov nyiaj tshuav tusnyiaj laus pib. Hauv cov ntsiab lus yooj yim, commutation txhais tau hais tias ib qho nyiaj them poob haujlwm nyob rau ntawm kev them nyiaj rau lub sijhawm ntawm nyiaj laus.
