{"id":26858,"date":"2026-06-04T18:31:49","date_gmt":"2026-06-04T18:31:49","guid":{"rendered":"https:\/\/bmfoundationindia.com\/?p=26858"},"modified":"2026-06-04T18:34:03","modified_gmt":"2026-06-04T18:34:03","slug":"%e0%a4%b8%e0%a5%81%e0%a4%a7%e0%a4%be%e0%a4%b0%e0%a5%80%e0%a4%a4-%e0%a4%b0%e0%a4%be%e0%a4%b7%e0%a5%8d%e0%a4%9f%e0%a5%8d%e0%a4%b0%e0%a5%80%e0%a4%af-%e0%a4%a8%e0%a4%bf%e0%a4%b5%e0%a5%83%e0%a4%a4%e0%a5%8d","status":"publish","type":"post","link":"https:\/\/bmfoundationindia.com\/?p=26858","title":{"rendered":"\u0938\u0941\u0927\u093e\u0930\u0940\u0924 \u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940\u0935\u0947\u0924\u0928 \u092f\u094b\u091c\u0928\u0947\u091a\u094d\u092f\u093e \u0905\u0902\u092e\u0932\u092c\u091c\u093e\u0935\u0923\u0940\u091a\u0940 \u0915\u093e\u0930\u094d\u092f\u092a\u0926\u094d\u0927\u0924\u0940"},"content":{"rendered":"<p>\u092e\u0939\u093e\u0930\u093e\u0937\u094d\u091f\u094d\u0930 \u0936\u093e\u0938\u0928\u093e\u091a\u094d\u092f\u093e \u0935\u093f\u0924\u094d\u0924 \u0935\u093f\u092d\u093e\u0917\u093e\u0928\u0947 \u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940\u0935\u0947\u0924\u0928 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 (NPS) \u0932\u093e\u0917\u0942 \u0905\u0938\u0932\u0947\u0932\u094d\u092f\u093e \u0915\u0930\u094d\u092e\u091a\u093e\u0931\u094d\u092f\u093e\u0902\u0938\u093e\u0920\u0940 &#8216;\u0938\u0941\u0927\u093e\u0930\u0940\u0924 \u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940\u0935\u0947\u0924\u0928 \u092f\u094b\u091c\u0928\u0947&#8217;\u091a\u094d\u092f\u093e \u0905\u0902\u092e\u0932\u092c\u091c\u093e\u0935\u0923\u0940\u092c\u093e\u092c\u0924 \u0928\u0935\u0940\u0928 \u0915\u093e\u0930\u094d\u092f\u092a\u0926\u094d\u0927\u0924\u0940 \u091c\u093e\u0939\u0940\u0930 \u0915\u0947\u0932\u0940 \u0906\u0939\u0947.<\/p>\n<p>\u200b\u092f\u094b\u091c\u0928\u0947\u091a\u0947 \u092e\u0941\u0916\u094d\u092f \u0924\u092a\u0936\u0940\u0932:<\/p>\n<p>\u200b\u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0906\u0923\u093f \u0935\u093f\u0915\u0932\u094d\u092a: \u091c\u094d\u092f\u093e \u0915\u0930\u094d\u092e\u091a\u093e\u0931\u094d\u092f\u093e\u0902\u0928\u0940 \u092f\u093e \u0938\u0941\u0927\u093e\u0930\u0940\u0924 \u092f\u094b\u091c\u0928\u0947\u091a\u093e \u0935\u093f\u0915\u0932\u094d\u092a (Option) \u0928\u093f\u0935\u0921\u0932\u093e \u0906\u0939\u0947, \u0924\u094d\u092f\u093e\u0902\u0928\u093e\u091a \u0939\u0940 \u092f\u094b\u091c\u0928\u093e \u0938\u0947\u0935\u093e\u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940\u0928\u0902\u0924\u0930 \u0932\u093e\u0917\u0942 \u0930\u093e\u0939\u0940\u0932.<\/p>\n<p>\u200b\u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940\u0935\u0947\u0924\u0928\u093e\u091a\u0947 \u0938\u094d\u0935\u0930\u0942\u092a:<\/p>\n<p>\u200b\u091c\u094d\u092f\u093e \u0915\u0930\u094d\u092e\u091a\u093e\u0931\u094d\u092f\u093e\u0902\u091a\u0940 \u0938\u0947\u0935\u093e \u0968\u0966 \u0935\u0930\u094d\u0937\u0947 \u0915\u093f\u0902\u0935\u093e \u0924\u094d\u092f\u093e\u092a\u0947\u0915\u094d\u0937\u093e \u0905\u0927\u093f\u0915 \u0906\u0939\u0947, \u0924\u094d\u092f\u093e\u0902\u0928\u093e \u0936\u0947\u0935\u091f\u091a\u094d\u092f\u093e \u0935\u0947\u0924\u0928\u093e\u091a\u094d\u092f\u093e \u096b\u0966% \u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940\u0935\u0947\u0924\u0928 \u0906\u0923\u093f \u0924\u094d\u092f\u093e\u0935\u0930\u0940\u0932 \u092e\u0939\u093e\u0917\u093e\u0908 \u0935\u093e\u0922 \u092e\u093f\u0933\u0947\u0932.<\/p>\n<p>\u200b\u0967\u0966 \u0935\u0930\u094d\u0937\u093e\u0902\u092a\u0947\u0915\u094d\u0937\u093e \u091c\u093e\u0938\u094d\u0924 \u092a\u0930\u0902\u0924\u0941 \u0968\u0966 \u0935\u0930\u094d\u0937\u093e\u0902\u092a\u0947\u0915\u094d\u0937\u093e \u0915\u092e\u0940 \u0938\u0947\u0935\u093e \u0905\u0938\u0932\u094d\u092f\u093e\u0938, \u0936\u0947\u0935\u091f\u091a\u094d\u092f\u093e \u0935\u0947\u0924\u0928\u093e\u091a\u094d\u092f\u093e \u0906\u0927\u093e\u0930\u0947 \u0938\u0947\u0935\u0947\u091a\u094d\u092f\u093e \u092a\u094d\u0930\u092e\u093e\u0923\u093e\u0924 \u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940\u0935\u0947\u0924\u0928 \u092e\u093f\u0933\u0947\u0932.<\/p>\n<p>\u200b\u0915\u093f\u092e\u093e\u0928 \u0967\u0966 \u0935\u0930\u094d\u0937\u093e\u0902\u091a\u0940 \u0938\u0947\u0935\u093e \u092a\u0942\u0930\u094d\u0923 \u0905\u0938\u0923\u0947 \u0906\u0935\u0936\u094d\u092f\u0915 \u0906\u0939\u0947; \u0967\u0966 \u0935\u0930\u094d\u0937\u093e\u0902\u092a\u0947\u0915\u094d\u0937\u093e \u0915\u092e\u0940 \u0938\u0947\u0935\u093e \u0905\u0938\u0932\u094d\u092f\u093e\u0938 \u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940\u0935\u0947\u0924\u0928 \u0905\u0928\u0941\u091c\u094d\u091e\u0947\u092f \u0930\u093e\u0939\u0923\u093e\u0930 \u0928\u093e\u0939\u0940.<\/p>\n<p>\u200b\u0915\u093f\u092e\u093e\u0928 \u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940\u0935\u0947\u0924\u0928 \u0930\u0941. \u096d,\u096b\u0966\u0966\/- \u0907\u0924\u0915\u0947 \u0905\u0938\u0947\u0932.<\/p>\n<p>\u200b\u0915\u0941\u091f\u0941\u0902\u092c \u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940\u0935\u0947\u0924\u0928: \u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940\u0935\u0947\u0924\u0928\u093e\u091a\u094d\u092f\u093e \u096c\u0966% \u0907\u0924\u0915\u0947 \u0915\u0941\u091f\u0941\u0902\u092c \u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940\u0935\u0947\u0924\u0928 \u0935 \u0924\u094d\u092f\u093e\u0935\u0930\u0940\u0932 \u092e\u0939\u093e\u0917\u093e\u0908 \u0935\u093e\u0922 \u0905\u0928\u0941\u091c\u094d\u091e\u0947\u092f \u0905\u0938\u0947\u0932.<\/p>\n<p>\u200b\u0928\u093f\u0927\u0940 \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e\u092a\u0928: \u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940\u091a\u094d\u092f\u093e \u0935\u0947\u0933\u0940 PFRDA \u0915\u0921\u0947 \u091c\u092e\u093e \u0905\u0938\u0932\u0947\u0932\u094d\u092f\u093e \u096c\u0966% \u0938\u0902\u091a\u093f\u0924 \u0928\u093f\u0927\u0940\u091a\u0940 \u0930\u0915\u094d\u0915\u092e \u0906\u0939\u0930\u0923 \u0935 \u0938\u0902\u0935\u093f\u0924\u0930\u0923 \u0905\u0927\u093f\u0915\u093e\u0931\u094d\u092f\u093e\u0902\u0915\u0921\u0947 \u091c\u092e\u093e \u0915\u0930\u0923\u0947 \u0906\u0935\u0936\u094d\u092f\u0915 \u0906\u0939\u0947.<\/p>\n<p>\u200b\u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940 (Annuity): \u0909\u0930\u094d\u0935\u0930\u093f\u0924 \u096a\u0966% \u0928\u093f\u0927\u0940\u0935\u0930 \u092e\u093f\u0933\u0923\u093e\u0931\u094d\u092f\u093e \u0935\u093e\u0930\u094d\u0937\u093f\u0915\u0940\u091a\u093e \u0924\u092a\u0936\u0940\u0932 \u0938\u093e\u0926\u0930 \u0915\u0930\u0923\u0947 \u092c\u0902\u0927\u0928\u0915\u093e\u0930\u0915 \u0906\u0939\u0947, \u091c\u094d\u092f\u093e\u091a\u0940 \u0935\u091c\u093e\u0935\u091f \u0930\u093e\u091c\u094d\u092f \u0936\u093e\u0938\u0928\u093e\u0915\u0921\u0942\u0928 \u092e\u093f\u0933\u0923\u093e\u0931\u094d\u092f\u093e \u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940\u0935\u0947\u0924\u0928\u093e\u0924\u0942\u0928 \u0915\u0947\u0932\u0940 \u091c\u093e\u0908\u0932.<\/p>\n<p>\u200b\u0907\u0924\u0930 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u093e\u091a\u0947:<\/p>\n<p>\u200b\u092f\u093e\u092a\u0942\u0930\u094d\u0935\u0940 \u0915\u093e\u0922\u0932\u0947\u0932\u0940 \u0915\u094b\u0923\u0924\u0940\u0939\u0940 \u0930\u0915\u094d\u0915\u092e \u0967\u0966% \u0935\u094d\u092f\u093e\u091c\u093e\u0938\u0939 \u092a\u0930\u0924 \u0915\u0930\u0923\u0947 \u0906\u0935\u0936\u094d\u092f\u0915 \u0906\u0939\u0947.<\/p>\n<p>\u200b\u0930\u093e\u091c\u0940\u0928\u093e\u092e\u093e \u0926\u093f\u0932\u0947\u0932\u094d\u092f\u093e \u0915\u0930\u094d\u092e\u091a\u093e\u0931\u094d\u092f\u093e\u0902\u0928\u093e \u092f\u093e \u092f\u094b\u091c\u0928\u0947\u091a\u093e \u0932\u093e\u092d \u092e\u093f\u0933\u0923\u093e\u0930 \u0928\u093e\u0939\u0940.<\/p>\n<p>\u200b\u0938\u0947\u0935\u093e\u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940 \u0909\u092a\u0926\u093e\u0928 (Gratuity) \u0932\u093e\u0917\u0942 \u0930\u093e\u0939\u0940\u0932.<\/p>\n<p>\u200b\u0915\u094b\u0923\u093e\u0938 \u0932\u093e\u0917\u0942 \u0906\u0939\u0947?<\/p>\n<p>\u0939\u093e \u0928\u093f\u0930\u094d\u0923\u092f \u0930\u093e\u091c\u094d\u092f \u0936\u093e\u0938\u0915\u0940\u092f \u0905\u0927\u093f\u0915\u093e\u0930\u0940\/\u0915\u0930\u094d\u092e\u091a\u093e\u0931\u094d\u092f\u093e\u0902\u0938\u0939, \u092e\u093e\u0928\u094d\u092f\u0924\u093e\u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0936\u0948\u0915\u094d\u0937\u0923\u093f\u0915 \u0938\u0902\u0938\u094d\u0925\u093e, \u0915\u0943\u0937\u093f\u0924\u094d\u0924\u0930 \u0935\u093f\u0926\u094d\u092f\u093e\u092a\u0940\u0920\u0947, \u0905\u0928\u0941\u0926\u093e\u0928\u093f\u0924 \u0905\u0936\u093e\u0938\u0915\u0940\u092f \u092e\u0939\u093e\u0935\u093f\u0926\u094d\u092f\u093e\u0932\u092f\u0947, \u0915\u0943\u0937\u0940 \u0935\u093f\u0926\u094d\u092f\u093e\u092a\u0940\u0920\u0947 \u0906\u0923\u093f \u091c\u093f\u0932\u094d\u0939\u093e \u092a\u0930\u093f\u0937\u0926\u0947\u0924\u0940\u0932 \u092a\u093e\u0924\u094d\u0930 \u0915\u0930\u094d\u092e\u091a\u093e\u0931\u094d\u092f\u093e\u0902\u0928\u093e \u0932\u093e\u0917\u0942 \u0906\u0939\u0947.<\/p>\n<ol>\n<li>\u200b\u0905\u0927\u093f\u0915 \u092e\u093e\u0939\u093f\u0924\u0940\u0938\u093e\u0920\u0940 \u0906\u0923\u093f \u0938\u0935\u093f\u0938\u094d\u0924\u0930 \u0936\u093e\u0938\u0928 \u092a\u0930\u093f\u092a\u0924\u094d\u0930\u0915 \u092a\u093e\u0939\u0923\u094d\u092f\u093e\u0938\u093e\u0920\u0940 <a href=\"http:\/\/www.maharashtra.gov.in\">www.maharashtra.gov.in<\/a> \u092f\u093e \u0938\u0902\u0915\u0947\u0924\u0938\u094d\u0925\u0933\u093e\u0932\u093e \u092d\u0947\u091f \u0926\u094d\u092f\u093e (\u0938\u0902\u0915\u0947\u0924\u093e\u0902\u0915: \u0968\u0966\u0968\u096c\u0966\u096b\u0966\u096c\u0967\u0967\u0967\u096a\u0967\u096f\u096e\u096f\u0966\u096b).<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>\u092e\u0939\u093e\u0930\u093e\u0937\u094d\u091f\u094d\u0930 \u0936\u093e\u0938\u0928\u093e\u091a\u094d\u092f\u093e \u0935\u093f\u0924\u094d\u0924 \u0935\u093f\u092d\u093e\u0917\u093e\u0928\u0947 \u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940\u0935\u0947\u0924\u0928 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 (NPS) \u0932\u093e\u0917\u0942 \u0905\u0938\u0932\u0947\u0932\u094d\u092f\u093e \u0915\u0930\u094d\u092e\u091a\u093e\u0931\u094d\u092f\u093e\u0902\u0938\u093e\u0920\u0940 &#8216;\u0938\u0941\u0927\u093e\u0930\u0940\u0924 \u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940\u0935\u0947\u0924\u0928 \u092f\u094b\u091c\u0928\u0947&#8217;\u091a\u094d\u092f\u093e \u0905\u0902\u092e\u0932\u092c\u091c\u093e\u0935\u0923\u0940\u092c\u093e\u092c\u0924 \u0928\u0935\u0940\u0928 \u0915\u093e\u0930\u094d\u092f\u092a\u0926\u094d\u0927\u0924\u0940 \u091c\u093e\u0939\u0940\u0930 \u0915\u0947\u0932\u0940 \u0906\u0939\u0947. \u200b\u092f\u094b\u091c\u0928\u0947\u091a\u0947 \u092e\u0941\u0916\u094d\u092f \u0924\u092a\u0936\u0940\u0932: \u200b\u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0906\u0923\u093f \u0935\u093f\u0915\u0932\u094d\u092a: \u091c\u094d\u092f\u093e \u0915\u0930\u094d\u092e\u091a\u093e\u0931\u094d\u092f\u093e\u0902\u0928\u0940 \u092f\u093e \u0938\u0941\u0927\u093e\u0930\u0940\u0924 \u092f\u094b\u091c\u0928\u0947\u091a\u093e \u0935\u093f\u0915\u0932\u094d\u092a (Option) \u0928\u093f\u0935\u0921\u0932\u093e \u0906\u0939\u0947, \u0924\u094d\u092f\u093e\u0902\u0928\u093e\u091a \u0939\u0940 \u092f\u094b\u091c\u0928\u093e \u0938\u0947\u0935\u093e\u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940\u0928\u0902\u0924\u0930 \u0932\u093e\u0917\u0942 \u0930\u093e\u0939\u0940\u0932. \u200b\u0928\u093f\u0935\u0943\u0924\u094d\u0924\u0940\u0935\u0947\u0924\u0928\u093e\u091a\u0947 \u0938\u094d\u0935\u0930\u0942\u092a: \u200b\u091c\u094d\u092f\u093e \u0915\u0930\u094d\u092e\u091a\u093e\u0931\u094d\u092f\u093e\u0902\u091a\u0940 \u0938\u0947\u0935\u093e \u0968\u0966 \u0935\u0930\u094d\u0937\u0947 \u0915\u093f\u0902\u0935\u093e \u0924\u094d\u092f\u093e\u092a\u0947\u0915\u094d\u0937\u093e \u0905\u0927\u093f\u0915 \u0906\u0939\u0947, \u0924\u094d\u092f\u093e\u0902\u0928\u093e \u0936\u0947\u0935\u091f\u091a\u094d\u092f\u093e 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