Old Pension Scheme (OPS) ek guaranteed retirement benefit plan hai jo sarkaari karmachariyon ko retire hone ke baad ek nishchit (fixed) pension deta hai. Yeh ek Defined Benefit scheme hai jisme pension ki raashi last salary ke aadhar par fix hoti thi — generally last drawn salary ka 50%.

Iska matlab yeh hai ki agar kisi employee ki last salary ₹50,000 thi, toh unhe retire hone ke baad ₹25,000 per month pension milegi — zindagi bhar, aur unke baad unki family ko bhi (Family Pension ke roop mein). “Jharkhand Old Pension Scheme”

📜 OPS Ka Itihas — Kab Khatam Hua?

1 January 2004 ko Central Government ne OPS ko band kar diya aur uski jagah National Pension System (NPS) lagu kar diya, jo ek contributory scheme hai — yani usme employee ko apni salary se bhi contribution karna padta hai.

NPS mein pension market-linked hoti hai, iska matlab pension ki raashi share market ke performance par depend karti hai — jo sarkaari karmachariyon ke liye uncertainty paida karta hai.

🔄 Jharkhand Mein OPS Ki Wapsi Kab Hui?

Jharkhand mein Old Pension Scheme 1 September 2022 se dobara lagu ho gayi. State cabinet ne usi din OPS ke liye Standard Operating Procedure (SOP) ko approve kiya. Isse pehle, 15 July 2022 ki cabinet meeting mein yeh faisla liya gaya tha ki NPS hatake OPS wapas layi jayegi.

Jharkhand OPS restore karne wale un paanch raajyon mein se ek ban gaya jinhone yeh bold kadam uthaya.

🗺️ Kaun-Kaun Se Rajya Ne OPS Wapas Laaya?

Paanch rajyon — Rajasthan, Chhattisgarh, Jharkhand, Punjab aur Himachal Pradesh — ne officially PFRDA (Pension Fund Regulatory and Development Authority) ko apna decision communicate kiya ki woh state government employees ke liye OPS par wapas aana chahte hain.

👨‍💼 Jharkhand OPS Se Kise Fayda Hoga?

Jharkhand mein 1.62 lakh se zyada sarkaari karmachaari aur pensioner OPS se labhanvit ho rahe hain. Yeh ek badi rahat hai unke liye jo apni salary se pension contribution nahi karna chahte the.

💰 OPS Ke Mukhya Fayde (Key Benefits)

Feature	OPS (Old Pension)	NPS (New Pension)
Pension Amount	Last salary ka 50%	Market par depend
Employee Contribution	❌ Nahi	✅ Haan (10% salary)
Guarantee	✅ Guaranteed	❌ Guaranteed nahi
Family Pension	✅ Milti hai	Simit suvidha
DA (Dearness Allowance)	✅ Milta hai	Nahi milta
Lifetime Pension	✅ Haan	Market linked

OPS ke important fayde yeh hain:

Defined Benefit: Pension poori tarah fix aur guaranteed hoti hai
Lifetime Pension: Jab tak jiye, pension milti rahegi
Market Risk Nahi: Stock market ke utaar-chadhaav ka koi asar nahi
Recruitment ke liye attractive: Government service mein aane aur rukne ki prerna milti hai

📊 Jharkhand Budget Mein OPS Ko Kितna Paisa Mila?

Jharkhand sarkar ne OPS ke liye ek dedicated Pension Fund banaya hai aur har saal allocation badha rahi hai:

2023-24: ₹700 crore
2024-25: ₹780 crore
2025-26: ₹832 crore (proposed)

Finance Minister Radhakrishna Kishore ne budget presentation mein kaha ki sarkar retired employees ke liye financial risks kam karne ke liye committed hai. Is Pension Fund ka uddeshya yeh hai ki mushkil arthik halaton mein bhi pensioners ko samay par pension milti rahe.

🧾 OPS Ki Eligibility — Kaun Apply Kar Sakta Hai?

OPS ke liye 31 December 2003 se pehle service join karne wale employees default roop se eligible hain. Naye niyamon ke anusaar, full pension ke liye qualifying service years 20 saal se ghatake 10 saal kar diye gaye hain.

Jharkhand mein specifically:

Woh sarkaari karmachaari jo NPS ke aane se pehle join kiye the aur OPS ke antargat aate the
Woh jo 1 September 2022 ya uske baad retire ho rahe hain
Jo NPS se OPS mein switch karna chahte hain (migration process ke zariye)

🔄 NPS Se OPS Mein Switch Kaise Karein?

Ek structured migration process eligible employees ke liye available hogi. Iske liye zaruri documents mein shamil hain:

Service Joining Date Proof
Salary Slips
PF Records

Jo employees NPS ke under already retire ho chuke hain, woh retrospective benefits ke liye eligible nahi ho sakte.

⚠️ OPS Ki Aaloochna — Kya Kehte Hain Experts?

Finance Secretary T.V. Somanathan ne states ko OPS wapas laane se khabardar kiya aur kaha ki “Yeh ek aise case ka udaharan hai jahan aaj paisa bachate hue aane wali peedhiyon ke liye badi mushkilein paida ki ja rahi hain.”

RBI ne bhi apni 2022 report mein kaha ki OPS wapas laana medium-term fiscal sustainability ke liye badi risk hai. Jab 2004-2005 mein join karne wale employees 2034 ke baad retire hone lagenye, tab state finances par bada bojh padega.

Yani short mein:

Employees ke liye: OPS bahut achha hai ✅
Sarkar ke khajane ke liye: Bhavishya mein bada financial burden ⚠️

🌐 Jharkhand Universal Pension Scheme — Alag Scheme Hai!

OPS (Sarkaari Karmachariyon ke liye) se bilkul alag ek aur scheme hai —

Jharkhand sarkar ki Universal Pension Scheme 2025 ke antargat senior citizens (60+ umar), vidhwaaon (18+) aur divyang vyaktiyon ko ₹1,000 per month diya jaata hai. Yeh rashi har mahine 5 tarikh se pehle unke bank account mein credit ki jaati hai.

Is scheme ke antargat exclusion criteria mein woh log shamil hain jo Income Tax bhar te hain, ya jinke parivaar mein koi Central/State/PSU ka permanent employee ho.

Official Links – Jharkhand Old Pension Scheme (OPS)

Jharkhand Government Official Portal:
Jharkhand Government Official Website
Finance Department, Jharkhand:
Jharkhand Finance Department
Jharkhand Gazette / Notifications Portal:
Jharkhand Gazette Notifications
OPS / NPS Related Employee Notifications:
JHAROTEF OPS Notifications
Jharkhand State Portal Services:
Jharsewa Portal
Official Jharkhand Cabinet & Government Updates:
Jharkhand Cabinet Secretariat

FAQs – Jharkhand Old Pension Scheme (OPS) 2026

Q1. Jharkhand Old Pension Scheme (OPS) kya hai?

OPS ek guaranteed pension scheme hai jisme retire hone ke baad sarkaari karmachariyon ko unki last drawn salary ka lagbhag 50% pension ke roop mein diya jaata hai. Ismein pension fixed hoti hai aur market risk nahi hota.

Q2. Jharkhand mein OPS kab se dobara lagu hui?

Jharkhand sarkar ne 1 September 2022 se Old Pension Scheme ko dobara lagu kiya tha. Iske liye state cabinet ne SOP bhi approve ki thi.

Q3. OPS aur NPS mein sabse bada difference kya hai?

OPS mein pension guaranteed hoti hai aur employee ko contribution nahi dena padta.
NPS mein employee ko salary ka hissa contribute karna padta hai aur pension market performance par depend karti hai.

Q4. Kya OPS mein pension lifetime milti hai?

Haan, OPS ke tahat retire employee ko lifetime pension milti hai. Employee ki death ke baad family pension ki suvidha bhi di jaati hai.

Q5. Jharkhand OPS ka fayda kin employees ko milega?

Yeh scheme mainly un sarkaari karmachariyon ke liye hai jo OPS eligibility conditions ko fulfill karte hain aur state government service mein kaam kar rahe hain.

Q6. Kya NPS se OPS mein switch kiya ja sakta hai?

Haan, eligible employees ke liye migration process available ho sakta hai. Iske liye joining date proof, salary slips aur service records jaise documents ki zaroorat pad sakti hai.

Q7. OPS mein employee contribution dena padta hai?

Nahi. OPS mein employee ko alag se pension contribution nahi dena hota.

Q8. Kya OPS mein DA (Dearness Allowance) bhi milta hai?

Haan, OPS pensioners ko Dearness Allowance (DA) ka benefit bhi diya jaata hai, jo samay-samay par badhta rehta hai.

Q9. Jharkhand sarkar ne OPS ke liye alag Pension Fund banaya hai?

Haan, Jharkhand government ne OPS ke liye dedicated Pension Fund banaya hai aur har budget mein uske liye allocation badhaya ja raha hai.

Q10. Kya OPS private employees ke liye bhi available hai?

Nahi. Jharkhand Old Pension Scheme sirf sarkaari karmachariyon ke liye hai. Private sector employees is scheme ka labh nahi le sakte.

Q11. Kya OPS mein family pension ki suvidha hai?

Haan, employee ki death ke baad unke eligible family members ko family pension mil sakti hai.

Q12. OPS ko lekar experts kya kehte hain?

Employees aur unions OPS ko secure retirement ke liye achha maante hain, lekin kai financial experts aur RBI ne ise future mein state finances par burden bataya hai.

Q13. Jharkhand Universal Pension Scheme aur OPS mein kya difference hai?

OPS sarkaari karmachariyon ke liye retirement pension scheme hai, jabki Universal Pension Scheme senior citizens, widows aur divyang logon ke liye social welfare pension scheme hai.

Q14. Kya OPS mein pension amount fixed hota hai?

Haan, OPS mein pension predefined formula ke hisaab se calculate hoti hai aur generally last salary ke percentage par based hoti hai.

Q15. OPS employees ke liye zyada popular kyu hai?

Kyuki ismein guaranteed pension, family pension, DA benefit aur market risk-free retirement security milti hai.

📝 Conclusion (Nishkarsh)

Jharkhand Old Pension Scheme lakho sarkaari karmachariyon ke liye ek badi jeet hai. Yeh scheme unhe guaranteed, market-independent aur dignified retirement deti hai. Sarkar ne Pension Fund mein lagaataar investment badhake yeh clear kar diya hai ki OPS sirf ek promise nahi, balki ek long-term commitment hai.

Haan, OPS se bhavishya mein sarkaari kharcha badhega — lekin employee unions aur karmacharion ka maanna hai ki “Swasth aur surakshit retirement” ek basic adhikar hai, na ki koi suvidha.

Jharkhand Labour Card Online Apply 2026: Poori Process, Eligibility aur Benefits

Rishabh Kumar

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