Living Abroad

Pravasi Pension Scheme: NRKs ke liye Jald se Jald Jaankari

Karthik Rajakumar

10.02.26

Read time 3 minutes

Pravasi Pension Scheme kya hai?

Pravasi Pension Scheme Kerala sarkar dwara Kerala ke un nagrikon ke liye banaya gaya ek retirement program hai jo rozgar ke liye rajya se bahar rehte hain. Yeh Bharat mein apni tarah ka pehla scheme hai aur yeh khaas taur par Non-Resident Keralites ke liye design kiya gaya hai jo retirement mein Kerala laut kar basna chahte hain.

Yeh scheme madhyam aur kam aamdani wale wapas lautne wale Keralites par focus karke banaya gaya tha, taki unhe retirement mein stability aur security mil sake. Anya pension programs ki tarah, approved member kaam karte hue general pension account mein contribute karta hai, aur phir retire hone par pension paata hai.

Ek baar jab aap Pravasi Pension Scheme mein member ban jate hain, to aapse expect kiya jata hai ki aap monthly contribution karein. Aapko kitna contribute karna hai, yeh aapke NRK, ya Non-Resident Keralite category par depend karega, jiske baare mein hum aage baat karenge.

Pension retirement mein kam se kam ₹2,000 mahina deta hai.

Dhyan rakhein ki aap kaam karte hue har mahine pension mein lagatar contribute karte rahein. Agar aap 12 mahine se zyada samay tak contribution nahi karte hain, to aapka account cancel ho jayega. Missed payments ko repay karke ise renew kiya ja sakta hai.¹

Ab hum dekhte hain ki kaun eligible hai aur NRK ke roop mein kaise qualify karein.

Pravasi Pension ke liye kaun eligible hai?

Pravasi Pension ke liye qualify karne ke liye, aapki umar pehle 18-60 saal ke beech honi chahiye. Iske alawa, aapko nimnalikhit mein se ek qualify karna hoga:

Bharat se bahar kaam karne wale Non-Resident Keralite
Woh Keralite jo kam se kam 2 saal videsh mein naukri karne ke baad haal hi mein sthayi roop se Kerala laut aaye hain
Woh Non-Resident Keralite jo Bharat ke kisi dusre rajya mein kam se kam 6 mahine se kaam kar rahe hain, aur Kerala mein nahi

Pravasi Pension ke liye application submit karte samay aapko ₹200 ki registration fee bhi deni hogi qualify karne ke liye. Registration fee ke bina, aapki application process nahi ho sakti.

Agar aapki umar 55-60 saal ke beech hai, to aap Pravasi Pension shuru kar sakte hain, lekin pension milne se pehle aapko kam se kam 5 saal tak contribute karna hoga.²

Pravasi Welfare Fund ke benefits kya hain?

Pravasi Welfare Fund ka sabse bada fayda un logo ke liye hai jinhone fund ko safaltapoorvak hold kiya hai, unhe retirement mein mahine ka kam se kam ₹2,000 milta hai. Yeh ek consistent, safe, aur steady income stream hai jo aapki budhape mein madad karegi.

Aur agar aap 5 saal se zyada account hold karte hain aur lagatar contribute kiya hai, to aapki pension ki rashi 3% badh jayegi.

Education grants, maternity, shaadi ke liye sahayata, aur Pravasi Pension scheme ke tahat kaam karne mein asamarth hone ki sthiti mein additional schemes aur benefits uplabdh hain. ³

Kerala mein Pravasi Pension kitni hai?

2 main payments hain. Pehla, ₹200 ki registration fee hai, aur phir pension mein pay karne ke liye monthly amounts hain.

Pravasi Pension fund karne ke liye required monthly contributions yahan di gayi hain:⁴

Non-Resident Keralite ka type	Required minimum monthly contribution
NRK - Bharat se bahar	₹300
NRK - Videsh se lautne wale	₹100
NRK - Bharat mein Kerala se bahar	₹100

Pension income ka fayda uthane ke liye aapko kam se kam 5 saal tak pension mein contribute karna hoga.

Pravasi Pension Scheme Registration Online

Aap pension scheme ke liye online ya local bank mein documents ke saath apply kar sakte hain.

Online apply karne ke liye steps yahan diye gaye hain:

Pravasi Kerala Website par jayein
Left side menu mein Services par click karein
Niche Online Apply tak scroll karein, yeh ek naya window khulega
New Registration par click karein
NRK agreement ko accept aur submit karein
Online application submit karne ke liye prompts follow karein

Apni application mein dhyan dein ki aap jis NRK category ke liye apply kar rahe hain, uske liye sahi box check karein:

Non-Resident Keralite ka type	Category
NRK - Bharat se bahar	1A
NRK - Videsh se lautne wale	1B
NRK - Bharat mein Kerala se bahar	2A

Aap forms download karke unhe participating bank branch mein bhi submit kar sakte hain:

Non-Resident Keralite ka type
NRK - Bharat se bahar 1A
NRK - Videsh se lautne wale 1B
NRK - Bharat mein Kerala se bahar 2A

Pravasi Kerala ki forms ke liye webpage par pension ke liye additional benefit forms ya services hain.⁵

Main apna Pravasi Welfare Fund kaise pay karu?

Pravasi Welfare Fund pay karne ke 2 main tareeke hain:

Online
Local participating bank mein

Online payments Pravasi Kerala portal ke through kiye ja sakte hain. Log-in screen par, payments karne ke liye Quick Payment button hai. Apne membership number ko saath rakhna na bhulein.

Sabhi payments Kerala Non-Resident/Keralites Welfare Board account mein jayenge. Agar aap chahte hain ki aap registration aur payments in person karein, to participating banks jahan aap ja sakte hain, woh hain:

South Indian Bank
Canara Bank
Indian Bank
Syndicate Bank
Catholic Syrian Bank
State Bank of India
Bank of Baroda
Indian Overseas Bank

Kisi bhi bank mein jaane se pehle, aap Pravasi Kerala website se registration aur contribution forms download kar sakte hain. Har ek form aapko aur bank mein fill karna hoga.⁶

Main apna Pravasi Pension status kaise check karu?

Aap Pravasi Kerala website portal par apni application ka status check kar sakte hain. Apne account ko dekhne ke liye application ya passport number ko saath rakhein.

Sources:

Sabhi sources 16 February, 2022 tak check ki gayi hain.

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