₹59,00,000 Tax-Free at Retirement? Pension Commutation EXPLAINED!
Автор: Finvision by Col Sandeep
Загружено: 2025-12-26
Просмотров: 4783
In this video, we explain the Commutation of Pension and its practicality for Defence personnel.
You’ll understand what commutation is, how much pension can be commuted, and why this decision feels confusing at retirement.
The discussion clearly breaks myths around loss vs gain, tax impact, and long-term financial sense. We take real-life examples of a Colonel retiring at age 54 and an officer opting for PMR at 40 years.
Using updated 2026 DA rates, the new tax regime, and official commutation factors, we calculate pensions, lump sums, and reduced incomes. You’ll see how a ₹55–59 lakhs tax-free corpus is generated and how break-even ROI makes commutation viable.
We cover key decision factors like taxation, DA growth, age, liabilities, family protection, and second career income. We explain why commutation can be a strong liquidity and wealth-building tool without impacting family pension.
#defencepensioners #armypension #indianarmy #veteranlife #defencefinance #personalfinance #retirementplanning #financialindependence #finvision #finvisionpodcast
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