Synod Chiahpuam Chu Hei Le

Tun hnaiah Mizoram Presbyterian Kohhran hnuaia thawkte hamthatna leh pension pawisa (Pension & Provident fund) peipun dana thil felhlel leh chumia Synod hruaitu lawkte inhnamhnawih dan nia sawi te'n sawi a hlawh hle. Synod hruaitute'n insawifiahna puangzar mah se Kohhran mite thawhlawm tlingkhawm hi sum tam tak peipunna atan hmang an lo awm ngei niin a lang a, hemi chungchang hi 'Synod Chiahpuam' tia sawi a ni ta hial mai.


Tunhma pawhin Mizoram Presbyterian Kohhran sum chingpen hi sawi tur a lo awm zauh zauh tawh a, mahse mi puitling tak takte leh rawngbawltute awm khawmna a nih bakah mi dang inrawlh ve a rem chiah loh vang te, Kohhran hruaitute'n ngawih an chuh thin avang te leh thil dang dang vangin a tlangthang ngai meuh lo zawk a ni.

Tun tuma Synod Pension & Provident pawisa tlingkhawm (fund) an peipun dan buarchuar tak leh ngaihthat thlak loh tak mai pawh hi a tirah chuan sawi sep sep chauh a ni a, mahse, a sum hrawm hi a lian tham bawk a, tunah chuan an sawi sup sup ta a nih hi. Mipuiin rinhlelhna lian tak an neih lai leh Kohhran hruaitu leh rawngbawltute zingah ngei pawh ngaihthat lohna lian tak a awm mek laia synod hruaituten thil fel lo engmah a awm lo nia an puangzar te hlei hlei hi mi tam tak rinhlelhna tizualtu a ni awm e.

A Bulbal atangin..
Synod hi sorkar pate ang thaw thanga a lian ti hiala sawi thin a ni a, hnathawktu (Pastor, minister, office staff, ramthar, etc.) pawh an thahnem hle. Heng mi rawihte tana hamthatna tur ruahmanna Employees' Provident Fund Scheme hi kum 1946 atang tawh khan siam a ni. A khat tawka ennawn leh siamthat zeuh zeuh a ni. Synod Pension Dan, 1998 pawh kha sorkar nena indawrna thilah siamthat ngai a awm avangin enthat leh niin a hnuah Synod (khawmpui) 2002 chuan a pawm ta a ni.

Pension Dan bu ang hian Mizoram Presbyterian Kohhran Synod hnuaia thawkte pension sum enkawltu bik Board din a ni a, chu chu Synod Pension & Provident Fund Board of Trustees (PPF Board) tih a ni. Board member-te hi thla thum danah vawi khat tal inhmukhawm thin tura tih niin pension sum enkawl chungchangah chuan thuneihna thui tak an nei. Kum tin report leh sum dinhmun tihlanna Board-in a pawm tawh chu Synod-ah thlen tur a ni a, report-ah chuan kum hnih kal ta chhunga Trust-a sum lut zat te, Fund a sum dah luh tawn zawng zawngte, kum khat chhunga sum peipun zat te, sum endik tawh te, Auditor-ten an report-a an ziak Board-in a hrilhfiahna leh tihdikna te leh thil dangte tihlan tur a ni bawk.

Synod Pension Dan,1998 (Kum 2002 Synod Khawmpuiin a pawm tak) Bung IV. A (4)-ah chuan pension & provident pawisa tlingkhawm peipun dan tiang hian a inziak a - 'Pawisa chu Central/State Sorkar-in a pawm Scheduled Bank-ah dah zel tur a ni a. Sorkar laipuiin Indian Trust Act,1882, Section 20-a Clause (a) atanga (d)-a sorkar sum dahna him a tihah chauh pung nei tur emaw, Employees' Provident Fund Scheme, 1952-in pawisa peipun dan hmang a ziak angin dah zel tur a ni' tiin.

Tun hma chuan he pension & provident sum hi state bank-ah pung awma dah a ni. Mahse, sorkar laipuiin provident fund dah punna (interest) rate a tihhniam avangin Synod-in harsatna a tawk ta a, tichuan kum 2000 tawp lamah khan pawisa peipunna (mutual fund) pakhat Unit Trust of India (UTI) a dah an rel a, an dah zui ta a ni.

UTI-a pawisa an dah chhan hi a pung (interest) a tam vang liau liauin him tawka an ngaih bawk avang a nih thu PPF Board meeting vawi 126:9 (17.10.2000) leh meeting vawi 127:2 (24.11.2000) a lang. Mizorama pawisa khelhna chi hrang hrang leh lottery a lar hluai lai khan Synod-in Kohhran mite tan thuchhuah a siam a, pawisa hmanga inthapna leh hlawk thut duhna laka inthiar fihlim tura a tih laia, hetia pawisa peipunna hmuna hlawk duh vang liau liaua Kohhran pawisa an dah ve ngawt mai hi mi thenkhat chuan an sawi duh viau tawh nghe nghe a nih kha.

Hei mai hi duh tawk loin hlawk zawka sum peipunna an ngaihtuah chho ta zel a. Mizorama inbun insurance company hrang hrangah pension pawisa tlingkhawm chu an dah ta zel a. Synod Pension Dan,1998 in chiang taka scheduled bank emaw Indian Trust Act,1882 in a him a tihah chauh dah tur tih chu PPF Board hian bawhchhiain insurance company hrang hrangah an dah ta thluah mai a nih chu.

Pension Sum Audit Report leh chiahpuam chu!
Sorkar hnathawkte ang thoin synod-a thawkte hian hamthatna leh pension (Pension & Provident fund) an nei ve thlap a, an thlatin hlawh atanga an thawhkhawm (cut sak) leh a ruaitu (synod)in an thawh pawisa tlingkhawm chu Pension & Provident Fund chu a lo ni ta a. He pawisa tlingkhawm hi a chunga kan sawi angin Board of Trustees (PPF Board) in an enkawl a. A enkawltute hian an thuneihna an hmang thiam hle a, Dan-in a phalsak bak thleng thlengin an hmang a ni.

Board of Trustees-ah hian chairman chu Synod Moderator Rev. H. Lalchhanhima a ni a, Secretary chu Lalhunliana Ralte a ni a, Treasurer Upa F. Lalsangliana a ni. Moderator hi chu hna dang pawimawh a ngah a, committee/board dangah chairman a ni zel bawk nen, pension pawisa chungchangah hian thui tak a hre lo niin a lang. Dan buin a sawi angin Secretary leh Treasurer-te hi bank-a sum dahluh leh lakchhuaha mawhphurtu D.D.O. (Drawing & Disbursing Officer) an ni bawk. Chumi awmzia chu bank mai bakah pawisa peipunna dang (insurance company, etc.) a pawisa dahlut leh lachhuak theitu an ni tihna a nih chu.

Kum kal ta chhunga Pension & Provident sum audit report-ah hian thil felhlel a awm nual. Audit huam chhung hi ni 1.4.2008 atanga 31.3.2009 inkar kha a ni a, sum endiktu (auditor)-te hi Upa Laldinpuia leh Upa C. Kapmawia te an ni.

Audit report-a a lan dan chuan account-ah hian opening balance Rs 21,75,50,061.00 a awm a, chumi hnu lawkah chuan pawisa hi khawih danglam leh a ni a, opening balance chu Rs 20,50,94,274.00 ah a tlahniam duai a, Rs 1,24,55,787 laiin a tlem ta rawih mai a ni. Cheng nuai 124 zeta pawisa a kiam rawih mai hi an siamthat dan chu telh mahse a ngaihthatthlak loh khawp mai.

Sum endiknaah chuan financial institution hrang hranga sum an dah (invest) dan hetiang hian a lang a.

Audit report-ah hian pawisa fai kawl (cash) Rs 10,470 an neih thu leh bank-ah balance Rs 50,74,212 a awm thu bakah hmuh let leh beisei (recoverable advance balance) Rs 1,33,77,528 awm a, pawisa kim lo (accountant hlui kuta bothlau) Rs 27,33,882 a awm bawk. Heng zawng zawng belhkhawm (total balance) chu Rs 23,31,20,163 lai a tling.

A chunga a lan dan hian chuan pension & provident pawisa 90.90% lai hi bank leh mutual fund-ah an dah a, insurance company pathum - Birla Sunlife, ICICI leh Bajaj Alianz tea an dah belhkhawm ringawt pawh hi Rs 7,90,00,000 lai a ni. He'ng insurance pathumah hian pension pawisa hi a dah theih reng em? He account khawihtute leh Executive Secretary (Sr) hian heng sum tam tham tak hi remchangah lain an invest ta tihna a ni em?

A chunga tarlan tawh ang hian Pension Dan bu-a pawisa dah theihna tur chu Central/State Sorkar-in a pawm Scheduled Bank chauh a ni. Sorkar laipuiin Indian Trust Act,1882, Section 20-a Clause (a) atanga (d)-a sorkar sum dahna him a tihah chauh pung nei tur emaw, Employees' Provident Fund Scheme, 1952-in pawisa peipun dan hmang a ziak angin dah zel tur a ni. Anmahni dan siam ngei bawhchhiaa sum an dah hrim hrim pawh hi a dik lo a, chu ai mah chuan Synod hotu lawk thenkhatin a hlawkna an tel hi a felhlel zawk chu niin a lang.

Insurance company-a sum an dah chungchanga a hlawkna tel (agent) an awm chungchangah hian Synod insawifiahnaah chuan tiang hian an ziak: "Financial Institutions (UTI,etc.)-ah hian sum dah dawn reng rengin agent kal tlanga tih vek a ngai a, direct-in an office puiah pawh dah ila, tuemaw agent hming thova a kal a ngai a. Heng hi company-in ama sumin lawmman (commission) a pe thin a. Company aiawha hnathawk an ni a, thawktute hlawh ve a ni. Chutiang chuan sum dah reng reng hi agent hrang hrang kaltlanga dah a ni thin," tiin.

An insawifiahna hi a dik a, investment kalphung hre chin tan chuan thu dik hlawm hlak a nih zia hai rual a ni lo. Mahse, Kohhran pawisa, mi harsa te te te'n an thawhkhawm hmanga pawisa an peipunnaah hian mimala hlawkna teltu (agent)-te chu an (Synod hruaitute) fate nia an hriat avangin mipui ngaih a tha lo. Kohhran hruaitute hian sum an um mah maha ngaih loh theih a ni lovin a lang tlat.

Insurance company-a investment-ah hian a sum a tam chuan agent-ten a hlawkna an tel hnem thei hle a, kum bi/thla bi a dah phei chuan a hlawkna an ei tur (commission) hi a tam zual a ni. Chutihlaiin, pawisa dahluh (deposit) zat atang hian agent hian a ei ve tur a la nghal a, management charge leh thil dangah ah han cut leh a. Chubakah chuan mihring hming (nunna dahkhamna) anga kaltir a nih avangin mortality charge ah engemaw zat a kal leh bawk a. Chutiang zawng zawng paih hnu a, a tak taka company-a an chhunluh chu a kiam duai thin a ni.

Kan hriatthiam dan turin - cheng nuai 20 invest dawn ta ila, chu pawisa atang chuan agent-in 15% vel ei ta se (Rs 3,00,000), chumi hnuah mortality charge leh thil dang an han la then leh a. A tak taka company kuta lut chu cheng nuai 16 vel te a lo ni thin. Chumi awmzia chu, interest a zirin a tira pawisa sen zat hmun let leh tur pawhin hun rei fe nghah a ngai dawn a, a hlawkna tel tur phei chuan hun a duh ve hle a ni. Chung zawng zawng zir chiang vek chung chuan an dah ngam hi thil mak tak a ni.

Investment an tihna hmun ICICI Prudential leh, Bajaj Allianz leh Birla-a Agent-te hi Pastor pension tawh fapa leh thawk mek fapa bakah vai pakhat Utpal Mazumdar te an ni. Policy holder-ah hian Synod office-a thawkte hming hman a ni bawk. Kum kal ta chhunga Birla Sunlife a invest Rs 1,30,00,000 leh, ICICI a invest Rs 5,60,00,000 leh Bajaj Allianz-a invest Rs 1,00,00,000 atang hian agent-ten commission an ei zat tur hi turu tham tak a ni a. Policy holder-te hian an dawng ve ang em tih chu zawhna a ni bawk.

Dan bu lamah 'Pawisa chu Central/State Sorkar-in a pawm Scheduled Bank-ah dah zel tur a ni' tih a ni chung hian PPF Board hian anmahni thuin financial institution-ah an dah ngam hi a mak khawp mai. Hemi chungchanga Synod lam atanga thuchhuah an siama atanga a lan danin insawifiah tum deuh roh insawifiah tak tak chuang si loin, "Scheduled bank-ho hi Reserve Bank of India (RBI) thuhnuaia mi an ni a; Financial Institutions (FIs) te hi SEBI (Securities Exchange Board of Investment) hnuaia mi an ni," tiin Board hriatpui ang thlapa insurance company (financial institution) hrang hranga dah an nih thu tarlan a ni. Hei hian Dan kalha sum an invest chungchang hi a sawifiah zo chuang lo.

Pathian Ram thawhlawm hi Kohhran mite'n an ngai pawimawh hle a, mi hausa ber atanga rethei ber thlengin thla tin thawh hram hram an tum thin. Thingtlang chhungkaw harsa tak takte pawhin hah taka an thawhchhuahte ui miah lovin an thawh ve kerh kerh thin a nih hi. Chutih laia mi thenkhatin hausakpuina atana an lo hmang nia a lang ta hian mi tam tak rilru a tina a, Kohhran hruaitu hlui zingah pawh thinrim tak tak an awm nual a ni. Hei bak baka Synod Chiahpuam tih mai awm tak pawh a ni reng a ni.

Insurance company-a investment tih hian a company lam hian an ngaih pawimawh chu policy holder-te kum zat leh sex (mipa/hmeichhia) bakah an hriselna chungchang hi a ni. Pension fund investment-ah hian policy holder zingah kum zat ziak dik lo an awm ni awma sawi a ni leh zel hian thil a tikhawlo zual ang tih a hlauhawm khawp mai

Pawl sum ni si mihring anga (Life insurance) peipun tum tlat mai pawh hi a fel lo khawpin a lang. Kohhranah chuan 'ni chu ni, ni lo chu ni lo' tih mai ngam awm tak a nih laiin a hlawkna um vang liau liauva pawisa chalai hi thil tihawm loh tak a ni. A lehlamah chuan a hlawkna um vanga ti nia an insawi lai hian an hlawkpui chiah em tih hi chhut tham a ni. Tun dinhmunah chuan an la hlawkpui lo tih chu a chiang a, khawvel pumah investment bank-ho an tlachhe mek a, India ram pawh nasa takin a nghawng tawh. Interest rate pawh a tlahniam hle a ni. Chu mai bakah scheduled bank (SBI, etc.) te ang lo takin heng insurance company-te hi tlachhe thut thei reng a ni a, risk lakna thil a ni. Tun hnai maiah pawh US bank thenkhat an tlachhe leh tan tawh. Heti a nih chuan insurance company a Synod sum chiahpuam pawh hi eng hehu a ni lo mai ang tih hlauhawm tak a ni.

Auditor-te'n report tawp lama rawtna an siam hian pension fund chiahpuam dinhmun hi a chiang thawkhat viau awm e. Hetiang hian rawtna an siam a:

1. Investment Assets Purchase Value leh a hlutna (31.3.2009) te tarlan atanga a lan danin Mutual Fund Scheme-a investment siam hi a hlawk lem lo a, sum hman theih loh a muttirna mai a ang a. Investment lo tih laklawh tawhte tihtawp thut chuan hloh then nual a nih dawn avangin Investment kal laklawk chu tihpuitlin law law a that a rinawm.

Amaherawhchu, Mutual Fund Scheme-ah chuan dahbelh lovin, a theih ang ang kum indawt a, draw theih turin Fixed Deposit-a dah ni se, a himin a rinawm.

2. Mimal hminga Synod Pension Fund Invest zawng zawng hi Synod Pension & Provident Fund Board hminga thlak vek a thain a rinawm.

3. Bank pawn lam Financial Institution danga Investment tih dawn reng rengin Finance Committee remtihna lak hmasak ni sela, chutiang phalna awm lo chuan Investment tih loh a thain a rinawm.

Rawtna a langsar tak mai chu he chiahpuam buaipuitute hi mi tlem te an ni a, a hlawkna teltu pawh mi tam tak an ni lo tih hi a ni. Heng rawtna hi engtin nge an bawhzui dan ti a Zozam zawhna chhangin Synod Moderator chuan, "A theih ang angin hma kan la mek a ni," a ti a. Pension fund an invest dan chungchang hi a hriat thui loh thu a sawi bawk.

A pawi thei ang em?
Pension & Provident pawisa tlingkhawm an peipun danah hian Kohhran mi nawlpui zingah ngaihthat lohna lian tak a awm a, pastor pension tawh zingah pawh lungawi lo an awm fur. Hemi chungchangah hian thil felfai lo a awm ngei tih chu lang reng mah se Kohhran hruaitu lam hian ngawih an chuh tlat mai a, a inhnahmhnawihte ngei pawh hian vantlang hriata insawifiah an tum lem lo niin a lang. Hei tak hian ngaih a titha lo a ni.

Dik tak chuan mi tlem te inhnamhnawihna thil avang hian Synod pum pui hian beih leh sawisel a tawk mek a, sawimam sak tum tan pawh tanchhan tur mumal a awm lo tlat mai hian Kohhran mi nghet tak takte a tihrilhhai rih khawp mai.

Tun hnai lawk khan Synod hruaitute atangin Kohhran tina puanzar tur thawn darh a ni a, mahse, kha thu khan mi tam tak rilru a hmin lem lo khawp mai. Thil mak tak mai chu Synod thuchhuak Kohhrana puanzar tur hi Synod Secretary hminga siam leh thawn darh a ni thin a, Synod Pension Sum Investment Chungchang (an insawifiahna)-ah hi chuan Synod Secretary-in a hming a ziak lo a, Executive Secretary (Sr) hminga siam a ni daih!

Hemi chungchangah hian Synod Moderator chuan, "Thil fel lo a awm lo, Secretary hminga siam thin chu ni mah se a buai ve deuh a, a aia hming lo sign tur khan a ti mai a ni," tiin Zozam Weekly a hrilh.

He lehkha hi inkhawmnaah chhiar chhuah tur ni mah se Kohhran thenkhatah chuan chhiarchhuah leh puanzar a ni lo. Kalphung pangngai kalha Synod Secretary thawn a nih loh vang hian an chhiar duh lo niin thenkhat chuan an sawi. He lehkha hi Committee-in a rel angin Executive Secretary (Sr) in a siam nia sawi a ni.

Mi thenkhat chuan he thil avang hian Synod zahawmna leh Kohhran thianghlimna a tlahniam hlein an ngai a, Pathian Ram thawhlawm thlengin a tawrh phah ang tih an hlau a ni. Tun hnaia Synod committee-ah pawh he sum chiahpuam chungchang hi sawi chhuah niin an inchhang deuh viau a ni awm e.

Eng vangin nge insurance company hrang hrangah pawisa hi an invest kher? Synod-in Kohhran mipui rilru na leh thinrim bengdai tura thuchhuah a siamah chuan tiang hian an insawifiah: "Pension fund zawmtute tan hian kum tin 8% pek zel a ngaih avangin Bank pangngaiah chuan engemaw changa special offer an siam tih lovah chuan fixed deposit pawh 7% vel bak interest a awm zen zen lo bawk a. Chuvangin a tlem berah 9% interest rate emaw tala dah a nih loh chuan Board tan a him lo hle a ni," tiin.

Mahse, a pung ringawt bakah hian a buaipuitute hian thil dang an um tel niin a lang. SBI-a a punna ringawt pawh ni 1000 chhungin 10.5% a ni a, IDBI ah hian kum khatah 10.6% a ni bawk. Bank kalhmangah hian an hnena investment ti nasa deuh chu bonus an pe tel thin a, chutiang chu Synod pawh hian a dawng tawh thin a ni.

Tunlai hunah hian mipui nawlpui hi kan hawiharh deuh deuh zel a, thil kalhmang hre lo lutuk anga ngaia in namnul mai mai chi a ni tawh lo. Chutiang khawvela kan chen tawh avang chuan mipuiin kan right kan ngai pawimawh tial tial a. Tuna synod pension sum investment chungchangah pawh hian a hruaitu lam atanga thu dik puanchhuah a, thil fel lo a awm a nih pawha puanzar ngam tura beiseina a lian hle a. Pension dan buin a sawi anga Synod Pension sum hi a him him loh endik thiam (Actuary) pawn lam mi rawih mai pawh a fuhin a rinawm ta hial a ni. Chuti a nih loh chuan kohhran kal zelah thil fel lo inphum haichhuah loh a tam tial tial ang tih pawh hlauhawm tak a ni.

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