{"id":225,"date":"2023-04-30T09:08:30","date_gmt":"2023-04-30T09:08:30","guid":{"rendered":"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/?page_id=225"},"modified":"2023-04-30T13:21:04","modified_gmt":"2023-04-30T13:21:04","slug":"devlet-katkisi","status":"publish","type":"page","link":"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/devlet-katkisi\/","title":{"rendered":"Devlet Katk\u0131s\u0131"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"225\" class=\"elementor elementor-225\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7ab09adc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ab09adc\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6ef81d73\" data-id=\"6ef81d73\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-268dd9b3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"268dd9b3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5dd1da54\" data-id=\"5dd1da54\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-450b3199 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"450b3199\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.12.2 - 23-04-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h4 class=\"elementor-heading-title elementor-size-default\">Devlet Katk\u0131s\u0131<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-afe69be elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"afe69be\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-37e317f\" data-id=\"37e317f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ba24f9 elementor-widget elementor-widget-template\" data-id=\"5ba24f9\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div 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class=\"\">2040-2 Bireysel Emeklilik Plan\u0131<\/a><\/li><li class=\"bdt-menu-item\"><a href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/2040-3-bireysel-emeklilik-plani\/\" class=\"\">2040-3 Bireysel Emeklilik Plan\u0131<\/a><\/li><\/ul><\/li><li class=\"bdt-menu-item\"><a href=\"#\"  class=\"has-arrow\">Kurumsal Emeklilik Planlar\u0131m\u0131z<\/a><ul><li class=\"bdt-menu-item\"><a href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/isveren-grup-emeklilik-plani\/\" class=\"\">\u0130\u015fveren Grup Emeklilik Plan\u0131<\/a><\/li><li class=\"bdt-menu-item\"><a href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/gruba-bagli-bes-plani\/\" class=\"\">Gruba Ba\u011fl\u0131 BES Plan\u0131<\/a><\/li><\/ul><\/li><li class=\"bdt-menu-item\"><a href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/nasil-emekli-olurum\/\" class=\"\">Nas\u0131l Emekli Olurum?<\/a><\/li><li class=\"bdt-menu-item\"><a href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/ne-zaman-emekli-olurum\/\" class=\"\">Ne Zaman Emekli Olurum?<\/a><\/li><\/ul>\t\t<\/nav>\n\n\t\t\t\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a060632\" data-id=\"a060632\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-915b49a elementor-widget elementor-widget-text-editor\" data-id=\"915b49a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.12.2 - 23-04-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Bireysel Emeklilik Sistemi&#8217;nde s\u00f6zle\u015fmene yat\u0131rd\u0131\u011f\u0131n her 100 TL i\u00e7in devlet de senin Bireysel Emeklilik s\u00f6zle\u015fmene 30 TL katk\u0131 pay\u0131 yat\u0131rmaktad\u0131r. Her 100 TL i\u00e7in fazladan gelen bu 30 TL\u2019lik ek gelire Devlet Katk\u0131s\u0131 denir.<\/p><p>Birikimlerinin \u00e7o\u011falmas\u0131 amac\u0131yla emeklilik hesab\u0131na devlet taraf\u0131ndan \u00f6denen Katk\u0131 Pay\u0131, gelece\u011fin i\u00e7in fazladan bir ek gelir olmaktad\u0131r.<\/p><p>Her kat\u0131l\u0131mc\u0131 ad\u0131na \u00f6denen Devlet Katk\u0131s\u0131, o y\u0131la ait br\u00fct asgari \u00fccret tutar\u0131n\u0131n % 30&#8217;unu ge\u00e7emez. Limit hesab\u0131 kat\u0131l\u0131mc\u0131 baz\u0131nda yap\u0131l\u0131r. Bir kat\u0131l\u0131mc\u0131 i\u00e7in bir takvim y\u0131l\u0131nda \u00f6denen ve Devlet katk\u0131s\u0131 tutar\u0131n\u0131n hesaplanmas\u0131na esas te\u015fkil eden katk\u0131 paylar\u0131n\u0131n toplam\u0131 ilgili takvim y\u0131l\u0131na ait hesaplamaya ili\u015fkin d\u00f6nemin sona erdi\u011fi tarihte ge\u00e7erli br\u00fct asgari \u00fccretin hesaplama d\u00f6nemine isabet eden toplam tutar\u0131n\u0131 a\u015famaz.<\/p><p>2023 y\u0131l\u0131 i\u00e7inde al\u0131nabilecek maksimum Devlet Katk\u0131s\u0131 tutar\u0131 36.028,80 TL&#8217;dir. 2023 Y\u0131l\u0131 Br\u00fct Asgari \u00dccret Toplam\u0131 olan 120.096,00 TL i\u00e7in o y\u0131l Devlet Katk\u0131s\u0131 hesab\u0131nda fazladan 36.028,80 TL birikecektir.<\/p><h2>Kimler Faydalanabilir?<\/h2><p>Devlet Katk\u0131s\u0131ndan, Bireysel ya da Gruba Ba\u011fl\u0131 Bireysel Emeklilik S\u00f6zle\u015fmesi\u2019ne katk\u0131 pay\u0131 \u00f6deyen;<\/p><ul><li>T\u00fcrkiye Cumhuriyeti vatanda\u015flar\u0131,<\/li><li>Mavi kart sahipleri,<\/li><li>\u00d6deyeni, i\u015fvereni olmayan kat\u0131l\u0131mc\u0131lar; belirlenen limit dahilinde yararlanabilirler.<\/li><\/ul><h3>Birden Fazla BES Bulundu\u011fu Takdirde Devlet Katk\u0131s\u0131 Nas\u0131l Hesaplan\u0131r?<\/h3><p>Birden fazla Bireysel Emeklilik s\u00f6zle\u015fmen bulunuyorsa Devlet Katk\u0131lar\u0131, her s\u00f6zle\u015fme i\u00e7in ayr\u0131 ayr\u0131 payla\u015ft\u0131r\u0131l\u0131r. Fakat toplam hakk\u0131n Asgari Br\u00fct \u00dccret\u2019in %30&#8217;u kadar\u0131d\u0131r.<\/p><p>\u00d6rne\u011fin, X s\u00f6zle\u015fmesine y\u0131lda 3.000 TL ve Y s\u00f6zle\u015fmesine y\u0131lda 1.000 TL \u00f6d\u00fcyorsan, X s\u00f6zle\u015fmesi i\u00e7in \u00f6dedi\u011fin miktar\u0131n 4\u2019te 3\u2019\u00fcne, Y s\u00f6zle\u015fmesi i\u00e7in ise Devlet Katk\u0131s\u0131n\u0131n 4&#8217;te 1\u2019ine hak kazan\u0131rs\u0131n. Da\u011f\u0131l\u0131m i\u00e7in s\u00f6zle\u015fme ba\u015flang\u0131\u00e7 y\u0131l\u0131n\u0131n \u00f6nceli\u011fi al\u0131n\u0131r.<\/p><p>Devlet Katk\u0131s\u0131 tutar\u0131, M\u00fcste\u015farl\u0131k taraf\u0131ndan Emeklilik G\u00f6zetim Merkezi\u2019ne (EGM), EGM taraf\u0131ndan da \u015firketimize iletilir. S\u00f6zle\u015fmene aktar\u0131lan Devlet Katk\u0131s\u0131 tutar\u0131n\u0131 ve getirisini, s\u00f6zle\u015fmene tan\u0131ml\u0131 Devlet Katk\u0131s\u0131 hesab\u0131ndan inceleyebilirsin.<\/p><p>Devlet Katk\u0131s\u0131 tutar\u0131, Katk\u0131 Pay\u0131n\u0131n s\u00f6zle\u015fmeye intikal etti\u011fi tarihi takip eden bir sonraki ay i\u00e7inde hesab\u0131na aktar\u0131l\u0131r.<\/p><h3>Sisteme \u00d6nceden Girmi\u015f Kat\u0131l\u0131mc\u0131lar Devlet Katk\u0131s\u0131na Nas\u0131l Hak Kazanabilir?<\/h3><p>Devlet Katk\u0131s\u0131, 1 Ocak 2013 y\u0131l\u0131nda uygulanmaya ba\u015flad\u0131. Yani bu d\u00f6nemden sonra sisteme kay\u0131t olduysan Devlet Katk\u0131s\u0131 almaya hak kazand\u0131n demektir.<\/p><p>\u201cBen sisteme bu tarihten daha \u00f6nce kat\u0131ld\u0131m Devlet Katk\u0131s\u0131 alamayacak m\u0131y\u0131m?\u201d diye d\u00fc\u015f\u00fcn\u00fcyorsan senin i\u00e7in \u015f\u00f6yle bir se\u00e7enek var:<\/p><p>Kay\u0131t oldu\u011fun tarihe ek olarak 1 Ocak 2013 y\u0131l\u0131ndan itibaren \u00fc\u00e7 y\u0131l sistemde kalma \u015fart\u0131 ile bir kereye mahsus emeklili\u011fin i\u00e7in a\u015fa\u011f\u0131daki hak edi\u015f s\u00fcresi eklenir.<\/p><ul><li>Sistemde 3 y\u0131ldan fazla, 6 y\u0131ldan az bulunursan 1 y\u0131l,<\/li><li>Sistemde 6 y\u0131ldan fazla, 10 y\u0131ldan az bulunursan 2 y\u0131l,<\/li><li>Sistemde 10 y\u0131ldan fazla bulunursan 3 y\u0131l.<\/li><\/ul><p>\u00d6rnek ile a\u00e7\u0131klamak gerekirse; 2008 y\u0131l\u0131 i\u00e7inde sisteme girdi\u011fini d\u00fc\u015f\u00fcnelim. 2013 y\u0131l\u0131na kadar ge\u00e7en 5 y\u0131ll\u0131k s\u00fcre i\u00e7erisinde Devlet Katk\u0131s\u0131 alamad\u0131n. Fakat sistemde kald\u0131\u011f\u0131n 5 y\u0131l sana fazladan 1 y\u0131l kazand\u0131rarak 6 y\u0131l\u0131n\u0131 doldurmu\u015f gibi say\u0131lman\u0131 sa\u011flad\u0131. Bu da Devlet Katk\u0131s\u0131n\u0131n %35\u2019ine hak kazand\u0131\u011f\u0131n anlam\u0131na gelir.<\/p><h3>Ayr\u0131lma Durumunda Hak Kazan\u0131lan Devlet Katk\u0131s\u0131 Getirisi \u00dczerinden Al\u0131nan Stopaj (Kesinti) Oran\u0131 Nedir?<\/h3><p>Sistemden ayr\u0131lma durumunda, Devlet Katk\u0131s\u0131n\u0131n hak kazan\u0131lan b\u00f6l\u00fcm\u00fcne ili\u015fkin getirisi \u00fczerinden a\u015fa\u011f\u0131da belirtilen oranlarda stopaj al\u0131n\u0131r.<\/p><ul><li>10 y\u0131ldan az s\u00fcreyle katk\u0131 pay\u0131 \u00f6deyerek ayr\u0131l\u0131rsan %15,<\/li><li>10 y\u0131l s\u00fcreyle katk\u0131 pay\u0131 \u00f6demekle birlikte emeklilik hakk\u0131 kazanmadan ayr\u0131l\u0131rsan %10,<\/li><li>Emeklilik, vefat, maluliyet nedeniyle ayr\u0131l\u0131rsan %5 kesinti yap\u0131l\u0131r.<\/li><\/ul><h3>\u0130\u015fveren Taraf\u0131ndan Kat\u0131l\u0131mc\u0131 Ad\u0131na \u00d6denen Katk\u0131 Paylar\u0131na Devlet Katk\u0131s\u0131 \u00d6denir mi?<\/h3><p>\u0130\u015fveren taraf\u0131ndan kat\u0131l\u0131mc\u0131 ad\u0131na \u00f6denen Katk\u0131 Paylar\u0131, Devlet Katk\u0131 Pay\u0131 uygulamas\u0131 kapsam\u0131 d\u0131\u015f\u0131ndad\u0131r. \u0130\u015fverenler, \u00e7al\u0131\u015fanlar\u0131 ad\u0131na \u00f6dedikleri Katk\u0131 Pay\u0131n\u0131, Kanun\u2019da belirlenen limit (\u00f6dendi\u011fi ayda elde edilen br\u00fct \u00fccretin %15\u2019i ve y\u0131ll\u0131k olarak maksimum asgari \u00fccretin y\u0131ll\u0131k tutar\u0131) dahilinde ticari kazan\u00e7lar\u0131n\u0131n tespitinde gider olarak g\u00f6sterebilirler.<\/p><h2>Devlet Katk\u0131 Pay\u0131n\u0131 Hak Edi\u015f S\u00fcreleri<\/h2><p>Devletin yat\u0131rd\u0131\u011f\u0131 Katk\u0131 Pay\u0131ndan yararlanabilmek i\u00e7in a\u015fa\u011f\u0131daki zaman dilimlerine g\u00f6z atmal\u0131s\u0131n:<\/p><ul><li>\u0130lk \u00fc\u00e7 y\u0131l i\u00e7inde sistemden \u00e7\u0131karsan Devlet Katk\u0131s\u0131 alamazs\u0131n,<\/li><li>\u00dc\u00e7\u00fcnc\u00fc y\u0131l\u0131n sonunda %15&#8217;i,<\/li><li>Alt\u0131nc\u0131 y\u0131l\u0131n sonunda %35&#8217;i,<\/li><li>Onuncu y\u0131l\u0131n sonunda %60&#8217;\u0131,<\/li><li>Emeklili\u011fe hak kazand\u0131\u011f\u0131nda ise Devlet Katk\u0131s\u0131n\u0131n tamam\u0131 alabilirsin.<\/li><\/ul><p>Sen de devletin sundu\u011fu bu imkandan yararlanmak i\u00e7in sistemde en az 10 y\u0131l kalmal\u0131 ve 56 ya\u015f\u0131n\u0131 doldurmal\u0131s\u0131n. B\u00f6ylece emeklili\u011fe hak kazanarak Devlet Katk\u0131 Pay\u0131n\u0131n %100\u2019\u00fcn\u00fc alabilirsin.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Bireysel Emeklilik Sistemi&#8217;nde s\u00f6zle\u015fmene yat\u0131rd\u0131\u011f\u0131n her 100 TL i\u00e7in devlet de senin Bireysel Emeklilik s\u00f6zle\u015fmene 30 TL katk\u0131 pay\u0131 yat\u0131rmaktad\u0131r. Her 100 TL i\u00e7in fazladan gelen bu 30 TL\u2019lik ek gelire Devlet Katk\u0131s\u0131 denir. Birikimlerinin \u00e7o\u011falmas\u0131 amac\u0131yla emeklilik hesab\u0131na devlet taraf\u0131ndan \u00f6denen Katk\u0131 Pay\u0131, gelece\u011fin i\u00e7in fazladan bir ek gelir olmaktad\u0131r. Her kat\u0131l\u0131mc\u0131 ad\u0131na \u00f6denen &#8230; <a title=\"Devlet Katk\u0131s\u0131\" class=\"read-more\" href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/devlet-katkisi\/\" aria-label=\"More on Devlet Katk\u0131s\u0131\">Devam\u0131n\u0131 oku&#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-225","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Devlet Katk\u0131s\u0131 - \u00c7SM Sigorta<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/csmsigorta.com.tr\/bireysel-emeklilik\/devlet-katkisi\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Devlet Katk\u0131s\u0131 - \u00c7SM Sigorta\" \/>\n<meta property=\"og:description\" content=\"Bireysel Emeklilik Sistemi&#8217;nde s\u00f6zle\u015fmene yat\u0131rd\u0131\u011f\u0131n her 100 TL i\u00e7in devlet de senin Bireysel Emeklilik s\u00f6zle\u015fmene 30 TL katk\u0131 pay\u0131 yat\u0131rmaktad\u0131r. Her 100 TL i\u00e7in fazladan gelen bu 30 TL\u2019lik ek gelire Devlet Katk\u0131s\u0131 denir. Birikimlerinin \u00e7o\u011falmas\u0131 amac\u0131yla emeklilik hesab\u0131na devlet taraf\u0131ndan \u00f6denen Katk\u0131 Pay\u0131, gelece\u011fin i\u00e7in fazladan bir ek gelir olmaktad\u0131r. Her kat\u0131l\u0131mc\u0131 ad\u0131na \u00f6denen ... 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Her 100 TL i\u00e7in fazladan gelen bu 30 TL\u2019lik ek gelire Devlet Katk\u0131s\u0131 denir. Birikimlerinin \u00e7o\u011falmas\u0131 amac\u0131yla emeklilik hesab\u0131na devlet taraf\u0131ndan \u00f6denen Katk\u0131 Pay\u0131, gelece\u011fin i\u00e7in fazladan bir ek gelir olmaktad\u0131r. Her kat\u0131l\u0131mc\u0131 ad\u0131na \u00f6denen ... 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