For employers & teams

Corporate NPS.

A retirement benefit your team can actually feel. ZERO cost to employers, tax-free income for employees.

How it works

One setup. Three simple steps.

1
Employer registers

The company enrols as a corporate through niji.money - a one time setup. HR gets access to the dashboard.

2
Employees are onboarded

Each employee gets on-boarded to niji.money, where they can create a new PRAN or link an existing one.

3
Contributions flow

The employer contributes a chosen percentage of salary every cycle. Fully digital, no admin work for payroll team.

For employees

More retirement, less tax - without touching take-home.

✓
A tax break found nowhere else at work

Your employer’s contribution is deductible under Section 80CCD(2) - over and above your 80C and 80CCD(1B) limits.

✓
Bigger room under the new regime

Employer contributions of up to 14% of basic salary are deductible under the new tax regime (10% under the old).

✓
Fully portable

Change jobs and keep the same PRAN. Your corpus moves with you — nothing resets.

✓
Stacks with your own savings

You can still contribute personally and claim 80CCD(1) and the exclusive ₹50,000 under 80CCD(1B).

For employers

A high-impact perk at a remarkably NO cost.

✓
A deductible business expense

Contributions to employees' NPS qualify as a business expense for the company.

✓
A genuine retention tool

A long-term, vesting-free benefit that signals you're invested in your people's future.

✓
Negligible administrative load

No admin work for HR or Finance - niji.money do the heavy lifting.

✓
ZERO cost to employers

Yes, niji.money is completely free for employers to rollout Corporate NPS. No cost to the company.

Book a Demo Today
Which one are you?
Salaried · New Tax Regime

The only tax benefit option - the employer contribution.

Maximum deduction you can claim
14% of basic
Employer contribution, fully deductible under 80CCD(2).
What you can claim
✕
80CCD(1) — Your contributionNot available

Personal-contribution deductions don't apply in the new regime.

✕
80CCD(1B) — The extra ₹50,000Not available

The exclusive extra is not available in the new regime.

✓
80CCD(2) — Employer contributionUp to 14% of basic

Available — and larger than the old regime's 10%.

New regime salaried: personal deductions don't apply, but employer 80CCD(2) of up to 14% of basic salary remains fully tax free.

Your salary & details
Which tax regime are you in?
Annual CTC
₹
₹18.00 lakh a year · ₹1,50,000 per month
Annual Basic salary
₹
50% of CTC · ₹75,000 per month
Employer NPS contribution (% of Basic)14%
New Tax Regime - Capped at 14% of Basic
Your own monthly contribution
₹
Optional. The ₹50,000 80CCD(1B) deduction is not available in the new regime.
Current age30 yrs
Retirement age
Fixed - cannot be changed
60 yrs
Annual salary increment8%
Your Basic and contributions grow at this rate every year.
Expected rate of return10%
Your projection
Corpus at 60
₹7.70 Cr
₹7,70,35,782
Amount invested
₹2.11 Cr
Employer + your share
Employer contribution invested₹1.43 Cr
Your contribution invested₹67.97 L
Your pension annuity
Withdrawal percentage
Share of corpus you take as a tax-free lump sum at retirement
Available for withdrawal (60%)₹4.62 Cr
Annuity purchased for (40%)₹3.08 Cr
Monthly pension received
for life, from your annuity
₹1,54,072
Indicative estimate. Annuity assumed at 6% p.a. Actual returns vary with market performance and your chosen scheme.
Corpus growth
How your Corporate NPS account compounds until age 60
Projected corpus at 60
₹7.70 Cr
33
36
39
42
45
48
51
54
57
60
Age in years →
Year by year
Your corpus building, one year at a time
AgeAnnual CTCAnnual BasicEmployer contributionYour contributionCorpus
31₹18,00,000₹9,00,000₹1,26,000₹60,000₹1,94,766
32₹19,44,000₹9,72,000₹1,36,080₹64,800₹4,25,508
33₹20,99,520₹10,49,760₹1,46,966₹69,984₹6,97,240
34₹22,67,482₹11,33,741₹1,58,724₹75,583₹10,15,600
35₹24,48,880₹12,24,440₹1,71,422₹81,629₹13,86,924
36₹26,44,791₹13,22,395₹1,85,135₹88,160₹18,18,328
37₹28,56,374₹14,28,187₹1,99,946₹95,212₹23,17,801
38₹30,84,884₹15,42,442₹2,15,942₹1,02,829₹28,94,300
39₹33,31,674₹16,65,837₹2,33,217₹1,11,056₹35,57,870
40₹35,98,208₹17,99,104₹2,51,875₹1,19,940₹43,19,764
41₹38,86,065₹19,43,032₹2,72,025₹1,29,535₹51,92,586
42₹41,96,950₹20,98,475₹2,93,787₹1,39,898₹61,90,442
43₹45,32,706₹22,66,353₹3,17,289₹1,51,090₹73,29,117
44₹48,95,323₹24,47,661₹3,42,673₹1,63,177₹86,26,262
45₹52,86,949₹26,43,474₹3,70,086₹1,76,232₹1,01,01,611
46₹57,09,904₹28,54,952₹3,99,693₹1,90,330₹1,17,77,213
47₹61,66,697₹30,83,348₹4,31,669₹2,05,557₹1,36,77,700
48₹66,60,032₹33,30,016₹4,66,202₹2,22,001₹1,58,30,573
49₹71,92,835₹35,96,418₹5,03,498₹2,39,761₹1,82,66,530
50₹77,68,262₹38,84,131₹5,43,778₹2,58,942₹2,10,19,828
51₹83,89,723₹41,94,861₹5,87,281₹2,79,657₹2,41,28,676
52₹90,60,901₹45,30,450₹6,34,263₹3,02,030₹2,76,35,685
53₹97,85,773₹48,92,886₹6,85,004₹3,26,192₹3,15,88,357
54₹1,05,68,635₹52,84,317₹7,39,804₹3,52,288₹3,60,39,634
55₹1,14,14,125₹57,07,063₹7,98,989₹3,80,471₹4,10,48,503
56₹1,23,27,255₹61,63,628₹8,62,908₹4,10,909₹4,66,80,670
57₹1,33,13,436₹66,56,718₹9,31,941₹4,43,781₹5,30,09,307
58₹1,43,78,511₹71,89,255₹10,06,496₹4,79,284₹6,01,15,879
59₹1,55,28,791₹77,64,396₹10,87,015₹5,17,626₹6,80,91,067
60₹1,67,71,095₹83,85,547₹11,73,977₹5,59,036₹7,70,35,782
CTC, Basic and contributions grow at your chosen annual increment. Corpus is the balance at the end of each year.
Enrol in Corporate NPS →
Eligibility

Built for almost any organisation - and every employee on its rolls.

There is no industry restriction and no minimum headcount. If you run a registered entity, you can offer Corporate NPS.

ENTITIES

Companies, PSUs, partnerships, proprietorships, societies and trusts - any registered organisation can sign up.

NO MINIMUM SIZE

There is no minimum employee count required to offer Corporate NPS.

EMPLOYEES

Anyone on the company's payroll can be enrolled, including those who already hold a Retail NPS account.

EXISTING SUBSCRIBERS

An employee's existing individual PRAN can simply be tagged to the new employer.

Common questions

Corporate NPS, answered.

Bring Corporate NPS to your workplace.

Whether you're an employer setting it up or an employee who wants to ask for it, contact niji.money to get started — we'll handle the registration and the paperwork.