NPS Tax Benefits

Find your tax break in 10 seconds.

How much you save depends on just one thing — your situation. Pick the one that's you below, and see exactly which deductions you can claim.

₹
Tax saved
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.

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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.

The tax advantage

NPS is the only place you get this extra ₹50,000 tax free.

Under the old tax regime, NPS stacks three deductions - including one that exists nowhere else.

SECTION 80CCD(1)
Up to ₹1.5L

Your own contributions count within the overall Section 80C limit.

UNIQUE TO NPS
SECTION 80CCD(1B)
+ ₹50,000

An additional deduction over and above the ₹1.5L limit — found in no other product.

SECTION 80CCD(2)
Up to 10%

Of salary, when your employer contributes through Corporate NPS — also over and above the limits above.

Corporate NPS

When your employer contributes, everyone wins.

Corporate NPS lets companies contribute to their employees' retirement accounts as part of the salary structure.

It's a high-impact, low-cost benefit: better take-home tax efficiency for staff, and a meaningful retention tool for employers.

FOR EMPLOYEES
Extra tax-free savings

Employer contributions up to 14% of basic is tax free under New Tax Regime.

FOR EMPLOYEES
Fully portable

Change jobs and keep the same PRAN — nothing resets.

FOR EMPLOYERS
Business expense

Contributions qualify as a deductible business expense.

FOR EMPLOYERS
Retain talent

A valued long-term benefit at negligible administrative cost.

See your tax saving turn into a retirement corpus.

Add your NPS contribution to the calculator and watch your projected retirement corpus grow — right in your browser.