Backed by 
Everything
Re-imagining retirement benefits for employers, employees, partners & parents with maximum tax benefits & a secure future.
India’s #1
Pension Platform
Trusted by 200+ Companies & 2,00,000+ Indians
Everything In One Platform
From HRs and Companies to Partners, Parents, and You. We’ve got it all covered.
For HRs & EmployersCorporate NPS
For Employees
Companies/HRs help employees build more retirement savings and help them save on tax through Corporate National Pension System (NPS).
It’s the most flexible, tax effective & no cost initiative that every company should explore!
For Individuals & Self-Employed Open or Track
NPS in 2 Mins
Best way to build your retirement corpus with tax benefits is with National Pension System (NPS) account.
With PensionBox, you can open, track & invest in your pension account with zero charges. To get 10x better user experience, instant support and lowest charges, get started with India’s best pension app.
NPS Vatsalya
For Your Kid
NPS Vatsalya launched in 2024 by the Finance Minister of India. It is specifically designed to secure the financial future of minors by encouraging disciplined, long-term savings from an early age.
PensionBox help parents to open & track NPS Vatsalya for their Kids within 2 minutes and get tax benefits, better returns & secure Kid’s future.
We are here for you!
Raise & Resolve
NPS & EPF Requests
Everyone talks about investing right but we make it easy to withdraw right too in the time of need.
PensionBox will help you resolve NPS & EPF service requests including withdraw or exit process so that you don’t have to worry in retirement.
Learn First, Try Later
Learn about pension,
Then Signup
“Understand pensions before you start”
Get a personalised 1:1 walkthrough with our experts to explore NPS, tax savings, and how retirement planning fits your needs.
Prefer to learn first? Join our live sessions where we break down NPS, tax benefits, and real-life scenarios in a simple, easy-to-follow format, with space to get your questions answered along the way.
Invest in New
NPS Schemes
NPS 2025 Reforms By PFRDA introduced MSF (Multiple Scheme Framework) with 100% equity and early exit option within 15 years.
Every pension fund have launched a new NPS scheme under different names and features, don’t worry PensionBox will help you compare all, invest and manage NPS better with New & existing NPS together!
Free
Live Q&A Included
Join our Free
Live Sessions
PensionBox brings you free live sessions designed to simplify NPS and retirement planning.
Join these sessions to learn directly from industry experts, get your questions answered in real time, and understand how to build a smarter financial future.
Zerodha Backs India's First Pension Platform.
NPS is one of the simplest ways to build an early habit of saving for retirement.
Nithin KamathFounder & CEO at Zerodha, Rainmatter by Zerodha
Why Choose PensionBox
(Free, Tech-First & Transparent)
Access to all pension funds & better user experience at zero cost.
FREE
Personalised Advisory Call
100% Digital
Corporate NPS For HRs
NPS, EPF & More
Features & Pension Products
Within 24 hours
Response Time & Support
Best for
HRs, Private & Self Employed
Banks & CRAs
Fee Applicable
Personalised Advisory Call
100% Manual
Corporate NPS for HRs
Limited to NPS
Features & Pension Products
7 to 15 Days
Response time & Support
Best for
Government Employees
VS
What if your retirement
looked like this?
Real stories from people who planned ahead with PensionBox.
Dream Retirement
Decide how and where you want to retire
Retire at age 50 and
Start a vineyard
Retire at age 50 and
Write your dream book
Retire at age 45 and
Live in the mountains
Retire at age 50 and
Become a wildlife photographer
Retire at age 55 and
Sail around the world
Retire at age 48 and
Open a cozy bookstore café
Retire at age 48 and
Invest in companies
Retire at age 45 and
Spend time with grandkids
Retire at age 45 and
Spend time with grandkids
Retire at age 45 and
Freelance from home
Retire at age 50 and
Start a vineyard
Retire at age 50 and
Write your dream book
Retire at age 45 and
Live in the mountains
Retire at age 50 and
Become a wildlife photographer
Retire at age 55 and
Sail around the world
Retire at age 48 and
Open a cozy bookstore café
Retire at age 48 and
Invest in companies
Retire at age 45 and
Spend time with grandkids
Retire at age 45 and
Spend time with grandkids
Retire at age 45 and
Freelance from home
Retire at age 50 and
Start a vineyard
Retire at age 50 and
Write your dream book
Retire at age 45 and
Live in the mountains
Retire at age 50 and
Become a wildlife photographer
Retire at age 55 and
Sail around the world
Retire at age 48 and
Open a cozy bookstore café
Retire at age 48 and
Invest in companies
Retire at age 45 and
Spend time with grandkids
Retire at age 45 and
Spend time with grandkids
Retire at age 45 and
Freelance from home
What’s your dream retirement?
We’ll help you build the plan to make it real.
Over 1.8 crore users have already created
their NPS stories for a golden retirement.
their NPS stories for a golden retirement.
Tax Calculator
Confused about tax regimes? Let us show you the smarter way to save tax with NPS.
Your Annual CTC
₹
My current age is
yrs & I want to
invest ₹
monthly in NPS
Choose Tax Regime:
NPS Contribution FY 26-27
₹ 0
Save Extra on Taxes Every Year
With NPS
Save ₹0
You don’t have any tax liability with your current income. You’re all set!
Without NPS
Tax Liability ₹ 0
Pension Fund Managers on PensionBox
Check out our Calculators
From Tundla to Tech: Where It All Started
Hi I am Kuldeep & I am Shivam, We are the two founders & brothers at PensionBox.
2022
Before building PensionBox
We’re two brothers from Tundla Junction. In 2022, we left our jobs to fix something personal — our parents’ retirement. The system was broken, so we started PensionBox to make it simple, tech-first, and built for everyone.
2023
First Users, PB House
Hit 1 lakh+ users, featured on Amazon Prime’s Mission StartAb, and built the first version of PensionBox with our early team.
2024
Growing with Support
Backed by Zerodha, we launched Corporate NPS for companies and NPS Vatsalya to help parents plan for their children’s future.
25 - 2030
Still Just Getting Started
Now trusted by 200+ companies and 2L+ users — we’re building India’s retirement ecosystem, one saver at a time.
The PensionBox Story
Our journey is filmy & you will love it.
- With from Founders and Team
Everything you need.
All resources in one place to help you better!
Frequently asked questions
What is PensionBox and how does it work?
PensionBox is India’s first pension platform/app that helps you access, invest in, and track your NPS and other pension products with better user experience & minimum charges.
PensionBox simplifies the National Pension System(NPS), the government's pension scheme for private employees both for retail users and HRs/companies.
If you don’t have an NPS account, you can simply open your pension account within 2 minutes and if you have NPS PRAN already, you will be able track, invest and manage everything free of charge with best user experience.
PensionBox simplifies the National Pension System(NPS), the government's pension scheme for private employees both for retail users and HRs/companies.
If you don’t have an NPS account, you can simply open your pension account within 2 minutes and if you have NPS PRAN already, you will be able track, invest and manage everything free of charge with best user experience.
Is PensionBox compliant and regulated?
Absolutely. PensionBox is fully ISO 27001 compliant with the Pension Fund Regulatory and Development Authority (PFRDA), the government body that regulates pensions in India.
We never touch or hold your money directly, your investments go safely to your chosen pension fund through approved channels.
We are built with Zerodha as POP , ensuring transparency, data security, and peace of mind. Your retirement savings are protected by regulation and secured by technology.
We never touch or hold your money directly, your investments go safely to your chosen pension fund through approved channels.
We are built with Zerodha as POP , ensuring transparency, data security, and peace of mind. Your retirement savings are protected by regulation and secured by technology.
Why should I invest in NPS through PensionBox instead of directly or via another app?
Banks/POPs charges high fees on account opening & every investment
Even CRA apps have hidden charges/low transparency & lack timely support
Pension Funds restrict pension fund choice & selection to themselves.
That’s why, PensionBox brings transparency, zero charges, timely support and freedom to select any pension fund so that you get the best experience investing in NPS & be better future ready.
That’s not it, we help you & your company together to maximise contribution and tax savings with minimal charges & best user experience.
That’s why, PensionBox brings transparency, zero charges, timely support and freedom to select any pension fund so that you get the best experience investing in NPS & be better future ready.
That’s not it, we help you & your company together to maximise contribution and tax savings with minimal charges & best user experience.
How do I start using PensionBox, and what do I need to get started?
It’s super easy to use PensionBox, just start by signing up using your browser on laptop/mobile or downloading the app on appstore or playstore.
If you are an existing zerodha user then you get a fast login or sign up using kite ID.
Once you are onboarded with kite ID, you get free access to
If you are an existing zerodha user then you get a fast login or sign up using kite ID.
Once you are onboarded with kite ID, you get free access to
- Open NPS in 2 minutes
- Track existing NPS
- POP shift or CRA shifting
- Invest in one time or create SIP in NPS
- Withdraw NPS requests & instant withdraw tier 2
- Create your dream retirement plan
- Open NPS Vatsalya for your kid
- Share with HR (To unlock more tax benefits)
What are the tax benefits on PensionBox?
Tax Benefits in New Tax Regime
- Employer Contribution:
- Contributions made by your employer to your NPS account are tax-free up to 14% of your basic salary under Section 80CCD(2). Do connect us with your HR to enable this for you.
Tax Benefits in Old Tax Regime - Self-Contribution:
- Deduction up to ₹1.5 lakh under Section 80C.
- Additional deduction of ₹50,000 under Section 80CCD(1B) — exclusive to NPS investments!
- This allows you to claim a total deduction of up to ₹2 lakh every year on your NPS contributions.
- Employer Contribution:
- Contributions made by your employer to your NPS account are tax-free up to 10% of your basic salary (Basic + DA) under Section 80CCD(2). Do connect us with your HR to enable this for you.
- This is over and above your personal deduction limits, giving you extra tax efficiency.
Have more questions? Book a free call with us
We understand NPS can be confusing, complex and there is a lot of information out there to believe in. Don’t worry, our team is here to help you with the right information.
Feel free to book a free call to learn more about NPS, NPS Vatsalya, Corporate NPS & PensionBox or contact the support team.
Feel free to book a free call to learn more about NPS, NPS Vatsalya, Corporate NPS & PensionBox or contact the support team.
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