Our Story
Has
Two brothers (one who loves to talk & another who loves to code) from a small town came together to build India’s first & one of a kind digital pension platform.
Sounds filmy enough?
Sounds filmy enough?
watch now
Our Investors
News & Articles
01
Happily Lived Together
Two brothers (Our Founders) born & bought up as landlord’s (Zamidaar’s) great grandsons in a large joint family somewhere in a small town named Tundla, Uttar Pradesh.
As most 90s kids from small town saw the big transition from Joint family to nuclear family, wealth to middle income family and parents doing everything to make sure we study & get a good Job. That’s what they both did “Landed well paying jobs” and lived happily together.
Till a point when something unusual happened “The Great Resignation”
Till a point when something unusual happened “The Great Resignation”
02
The Great Resignation
It’s a big deal in Indian families to talk about leaving a well paying job, at least it was for our founders.
Kuldeep after working in US retirement Industry with Fidelity Investments, started looking at India & his own parent’s retirement. He was sure that it’s a massive financial & social problem to solve and with Shivam backing his vision they can solve it together.
They both decided it’s time to talk about this at home & plan the “Great Resignation”. It was not easy but their parents are supportive & understood PensionBox better than them.
03
First 360 Days
Tundla Junction, That’s where both founders were born & bought up! Now pros of starting up from your hometown is low cost, home food & comfort.
Cons were something they never anticipated, lack of connectivity, uncooperative banks who refused to open their current account for months as it was a fintech from a small town. Covid 2nd wave made everything worst than they expected.
First 360 days tested their persistence and they stood strong to always find a way.
04
Our Growth Year
In 2021, PensionBox raised $260,000 in pre-seed funding from 100X.VC, Let’s Venture & angel investors with $260,000 to build the product & hire a team.
Next came the spotlight — featured on Amazon Prime’s Mission StartAb, named a Top Performing Startup, and listed by Inc42 among the Top 30 Startups to Watch.
In 2024, Nithin Kamath and Rainmatter joined us in our seed round, backing our mission to transform retirement in India.
Read More
05
Future of Pension
PensionBox is the future of Pension in the 21st Century.
With a strong team & impactful vision to improve the way Indians retire, watch us solve the “The Great Retirement Crisis” using technology & at scale for the world. ”
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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