How to manage NPS corporate contribution
Your employer's Corporate NPS contribution shows up as a separate line in your NPS transaction statement — labelled as the employer or corporate contribution against your PRAN. You can see it three ways: log in to your CRA (Protean, KFintech or CAMS), open the CRA's mobile app, or link the PRAN on PensionBox and see employer and own contributions split automatically. Credits normally appear within a few working days of the payroll remittance.
Not seeing an employer contribution at all? Your company may simply not have registered for Corporate NPS for employers yet — setup is free and takes a few days.
Where to check your corporate NPS contribution
| Where | What you need | What you see |
|---|---|---|
| Your CRA's web portal (Protean CRA, KFintech CRA or CAMS CRA) | PRAN + password (or OTP login) | Transaction statement with every credit, split into employer and subscriber contributions |
| Your CRA's mobile app | Same login | Holding summary + contribution history |
| PensionBox dashboard | PAN + PRAN, one-time link | Employer vs own contribution, month by month, with alerts when a month is missing |
| Employer's payroll / HR portal | Company login | Amount deducted and the employer share for the month (not the credit to the PRAN) |
How do I check it on the CRA portal?
Step 1: Find your CRA
Every PRAN sits with one Central Recordkeeping Agency. It is printed on your PRAN card and welcome email; corporate accounts opened through PensionBox are on KFintech.
Step 2: Log in with your PRAN
Use the PRAN and password (or OTP) on the CRA's subscriber portal. First-time users generate a password with the PRAN and date of birth.
Step 3: Open the transaction statement
Go to Transaction Statement (or Holdings → Contribution details), pick the financial year, and download it.
Step 4: Read the contribution type
Each credit carries a type. Look for the line marked as the employer / corporate contribution; your own payroll deduction appears as the subscriber / employee contribution. The two are shown separately so that 80CCD(2) (employer share) and 80CCD(1)/(1B) (your share, old tax regime only) can be claimed correctly.
How do I check it on the NPS mobile app?
Install your CRA's NPS app, log in with the PRAN, and open Contributions or Transaction history. The app shows the same split as the portal and lets you download the statement as a PDF.
How do I check it on PensionBox?
- Log in to PensionBox and link your NPS with your PAN and PRAN.
- The dashboard shows employer contribution and your contribution as separate rows for every month.
- Turn on alerts — PensionBox flags a month where the employer credit has not arrived.
If your company runs Corporate NPS on PensionBox, the employer's monthly file and your PRAN credits are reconciled in the same place, so a missing month is visible before you file your return.
When does the employer contribution reach my PRAN?
Payroll deducts the amount, the company's nodal officer uploads the monthly contribution file and remits the money through the POP, and the CRA credits units to your PRAN. End to end this usually takes a few working days after the remittance date; if a month is missing after two weeks, raise it with your nodal officer first.
What should I verify every quarter?
- Amount — matches the employer share in your CTC (typically a percentage of basic + DA).
- Frequency — a credit for every month, no gaps.
- Type — employer share is marked as employer, not as your own contribution (this affects which section you claim it under).
- Tax — total employer contribution for the year is what you claim under 80CCD(2): deductible up to 10% of basic + DA in the old regime and 14% in the new regime (Section 124 of the Income-tax Act, 2025 from FY 2026-27).
Run the employer share through the NPS calculator to see what it compounds into by 60.
FAQs
My employer contribution is not showing in the statement. What do I do?
Check the remittance date with HR first; credits take a few working days. If it is still missing, the nodal officer can trace the file with the POP/CRA. Keep your payslip as proof of deduction.
Does the employer contribution show in Form 16?
Yes — it appears in salary (as a perquisite) and again as the 80CCD(2) deduction, so the net effect is zero tax on it up to the limit.
Can I see contributions from a previous employer?
Yes. The statement is for the PRAN, not the employer, so every credit since the account opened is there.
What is the ₹7.5 lakh limit I keep hearing about?
If the employer's combined contribution to PF, NPS and superannuation crosses ₹7.5 lakh in a year, the excess is taxed as a perquisite. Below that, the NPS share is fully deductible within the 10%/14% limit.
Is the employer's share credited to Tier I or Tier II?
Tier I. Corporate contributions always go to the retirement (Tier I) account.
Want Corporate NPS at your workplace? It cuts both your tax and your employer's — at no extra cost to them. Show your HR PensionBox. See how Corporate NPS works →
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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.
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.
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.
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)
- 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.
Feel free to book a free call to learn more about NPS, NPS Vatsalya, Corporate NPS & PensionBox or contact the support team.
