PensionBox BlogsEverything you need to know about PensionBox’s co-creators community

Everything you need to know about PensionBox’s co-creators community

05 Sep 20263 min read
Written By
Kuldeep Parashar
Kuldeep Parashar
PensionBox

What is co-creation?

Co-creation is the process of building a solution to solve a major problem with the people who are facing it. Imagine a shoe company that creates shoes for the athletes according to their requirement as per their feedback, being well versed with details regarding their comfort and challenges beforehand and catering product accordingly.
Won’t they make better shoes? Chances are, they will.

How does it work?

For decades, companies have made products first and then sold them to the users through marketing & advertising. Some companies did great and some didn’t.
Co-creation bridges the gap between a company & its customers.Companies know about their customer’s need and the customers see the product in making from day one.

  • With PensionBox, users can use the link: www.pensionbox.in/getearlyaccess to create their early access ticket.
  • Post sign up, you will receive an introduction call from our founders or core team members.
  • After the call, we help early users to become a part of our co-creators community who help us build PensionBox with feedback & requirements.

What are the benefits for early users?

First & foremost, You are more likely to build the right product.
Isn’t that the whole point? Every company & founder spends hours figuring out the needs of their customers.
5 Benefits for users to help companies as co-creators

  • Early access to all the features & product
  • Access to the founding team
  • See the product in making
  • Power to voice your thoughts & make an impact
  • Be part of a larger initiative

To be honest, there are some benefits for us (companies as well)

  • A better understanding of user’s need
  • Less time spend on iterations or changes
  • Better product-market fit from early days

Why should you build PensionBox with us?

PensionBox is India’s first digital pension platform that helps people like us to plan for a better future.
At PensionBox, we are solving the great Indian retirement & pension problem for millions of Indian people. We believe our people can stay financially independent in their most vulnerable years (old age). We are doing it by joining hands with people who want to solve the problem with us as our co-creators!

  • We ask them what they feel about retirement?
  • Why are they saving for retirement & how?
  • If not then why so? & so on…

Future of creation is co-creation & Future of Pension is PensionBox!
Do we need more reasons? We don’t think so.
Welcome aboard!

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support@pensionbox.in
Published By
PensionBox

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Frequently asked questions
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.
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.
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.
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
  • 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)
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.
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.
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