NPS

National Pension System

Overview

The National Pension System (NPS) is a retirement savings and investment scheme offered by the government in India. It allows individuals to save money during their working years, which is then invested in various financial instruments to grow over time. Upon retirement, the accumulated savings can be used to provide a source of income. NPS provide... Read more

Benefits

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15 Years Maturity
Minimum vesting period of 15 years, ensuring long-term wealth creation.
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Upto 100% Equity
Equity for potential higher returns, Debt for more stability.
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80CCD Tax Benefits
Tax benefits of up to 1.5 Lakh under 80CCD(1), 80CCD(1B) & 80CCD(2)
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100% Regulated
Regulated by PFRDA, a regulatory body of the Ministry of Finance.
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Super Flexible
Choose from ten different fund managers based on your risk profile.
Asset Allocation
Fund Allocation
Min
Max
Equity
0%
75%
Corporate Bonds
0%
100%
Government Securities
0%
100%
40+ Tier 1 Schemes
From 10+ pension fund managers
How PensionBox makes it better to do NPS & plan retirement.
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Open Account in 2 minutes
Fast, easy, and hassle-free — secure your financial future with NPS.
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Personalized & Flexible
Customize and manage your NPS account with ease and flexibility.
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More than NPS
Track PPF, EPF,FD and investments effortlessly along with NPS. Simplify your financial portfolio.
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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NPS Vatsalya: A Complete Guide - NPS for NRIs & OCIs: A Complete Guide - Lumpsum vs. SIP: What Really Determines Your Returns - Exploring NPS Swasthya: India's First Health Pension Account - A Step-by-Step Guide to Managing Your KFINTECH NPS Scheme Allocation Changes - Turn Daily Hustle Into a Lifetime Pension with NPS e-Shramik - The 100% Equity Upgrade: Unlocking the Full Power of Your NPS Savings - Corporate NPS Account Shifting : A Step-by-Step Guide - How to Claim Your PF Final Settlement — Step-by-Step Guide (Form 19) - How to Apply for Advance PF Withdrawal ? - How to Claim Your Pension Withdrawal Guide (Form 10C) - How to Merge Multiple EPF Member IDs Under One UAN - Corporate KYC Made Easy — Complete Your KYC on PensionBox Using Kite - How to Set Up Your Corporate NPS Contribution - Guide to Tracking Your Existing NPS or PRAN - How to OpenYour Corporate NPS Account : A Step-by-Step Guide - PFRDA Drops The Mic: Introducing 100% Equity with New Schemes in NPS - What happens when your child turns 18 under NPS Vatsalya? - What is Employers Contribution Limit in Corporate NPS? - How much should you invest in NPS Vatsalya for your child? - Can you have both EPF and Corporate NPS? - How much can you save in taxes with Corporate NPS? - Is NPS Vatsalya Safe for Long Term Investment? - NPS Vatsalya vs Sukanya Samriddhi Yojana: Which Is Better? - What are the benefits of starting a pension plan for your child? - How to Open Corporate NPS Account Online? - What is NPS Vatsalya Scheme for NRI? - What is NPS Vatsalya Scheme Maximum Contribution? - NPS Vatsalya Scheme Review 2026: Pros, Cons, Is It Good? - How to create SIP for NPS Vatsalya - What is NPS Vatsalya Scheme Lock In Period? - NPS Vatsalya Withdrawal Rules: Partial Withdrawal, Exit & Tax - What is NPS Vatsalya Scheme Minimum Investment? - What is NPS Vatsalya Scheme age limit? - How to use NPS Vatsalya Scheme Calculator Online? - What are NPS Vatsalya Scheme Interest rates - What is NPS Vatsalya Scheme? Eligibility, How to Open, Returns - What is Atal Pension Yojana? - Why we use in NPS corporate - Why corporate registration number for NPS
Tools & Resources
NPS Calculator - APY Calculator - PensionBox Calculator
Others
Better Retirement Planning - Pension Movement - One India One Pension - Elderly Rights Awareness - Digilocker - Comfortable Retirement - EPF Calculation - Life Insurance - AI in Fintech - Employee Retention - Track NPS Returns - Explore Types of NPS Accounts - Demystifying NPS Architecture - NPS Withdrawal Rules - All About National Pension System - Guide to NPS Registration - Maximize Savings With NPS Tax Benefits - All About NPS Tier 2 Account - Deductions Under Old & New Tax Regimes - Unified Pension Scheme (UPS) - UPS vs OPS vs NPS
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