NPS

National Pension System

Overview

National Pension System (NPS) Tier 2 is a flexible and voluntary investment account designed to complement your retirement savings strategy. Unlike the mandatory Tier 1 account, NPS Tier 2 offers more liquidity and freedom in managing your contributions and investments.It serves as an ideal choice for individuals seeking an efficient and hassle fr... Read more

Benefits

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No Lock-In Period
Total liquidity, no lock-in, access your funds penalty-free.
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Upto 100% Equity
Equity for potential higher returns, Debt for more stability.
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Low-Cost Structure
NPS Tier 2 has low fees, still providing very good returns.
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Risk Management
Equity for potential higher returns, Debt for more stability.
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Flexibility
Contribute and withdrawal as per your savings and financial goals.
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Easy NPS Tier 1 Transfer
Migrating from NPS Tier 2 to Tier 1 is seamless; easy fund transfers.
Asset Allocation
Fund Allocation
Min
Max
Equity
0%
75%
Corporate Bonds
0%
100%
Government Securities
0%
100%
40+ Tier 2 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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