EPF
Employee Provident Fund
Overview
Employee Provident Fund (EPF) is a government-backed initiative designed to help individuals save for their retirement, providing a safety net for life after work. With mandatory contributions from both employees and employers, EPF plays a crucial role in building a secure financial foundation.Take control of your financial future with PensionBox!... Read more
Benefits
1
Tax Benefits
Section 80C allows tax savings on investments, up to ₹ 1.5 lakh
2
Assured Rate of Returns
EPF offers Fixed interest rate ensuring predictable earnings.
3
Partial Withdrawal
withdraw PF funds for education, housing, weddings, medical etc.
4
Employer’s Match
Employer's contribution of 8.33% builds a strong retirement fund
5
Portable & Unique
PF is portable with same UAN, simplifying transfer between jobs.
Where does the money go?
How PensionBox makes it better to Track EPF & Invest better in NPS
Track EPF in 60 seconds
Track your EPF effortlessly with our fast and secure process, ensuring your data is well protected.
Get Assistance in EPF Claims
In addition to EPF tracking, PensionBox offers seamless access to all PF services, including withdrawals.
More than EPF
Get real-time EPF updates, monitor contributions, and check account balances easily.
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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