Corporate NPS for Employers
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Offer Corporate NPS to your employees: employer contributions are tax-free up to 14% of Basic + DA under Section 80CCD(2), at zero cost to your company.
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Trusted by 300+ Companies & 2,00,000+ Indians
How Does Corporate NPS Benefit Employers?
Employer contributions are deductible as a business expense.
Zero setup and zero running cost — no trust, no fund administration, no AMC fees.
Better retention — a pension benefit signals long-term investment in employees.
Fully digital onboarding with PensionBox — go live in days, not months.
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For Employees
Corporate NPS is the simplest way to put your team's financial well-being first: a pension that both you and your employees contribute to.
PensionBox lets your employees plan for retirement, track their Corporate NPS contributions and make tax-saving investments in one user-friendly platform.
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Tax Benefits
Employees save more tax with Corporate NPS. The employer's contribution is tax-free up to 14% of Basic + DA (new regime) or 10% (old regime) under Section 80CCD(2).
PensionBox optimizes retirement savings with our AI insights to ensure maximum tax savings.
Corporate NPS &
more at no cost
There is more to better retirement benefits than EPF alone: Corporate NPS runs alongside it.
PensionBox charges your company nothing to roll out and manage Corporate NPS. Employees pay only the small NPS charges set by PFRDA.
Dynamic & Personalized
Planning
Every retirement is unique and that’s why PensionBox empowers your employees to make their own dream retirement plan.
Choose employer-only, matched or opt-in contributions, and let each employee pick their pension fund and equity mix in Corporate NPS.
Transparent & Regulated PricingSecure, Powerful & Regulated
Corporate NPS is regulated by PFRDA, and PensionBox's cloud-based platform keeps it secure, scalable & user-friendly.
Privacy is non negotiable for us. We ensure your data & information is encrypted & secure at all times.
Why Choose PensionBox
(Corporate NPS Model)
Access to all pension funds & better user experience at zero cost.
FREE
Personalised Advisory Call
100% Digital
Corporate NPS For HRs
NPS, EPF & More
Features & Pension Products
Within 24 hours
Response Time & Support
Integrations/APIs
Yes - HRMS/Payroll
Banks & CRAs
Fee Applicable
Personalised Advisory Call
100% Manual
Corporate NPS for HRs
Limited to NPS
Features & Pension Products
7 to 15 Days
Response time & Support
Integrations/APIs
Not Available
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Your setup journey
How to set up Corporate NPS for your company
5 simple steps from first call to money in your employees' NPS accounts — with your registration complete in just 48 hours.
- Quick call with our teamBook a demo call
- CHO registrationRegister your company for Corporate NPS
- Online KYC · PRAN generatedOnboard your employees
- Paid to Zerodha, your POPMake your Corporate NPS contribution
- Straight into their PRANNPS credited to employees
Employee's NPS accountRetirement savings, live
Ready to offer Corporate NPS?
Give your team tax-efficient retirement savings — we handle the rest.
One Vision,
2,00,000+ Stories
2,00,000+ Stories
Every time we hear a new story, it inspires us.
Hope they inspires you as well.
Hope they inspires you as well.
Over 1.8 crore users have already created
their NPS stories for a golden retirement.
their NPS stories for a golden retirement.
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Frequently asked questions
Is Corporate NPS mandatory for private sector employees?
No. Corporate NPS is a voluntary program the employers and employee can enroll in, to build a secure retirement and save taxes.
Under Corporate NPS is employer's contribution taxable?
The employer's contribution is tax-free for the employee up to 14% of Basic + DA in the new tax regime and 10% in the old regime, under Section 80CCD(2). It also counts towards the ₹7.5 lakh yearly cap on employer contributions to NPS, EPF and superannuation combined. Anything above either limit is taxed as salary.
What charges apply to Corporate NPS?
PensionBox does not charge any setup or platform fee for Corporate NPS. All charges are set by PFRDA, apply to every NPS account, and are mostly deducted from the subscriber's corpus. The PoP charges a one-time onboarding fee of ₹100 per PRAN and an annual fee of 0.20% of assets under management (AUM). This annual fee is adjusted through the NAV every quarter and is waived for dormant accounts. All figures are maximum limits set by PFRDA, exclude 18% GST, and may be revised from time to time.
What are CHO and CBO codes in NPS?
When a company registers for Corporate NPS, the CRA assigns it a CHO (Corporate Head Office) registration number. The CHO is the company's main identity in NPS and oversees all NPS activity for its employees.
Each office that handles employee registrations and uploads contributions is registered as a CBO (Corporate Branch Office) and gets its own CBO registration number. A company can have several CBOs, for example one per location or payroll unit. Smaller companies usually have just one CBO, which is the head office itself.
Every employee's PRAN is linked to their employer's CHO and CBO codes. This is how contributions are credited to the right accounts and how the company's NPS records are kept together.
Each office that handles employee registrations and uploads contributions is registered as a CBO (Corporate Branch Office) and gets its own CBO registration number. A company can have several CBOs, for example one per location or payroll unit. Smaller companies usually have just one CBO, which is the head office itself.
Every employee's PRAN is linked to their employer's CHO and CBO codes. This is how contributions are credited to the right accounts and how the company's NPS records are kept together.
How can I tell whether my NPS account is corporate or individual?
You can check your account type on your NPS transaction statement or by logging in to your PensionBox. A Corporate NPS account shows your employer's name along with its CHO and CBO registration numbers, which confirms the account is linked to your company. An individual account is registered under the All Citizen model and show POP details and POP-SP code. If you are unsure, your employer's HR team or your Point of Presence can confirm the account type for you.
How do I transfer my NPS account from one employer to another?
Your PRAN is portable and remains the same throughout your career, so changing jobs or resigning does not close your NPS account. When you join a new employer that offers Corporate NPS, you share your existing PRAN with them, and they shift it to their own corporate registration through a shifting request with the CRA. If your new employer does not offer Corporate NPS, you can move your account to the individual (All Citizen) model and continue contributing on your own. Your savings remain invested throughout the transfer, and your investment history is carried over without any break
Can an employer contribute to both NPS and EPF?
Yes, an employer can contribute to both NPS and EPF for the same employee. However, the tax exemption on these contributions is shared. Employer contributions to NPS, EPF and superannuation funds are together tax-free up to ₹7.5 lakh a year, and any amount above this limit is taxed as a perquisite in the employee's hands. Within this overall limit, the employer's NPS contribution is also deductible under Section 80CCD(2), up to 14% of basic salary and DA under the new tax regime and 10% under the old regime.
How can I check my employer's contribution in NPS?
You can view your employer's contributions in your NPS transaction statement, which is available by logging in to your CRA or on PensionBox app. The statement lists employer and employee contributions separately for each month, so you can confirm that every contribution has been credited. If your company offers Corporate NPS through PensionBox, you can also track both contributions in the PensionBox app
How do I convert my individual NPS account to Corporate NPS?
To convert your individual NPS account to Corporate NPS, share your existing PRAN with your employer. Your employer then submits a request to shift the account from the individual (All Citizen) model to the company's corporate registration. You do not need to open a new account, and your PRAN, accumulated savings and investment history remain unchanged after the conversion. Once the shift is complete, your employer's contributions are credited to the same account
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