NPS Tax Planning
Use NPS where it actually saves tax — and know what happens at exit
- 1CheckCurrent contributions and regime.
- 2PlanBest NPS use for you.
- 3ActEmployer or own contributions set.
Share your details. We’ll reply on WhatsApp with the next steps and a checklist.
Pick a plan — the fee is adjusted if you hire us within 30 days.
About NPS Tax Planning
A clear overview, in simple terms — what it is, why it matters, and how we handle it.
NPS gives an extra ₹50,000 deduction under Section 80CCD(1B) in the old regime, and employer contributions up to 14% of salary under 80CCD(2) are deductible even in the new regime. At exit, 60% of the corpus is tax-free; since December 2025 non-government subscribers can take up to 80% as a lump sum, with at least 20% in an annuity, and the annuity income is taxable.
For many employees in the new regime, employer NPS is the single most useful salary-restructuring option. We check whether your employer offers it, how much it saves, and how it fits your retirement plan.
| 80CCD(1B) | Extra ₹50,000 (old regime) |
|---|---|
| 80CCD(2) | Employer contribution up to 14% of salary (new regime) |
| Exit lump sum | 60% tax-free; non-government subscribers may take up to 80% since Dec 2025 |
| Annuity | Minimum 20% for non-government subscribers; annuity income taxable |
Who this is for
Common scenarios where this service is a good fit.
- Salaried employees
- Employers designing salary structures
- Self-employed planning retirement
What you get
Clear deliverables so you know exactly what's included.
- Regime-wise NPS benefit
- Employer NPS structuring
- Exit and withdrawal planning
Expert review before every submission — not just data entry.
Working notes and reconciliations you can rely on in future notices.
Resident Indians, NRIs, expats and cross-border businesses — all served.
Documents required
A practical checklist. We'll tell you if anything else is needed based on your case.
* This is a base checklist. After a quick pre-check, we may ask for additional items specific to your case.
Process
A simple, trackable workflow — designed to avoid back-and-forth.
Current contributions and regime.
Best NPS use for you.
Employer or own contributions set.
Get a quote
We share a clear quote on WhatsApp after a quick checklist pre-check.
- Fixed fee; free with ITR filing when booked before March.
| Factor | DIY | Indus Tax |
|---|---|---|
| Expert review | ❌ | ✅ |
| Notice risk reduction | ❌ | ✅ |
| Deduction optimisation | ❌ | ✅ |
| Audit-ready records | ❌ | ✅ |
| AIS/26AS reconciliation | ❌ | ✅ |
Share your facts and deadline. We'll reply with the right checklist and a clear quote.
Fee adjusted against our service fee if you go ahead within 30 days.
- Priority CA Call-backSkip the queue — a CA calls you within 30 minutes.₹255
- RecommendedCA Consultation (30 min)Talk one matter through properly with a CA.₹755
- In-depth CA Review (60 min)Documents reviewed before the call, written action plan after.₹1,155
Call-backs run Mon–Sat, 9 AM–6 PM IST. Booked outside these hours? We call you first thing the next working morning.
Compare the 3 plansFrequently asked questions
Answers to the most common questions we get.
This page also covers
- Employer NPS
- Salary restructuring under the new regime.
Official sources
Indus Tax is a private professional services firm and is not affiliated with any government authority. Rules and fees change — we confirm current positions before filing.
