Nagpur · Corporate NPS
When the new tax regime removed most personal deductions, one NPS benefit survived: the deduction on the employer's contribution under Section 80CCD(2). That makes corporate NPS one of the few remaining ways a company can add real, tax-efficient value to a salary — often without increasing its own cost at all.
Nagpur · Corporate NPS
Why employers are looking at this again
The tax reason is new, and most companies have not caught up with it yet.
The one deduction that survived
Under the new tax regime an employee loses 80C and the extra ₹50,000 under 80CCD(1B). What remains is 80CCD(2) — the deduction on what the employer contributes. For staff who have moved to the new regime, this may be the only tax-efficient benefit left on the table.
It can be cost-neutral to the company
Corporate NPS is usually structured inside the existing CTC rather than on top of it. The employee gets a tax-efficient component in place of a fully taxable one, and the company's outlay does not change. The exact cap is a percentage of salary — confirm the current figure with your CA before designing the structure.
Low cost, and portable
NPS fund management charges are among the lowest of any managed product in India. The PRAN belongs to the employee and travels with them, so nothing is lost if they leave — which makes it a benefit rather than a retention handcuff.
Someone local to run the enrolment
The hard part of corporate NPS is not the paperwork, it is getting fifty employees to understand it well enough to opt in. We do the sessions in person in Nagpur, in whichever language the room prefers.
How a rollout works
- 01
A short call with finance or HR
Employee count, current CTC structure, and whether your staff are mostly on the old or the new tax regime. That last one decides how much this is actually worth to them.
- 02
Corporate registration
The company registers as a corporate under NPS and is issued its own registration number. This is a one-time step and lighter than most HR paperwork.
- 03
Employee sessions and enrolment
We run the explanation sessions, answer the questions honestly — including from the people for whom NPS is not worth it — and handle individual enrolment and PRAN issuance.
- 04
Payroll integration and annual review
Contributions run through payroll like any other component. We review annually, because tax rules change and a structure designed two Budgets ago may no longer be the best one.
Read the detail
The full NPS rules — tax, lock-in and exit
Where to find us
MIG-B, Shop Number 10, Ekta Apartment,Shanti Nagar Colony, Nagpur - 440002
Mon – Sat, 9:00 AM – 9:00 PM (12 hours daily support)
AMFI Registered · ARN 272635
Questions
Setting it up costs nothing meaningful, and the contribution itself is typically restructured within existing CTC rather than added to it. The real cost is administrative — a payroll line and an annual review — and it is small.
Krystal Capitals is an AMFI Registered Mutual Fund Distributor (ARN 272635), not a SEBI Registered Investment Adviser. This page is general information, not investment or tax advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
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Zero advisory fees · AMFI ARN 272635 · Nagpur