Making the coolest NPS platform to help you retire better! Plan, Track, Manage & Invest in NPS just 3 minutes 🚀 https://teapawt.net/t.co/PZaxZQREFY
India
Joined July 2021
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PensionBox | Backed By Zerodha retweeted
PFRDA marked another step towards fostering innovation in the pension ecosystem with the launch of ICICI PF NPS Swasthya Equity Plus, a unique pension scheme under the National Pension System (NPS), by ICICI Prudential Pension Funds Management Company Limited @iprupension
The scheme was formally launched by Shri S Ramann, Chairperson, PFRDA, along with Shri Randip Jagpal, WTM (Law), PFRDA, reaffirming the commitment to promoting innovative and citizen-centric solutions within the NPS framework, in the presence of senior leadership from key ecosystem partners.
🔹 Sumit Mohindra, Chief Executive Officer, ICICI Pension Fund Management Limited
🔹 Madhivanan Balakrishnan, Chief Executive Officer, Apollo HealthCo
🔹 Sreekanth Nadella, Managing Director & CEO, KFin Technologies Ltd.
#PFRDA #NPS #NationalPensionSystem #PensionReforms #FinancialSecurity #RegulatorySandbox #RetirementPlanning
PensionBox | Backed By Zerodha retweeted
PFRDA changed a bunch of rules for NPS last month, added hacks:
Can now withdraw upto Rs.5lakh tax free (keep contributing via Corporate NPS upto 5lakh,and keep withdrawing when you hit 5lakh.Restart under a new contribution,and repeat).Above 5lakh,80% tax free & rest is taxed
PensionBox | Backed By Zerodha retweeted
We’ve partnered with @PensionBox who have created a seamless online journey for HRs/Accounts teams to onboard (no charges),integrate payroll,and allow employees to select what % of salaries they would like to contribute & how much towards Equity & Debt
PensionBox | Backed By Zerodha retweeted
You can even transfer your existing NPS investments to @CoinByZerodha alongside your regular NPS investments. Kudos to @PensionBox team!
In FY25, around 72% of taxpayers chose the New Tax Regime. At @zerodha , that number was over 90%.
This shift makes sense. The new tax regime trades deductions for simpler filing and lower tax rates. For many—especially younger salaried taxpayers, avoiding paperwork-heavy exemptions matters more than maximising deductions.
With most deductions removed, salaried employees are left with the ₹75,000 standard deduction and one meaningful tax-saving option: the employer contribution to NPS, commonly called Corporate NPS.
Corporate NPS allows employers to contribute up to 14% of an employee’s basic salary (up to ₹7.5 lakh a year), which is fully deductible. It can be structured from existing salary, so employers don’t have to pay extra while employees still get the tax benefit. Employers may also choose to contribute on top, but it isn’t mandatory.
We’ve partnered with @PensionBox to make Corporate NPS fully digital, simplifying onboarding for HR teams and allowing employees to easily choose contribution levels and equity–debt allocation.
PensionBox | Backed By Zerodha retweeted
Love the move towards digitizing Corporate NPS with @PensionBox! Simplifying onboarding for HR teams and making contribution choices easier for employees is a game-changer. Do you think more companies will start adopting this digital approach? Could this become the new standard? 💻📈 #TaxSaving #CorporateNPS #DigitalTransformation
PensionBox | Backed By Zerodha retweeted
In FY25, around 72% of taxpayers chose the New Tax Regime. At @zerodha , that number was over 90%.
This shift makes sense. The new tax regime trades deductions for simpler filing and lower tax rates. For many—especially younger salaried taxpayers, avoiding paperwork-heavy exemptions matters more than maximising deductions.
With most deductions removed, salaried employees are left with the ₹75,000 standard deduction and one meaningful tax-saving option: the employer contribution to NPS, commonly called Corporate NPS.
Corporate NPS allows employers to contribute up to 14% of an employee’s basic salary (up to ₹7.5 lakh a year), which is fully deductible. It can be structured from existing salary, so employers don’t have to pay extra while employees still get the tax benefit. Employers may also choose to contribute on top, but it isn’t mandatory.
We’ve partnered with @PensionBox to make Corporate NPS fully digital, simplifying onboarding for HR teams and allowing employees to easily choose contribution levels and equity–debt allocation.
PensionBox | Backed By Zerodha retweeted
Another big NPS update: Annuity requirement cut from 40% to 20% (for non-govt employees)↘️
At its core, NPS works like this: you save some amount every year for retirement. When you turn 60, you can take out a lump sum, but a portion of the money must be used compulsorily to purchase an annuity. The idea was that this annuity would give you a lifelong pension.
Meanwhile, in the event of an emergency, NPS allows partial withdrawals, provided certain conditions are met.
Sounds simple, but the devil lies in its details.
Annuity products have not been particularly well-received, largely due to subpar returns. Investors wanted greater flexibility and control over their own investments.
So, here’s what’s changed in the exit rules for NPS.
Any questions? Leave a comment. Team @ZerodhaVarsity or @PensionBox will take them.
We are having an live Free QnA session for all NPS Queries Saturday 2 PM to 4 PM - 20th Dec 2025
(Will invite someone from PFRDA as well if we cross 500 registration)
@KuldeepBox
linkedin.com/events/nps2025-…
NPS Exit Rules 2025 - Private Sector
- Annuity reduced to 20%
- No Lock in (5 years)
- Exit 100% if corpus < 8 lakhs
- Loan against NPS is allowed
& More
@PFRDAOfficial @Rainmatterin @zerodha
PensionBox | Backed By Zerodha retweeted
Here’s an overview by @neeleshverma_ that dives further into why we think this matters.
zerodha.com/z-connect/rainma…
PensionBox | Backed By Zerodha retweeted
Most Indians will live 10–15 years beyond the traditional retirement age, yet crores still have no structured pension plan. NPS should have solved this; it's regulated, market-linked, and built for long-term security — but adoption has stayed low because the experience is broken for both individuals and companies. @PensionBox is fixing the plumbing, turning NPS from a difficult process into a seamless, fully digital system.
We’ve known @KuldeepBox and Shivam Parashar for a while, and their clarity on India’s retirement gap really stood out. At Rainmatter, we’re investing in PensionBox, and at @zerodha, we’re partnering with them to power our Corporate NPS offering. If we can make retirement infrastructure this simple, NPS can finally become the default for millions.
PensionBox | Backed By Zerodha retweeted
What do we really need from EPF/ @officialepfo ?
1. Let people opt out or stop EPF contributions
2. Let people move funds to NPS (100%)
3. Open EPFO APIs for people (Top 3 needs)
- UAN Balance API
- Raise Claim API
- Claim Status API
What else?
#EPFO #epforeforms
PensionBox | Backed By Zerodha retweeted
Life in an Hourglass - It’s never too late to plan for tomorrow.
Start your journey from work mode to relax mode with a smart retirement plan. Plan your retirement #NPS today!
Congratulations to our #NPSQuest Contest Winner for this thoughtful and impactful entry!
#PFRDA #NPSZaruriHai #RetirementPlanning #StartEarly
NPS Series #4: Let's hear from Mr. @rahul10bhagat (CEO, @dsppension )
PensionBox | Backed By Zerodha retweeted
Everyone hates 40% annuity exit in NPS? Watch & Learn!
Disclaimer: I am not an influencer, just a founder building pension startup for last 3 years sharing his learnings without any upsell/mis-sell/sponsored content! 🙌
One Video Every Day: Real content on real comments!
Product Feature: Introducing @PensionBox Rewards
Every time you take an action which will help you retire better!
✅ We help someone who needs help in their retirement
Video by @KuldeepBox!
PensionBox | Backed By Zerodha retweeted
All 10 pension fund managers launched new schemes during the recent NPS Diwas event.
All these schemes fall under the multiple scheme framework (MSF) introduced by PFRDA. Each fund follows a specific theme, and some allow up to 100% equity investment. This is in contrast to the existing structure, where equity allocation is capped at 75%.
Here’s a Varsity thread 🧵answering common questions, with inputs from @PensionBox
