80ccd(2) deduction

This query is : Resolved

Quick Summary

Even under the new tax regime, you can claim deductions for your employer's NPS contributions (Section 80CCD(2)). If your tax software shows an error, it might be due to a glitch, especially if you also have capital gains income. The deduction limit is 14% of salary plus DA, capped by the employer's actual contribution. It's recommended to report such software issues with screenshots.

Rishi

Rishi (Querist)
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27 July 2025 r/ sir, i hv salary income+interest+dividend+a small amount of mutual funds icome (cg) with small amount of refund. can i get 80ccd(2) deduction under new regime ?

Dhirajlal Rambhia

Dhirajlal Rambhia (Expert)
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27 July 2025 Yes. If your employer contributes to your NPS account, you can claim that contribution as deduction under Section 80CCD(2) even if you opt for the new tax regime.

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Rishi

Rishi (Querist)
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27 July 2025 sir, but software showing this error while validate 'Deduction u/s 80CCD(2) (Contribution of employer) is not equal in Deduction page and Income from Salary->Employer Contribution u/s 80CCD'. i am filing according to form 16.

Dhirajlal Rambhia

Dhirajlal Rambhia (Expert)
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27 July 2025 The deduction allowed is maximum of the 14% of Salary+ DA, subject the amount contributed by employer in NPS Tier I account of employee.
Check the amount of contribution by employer in NPS account.

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Rishi

Rishi (Querist)
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27 July 2025 THANKS FOR REPLY SIR, ACCORDING TO SALARY, NPS AMOUNT IS CORRECT, CLIENT HAS MUTUAL FUNDS INCOME ALONG WITH SALARY SO IF I DELETE CAPITAL GAIN FROM THIS FORM THEN THERE IS NO ERROR. SIR, IT MEAN WE CAN'T TAKE (CG HEAD) WITH 80CCD(2) DEDUCTION ?

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Dhirajlal Rambhia

Dhirajlal Rambhia (Expert)
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27 July 2025 Both are different. Declaring CG income cannot change data in Schedule Salary. It is glitch in the software. Report the issue under 'Grievance' with both the screenshots.

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Dhirajlal Rambhia

Dhirajlal Rambhia (Expert)
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25 September 2025 Good luck...

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