80ccd(2) deduction

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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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