NPS deductions

This query is : Resolved 

Quick Summary
If your employer doesn't currently deduct National Pension System (NPS) contributions, you can still open an individual NPS account. However, tax benefits for these contributions are generally only available under the old tax regime. For the new tax regime, your employer needs to deduct the NPS contribution directly from your salary under Section 80CCD(2) of the Income Tax Act to be eligible for tax benefits.

07 August 2025 "If my employer is not currently deducting NPS, but I open an individual NPS account and provide the account number to my employer, requesting them to deduct the amount from my salary towards the NPS account, will I be eligible for a tax benefit?"

07 August 2025 Only under old regime.
For New regime, employer should deduct it u/s. 80CCD(2) IT act.

24 September 2025 Good Luck...


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