Kuldeep Parashar

Founder at @PensionBox | Amazon Prime's Mission Startab | Backed By Zerodha's Rainmatter | Building Future of Retirement Benefits For Private Workforce

[Nithin Kamath @Nithin0dha]

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.

[Kuldeep Parashar @KuldeepBox]

NPS Exit Rules 2025 : No 5 Year Lock In, 20% Annuity & More https://t.co/l6zN9WKFgd

[Kuldeep Parashar @KuldeepBox]

@ActusDei Every year NPS gets better & kudos to @ChairmanPFRDA @PFRDAOfficial & the team behind this 👏

[Kuldeep Parashar @KuldeepBox]

@DarshanGowder @ActusDei It's time EPFO to give us option to switch to NPS directly 😄

[Kuldeep Parashar @KuldeepBox]

@paragcommonman @ActusDei How this can be problem? @PFRDAOfficial are making it better and this is great direction!

[Rainmatter by Zerodha @Rainmatterin]

Here’s an overview by @neeleshverma_ that dives further into why we think this matters.

https://t.co/HZWcacnVwD

[Kuldeep Parashar @KuldeepBox]

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

[Kuldeep Parashar @KuldeepBox]

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!

[PensionBox | Backed By Zerodha @PensionBox]

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!

[Kuldeep Parashar @KuldeepBox]

With @Rishav96agarwal at #GlobalFintechFest2025
Find @PensionBox (Day 2)

[Kuldeep Parashar @KuldeepBox]

@PavlinaGuncheva Interesting! he was able to generate this corpus with playing safe and consistent 👏

[Kuldeep Parashar @KuldeepBox]

@ETMutualFunds That's true as per NPS Trust Data!

[PensionBox | Backed By Zerodha @PensionBox]

Salary > 12 lakhs with New Tax Regime?
Ask your HR/Employer to do this!

NPS can help you save taxes in new & old tax regime with a twist!

@KuldeepBox started series on explaining everything we have learned in pension space!

Follow for more videos!

#NPSZaruriHai #NPSQuest

[Kuldeep Parashar @KuldeepBox]

@PFRDAOfficial is inviting you to submit comments or suggestions on NPS withdraw rules
(Last date to submit: 17 Oct 2025)

Proposed changes:
✅ Annuity reduced from 40% to 20%
✅ 6 Partial Withdrawals
✅ Keep money till 85 age
& more

Thoughts?

#PFRDA #NPS2025

[PensionBox | Backed By Zerodha @PensionBox]

Life in an hour glass ⏳

There are many ways to plan your retirement, NPS being the simplest way to do it!

Important part is, you are planning it before it's too late!

Linkedin: https://t.co/Zr6ONMrteh

@PFRDAOfficial #NPSZaruriHai

[PensionBox | Backed By Zerodha @PensionBox]

Cutest NPS Video Ever 🫶 (made by a techie)

Explains how corporate #NPS works, from hiring to retirement & beyond (#AIVideo)

@zerodha @ZerodhaVarsity @cto_pensionbox @KuldeepBox @PFRDAOfficial #NPSZaruriHai #NPSQuest

Ask your HR about NPS today!

[Varsity @ZerodhaVarsity]

You can soon invest 100% in equities in NPS. Yesterday, the PFRDA issued a circular with some major changes to its current structure: "Introduction of Multiple Scheme Framework."

It allows fund managers to launch new schemes, permits users to invest 100% in equity, and provides the option to withdraw early.

Here's a Varsity explainer with inputs from @PensionBox 👇

[Kuldeep Parashar @KuldeepBox]

@myfintax Free Snacks are not going to fund your retirement ask your HR to do better things like Corporate NPS.

[Kuldeep Parashar @KuldeepBox]

@perplexity_ai @PensionBox @grok fact check other ai apps!

[Kuldeep Parashar @KuldeepBox]

AI knows the best? @ChatGPTapp recommends @PensionBox for Corporate NPS for employees!

[Kuldeep Parashar @KuldeepBox]

@perplexity_ai keeps @PensionBox in Top 5 for Corporate NPS too and Ranked #1 for Best Pension App!