Companies are restructuring salaries with Corporate NPS as employees shift from HRA claims. Experts confirm rising interest in this tax-saving option since April 2025.
Trend
Corporate NPS allows 14% tax-free contribution vs 10% in old regime. Employees earning ₹12-14L can reduce taxable income below exemption limits smartly.
Benefit
Companies are moving special allowances to NPS in CTC. This converts taxable components into tax-free investments, boosting take-home salary legally.
Strategy
Ideal for employees not claiming HRA. Those paying rent <₹85,000/month gain more in new regime. High earners (>₹24L) may prefer old system for HRA benefits.
Eligibility
Paying rent to parents? Ensure proper rent agreements and receipts. Sudden rent hikes may trigger IT scrutiny under Section 143(3) for tax evasion.
Caution
New NPS regime beats old system for most mid-income employees. Only high rent-payers (₹85k+/month) benefit more from HRA claims in old structure.
Comparison
Consult your HR/CA to restructure salary with NPS. Check if shifting to new regime saves more tax based on your rent and income levels.
Action
लाडली बहना योजना की 24वीं किस्त – 15 तक मिलेगा ₹1250!