INCOME TAX · DEDUCTIONS AND SAVINGS
NPS and Section 80CCD(1B): Understand the Extra ₹50,000 Deduction
Separate your own NPS contribution from employer contributions and check which benefits survive under the new regime.
By Vyapar Setu Online | Deductions and savings · 26 October 2026
Income Tax learning series · Deductions and savings · Article 13 of 27
NPS has more than one tax provision. The most useful first step is to separate money you contribute yourself from money your employer contributes for you.
Year guide: Numerical limits, examples and familiar section numbers in this article refer to FY 2025–26 / AY 2026–27 under the Income-tax Act, 1961, unless stated otherwise. Income from 1 April 2026 belongs to Tax Year 2026–27 under the Income-tax Act, 2025, with corresponding provisions and numbering. Check the year before applying a rule. Official transition guidance.
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For learning and preparation. Verify the rules and official guidance for your period and circumstances before making a filing or tax decision.
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