Question 1

What is 80CCD(1B)?

Accepted Answer

It is the additional ₹50,000 NPS deduction available over and above the regular 80C cap.

Question 2

Is NPS better than PPF for tax saving?

Accepted Answer

NPS offers the extra ₹50,000 deduction, while PPF is limited within 80C.

Question 3

Can salaried people claim both 80CCD(1) and 80CCD(1B)?

Accepted Answer

Yes, subject to the salary-linked and statutory limits.

Question 4

Does this show employer NPS contribution?

Accepted Answer

No. This page focuses on employee contribution under 80CCD(1) and 80CCD(1B).

Question 5

Is NPS contribution useful under new regime?

Accepted Answer

The extra deduction is most relevant when you are planning under the old regime.

NPS Tax Benefit Calculator India 2026-27

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