{"id":7840,"date":"2026-07-07T14:20:59","date_gmt":"2026-07-07T08:50:59","guid":{"rendered":"https:\/\/1finance.co.in\/1f-dashboard\/?post_type=blog&#038;p=7840"},"modified":"2026-07-07T14:21:01","modified_gmt":"2026-07-07T08:51:01","slug":"nps-tax-benefits-80ccd","status":"publish","type":"blog","link":"https:\/\/1finance.co.in\/1f-dashboard\/blog\/nps-tax-benefits-80ccd\/","title":{"rendered":"NPS tax benefits: The extra \u20b950,000 under 80CCD(1B) (FY 2025-26)"},"content":{"rendered":"\n<p>The National Pension System (NPS) is one of the few investments that gives you a tax deduction beyond the \u20b91.5 lakh Section 80C limit. Its headline benefit is an extra \u20b950,000 deduction under Section 80CCD(1B). But NPS actually offers tax breaks under three different sections, and one of them works even in the new tax regime. This guide explains all three, how much you can claim, and how NPS is taxed when you withdraw.<\/p>\n\n\n\n<p>For how this fits your regime choice, see our <a href=\"https:\/\/1finance.co.in\/1f-dashboard\/blog\/old-vs-new-tax-regime-2026-which-one-saves-you-more\/\" target=\"_blank\" rel=\"noreferrer noopener\">old vs new tax regime<\/a> guide and our Section 80C guide.<\/p>\n\n\n\n<p><strong>Key takeaways<\/strong><\/p>\n\n\n\n<ul>\n<li>Section 80CCD(1B) ( renamed as section 123 in income tax act, 2025) gives an extra \u20b950,000 deduction for your own NPS contribution, over and above the \u20b91.5 lakh 80C limit.<\/li>\n\n\n\n<li>Combined with 80C, your own NPS contribution can give a total deduction of up to \u20b92 lakh \u2014 under the old regime.<\/li>\n\n\n\n<li>The employer&#8217;s contribution under 80CCD(2) is deductible in both regimes, up to 14% of salary in the new regime.<\/li>\n\n\n\n<li>Self-contribution deductions (80CCD(1) and 80CCD(1B)) apply only under the old regime.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">The three NPS tax sections at a glance<\/h2>\n\n\n\n<p>NPS gives tax benefits under three parts of Section 80CCD. Knowing which is which is the key to using them.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Section<\/td><td>What it covers<\/td><td>Limit<\/td><td>Available in<\/td><\/tr><tr><td>80CCD(1)<\/td><td>Your own contribution<\/td><td>10% of salary (20% of income if self-employed), within the \u20b91.5 lakh limit<\/td><td>Old regime<\/td><\/tr><tr><td>80CCD(1B)<\/td><td>Extra own contribution<\/td><td>\u20b950,000, over and above the \u20b91.5 lakh limit<\/td><td>Old regime<\/td><\/tr><tr><td>80CCD(2)<\/td><td>Employer&#8217;s contribution<\/td><td>Up to 14% of salary (new regime); 10% private \/ 14% government (old regime)<\/td><td>Both regimes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>All these deductions are for contributions to the NPS Tier-I account. The Tier-II account does not qualify (except for government employees under a locked-in option).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Section 80CCD(1): Your own contribution<\/h2>\n\n\n\n<p>Your own contribution to NPS is deductible under Section 80CCD(1), but this sits inside the \u20b91.5 lakh combined ceiling shared with Section 80C and 80CCC. The limit is 10% of salary (basic plus dearness allowance) for salaried people, and 20% of gross total income for the self-employed.<\/p>\n\n\n\n<p>Because it shares the \u20b91.5 lakh space, this part often gives no extra benefit if you already fill 80C with EPF, PPF, or insurance. That is where the next section matters.<\/p>\n\n\n<div class=\"cta-card wp-block-onefinance-cta-consultation-card\">\n\t<div class=\"cta-card__inner\">\n\t\t<div class=\"cta-card__content\">\n\t\t\t<div class=\"cta-card__left\">\n\t\t\t\t<div class=\"cta-card__avatars\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/d3eaaex9d02d1j.cloudfront.net\/Website_team\/Backend\/cta-qfas-20260112-070936-webp\" alt=\"cta-avatar\" \/>\n\t\t\t\t<\/div>\n\n\t\t\t\t<h3 class=\"cta-card__title\">Reduce overlap, minimise risk. Build your ideal portfolio<\/h3>\n\n\t\t\t\t<p class=\"cta-card__subtitle\">Let our Qualified Financial Advisors guide you<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"cta-card__right\">\n\t\t\t\t<div class=\"cta-card__form\">\n\t\t\t\t\t<label class=\"cta-card__label\">\n\t\t\t\t\t\tPhone Number\n\t\t\t\t\t\t<span class=\"cta-card__required\">*<\/span>\n\t\t\t\t\t<\/label>\n\t\t\t\t\t<div class=\"cta-card__phone-input\">\n\t\t\t\t\t\t<span class=\"cta-card__country-code\">+91<\/span>\n\t\t\t\t\t\t<input type=\"tel\" class=\"cta-card__input\" placeholder=\"Enter your phone number\" name=\"phone\" autocomplete=\"off\" \/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"cta-card__error-message\" style=\"display:none;\">\n\t\t\t\t\t\tPlease enter a valid number\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"background-border\">\n\t\t\t\t\t\t<div class=\"border-box\"><\/div>\n\t\t\t\t\t\t<div class=\"cta-card__button disabled ga4\" data-gatitle=\"Blogs_Desktop_BookaFreeConsultation\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"15\" viewBox=\"0 0 14 15\" fill=\"none\">\n\t\t\t\t\t\t\t\t<path d=\"M13.1383 10.3969L11.2514 8.41989C10.5776 7.71382 9.43201 7.99628 9.16247 8.91414C8.96031 9.54964 8.28644 9.90267 7.67996 9.76143C6.33224 9.40839 4.5128 7.57261 4.17587 6.08986C3.97371 5.45437 4.37803 4.7483 4.98451 4.53651C5.86053 4.25408 6.13008 3.05376 5.45621 2.34769L3.56939 0.370687C3.0303 -0.123562 2.22167 -0.123562 1.74996 0.370687L0.469621 1.71222C-0.810721 3.12436 0.604393 6.86654 3.77155 10.1851C6.93871 13.5036 10.5102 15.057 11.8579 13.6448L13.1383 12.3033C13.61 11.7384 13.61 10.8911 13.1383 10.3969Z\" fill=\"black\" \/>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\tBook a free consultation\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"background-border visible-mobile whatsapp-button\">\n\t\t\t\t\t<div class=\"border-box\"><\/div>\n\t\t\t\t\t<a class=\"cta-card__button ga4\" data-gatitle=\"Blogs_Mobile_BookaFreeConsultation\" href=\"https:\/\/api.whatsapp.com\/send?phone=917718801029&#038;text=Hey%2C%20I%20want%20to%20book%20my%20first%20free%20consultation.\" target=\"_blank\" rel=\"noopener noreferrer\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/d3eaaex9d02d1j.cloudfront.net\/Website_team\/Backend\/coloured_WhatsApp_1764479099.svg\" alt=\"whatsapp icon\" \/>\n\t\t\t\t\t\tBook a free consultation\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<p class=\"cta-card__helper\">\n\t\t\t\t\tYour first financial plan is <strong>free<\/strong>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<div class=\"cta-card__success\" style=\"display:none;\">\n\t\t\t<div class=\"cta-card__success-icon\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/d3eaaex9d02d1j.cloudfront.net\/Website_team\/Group+48098033.svg\" alt=\"Success\" \/>\n\t\t\t<\/div>\n\t\t\t<h3 class=\"cta-card__success-title\">\n\t\t\t\tThank you for showing interest!\t\t\t<\/h3>\n\t\t\t<p class=\"cta-card__success-subtitle\">\n\t\t\t\tWe will get back to you shortly.\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Section 80CCD(1B): The extra \u20b950,000<\/h2>\n\n\n\n<p>This is the standout NPS benefit. Section 80CCD(1B) gives an additional deduction of up to \u20b950,000 for your own NPS contribution, over and above the \u20b91.5 lakh limit. So a person who has already used the full \u20b91.5 lakh under 80C can invest \u20b950,000 more in NPS and claim it here \u2014 taking the total self-contribution deduction to \u20b92 lakh.<\/p>\n\n\n\n<p>This deduction is available only under the old regime. It is often used by taxpayers who have maxed out 80C and want to reduce their taxable income further.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Section 80CCD(2): The employer contribution that works in both regimes<\/h2>\n\n\n\n<p>Section 80CCD(2) covers the contribution your employer makes to your NPS account. This is the most valuable NPS benefit for two reasons: it is separate from the \u20b91.5 lakh limit, and it is the only NPS deduction available in the new regime.<\/p>\n\n\n\n<p>The limit depends on your regime and employer:<\/p>\n\n\n\n<ul>\n<li>New regime: up to 14% of salary (basic plus DA) for all employees, government or private. This was raised from 10% for private-sector employees, effective FY 2025-26, bringing parity with government employees.<\/li>\n\n\n\n<li>Old regime: up to 10% of salary for private-sector employees, and 14% for central and state government employees.<\/li>\n<\/ul>\n\n\n\n<p>There is an overall cap to keep in mind: the combined tax-free employer contribution to NPS, EPF, and superannuation cannot exceed \u20b97.5 lakh a year; anything above that becomes taxable.<\/p>\n\n\n\n<p>If your employer offers NPS as part of your CTC, this deduction can meaningfully lower your tax even in the new regime.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How much you can claim in total<\/h2>\n\n\n\n<p>Under the old regime, your own contributions can give up to \u20b92 lakh in deductions \u2014 \u20b91.5 lakh under 80C and 80CCD(1), plus \u20b950,000 under 80CCD(1B). On top of that, the employer contribution under 80CCD(2) adds more, separately.<\/p>\n\n\n\n<p>Under the new regime, you cannot claim your own contribution at all. The only NPS deduction is the employer&#8217;s contribution under 80CCD(2), up to 14% of salary.<\/p>\n\n\n\n<p>Example (new regime): Riya works in a private company with a basic salary of \u20b98 lakh. Her employer contributes 14% \u2014 \u20b91,12,000 \u2014 to her NPS account. She can claim the full \u20b91,12,000 under 80CCD(2), even in the new regime. Her own contribution of \u20b950,000 is not deductible under the new regime.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">NPS Vatsalya: For your child<\/h2>\n\n\n\n<p>From FY 2025-26, contributions to NPS Vatsalya \u2014 an NPS account a parent opens for a minor child \u2014 qualify for the \u20b950,000 deduction under Section 80CCD(1B). This is within the same \u20b950,000 limit, so a parent chooses to use it either for their own NPS or for the child&#8217;s Vatsalya account, under the old regime. The account converts into a regular NPS account when the child turns 18.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How NPS is taxed when you withdraw<\/h2>\n\n\n\n<p>The deductions come with rules at the other end:<\/p>\n\n\n\n<ul>\n<li>At retirement (age 60), up to 60% of the corpus can be withdrawn as a lump sum, tax-free.<\/li>\n\n\n\n<li>The remaining 40% must be used to buy an annuity. Buying the annuity is not taxed, but the pension you receive from it is taxable as income in the year you receive it.<\/li>\n\n\n\n<li>A partial withdrawal of up to 25% of your own contribution is tax-free, subject to conditions.<\/li>\n<\/ul>\n\n\n\n<p>So NPS is largely tax-free at withdrawal, except for the annuity income, which is taxed at your slab rate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Which regime makes NPS worthwhile?<\/h2>\n\n\n\n<p>NPS is useful under both regimes, but differently. Under the old regime, the self-contribution deductions, the \u20b950,000 under 80CCD(1B) especially, are a genuine reason to invest, on top of the retirement saving. Under the new regime, the self-contribution gives no deduction, so the tax reason to invest is the employer contribution under 80CCD(2). If your employer contributes to NPS, that benefit follows you into the new regime; if not, NPS in the new regime is a retirement decision rather than a tax one.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A note on retirement first, tax second<\/h2>\n\n\n\n<p>NPS is a retirement product with a long lock-in, not a short-term tax-saver. The \u20b950,000 deduction is real, but it comes with money tied up until 60 and a compulsory annuity at the end. Contribute to NPS because you want a low-cost, disciplined retirement corpus, and treat the deduction as a bonus. If you need flexibility or already save enough for retirement through EPF and other routes, do not lock in extra money only to claim the \u20b950,000. Let the retirement goal lead, and the tax benefit follow.<\/p>\n\n\n<div class=\"cta-card wp-block-onefinance-cta-consultation-card\">\n\t<div class=\"cta-card__inner\">\n\t\t<div class=\"cta-card__content\">\n\t\t\t<div class=\"cta-card__left\">\n\t\t\t\t<div class=\"cta-card__avatars\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/d3eaaex9d02d1j.cloudfront.net\/Website_team\/Backend\/cta-qfas-20260112-070936-webp\" alt=\"cta-avatar\" \/>\n\t\t\t\t<\/div>\n\n\t\t\t\t<h3 class=\"cta-card__title\">Reduce overlap, minimise risk. Build your ideal portfolio<\/h3>\n\n\t\t\t\t<p class=\"cta-card__subtitle\">Let our Qualified Financial Advisors guide you<\/p>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"cta-card__right\">\n\t\t\t\t<div class=\"cta-card__form\">\n\t\t\t\t\t<label class=\"cta-card__label\">\n\t\t\t\t\t\tPhone Number\n\t\t\t\t\t\t<span class=\"cta-card__required\">*<\/span>\n\t\t\t\t\t<\/label>\n\t\t\t\t\t<div class=\"cta-card__phone-input\">\n\t\t\t\t\t\t<span class=\"cta-card__country-code\">+91<\/span>\n\t\t\t\t\t\t<input type=\"tel\" class=\"cta-card__input\" placeholder=\"Enter your phone number\" name=\"phone\" autocomplete=\"off\" \/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"cta-card__error-message\" style=\"display:none;\">\n\t\t\t\t\t\tPlease enter a valid number\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"background-border\">\n\t\t\t\t\t\t<div class=\"border-box\"><\/div>\n\t\t\t\t\t\t<div class=\"cta-card__button disabled ga4\" data-gatitle=\"Blogs_Desktop_BookaFreeConsultation\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"15\" viewBox=\"0 0 14 15\" fill=\"none\">\n\t\t\t\t\t\t\t\t<path d=\"M13.1383 10.3969L11.2514 8.41989C10.5776 7.71382 9.43201 7.99628 9.16247 8.91414C8.96031 9.54964 8.28644 9.90267 7.67996 9.76143C6.33224 9.40839 4.5128 7.57261 4.17587 6.08986C3.97371 5.45437 4.37803 4.7483 4.98451 4.53651C5.86053 4.25408 6.13008 3.05376 5.45621 2.34769L3.56939 0.370687C3.0303 -0.123562 2.22167 -0.123562 1.74996 0.370687L0.469621 1.71222C-0.810721 3.12436 0.604393 6.86654 3.77155 10.1851C6.93871 13.5036 10.5102 15.057 11.8579 13.6448L13.1383 12.3033C13.61 11.7384 13.61 10.8911 13.1383 10.3969Z\" fill=\"black\" \/>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\tBook a free consultation\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"background-border visible-mobile whatsapp-button\">\n\t\t\t\t\t<div class=\"border-box\"><\/div>\n\t\t\t\t\t<a class=\"cta-card__button ga4\" data-gatitle=\"Blogs_Mobile_BookaFreeConsultation\" href=\"https:\/\/api.whatsapp.com\/send?phone=917718801029&#038;text=Hey%2C%20I%20want%20to%20book%20my%20first%20free%20consultation.\" target=\"_blank\" rel=\"noopener noreferrer\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/d3eaaex9d02d1j.cloudfront.net\/Website_team\/Backend\/coloured_WhatsApp_1764479099.svg\" alt=\"whatsapp icon\" \/>\n\t\t\t\t\t\tBook a free consultation\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<p class=\"cta-card__helper\">\n\t\t\t\t\tYour first financial plan is <strong>free<\/strong>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<div class=\"cta-card__success\" style=\"display:none;\">\n\t\t\t<div class=\"cta-card__success-icon\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/d3eaaex9d02d1j.cloudfront.net\/Website_team\/Group+48098033.svg\" alt=\"Success\" \/>\n\t\t\t<\/div>\n\t\t\t<h3 class=\"cta-card__success-title\">\n\t\t\t\tThank you for showing interest!\t\t\t<\/h3>\n\t\t\t<p class=\"cta-card__success-subtitle\">\n\t\t\t\tWe will get back to you shortly.\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently asked questions<\/h2>\n\n\n\n<p><strong>What is the tax benefit of NPS?<\/strong><\/p>\n\n\n\n<p>NPS gives deductions under three sections: 80CCD(1) for your own contribution within the \u20b91.5 lakh limit, 80CCD(1B) for an extra \u20b950,000 over that limit, and 80CCD(2) for the employer&#8217;s contribution. The first two are old-regime only; the employer one works in both regimes.<\/p>\n\n\n\n<p><strong>What is Section 80CCD(1B)?<\/strong><\/p>\n\n\n\n<p>It is an additional deduction of up to \u20b950,000 for your own NPS Tier-I contribution, over and above the \u20b91.5 lakh under Section 80C. It is available only under the old regime, and can take your total self-contribution deduction to \u20b92 lakh.<\/p>\n\n\n\n<p><strong>Is NPS tax benefit available in the new regime?<\/strong><\/p>\n\n\n\n<p>Only the employer&#8217;s contribution under Section 80CCD(2), up to 14% of salary, is available in the new regime. Your own contributions under 80CCD(1) and 80CCD(1B) are not deductible under the new regime.<\/p>\n\n\n\n<p><strong>How much is the employer NPS deduction under 80CCD(2)?<\/strong><\/p>\n\n\n\n<p>Up to 14% of salary (basic plus DA) in the new regime for all employees. Under the old regime, it is 10% for private-sector employees and 14% for government employees, subject to the overall \u20b97.5 lakh cap on employer contributions.<\/p>\n\n\n\n<p><strong>What is the total NPS deduction I can claim?<\/strong><\/p>\n\n\n\n<p>Under the old regime, up to \u20b92 lakh from your own contributions (\u20b91.5 lakh under 80C\/80CCD(1) plus \u20b950,000 under 80CCD(1B)), plus the employer contribution under 80CCD(2) separately.<\/p>\n\n\n\n<p><strong>Is NPS Vatsalya eligible for tax deduction?&nbsp;<\/strong><\/p>\n\n\n\n<p>Yes. From FY 2025-26, a parent&#8217;s contribution to a child&#8217;s NPS Vatsalya account qualifies for the \u20b950,000 deduction under Section 80CCD(1B), within the same limit, under the old regime.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sources and references<\/h2>\n\n\n\n<ul>\n<li>Income Tax Department, e-filing portal \u2014<a href=\"https:\/\/www.incometax.gov.in\"> incometax.gov.in<\/a><\/li>\n\n\n\n<li>NPS Trust \u2014<a href=\"https:\/\/npstrust.org.in\"> npstrust.org.in<\/a> and PFRDA<\/li>\n\n\n\n<li>Income Tax Act, 1961 \u2014 Sections 80CCD(1), 80CCD(1B), 80CCD(2), 10(12A), 10(12B)<\/li>\n\n\n\n<li>Employer contribution limit raised to 14% under the Finance Act, 2024, effective FY 2025-26<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Disclaimer<\/h2>\n\n\n\n<p>This guide is for general informational purposes and is accurate to the best of our knowledge as of June 2026. NPS returns are market-linked and not guaranteed, and withdrawal and tax rules can change. Individual circumstances vary. Please verify current details on incometax.gov.in and with the PFRDA, and consult a qualified Chartered Accountant or financial advisor before acting on any information here.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Retirement feels distant until tax season suddenly makes future you surprisingly interesting.<\/p>\n","protected":false},"featured_media":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_updated_date":"","_blog_featured_landing":false},"blog-category":[],"acf":{"alt_text":"","hash_tags":"","spotify-id":"","show_audio_player":false,"audio_title":"","audio_link":"","key_takeaway":"","article_sources":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NPS tax benefits explained: Sections 80CCD(1), 80CCD(1B) and 80CCD(2)<\/title>\n<meta name=\"description\" content=\"Learn how NPS tax benefits work under Sections 80CCD(1), 80CCD(1B), and 80CCD(2), including deductions, limits, and old vs new tax regime rules.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/1finance.co.in\/blog\/nps-tax-benefits-80ccd\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NPS tax benefits explained: Sections 80CCD(1), 80CCD(1B) and 80CCD(2)\" \/>\n<meta property=\"og:description\" content=\"Learn how NPS tax benefits work under Sections 80CCD(1), 80CCD(1B), and 80CCD(2), including deductions, limits, and old vs new tax regime rules.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/1finance.co.in\/blog\/nps-tax-benefits-80ccd\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogs\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-07T08:51:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/d3eaaex9d02d1j.cloudfront.net\/assets\/ogimage\/Blog.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@1FinanceHQ\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/1finance.co.in\/blog\/nps-tax-benefits-80ccd\/\",\"url\":\"https:\/\/1finance.co.in\/blog\/nps-tax-benefits-80ccd\/\",\"name\":\"NPS tax benefits explained: Sections 80CCD(1), 80CCD(1B) and 80CCD(2)\",\"isPartOf\":{\"@id\":\"https:\/\/1finance.co.in\/blog\/#website\"},\"datePublished\":\"2026-07-07T08:50:59+00:00\",\"dateModified\":\"2026-07-07T08:51:01+00:00\",\"description\":\"Learn how NPS tax benefits work under Sections 80CCD(1), 80CCD(1B), and 80CCD(2), including deductions, limits, and old vs new tax regime rules.\",\"breadcrumb\":{\"@id\":\"https:\/\/1finance.co.in\/blog\/nps-tax-benefits-80ccd\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/1finance.co.in\/blog\/nps-tax-benefits-80ccd\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/1finance.co.in\/blog\/nps-tax-benefits-80ccd\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/1finance.co.in\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blogs\",\"item\":\"https:\/\/1finance.co.in\/blog\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"NPS tax benefits: The extra \u20b950,000 under 80CCD(1B) (FY 2025-26)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/1finance.co.in\/#website\",\"url\":\"https:\/\/1finance.co.in\/\",\"name\":\"1 Finance\",\"description\":\"Our single focus, to get you to re-imagine your Personal Finance What does this mean ? 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