Help Employees Take Home More Salary — Without Increasing Company Cost
Corporate NPS transforms a part of payroll into one of the most tax-efficient employee benefits. Floatr makes implementation effortless with digital onboarding, payroll integration and an HR portal that gets you live in just 3 days.
What Exactly Is Corporate NPS?
Corporate NPS is an employer-facilitated retirement savings program where contributions are made through payroll. It enables employees to save systematically while receiving additional tax benefits under Section 80CCD(2). With Floatr, the entire journey—from onboarding to monthly contributions—is fully digital for both employees and HR.
Some benefits disappear monthly. Some benefits grow yearly.
Why More Companies Are Introducing Corporate NPS
Few benefits feel valuable now and meaningful later.
Roll Out Corporate NPS In Just 3 Days
Employer Registration
We complete registration and setup with the required authorities.
Start RegistrationPayroll Configuration
Configure contribution heads and payroll workflow.
Configure PayrollEmployee Onboarding
Employees create or shift their PRAN digitally within minutes.
Onboard EmployeesHR Portal
Track onboarding, contributions and reports from one dashboard.
Open HR PortalMonthly Contributions
Payroll-linked contributions happen automatically every salary cycle.
Manage ContributionsEmployee Exit & Transfer
Manage exits, PRAN shifts and servicing digitally.
Manage Exit & TransferMaking Corporate NPS Simple for Employees and HR Teams
A payroll deduction today can become retirement dignity later.
Illustrative compounding examples only. Returns are market-linked.
Additional Tax Benefits Under Both Tax Regimes
Employer contributions under Corporate NPS continue to provide meaningful tax efficiency, making it one of the few employee benefits that remains valuable across tax regimes.
Old Regime
- Employee deductions — available as applicable under prevailing rules
- Employer NPS contribution — relevant under prevailing rules
- Salary structuring — strong planning value
New Regime
- Employee deductions — limited or changed vs old regime
- Employer NPS contribution — often remains highly relevant subject to rules
- Salary structuring — strong planning value
Tax rules may evolve. Employer contributions still matter.
Corporate NPS vs Individual NPS — Which Is Better For Salaried Employees?
| Factor | Corporate NPS | Retail NPS |
|---|---|---|
| Started By | Employer + employee | Individual |
| Employer Contribution | Yes | No |
| Payroll Linked | Yes | No |
| Employee Benefit Value | High | Personal only |
| Tax Planning Use | Strong | Good |
| Best For | Salaried workforce | Self-managed investors |
Retail NPS is self-planning. Corporate NPS adds employer power.
₹5,000 Benefit: A Small Payroll Benefit Today Can Create Meaningful Wealth Tomorrow
The same monthly amount can disappear in expenses—or compound into meaningful retirement wealth.
Cash Allowance
- Immediate spend — yes
- Long-term wealth — low
- Retention impact — medium
- Future corpus — none
Corporate NPS
- Immediate spend — redirected to corpus
- Long-term wealth — high
- Retention impact — strong
- Financial wellness — high
The same amount can feel small monthly—or powerful later.
*Illustrative 15-year compounding example only. Returns are market-linked.
No Lock-in : Flexible Withdrawal Rules Designed For Long-Term Investing
Corporate NPS offers long-term retirement savings with flexible withdrawal options under PFRDA regulations.
No Lock-in
One of the few tax-efficient retirement investments with no mandatory lock-in period.
15-Year Maturity
Employees can choose to exit after 15 years, making it suitable for early retirement planning.
Partial Withdrawals
Employees can make partial withdrawals from eligible personal contributions for specified life events.
Locked forever is a myth. Structured retirement access is the reality.
Rules subject to regulator updates.
Why Employees Value Corporate NPS
Employees remember employers who helped build their future.
High Value Benefit At Zero Cost
The smartest benefits are useful, measurable and appreciated.
Why HR Teams Choose Floatr
Purpose-built technology that delivers a seamless experience for both HR teams and employees.
For Employers
- Guided Implementation
- HR Admin Portal
- Payroll Ready
For Employees
- Digital NPS Onboarding
- Self-Service Experience
- End-to-End Support
Benefits work best when easy to run and easy to value.
Convert Salary Cycles Into Future Wealth
Launch Corporate NPS with Floatr and give employees a benefit that grows over time.