{"id":3629,"date":"2026-01-15T20:10:00","date_gmt":"2026-01-15T14:40:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=3629"},"modified":"2026-01-15T15:55:06","modified_gmt":"2026-01-15T10:25:06","slug":"how-to-save-over-2-lakh-in-tax-even-if-youve-already-used-1-5-lakh-80c-limit","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/how-to-save-over-2-lakh-in-tax-even-if-youve-already-used-1-5-lakh-80c-limit\/","title":{"rendered":"How to Save Over \u20b92 Lakh in Tax, Even If You\u2019ve Already Used \u20b91.5 Lakh 80C Limit"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em><strong>Synopsis<\/strong>: Many taxpayers assume that after exhausting the limits under Section 80C, there is no further scope for tax savings. This article explains why that assumption is incorrect and how the National Pension System (NPS) can help individuals save up to \u20b92 lakh or more in additional tax deductions under the Old Tax Regime. It covers the limitations of Section 80C and illustrates how NPS can help in gaining more tax deductions.\u00a0<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>Most salaried taxpayers in India believe their tax-saving journey ends once they exhaust Section 80C\u2019s \u20b91.5 lakh limit through EPF, ELSS, LIC etc, But this is a misunderstanding, as more money (Tax) can be saved legitimately and legally using the deductions under the National Pension System (NPS). A taxpayer individual can save over \u20b92 lakh additionally under NPS<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-677740726\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-is-section-80c-not-enough\" style=\"font-size:22px\"><strong>Why is Section 80C not enough?<\/strong><\/h2>\n\n\n\n<p>Under the Old Tax Regime, a salaried taxpayer can save up to \u20b91.5 lakh using the deductions claimable under Section 80C. For salaried employees under the tax bracket of 20% or 30%, this cap is too low. Often, employees exhaust this limit just from their PPF contribution. This makes deductions from Section 80C inadequate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-nps\" style=\"font-size:22px\"><strong>What is NPS?<\/strong><\/h2>\n\n\n\n<p>The National Pension System is a long-term savings scheme introduced by the Government of India to promote retirement savings. It is regulated by the Pension Fund Regulatory and Development Authority. It is a widely accessible retirement planning tool, available to salaried employees, self-employed individuals, and private sector workers.<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2194481491\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tax-saving-breakdown-using-nps\" style=\"font-size:22px\"><strong>Tax Saving Breakdown using NPS<\/strong><\/h2>\n\n\n\n<p>While using Section 80CCD(1), salaried individuals can claim up to 10% of their salary, including Dearness Allowance (DA), and self-employed individuals can claim up to 20% of Employee contribution to NPS but this comes within the overall \u20b9 1.5 lakh limit of Section 80C.<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-74955223\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<p>But to save more, NPS provides two distinct tax deductions, separate from the Section 80C.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Section 80CCD(1B):<\/strong> Under this section, an additional deduction of up to \u20b9 50,000 can be claimed. This excludes the \u20b91.5 lakh limit provided under Section 80C.<\/li>\n\n\n\n<li><strong>Section 80CCD(2):<\/strong> This section covers the employer\u2019s contribution to NPS. The employers can contribute up to 10% of the employee\u2019s salary or 14% of the employee\u2019s salary if they are a government employee.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Both Section 80CCD(1B) and Section 80CCD(2) are separate from Section 80C, and hence, these deductions allow one to gain additional tax benefits. Furthermore, Section 80CCD(2) does not have any monetary limit, and it is only available to salaried employees.<\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2469982797\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<p>For an instance if a salaried employee has an annual salary of \u20b912 lakh, including DA. Under the Old Tax Regime, their tax slab would be 30%, and Section 80C is fully utilised using PPF, ELSS, and LIC, etc. Additionally, the employee\u2019s can claim \u20b950,000 in NPS self-contribution and \u20b91,20,000 in NPS employer&#8217;s contribution.<\/p>\n\n\n\n<p>Here, the total additional savings beyond the Section 80C would be \u20b91,70,000, and the total savings including Section 80C would be \u20b93,20,000.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tax-saving-potential-table\" style=\"font-size:22px\"><strong>Tax Saving Potential Table<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Particulars<\/strong><\/td><td><strong>Amount<\/strong><\/td><td><strong>Section<\/strong><\/td><\/tr><tr><td>PPF, ELSS, LIC, etc<\/td><td>\u20b91,50,000<\/td><td>80C<\/td><\/tr><tr><td>NPS Self-Contribution<\/td><td>\u20b950,000<\/td><td>80CCD(1B)<\/td><\/tr><tr><td>Employer\u2019s NPS Contribution<\/td><td>\u20b91,20,000<\/td><td>80CCD(2)<\/td><\/tr><tr><td>Total Tax Deduction (Saved)<\/td><td colspan=\"2\">\u20b93,20,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-also-read-income-tax-slabs-fy-2025-26-explained-how-much-tax-will-you-pay-under-new-regime\" style=\"font-size:16px\"><strong>Also read: <a href=\"https:\/\/tradebrains.in\/money\/income-tax-slabs-fy-2025-26-explained-how-much-tax-will-you-pay-under-new-regime\/\" target=\"_blank\" rel=\"noreferrer noopener\">Income Tax Slabs FY 2025\u201326 Explained: How Much Tax Will You Pay Under New Regime?<\/a><\/strong><\/h4>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-should-invest-in-nps\" style=\"font-size:22px\"><strong>Who Should Invest in NPS<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Salaried employees who come under the 20% or 30% tax slab, who want to further reduce their taxable income.<\/li>\n\n\n\n<li>Individuals who have exhausted their Section 80C and need additional options to save tax.<\/li>\n\n\n\n<li>Professionals with employers who offer an NPS contribution facility.<\/li>\n\n\n\n<li>Taxpayers looking for disciplined, long-term investment options focusing on retirement savings.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>Section 80C should not be the end of your tax planning. For salaried taxpayers in higher tax brackets, the National Pension System offers a smart way to unlock additional tax savings beyond the standard limits. With benefits available through both self and employer contributions, NPS allows you to reduce your tax burden today while building a secure retirement for the future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\" style=\"font-size:22px\"><strong>FAQs<\/strong><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1768468234371\"><strong class=\"schema-faq-question\"><strong>Is NPS mandatory for salaried employees?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. NPS is voluntary for most salaried employees. However, some employers may offer it as part of the salary structure.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1768468243511\"><strong class=\"schema-faq-question\"><strong>Can self-employed individuals claim NPS tax benefits?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. Self-employed individuals can claim deductions under Section 80CCD(1) and Section 80CCD(1B). However, Section 80CCD(2) is not available to self-employed individuals.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1768468253629\"><strong class=\"schema-faq-question\"><strong>Can NPS deductions be claimed under the New Tax Regime?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. Tax benefits for NPS contributions are available only under the Old Tax Regime. Under the New Tax Regime, deductions under Sections 80C and 80CCD(1B) are not allowed.<\/p> <\/div> <\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Written by Nila Maria Jacob<\/strong><\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: Many taxpayers assume that after exhausting the limits under Section 80C, there is no further scope for tax savings. This article explains why that assumption is incorrect and how the National Pension System (NPS) can help individuals save up to \u20b92 lakh or more in additional tax deductions under the Old Tax Regime. It [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3636,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[11,14],"tags":[1375,1128,1474],"ppma_author":[1013],"class_list":["post-3629","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-taxation","category-trending","tag-nps","tag-tax","tag-tax-savings"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Save Over \u20b92 Lakh in Tax, Even If You\u2019ve Already Used \u20b91.5 Lakh 80C Limit<\/title>\n<meta name=\"description\" content=\"Most taxpayers believe that they can\u2019t save more in tax once they exhaust Section 80C. But this is a misunderstanding, as more money can be saved legitimately\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tradebrains.in\/money\/how-to-save-over-2-lakh-in-tax-even-if-youve-already-used-1-5-lakh-80c-limit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Save Over \u20b92 Lakh in Tax, Even If You\u2019ve Already Used \u20b91.5 Lakh 80C Limit\" \/>\n<meta property=\"og:description\" content=\"Most taxpayers believe that they can\u2019t save more in tax once they exhaust Section 80C. But this is a misunderstanding, as more money can be saved legitimately\" \/>\n<meta property=\"og:url\" content=\"https:\/\/tradebrains.in\/money\/how-to-save-over-2-lakh-in-tax-even-if-youve-already-used-1-5-lakh-80c-limit\/\" \/>\n<meta property=\"og:site_name\" content=\"Trade Brains Money\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-15T14:40:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/01\/Tax-saving-using-NPS.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"854\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Trade Brains\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Trade Brains\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\/\/tradebrains.in\/money\/how-to-save-over-2-lakh-in-tax-even-if-youve-already-used-1-5-lakh-80c-limit\/\",\"url\":\"https:\/\/tradebrains.in\/money\/how-to-save-over-2-lakh-in-tax-even-if-youve-already-used-1-5-lakh-80c-limit\/\",\"name\":\"How to Save Over \u20b92 Lakh in Tax, Even If You\u2019ve Already Used \u20b91.5 Lakh 80C Limit\",\"isPartOf\":{\"@id\":\"https:\/\/tradebrains.in\/money\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/tradebrains.in\/money\/how-to-save-over-2-lakh-in-tax-even-if-youve-already-used-1-5-lakh-80c-limit\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/tradebrains.in\/money\/how-to-save-over-2-lakh-in-tax-even-if-youve-already-used-1-5-lakh-80c-limit\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/01\/Tax-saving-using-NPS.jpg\",\"datePublished\":\"2026-01-15T14:40:00+00:00\",\"author\":{\"@id\":\"https:\/\/tradebrains.in\/money\/#\/schema\/person\/b2727abbc1b037c476a03d78c5f7d1cd\"},\"description\":\"Most taxpayers believe that they can\u2019t save more in tax once they exhaust Section 80C. 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