Superannuation Fund Navigator

Most people skip this without realising what it costs them

The part of your CTC that never shows up as taxable salary

When your employer contributes to superannuation on your behalf, that money is not added to your taxable salary the way a cash bonus of the same amount would be — as long as your employer's combined contribution to EPF, NPS and superannuation together stays under ₹7.5 lakh a year (Section 17(2)). Only the amount above that combined cap becomes taxable.

In practice: if you opt out of superannuation, that slice of your CTC often just gets redirected elsewhere in your package — sometimes as a fully taxable cash allowance. Opting in quietly moves the same money into a tax-deferred investment instead. It's one of the least-understood benefits on an Indian offer letter, precisely because it's invisible on the payslip.

Why are you accessing the fund? Have you already received, or are you also eligible for, gratuity from this employer? Do you know if your fund is an "approved superannuation fund" (check offer letter or HR)? See my options → ⬇ Download as PDF