We’ve always believed that our people are at the heart of everything we do. Whether it’s enabling innovation, driving impact, or shaping the digital future of India, it’s Paytmers who bring that vision to life. But our commitment doesn’t stop at work. It extends far beyond—into the lives our employees will lead after their careers with us. That’s why we’re taking proactive steps to ensure that every Paytmer feels supported, even as they plan for retirement.
Recognizing the importance of long-term financial wellbeing, we have extended our support to Paytmers, with HDFC Pension, with a pension plan that will create a retirement corpus for their future and will also help them to save their taxes. This initiative is designed to help employees systematically build a retirement corpus—one that not only secures their future but also offers significant tax benefits along the way.
To raise awareness and drive adoption, we recently conducted interactive sessions where Paytmers got to understand how Corporate NPS stacks up against traditional investment tools like PFs and MFs. With its unique mix of equity, corporate bonds, government securities, and alternate investments, NPS offers a diversified and high-growth potential platform. The aim was to empower our team to make informed decisions today that will pay off decades later.
Under the NPS plan, employees can continue contributing until the age of 60. At retirement, they have the flexibility to withdraw up to 60% of their corpus, with the remaining 40% converted into an annuity for regular post-retirement income. What makes this even more attractive is the auto-rebalancing feature, which adjusts the portfolio over time—moving from higher-risk equity to more stable debt instruments based on age. It’s a smart, hands-free way to invest with future needs in mind.
On the tax-saving front, Paytmers can avail deductions of up to 10% of their gross income under Section 80CCD(1) (within the ₹1.5 lakh limit under Section 80CCE), and an additional ₹50,000 under Section 80CCD(1B)—making it one of the most tax-efficient ways to invest for retirement.
By helping Paytmers secure their financial future, we’re reinforcing the idea that belonging at Paytm isn’t limited to the present—it extends into the future. We hope this small step will be of great help and assistance to our Paytm family members in the unfortunate event.
