🇮🇳 India Retirement Comparison Tool
NPS vs PPF vs EPF
Calculator
Compare returns and corpus for all three major Indian retirement savings schemes side by side.
📊 NPS vs PPF vs EPF Comparison
₹
🟢 NPS
Total Investment₹0
Returns Earned₹0
Corpus at Maturity₹0
Tax on Withdrawal40% taxed
🟡 PPF
Total Investment₹0
Returns Earned₹0
Corpus at Maturity₹0
Tax on WithdrawalTax FREE (EEE)
🔵 EPF
Total Investment₹0
Employer Match₹0
Corpus at Maturity₹0
Tax on WithdrawalTax FREE after 5 yrs
NPS vs PPF vs EPF: Key Differences
India offers three major government-backed retirement savings options. NPS offers market-linked returns (potentially higher) but taxes 40% at maturity. PPF is guaranteed, completely tax-free (EEE status), with a 15-year lock-in. EPF is mandatory for salaried employees with employer matching contributions — one of the best benefits available.
Quick Comparison Table
| Feature | NPS | PPF | EPF |
|---|---|---|---|
| Return Type | Market-linked (8–12%) | Government fixed (7.1%) | Government fixed (8.25%) |
| Tax Status | EET (40% taxed) | EEE (Fully exempt) | EEE after 5 years |
| Lock-in | Till age 60 | 15 years | Till retirement |
| Employer Match | Optional (NPS Corp) | No | Yes! 12% of basic |
| Max Tax Deduction | ₹2L (80C + 80CCD) | ₹1.5L (80C) | ₹1.5L (80C) |
| Min Monthly | ₹500 | ₹500/yr | Mandatory (12% salary) |
Search Keywords
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