NPS vs PPF: Comprehensive Retirement Plan Comparison
Learn how the National Pension System and Public Provident Fund differ in features, flexibility, and financial goals.
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Comparison Table
| Parameter | NPS | PPF |
|---|---|---|
| Returns | 8–10% (market linked) | 7.1% (fixed, government-backed) |
| Tax Benefit | Up to ₹2 lakh under 80C & 80CCD(1B) | Up to ₹1.5 lakh under 80C |
| Lock-in | Till age 60 | 15 years |
| Withdrawal | Partial allowed after 3 years | Partial allowed after 5 years |
Best for NPS
- Retirement planning with long-term horizon
- Higher risk appetite
- Extra tax deduction under 80CCD(1B)
Best for PPF
- Safe, fixed return investment
- Zero risk (government-backed)
- Long-term tax-free savings