NPS, PPF or EPF: Who wins?

Although an infant, it was already a bit different from the rest. Unlike the others, it offered an additional Rs 50,000 deduction from your taxable income. Unlike the others, it ensured your retirement planning had an equity component, which is crucial, as you'll find out later. And unlike the others, it has the potential to help you build a more sizable retirement corpus. Again, more on that later. It was only in 2009 that a majority of Indian investors could set their eyes on the NPS (National Pension Scheme). Though open for subscription to government employees in 2004, the NPS opened its doors to the general public only five years later. Until then, the PPF (Public Provident Fund) and EPF (Employees' Provident Fund) ruled the retirement-plannin

This article was originally published on June 15, 2024.