Published: 16th July 2025
By: Dheeraj Kumar
Retire rich with 3 trusted tools—EPF, NPS & PPF. They offer safety, growth, and tax benefits.
– EPF: 8.25%, compulsory for salaried. – NPS: ~14% 10-yr CAGR, equity-driven. PPF: 7.10%, government-guaranteed.
– EPF: 8.25%, EEE, lock-in till 58 – NPS: 13–15%*, EET, lock-in till 60 – PPF: 7.10%, EEE, 15 years *Based on top NPS fund managers
To reach ₹5 crore in 30 years: – EPF: ₹10,860 – NPS: ₹8,140 – PPF: ₹8,140 Total: ₹27,140/month
– EPF: Stable & inflation-beating – NPS: Equity upside, low cost - PPF: Tax-free and flexible
– EPF & PPF: EEE status – NPS: ₹50k extra under 80CCD(1B), 60% tax-free at exit
If rates fall slightly, corpus still hits ₹4 crore—double of FDs.
Max EPF (add VPF) Open NPS (Auto-choice) Invest in PPF early each month Review split every 5 years
Short-term NPS view Missing EPF top-up Late PPF deposits
Invest ₹27k monthly → ₹5 crore in 30 years Automate, diversify, and let time do the rest.
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