1/2/2026, 7:07:02 pm

EPF, PPF, and NPS Compared After Budget 2026

Contributory retirement savings schemes in India: EPF offers 8.5 percent interest, maturing at 58, with tax-free withdrawals after 5 years. PPF provides 7.1 percent annual interest, tax-free for 15 years. NPS is a market-linked scheme with tax benefits under Sections 80CCD(1), (1B), and (2), allowing lump sum or annuity withdrawals at maturity.