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✨ NPS vs PPF: Which One Should You Choose? ✨

When it comes to planning for your future, two popular investment options often come up — NPS (National Pension System) and PPF (Public Provident Fund). While both help in wealth creation with tax benefits, they serve different purposes. Here’s a quick comparison:

🔹 Objective

• PPF: A safe, long-term savings option with guaranteed returns.

• NPS: A retirement-focused investment linked to market returns.

🔹 Returns

• PPF: Fixed interest (government-backed, ~7–8%).

• NPS: Market-linked (can go higher, but with some risk).

🔹 Lock-in Period

• PPF: 15 years (with partial withdrawals allowed after 7 years).

• NPS: Till the age of 60 (with some withdrawal flexibility).

🔹 Tax Benefits

• PPF: Fully tax-free (EEE – Exempt, Exempt, Exempt).

• NPS: Tax deductions under 80C & 80CCD(1B), but maturity is partly taxable.

✅ Best for You if…

• PPF → You want safe, guaranteed returns & tax-free income.

• NPS → You want higher retirement corpus with market exposure.

💡 Tip: Many smart investors use both — PPF for stability + NPS for long-term retirement growth.

💡 Smart Move: Use PPF for safety + NPS for long-term growth.

👉 Which one do you prefer for your future — Guaranteed Safety or Market Growth?