NPS vs PPF: Difference between NPS and PPF, Which is Better?

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Period	Rates
April-June 2021	7.1%
January-March 2020	7.1%
October – December 2020	7.1%
July – September 2020	7.1%
April – June 2020	7.1%
January – March 2020	7.9%
October – December 2019	7.9%
July – September 2019	7.9%
April-June, 2019	8.0%
January-March, 2019	8.0%

Pension Funds	3-year Returns	5-year Returns
ICICI Pru. Pension Fund Mgmt Co. Ltd.	14.70%	50.10%
UTI Retirement Benefit Fund	2.40%	6.63%
LIC Pension Fund Ltd.	8.20%	41.50%
Kotak Mahindra Pension Fund Ltd.	25.40%	57.30%
SBI Pension Funds Pvt. Ltd.	14.80%	51.80%

Features	PPF	NPS
Interest rates	7.1% in Q2 FY 2020-21	12%-14%
Returns	Decided by the government	Market-linked rates
Partial withdrawal	Allowed from 7th year onwards. One can also secure a loan during the 3rd and 6th financial year of account opening.	Individuals can opt for early and partial withdrawals after ten years. In case a subscriber plans to exit before retirement, he needs to buy an annuity with 80% of the accumulated corpus.
Investment style	Fixed as per the government regulations.	One can choose between equity funds, government securities funds and fixed income instruments while investing in NPS.
Annuity	No requirement for buying annuities.	One needs to buy an annuity with 40% of the NPS balance after retirement if the balance is more than ₹2 lakhs.

Difference between NPS and PPF, Which is Better?

NPS vs PPF

Difference between NPS and PPF

Investments

Safety

Taxation

Eligibility

Where to Open an Account

Is NPS Better than PPF?

Comparing NPS and PPF: Interest Rates and Returns

Can You Invest in Both PPF and NPS?

Frequently Asked Questions

✓ Which financial tool will be liable in case of debts – NPS or PPF?

✓ Between NPS and PPF, which investment option generates higher returns?

✓ Which product is better if I want to finance my children’s education?

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