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

Switch to Digit Insurance

Trusted by 2 crore Indians

COVID-19 covered

Health
Car
Bike
Commercial
COVID-19 covered

Travel
More Products

Enter Your Car Registration number

Mobile Number

+91

Enter Mobile Number to Proceed

+91

OR ENTER YOUR CAR NUMBER

DON'T KNOW YOUR CAR NUMBER?

or renew digit policy

I agree to the Terms & Conditions

Registration Number

{{(bikeCtrl.bikeLocalStorageValues.vehicle.isVehicleNew)?'New bike registration city':'City'}}

Previous policy expiry

Not Expired

Expired

DON'T KNOW REGISTRATION NUMBER?

I KNOW MY REGISTRATION NUMBER

IT'S A NEW BIKE

OR RENEW DIGIT POLICY

Which countries are you visiting?

x {{country}}

Most Popular(You can select more than one)

{{country}}

Leaving date

Return date

Try agian later

As mandated by Spanish Authorities your travel insurance needs to extend 15 days after your trip ends.
We will extend your coverage period accordingly.

Get Quote

Pincode

Policy Start Date

Policy End Date

Get Quote

Pin Code

Agent Code

In case, you wish to buy a plan for your siblings, aunts, uncles or any other relatives, you can buy a separate plan for them.

Add Members you want to insure

Mobile Number

Try agian later

Port my existing Policy

Agent Name: {{healthCtrl.integraAgentDetails.agentName}}

State: {{healthCtrl.integraAgentDetails.state}}

SP Name: {{healthCtrl.integraAgentDetails.spName}}

SP Code: {{healthCtrl.integraAgentDetails.spCode}}

Try agian later

Pin Code

Agent Code

Agent name: {{healthCtrl.integraAgentDetails.agentName}}

State: {{healthCtrl.integraAgentDetails.state}}

SP Name: {{healthCtrl.integraAgentDetails.spName}}

SP code: {{healthCtrl.integraAgentDetails.spCode}}

Mobile Number

+91 {{healthCtrl.mobileNumberError}}

Try agian later

done

I agree to the Terms & Conditions

You can select more than one member

{{familyMember.name}}

-{{familyMember.multipleCount}}+ Max {{healthCtrl.maxChildCount}} kids

(s)

Registration Number

Mobile Number

+91

City

Mobile Number

+91

OR ENTER YOUR REGISTRATION NUMBER

DON'T KNOW YOUR REGISTRATION NUMBER

or renew digit policy

I agree to the Terms & Conditions

Get Quote

Switch to Digit Insurance

Renew Digit's Policy

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?

Important Articles related to NPS

Important Articles related to Finance

Get our app