# NPS vs PPF 2026: Kaun Sa Retirement Plan Aapke Liye Behtar Hai?
Retirement ke liye paisa bachana hai, lekin samajh nahi aa raha ki sarkari guarantee wali PPF lein ya market se judi NPS — to aap akele nahi hain. Har saal tax bachane ke season me yahi sawaal sabse zyada poocha jaata hai, aur dono taraf ke log apni-apni baat zor-shor se kehte hain. Koi kehta hai PPF sabse surakshit hai, koi kehta hai NPS se lambi race me zyada paisa banta hai. Sach ye hai ki dono ka kaam alag hai, dono ke faayde alag hain, aur galat chunaav ka nuksaan saalon baad dikhta hai. Isliye is guide me hum seedhi bhasha me NPS vs PPF ki poori tulna karenge — return, tax, lock-in, nikaasi ke niyam aur risk — taaki aap apni umar, salary aur risk lene ki himmat ke hisaab se faisla le sakein.
Aap chahe 25 saal ke hon aur pehli naukri lagi ho, ya 40 ke aas-paas hon aur retirement planning der se shuru kar rahe hon, is guide ka maksad ek hi hai: aapko ye samajh aa jaaye ki aapka paisa kahan, kyun aur kitne time ke liye ja raha hai. Koi yojana “sabke liye best” nahi hoti. Kisi ke liye suraksha sabse badi baat hoti hai, kisi ke liye lambi avadhi me zyada growth. Dono nazariye sahi ho sakte hain — bas aapko apna nazariya pehchan-na hai.
Table Box: NPS vs PPF Ek Nazar Me
| Baat | PPF (Public Provident Fund) | NPS (National Pension System) |
|---|---|---|
| Kya hai | Sarkar ki small savings yojana, fixed interest wali | Market-linked retirement pension yojana, PFRDA se regulated |
| Return ka tareeka | Sarkar dwara ghoshit interest rate, Oct-Dec 2026 quarter me 7.1% saalana | Market-linked, koi guaranteed return nahi; equity, corporate debt aur sarkari securities me nivesh |
| Tenure / Lock-in | 15 saal, phir 5-5 saal ke block me badha sakte hain | 60 saal ki umar tak (retirement tak); uske baad pension ka niyam lagu |
| Minimum nivesh | ₹500 prati saal | Tier-I account kholne ke liye ₹500; saal me kam se kam ₹1,000 |
| Maximum nivesh | ₹1.5 lakh prati saal | Koi upari seema nahi (tax chhoot ki seema alag hai) |
| Tax — jama karte waqt | 80C me ₹1.5 lakh tak chhoot (old regime me) | 80C/80CCD(1) me ₹1.5 lakh tak + 80CCD(1B) me extra ₹50,000 (old regime me, apne contribution par) |
| Tax — maturity par | Interest aur maturity poori tarah tax-free (EEE) | 60% tak lump sum tax-free; kam se kam 40% se annuity khareedna lazmi, annuity se milne wali pension slab rate se taxable |
| Beech me paisa nikaalna | 7th financial year se partial withdrawal, ek saal me ek baar | 3 saal baad, khaas kaamon ke liye, apne contribution ka 25% tak, poori avadhi me zyada se zyada 3 baar |
| Official source | Finance Ministry small savings rates; India Post | PFRDA; NSDL CRA (Protean) |
NPS vs PPF: Dono Yojanaen Asal Me Kya Hain?
PPF kya hai?
PPF ek lambi avadhi ki sarkari bachat yojana hai. Aap bank ya post office me account kholte hain, har saal ₹500 se ₹1.5 lakh tak jama karte hain, aur sarkar us par interest deti hai. October-December 2026 ki timaahi ke liye ye rate 7.1% saalana hai, aur Finance Ministry ne is timaahi ke liye small savings rates badle nahi hain. Matlab is quarter me PPF par wahi 7.1% milega jo pichhli timaahi me tha. Ye rate har timaahi review hota hai, isliye aage ye badh ya ghat sakta hai — lekin jo rate ghoshit hota hai, us timaahi ke liye wahi lagu rehta hai.
PPF ki sabse badi khaasiyat uski suraksha hai. Aapka paisa sarkar ke paas hai, return pehle se pata hai, aur maturity par poora paisa tax-free milta hai. Isliye jin logon ko risk bilkul pasand nahi, ya jinke liye retirement ka paisa “kisi bhi haal me surakshit rehna chahiye”, unke liye PPF ek bharosemand neev jaisa hai. Lekin is suraksha ki ek keemat bhi hai: return seemit rehta hai, aur lambi avadhi me mehngai (inflation) ke saamne asli return bahut bada nahi hota.
NPS kya hai?
NPS ek retirement pension yojana hai jise Pension Fund Regulatory and Development Authority (PFRDA) regulate karta hai. Isme aapka paisa equity (share bazaar), corporate bonds aur sarkari securities me lagta hai. Aap khud chun sakte hain ki kitna paisa equity me jaaye aur kitna debt me, aur aap fund manager bhi chun sakte hain. NPS me Tier-I account asli retirement account hai — isi par tax chhoot milti hai. Tier-II ek optional, zyada flexible account hai, jisme aam taur par tax chhoot nahi milti (sarkari karmchaariyon ke liye kuch apvaad ho sakte hain), isliye is guide me hum mukhya roop se Tier-I ki baat karenge.
NPS ki sabse badi khaasiyat uski lambi avadhi ki growth ki sambhavna hai. Equity ka hissa lambi race me PPF se zyada return de sakta hai — lekin “sakta hai” par zor dein. NPS ka return guaranteed nahi hai. Bazaar girega to aapke corpus ki growth dheemi hogi, aur kharaab daur me value ghat bhi sakti hai. NPS un logon ke liye bana hai jo 20-30 saal tak paisa band rakh sakte hain, bazaar ke utaar-chadhaav se ghabrate nahi, aur retirement par ek niyamit pension bhi chahte hain.
Dono ka maksad ek, raasta alag
PPF ka maksad hai surakshit bachat aur tax-free maturity. NPS ka maksad hai retirement ke baad zindagi bhar pension. PPF me maturity par aap poora paisa ek saath le sakte hain. NPS me aisa nahi hai — retirement par kam se kam 40% rakam se annuity (pension plan) khareedna hi padta hai, taaki budhaape me har mahine aamdani aati rahe. Ye fark samajhna sabse zaroori hai, kyunki kai log NPS ko sirf “zyada return wali PPF” samajh lete hain, jo galat hai.
Returns Ki Tulna: Example Ke Saath Samajhiye
PPF ka hisaab: ₹5,000 mahina, 15 saal
Maan lijiye aap har mahine ₹5,000 PPF me daalte hain. Ye saal me ₹60,000 hua. 15 saal me aap kul ₹9,00,000 jama karenge (₹60,000 × 15). Agar poori avadhi me rate 7.1% saalana hi rehta hai — jo ki sirf ek udaharan hai, kyunki asli rate har timaahi badal sakta hai — to saal ke ant me jama ki gayi rakam par compound interest ke hisaab se maturity rakam lagbhag ₹15,19,406 banegi. Iska matlab lagbhag ₹6,19,406 interest ke roop me milega, aur ye poori rakam tax-free hogi.
Ye hisaab samajhne ke liye kaafi hai: PPF me aapko andaza rehta hai ki 15 saal baad haath me kitna aayega. Lekin ye bhi yaad rakhein ki PPF me interest ki ganana mahine ke balance par hoti hai, isliye asli rakam aapke jama karne ke tareeke aur samay par thodi upar-neeche ho sakti hai. Yahan di gayi sankhya ek saral udaharan hai, koi vaada nahi.
NPS ka hisaab: ₹5,000 mahina, 25 saal
Ab wahi ₹5,000 mahina NPS me lagayein, aur maan lein aap 25 saal tak lagataar jama karte hain. Kul jama rakam hogi ₹15,00,000 (₹5,000 × 300 mahine). Ab do kalpanik daron par dekhte hain:
- Agar ausat return 8% saalana rehta hai, to 25 saal baad corpus lagbhag ₹45,44,955 ban sakta hai.
- Agar ausat return 10% saalana rehta hai, to wahi corpus lagbhag ₹61,66,624 ban sakta hai.
Ye sankhyaen sirf udaharan hain. NPS ka asli return is baat par nirbhar karega ki aapne equity me kitna rakha, bazaar ne kaisa pradarshan kiya, aur aapne kab nivesh shuru kiya. 8% ya 10% koi guarantee nahi hai — ye sirf ye dikhane ke liye hai ki lambi avadhi aur thoda zyada return milne par compounding kitna bada fark la sakta hai. Agar bazaar ka daur kharaab raha, to return in udaharanon se kam bhi ho sakta hai.
15 saal ki tulna: seedha fark
Wahi ₹5,000 mahina 15 saal tak NPS me (sirf udaharan ke liye) lagayein to 8% par lagbhag ₹16,88,032 aur 10% par lagbhag ₹19,92,220 ban sakta hai — jabki PPF me 7.1% par lagbhag ₹15,19,406. Matlab 15 saal me bhi NPS aage nikal sakta hai, lekin fark utna bada nahi jitna 25-30 saal me hota hai. Isi liye kehte hain ki NPS ka asli fayda lambi avadhi me hai. Jo vyakti 30 saal ki umar me shuru karta hai, use NPS se woh samay milta hai jo 50 saal ki umar me shuru karne wale ko nahi milta.
Mehngai wali baat jo log bhool jaate hain
7.1% return sunne me achha lagta hai, lekin agar mehngai 4-5% ke aas-paas chal rahi hai, to PPF ka asli (inflation ke baad ka) return lagbhag 2-3% hi bachta hai. Ye bura nahi hai — surakshit paise par 2-3% asli return bhi kaam ki baat hai. Lekin 25-30 saal baad aapke kharche bhi mehngai ke saath badhenge. NPS ka equity hissa isi mehngai se ladne ke liye rakha jaata hai: lambi avadhi me equity ka return aam taur par mehngai se upar rehne ki koshish karta hai, lekin iske liye bazaar ka risk uthana padta hai. Isliye sawaal sirf “kitna return” ka nahi, “kitna risk lekar kitna return” ka hai.
Tax Ki Tulna: Kahan Kitni Chhoot?
Tax hi woh jagah hai jahan NPS apna sabse bada card khelta hai, lekin is card ki shartein samajhna zaroori hai.
| Tax ka pehlu | PPF | NPS (Tier-I, apna contribution) |
|---|---|---|
| Jama par chhoot | 80C me ₹1.5 lakh tak (old regime) | 80C/80CCD(1) me ₹1.5 lakh tak + 80CCD(1B) me extra ₹50,000 (old regime) |
| Kul personal deduction | ₹1.5 lakh tak | ₹2 lakh tak (₹1.5 lakh + ₹50,000) |
| Interest / growth par tax | Poori tarah tax-free | Growth ke dauran koi saalana tax nahi; tax nikaasi ke waqt ke niyamon se lagta hai |
| Maturity / retirement par tax | Poora tax-free (EEE) | 60% tak lump sum tax-free; 40%+ annuity se pension slab rate se taxable |
| New regime me personal chhoot | 80C chhoot nahi milti | Apne contribution par 80C/80CCD(1B) chhoot nahi milti |
₹50,000 extra chhoot ka matlab rupayon me
Ye extra ₹50,000 ki chhoot sirf NPS ke Tier-I account par milti hai, aur ye old regime me milti hai. Matlab agar aap old regime me tax bharte hain aur aapka slab 30% hai, to ₹50,000 ki extra chhoot par aap lagbhag ₹15,600 tak tax bacha sakte hain (30% slab + cess ke hisaab se, lagbhag). 20% slab me ye bachat lagbhag ₹10,400 ke aas-paas hogi. Ye koi bahut badi rakam nahi hai, lekin har saal milne par 20 saal me ye bhi ek achhi khaasi rakam ban jaati hai — bas iske liye aapko NPS me paisa band rakhna hoga.
Ek aam galatfehmi: ₹1.5 lakh + ₹50,000
Kai log samajhte hain ki NPS me ₹1.5 lakh ke upar ₹50,000 alag se milta hai, isliye kul ₹2 lakh ki chhoot NPS se hi mil jaati hai. Ye aadha sach hai. ₹1.5 lakh wali seema 80C, 80CCC aur 80CCD(1) ki mili-juli seema hai — isme PPF, ELSS, EPF sab kuch aa jaata hai. Asli “extra” sirf ₹50,000 wala hissa hai jo 80CCD(1B) me milta hai. Agar aapne PPF me hi ₹1.5 lakh daal diye, to NPS ke ₹1.5 lakh wale hisse par dobara chhoot nahi milegi — sirf ₹50,000 wali extra chhoot milegi. Isliye tax planning me dono ko ek saath dekhna zaroori hai, alag-alag nahi.
New regime wale kya karein?
Agar aap new tax regime me hain, to apne NPS contribution par aapko 80C ya 80CCD(1B) ki chhoot nahi milti. Haan, agar aapka employer aapke liye NPS me contribution karta hai, to us par 80CCD(2) ke tahat chhoot dono regime me mil sakti hai (seema salary ke basic + DA ke pratishat par nirbhar karti hai). Lekin apne jeb se daale gaye paise par new regime me NPS ki tax chhoot ka fayda nahi hai. Isliye new regime wale NPS ko sirf tax bachane ke liye na lein — use retirement growth ke nazariye se dekhein. Aur old regime wale NPS ki extra ₹50,000 chhoot ka poora fayda utha sakte hain, bas ye dekh lein ki old regime unke liye kul milakar faydemand hai ya nahi.
Retirement par tax ka asli fark
PPF me maturity par jo milega, woh poora aapka hai, tax-free. NPS me retirement par jo corpus banega, uska 60% tak aap ek saath tax-free le sakte hain, lekin kam se kam 40% se aapko annuity khareedni hi hogi. Annuity se har mahine jo pension milegi, wo aapki aamdani me judkar slab rate se taxable hogi. Matlab NPS ka “tax-free” hissa sirf 60% tak hai, baaki hissa pension ke roop me dheere-dheere tax ke saath milega. Ye koi kami nahi hai — pension ka maksad hi ye hai ki budhaape me niyamit aamdani bani rahe — lekin PPF se tulna karte waqt is fark ko nazarandaaz nahi karna chahiye.
Liquidity Aur Nikaasi Ke Niyam: Paisa Kab Haath Me Aayega?
PPF: dheere, lekin raasta saaf hai
PPF me 15 saal ka lock-in hai, lekin iska matlab ye nahi ki 15 saal tak ek rupaya bhi nahi nikal sakta. 7th financial year se aap partial withdrawal le sakte hain — ek financial year me ek baar, aur rakam ki seema pichhle balances ke hisaab se tay hoti hai (aam taur par 50% tak ki seema wale niyam ke saath). 3rd se 6th financial year ke beech PPF par loan ki suvidha bhi milti hai. 15 saal poore hone par aap poora paisa nikaal sakte hain, ya account ko 5-5 saal ke block me badha sakte hain — contribution ke saath ya bina contribution ke, dono tareeke hain.
PPF ki khaasiyat ye hai ki maturity par poora paisa aapke haath me hota hai. Aap chahein to use kahin aur nivesh karein, ghar khareedein, ya bachchon ki padhai me lagayein. Koi zabardasti ka pension plan nahi hai.
NPS: sakht niyam, lekin wajah saaf hai
NPS Tier-I me paisa nikaalna PPF se zyada sakht hai. 3 saal poore hone ke baad hi partial withdrawal milta hai, aur wo bhi sirf khaas kaamon ke liye — jaise bachchon ki uchch shiksha, shaadi, ghar khareedna ya banana, gambhir beemari ka ilaaj, ya kuch aur nirdharit kaaran. Ek baar me aap apne contribution ka 25% tak nikaal sakte hain, aur poori avadhi me aise zyada se zyada 3 baar withdrawal kar sakte hain. 60 saal ki umar se pehle account band karne par bhi sakht niyam hain, aur ek bada hissa annuity me jaata hai.
Ye sakhti jaanboojh kar hai: NPS ka paisa budhaape ke liye hai, beech ke kharchon ke liye nahi. Agar aapko lagta hai ki 5-7 saal me ghar ke liye bada paisa chahiye hoga, ya business ke liye rakam nikaalni pad sakti hai, to NPS me woh paisa mat daalein jo beech me chahiye. Emergency fund aur chhote goals ke liye alag vyavastha rakhein.
Kaun sa zyada flexible hai?
Seedha jawaab: PPF zyada flexible hai. Maturity par poora paisa, beech me partial withdrawal, aur loan ki suvidha — teeno PPF me NPS se behtar hain. NPS ki flexibility is baat me hai ki aap kabhi bhi contribution rok ya badha sakte hain, fund manager badal sakte hain, aur asset allocation badal sakte hain. Lekin paisa nikaalne ki flexibility me NPS peeche hai. Isliye agar aapko “paisa kabhi bhi kaam aa sakta hai” wali chinta hai, to PPF ko pehle rakhein.
Risk: Kahan Kya Khatra Hai?
PPF ka risk bahut kam hai, lekin zero nahi. Sarkar rate badal sakti hai — jaise pichhle kai saalon se rate 7.1% par hi ruka hua hai, lekin aage ye ghat bhi sakta hai. Doosra risk mehngai ka hai: agar mehngai lambi avadhi me zyada rehti hai, to PPF ka asli return patla pad jaata hai. Lekin aapka mool dhan (principal) surakshit rehta hai, ye sabse badi tasalli hai.
NPS ka risk bazaar ka hai. Equity ka hissa upar-neeche hoga. Koi saal 15% growth de sakta hai, koi saal negative bhi ho sakta hai. Lambi avadhi me ye utaar-chadhaav ausat ho jaata hai, lekin jo vyakti retirement ke 2-3 saal pehle NPS me zyada equity rakhega, uske liye ek bada bazaar girawat khatarnak ho sakta hai. Isliye umar badhne ke saath NPS me equity ka hissa dheere-dheere kam karna samajhdaari hai. NPS me aap auto-choice option bhi chun sakte hain, jisme umar ke hisaab se asset allocation apne aap badalta hai.
Ek aur risk jo log kam samajhte hain: NPS me annuity ki rate retirement ke waqt jo hogi, wahi zindagi bhar milegi. Agar us waqt annuity rates kam hain, to mahine ki pension bhi kam hogi. PPF me aisa koi bandhan nahi hai — maturity par paisa aapka hai, aap apni marzi se faisla le sakte hain.
Kaun Sa Kiske Liye Sahi Hai?
PPF zyada sahi hai, agar:
- Aapko risk bilkul pasand nahi hai, aur aap chahte hain ki paisa har haal me surakshit rahe.
- Aapki umar 45-50 se upar hai aur retirement nazdeek hai — ab bazaar ke utaar-chadhaav ka samay nahi bacha.
- Aapko maturity par poora paisa ek saath chahiye — jaise bachchon ki shaadi, ghar, ya koi bada kaam.
- Aap new regime me hain aur sirf tax bachane ke liye nivesh nahi karna chahte.
- Aapke paas pehle se hi equity exposure hai (jaise mutual fund SIP), aur aap portfolio me ek surakshit hissa jodna chahte hain.
NPS zyada sahi hai, agar:
- Aapki umar 20-40 ke beech hai aur retirement ke liye 20-30 saal ka samay hai.
- Aap bazaar ke utaar-chadhaav ko samajhte hain aur lambi avadhi me zyada growth chahte hain.
- Aap old regime me hain aur ₹50,000 ki extra tax chhoot ka fayda uthana chahte hain.
- Aap retirement ke baad har mahine pension chahte hain, taaki budhaape me niyamit aamdani bani rahe.
- Aapke paas emergency fund alag se hai, aur NPS me daala gaya paisa aapko beech me nahi chahiye.
Dono ek saath kyun aksar behtar hota hai?
Kai samajhdaar niveshak dono ko ek saath rakhte hain. PPF suraksha aur tax-free maturity ke liye, NPS lambi growth aur pension ke liye. Jaise ek ghar me neev aur chhat dono zaroori hote hain, waise hi retirement portfolio me bhi suraksha aur growth dono chahiye. Agar aap har saal ₹1.5 lakh tak hi nivesh kar sakte hain, to aap uska ek hissa PPF me aur ek hissa NPS me rakh sakte hain — aur NPS me ₹50,000 extra chhoot ke liye alag se bhi soch sakte hain. Ye santulan aapki umar aur risk capacity par nirbhar karega, kisi doosre ke formula par nahi.
Aam Galtiyan: Ye Galtiyan Mat Karna
- Sirf tax dekh kar chunna: Kai log sirf ye dekhte hain ki kahan zyada chhoot milegi, aur ye bhool jaate hain ki paisa kitne saal band rahega. Tax chhoot ek saal ki hai, lock-in 15-30 saal ka hai.
- NPS ko PPF jaisa samajhna: NPS me maturity par poora paisa nahi milta — 40% annuity me jaata hai. Ye baat jaane bina NPS lena baad me nirasha de sakta hai.
- Emergency paisa NPS me daalna: Jo paisa 2-3 saal me chahiye ho sakta hai, wo NPS me mat daalein. NPS ka paisa retirement ka hai.
- PPF me der se jama karna: PPF me interest ki ganana ke liye 5 April se pehle jama karna faydemand mana jaata hai, kyunki us financial year ka poora interest milta hai. Aakhri dinon me jama karne se us saal ka fayda kam ho sakta hai.
- Ek hi yojana par poora bharosa: Sirf PPF par bharosa karne se mehngai ka risk, aur sirf NPS par bharosa karne se bazaar ka risk. Dono ka santulan aksar behtar hota hai.
- Bina soche equity 75% rakhna: Jawani me zyada equity theek hai, lekin retirement nazdeek aate hi equity kam karna zaroori hai. Auto-choice ya saalana review isme madad karta hai.
- Nominee aur documents adhoore chhodna: Dono yojanaon me nominee update rakhna, PAN, Aadhaar aur bank details sahi rakhna chhoti baat lagti hai, lekin parivaar ke liye ye sabse badi madad hoti hai.
NPS vs PPF: Kaise Shuru Karein? Step-by-Step
PPF account kaise kholein
1. Apne bank ya post office me jaayein, ya bank ki net banking se PPF account kholne ka option dekhein. 2. Aadhaar, PAN aur ek photo ke saath KYC poora karein. 3. Pehli jama rakam daalein — kam se kam ₹500 saalana, zyada se zyada ₹1.5 lakh saalana. 4. Har saal niyamit jama karein; ek saal me jama na karne par account dormant ho sakta hai aur use dobara chalu karane ke liye jurmana lag sakta hai, isliye is baat ka dhyan rakhein. 5. Account ki passbook ya online statement se balance aur interest par nazar rakhein.
NPS account kaise kholein
1. NSDL CRA (Protean) ki official website ya kisi Point of Presence (bank ya post office) ke through Tier-I account kholein. 2. Aadhaar/PAN se KYC karein, PRAN (Permanent Retirement Account Number) milega — ise sambhaal kar rakhein. 3. Pehla contribution karein — account kholne ke liye ₹500, aur saal me kam se kam ₹1,000 ka niyam dhyan me rakhein. 4. Fund manager aur asset allocation chunein — samajh na aaye to auto-choice option par vichaar karein. 5. Har saal contribution karein, aur 80CCD(1B) ki extra chhoot ke liye apne tax return me sahi section me daava karein.
Final Verdict: Kaun Sa, Kab?
Agar aapko ek line me jawaab chahiye, to ye hai: suraksha aur poora paisa ek saath chahiye to PPF, lambi avadhi ki growth aur retirement pension chahiye to NPS, aur aksar dono ka mel sabse samajhdaari bhara faisla hota hai. 25 saal ke naujawan ke liye NPS ki lambi race me jeetne ki sambhavna zyada hai, kyunki uske paas samay hai. 50 saal ke vyakti ke liye PPF ki suraksha zyada keemti hai, kyunki uske paas bazaar ke utaar-chadhaav se ubarne ka samay kam hai. Aur jo vyakti beech me hai, wo dono ko apne hisaab se baant sakta hai — jaise 60% surakshit PPF me aur 40% growth ke liye NPS me, ya iska ulta, apni risk capacity ke hisaab se.
Aakhri baat ye hai ki koi bhi yojana tabhi kaam karti hai jab aap use lagataar chalate hain. Ek saal PPF, agle saal NPS, phir teesre saal kuch nahi — isse koi portfolio nahi banta. Chhoti rakam se hi sahi, lekin niyamit shuru karein, har saal review karein, aur apni umar badhne ke saath risk dheere-dheere kam karein. Retirement planning koi ek din ka kaam nahi hai, ye zindagi bhar ki aadat hai.
Yeh sirf jaankari hai, financial advice nahi hai.
Aur jaankari ke liye padhein: PPF Kya Hai aur NPS Kya Hai 2026.
Official Links
- NPS (NSDL CRA / Protean): https://www.npscra.nsdl.co.in/
- PFRDA: https://www.pfrda.org.in/
- India Post (PPF ke liye post office se judi jaankari): https://www.indiapost.gov.in/
FAQ: NPS vs PPF Se Jude Aam Sawaal
1. NPS vs PPF me se kis me return zyada milta hai?
Iska koi pakka jawaab nahi hai, kyunki PPF ka return sarkar dwara ghoshit rate par tay hota hai (Oct-Dec 2026 me 7.1%), jabki NPS ka return bazaar par nirbhar karta hai. Lambi avadhi me NPS ka equity hissa PPF se zyada return de sakta hai, lekin ye guaranteed nahi hai. Kam return ka daur bhi aa sakta hai. Isliye NPS ko “zyada return ki guarantee” samajhna galat hoga.
2. Kya NPS aur PPF dono me ek saath nivesh kar sakte hain?
Haan, bilkul. Dono alag yojanaen hain aur ek saath rakhna aam baat hai. Bas tax chhoot ki seema ka dhyan rakhein: 80C ki ₹1.5 lakh seema dono par mili-juli lagu hoti hai, jabki NPS ki ₹50,000 extra chhoot 80CCD(1B) me alag se milti hai (old regime me).
3. New tax regime me NPS lena faydemand hai?
New regime me apne contribution par 80C/80CCD(1B) ki chhoot nahi milti, isliye sirf tax bachane ke liye NPS lena new regime me faydemand nahi hai. Lekin agar aap lambi avadhi ki growth aur retirement pension chahte hain, to NPS phir bhi ek vikalp ho sakta hai. Employer ke contribution par 80CCD(2) ki chhoot dono regime me mil sakti hai.
4. Retirement par NPS ka poora paisa ek saath mil sakta hai?
Nahi. Retirement (60 saal) par corpus ka 60% tak lump sum tax-free le sakte hain, lekin kam se kam 40% se annuity khareedna lazmi hai. Annuity se har mahine pension milti hai, jo slab rate se taxable hoti hai. PPF me aisa koi bandhan nahi hai — maturity par poora paisa ek saath milta hai.
5. PPF aur NPS me se beech me paisa nikaalna kahan aasan hai?
PPF me aasan hai. 7th financial year se partial withdrawal, 3rd se 6th saal me loan ki suvidha, aur 15 saal baad poora paisa. NPS me partial withdrawal sirf 3 saal baad, khaas kaamon ke liye, apne contribution ke 25% tak aur poori avadhi me zyada se zyada 3 baar milta hai. Isliye emergency ke paise ke liye NPS par bharosa mat karein.