{"id":47631,"date":"2025-07-13T17:22:00","date_gmt":"2025-07-13T16:22:00","guid":{"rendered":"https:\/\/newstimers.com\/index.php\/2025\/07\/13\/ppf-or-nps-in-which-scheme-will-be-more-earned-where-does-it-get-great-interest\/"},"modified":"2025-07-13T17:22:00","modified_gmt":"2025-07-13T16:22:00","slug":"ppf-or-nps-in-which-scheme-will-be-more-earned-where-does-it-get-great-interest","status":"publish","type":"post","link":"https:\/\/newstimers.com\/index.php\/2025\/07\/13\/ppf-or-nps-in-which-scheme-will-be-more-earned-where-does-it-get-great-interest\/","title":{"rendered":"PPF or NPS in which scheme will be more earned, where does it get great interest?"},"content":{"rendered":"


\n<\/p>\n


\n
\n
\n <\/p>\n
\n <\/p>\n
<\/a><\/div>\n

<\/p>\n

After retirement, money should not be faced. It is necessary to have a better plan to make financial needs to be fulfilled. By investing a scheme in which you can live life with fun in your old age. Let us tell you about two government schemes PPF and NPS, which gives great returns. Both have their own advantages.<\/span>\n<\/p>\n

\n

Public provident fund<\/h2>\n

Public Provident Fund (PPF) is a retirement savings scheme for salaried employees. The employee deposits 12% of his original salary and 12% of the dearness allowance every month and the employer also gives the same amount. This amount is limited to a maximum of Rs 15,000 per month, but employees can voluntarily deposit more than this. Employees Provident Fund Organization (EPFO) manages this fund and currently pays 8.25% annual interest. Under Section 80C of the Income Tax Act, 1961, there is a tax exemption on deposit up to Rs 1.5 lakh in the old tax rule. Interest on deposits up to Rs 2.5 lakh is also tax-free. After five years of continuous service, the mature fund of PPF becomes completely taxed. PPF is a good option for safe returns and tax benefits.<\/p>\n

NPS<\/h2>\n

The National Pension System (NPS) is an open government retirement scheme for all Indian citizens aged 18 to 70 years. In this, the deposit is invested in equity, date and government securities. Tax exemption is given on deposit up to Rs 2 lakh under Section 80C and 80 CCD (1B). There is no upper limit of deposits in NPS, but it is necessary to deposit a minimum of 500 rupees. Unlike PPF, returns in NPS are not guaranteed, as it depends on the performance of the stock market. Nevertheless, according to previous trends, NPS has given 8-10% annual returns. 60% fund can be extracted on retirement, and the remaining 40% monthly pension scheme has to be purchased.<\/p>\n<\/div><\/div>\n


\n <\/p>\n