PPF, NPS & Government Schemes

Q: Is NPS better than PPF for retirement?

NPS offers market-linked returns (10-12% historical) with additional ₹50K 80CCD(1B) deduction. PPF gives guaranteed 7.1% with full tax-free maturity. NPS is better for higher returns, PPF for safety.

Compare sovereign savings schemes. Current rates, tax benefits under 80C/80CCD, lock-in periods, and projected maturity values.

Government-backedRates updated quarterly

All Schemes PPF NPS Sukanya Samriddhi SCSS KVP NSC

13 government-backed savings schemes compared

Related Calculators

PPF Calculator

15-year maturity projection

NPS Calculator

Retirement corpus + pension estimate

Tax Saving 80C

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Retirement Planner

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Government Scheme FAQs

What is the current PPF interest rate?

PPF rate is 7.1% per annum (Q1 FY2026-27), compounded annually. The rate is reviewed every quarter by the Ministry of Finance. PPF has a 15-year lock-in with partial withdrawal allowed from year 7.

Is NPS better than PPF for retirement?

NPS offers market-linked returns (10-12% historical equity returns) with additional ₹50,000 deduction under 80CCD(1B). PPF gives guaranteed 7.1% with fully tax-free maturity. NPS is better for higher returns; PPF for guaranteed safety.

What is Sukanya Samriddhi Yojana (SSY)?

SSY is a government savings scheme for the girl child. Current rate: 8.2%. Maximum deposit: ₹1.5L/year. Matures when girl turns 21. Fully tax-free (EEE status) and qualifies for 80C.

Can I withdraw from PPF before 15 years?

Partial withdrawal is allowed from year 7 (up to 50% of balance). Premature closure is only allowed after 5 years for medical emergencies or higher education. Loan against PPF is available from year 3.

What is the maximum 80C deduction for government schemes?

Total Section 80C deduction is ₹1.5L per year. This covers PPF, ELSS, SSY, NSC, tax-saving FDs, and life insurance premium combined. NPS gets additional ₹50K under 80CCD(1B).

How does InvestingPro compare government schemes?

We compare current interest rates, tax treatment (EEE/EET), lock-in periods, withdrawal flexibility, and projected maturity values. All data sourced from official government notifications.

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