PF Compliance
EPF vs NPS: Which Retirement Vehicle Should Employees Choose?
2025-10-26 · 7 min
Many employers now offer NPS alongside EPF. Here's how the two compare for employees and CFOs.
Taxation
EPF: EEE up to wage cap; NPS: partial taxation at withdrawal with additional 80CCD(1B) deduction.
Returns
EPF returns are notified annually; NPS returns are market-linked.
Liquidity
EPF allows partial withdrawals; NPS is largely locked till 60.
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