NPS vs PPF Calculator — Which Gives Better Returns?
NPS with 50% equity typically returns 9.5% blended vs PPF's fixed 7.1%. Over 25 years, ₹5,000/month in NPS builds ~₹72.89 lakh vs PPF's ~₹40.68 lakh (at max ₹1.5L/year for 15 years). However, PPF is fully tax-free while 40% of NPS must buy an annuity.
Total Corpus
₹61,43,586
Est. Monthly Pension
₹12,287
Tax-Free Lumpsum (60%)
₹36,86,152
Annuity Fund (40%)
₹24,57,434
Equity assumed at 12% p.a., Debt at 7% p.a. Max equity allocation is 75% (Active choice). 60% lumpsum is tax-free; 40% must be used to buy an annuity (6% annuity assumed for pension estimate).
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Calculated with CalcHub
Common questions about NPS vs PPF Calculator — Which Gives Better Returns?
Should I invest in NPS or PPF?
Both serve different purposes. PPF is ideal for risk-free, fully tax-free savings (EEE). NPS offers potentially higher returns through equity exposure and an extra ₹50K tax deduction under 80CCD(1B). Many investors use both — PPF for safety and NPS for growth + pension.