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Difference Between NPS and EPF

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Difference Between NPS and EPF

National Pension System Employees' Provident Fund Voluntary retirement savings scheme Mandatory retirement savings scheme for the salaried For all individuals Only for the salaried class Contribution up to 10 per cent of basic + DA allowed Contribution towards EPF is tax exempt ( up to ₹ 1 lakh) deduction, inclusive in section 80C limit of ₹ 1 lakh under the Section 80C Withdrawals taxable at slab rate Withdrawals taxable if not completed five years in an organisation Invests up to 50 per cent of the corpus in equity market Does not invest in equities Should give better returns than EPF; returns not guaranteed Interest rates fixed every year, guaranteed Limited premature withdrawal allowed but taxable, Premature withdrawals allowed before maturity, without leads to account closure foreclosure Account can be closed only after the age of 60 No restrictions ; complete withdrawal allowed on certain grounds Cost levied on investment* No cost involved

*NPS charges fund management fee of 0.0102 per cent for government employees and 0.25 per cent for private sector Figures in brackets show number of subscribers *Works on ultra- low admin and transaction costs, to make such small investments viable There are some 16 crore EPF accounts of which around 4 crore are currently active, 4 crore of the inactive accounts are inoperative Source: PFRDA

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