PPF vs NPS: Tax Benefits, Returns and Lock-in Period Explained for Retirement Planning

PPF and NPS are popular choices for retirement planning and long-term wealth creation. But how do their tax benefits work under the old and new tax regimes? Gauri Chadha, Tax Expert, explains PPF’s tax-exempt returns, 15-year lock-in and the importance of having an emergency fund before investing. The discussion also explores NPS tax benefits, compounding, post-tax returns and how investors should choose between these products based on their financial goals, liquidity needs and retirement plans. Understand the key factors to consider before locking your money into long-term investments.