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💰 NPS · PPF · FD · Side by SideNPS · PPF · FD · तुलना
NPS / PPF / FD ComparatorNPS / PPF / FD तुलना
Compare returns, tax treatment and liquidity across India's most popular retirement and savings instruments.
Same amount compared across all 3
Key Features at a Glance
| Feature | विशेषता | NPS | PPF | FD |
|---|---|---|---|---|
| Current Rate | ~10–12% (market) | 7.1% (Q1 FY26) | 6.5–7.5% (varies) | |
| Lock-in | Till 60 years | 15 years | As chosen | |
| Liquidity | Low | Partial (yr 7+) | High | |
| 80C Benefit | Yes (80CCD) | Yes | Yes (5yr FD) | |
| Tax on Returns | 60% tax-free at exit; 40% annuity taxable | Fully tax-free (EEE) | Fully taxable at slab rate | |
| Market Risk | Medium | None | None | |
| Best For | Retirement corpus building | Long-term safe savings | Short/medium-term fixed returns |
Returns Comparison
⚖ Disclaimer
NPS returns are estimated based on historical equity/debt blended returns (70/30 split). PPF rate is 7.1% as of Q1 FY2026 and is subject to quarterly revision by the Government of India. FD rates vary by bank and tenure. Tax calculations are estimates. This tool does not account for NPS annuity taxation in detail. Consult a SEBI-registered advisor or CA before making investment decisions.
NPS रिटर्न ऐतिहासिक डेटा पर आधारित अनुमान है। PPF दर Q1 FY2026 के अनुसार 7.1% है। FD दरें बैंक और अवधि के अनुसार भिन्न होती हैं। निवेश से पहले CA से परामर्श करें।