{"id":108450,"date":"2022-06-21T16:16:27","date_gmt":"2022-06-21T10:46:27","guid":{"rendered":"https:\/\/legalwindow.in\/?p=108450"},"modified":"2022-12-26T12:37:21","modified_gmt":"2022-12-26T07:07:21","slug":"difference-between-epf-ppf-nps","status":"publish","type":"post","link":"https:\/\/www.legalwindow.in\/blog\/difference-between-epf-ppf-nps\/","title":{"rendered":"Difference between EPF, PPF &#038; NPS and Tax Benefits"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-108453 size-full\" title=\"Difference between EPF, PPF &amp; NPS and Tax Benefits\" src=\"https:\/\/legalwindow.in\/wp-content\/uploads\/Difference-between-EPF-PPF-NPS-and-Tax-Benefits-1.png\" alt=\"Difference between EPF, PPF &amp; NPS and Tax Benefits\" width=\"1200\" height=\"630\" srcset=\"https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/Difference-between-EPF-PPF-NPS-and-Tax-Benefits-1.png 1200w, https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/Difference-between-EPF-PPF-NPS-and-Tax-Benefits-1-600x315.png 600w, https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/Difference-between-EPF-PPF-NPS-and-Tax-Benefits-1-300x158.png 300w, https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/Difference-between-EPF-PPF-NPS-and-Tax-Benefits-1-1024x538.png 1024w, https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/Difference-between-EPF-PPF-NPS-and-Tax-Benefits-1-768x403.png 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">As the financial year draws to a close, all leading employees find themselves working on their investments that will help with tax <\/span><span style=\"font-weight: 400;\">deductions<\/span><span style=\"font-weight: 400;\">. It is better to plan your finances in advance than to wait a year. The <\/span><span style=\"font-weight: 400;\">Government of India<\/span><span style=\"font-weight: 400;\"> has introduced various tax savings programs that offer many benefits to leading employees. If you plan to invest in any of the savings programs available, you should be well aware of the features, benefits and disadvantages that these programs offer. This article discusses difference between EPF, PPF &amp; NPS and <\/span><span style=\"font-weight: 400;\">tax benefits<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<table style=\"width: 100%;\">\n<tbody>\n<tr>\n<td style=\"border: 1px solid #555;\"><b>Table of contents<\/b><\/p>\n<ul>\n<li><a href=\"#Employee\"><span style=\"font-weight: 400;\">Employee\u2019s Provident Fund<\/span><\/a><\/li>\n<li><a href=\"#Public\"><span style=\"font-weight: 400;\">Public Provident Fund\u00a0<\/span><\/a><\/li>\n<li><a href=\"#National\"><span style=\"font-weight: 400;\">National Pension System<\/span><\/a><\/li>\n<li><a href=\"#Final\"><span style=\"font-weight: 400;\">Final words<\/span><\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"Employee\"><b>Employee\u2019s Provident Fund<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">This program was initiated under the <\/span><span style=\"font-weight: 400;\">Employee\u2019s <a href=\"https:\/\/legalwindow.in\/pf-esi-registration\/\" target=\"_blank\" rel=\"noopener\">Provident Fund<\/a> and Miscellaneous Act, 1952<\/span><span style=\"font-weight: 400;\">, for the benefit of employee post-retirement. The scheme was a collection of employer and employee funds.<\/span><\/p>\n<p><strong>Features:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Under this scheme, both the employer and the employee contribute 12% of the employee&#8217;s salary and allowance to the provident fund account on a monthly basis.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An employee contributes 12% of his or her Employee Provident Fund account and the employer contributes 8.33% to the Employee Pension Scheme and the remaining 3.67% to 3.67%.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An important point is that an employee can open only one account during his or her lifetime, in the event of a change of employment the previous employer must transfer the value to the new employer.<\/span><\/li>\n<\/ul>\n<h3><strong>Benefits under the scheme:\u00a0<\/strong><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The plan provides benefits to the employee by saving a portion of his or her monthly salary.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The interest rate under this scheme is adjusted by the Employee provident Fund office, the current rate under the Employee Provident Fund is 8.5% p.a.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employee income and interest accrual are tax-free.\u00a0<\/span><\/li>\n<li id=\"Public\">In the event of the death of the account holder, the nominee or legal heirs may deduct the amount.<\/li>\n<\/ul>\n<h2><b>Public Provident Fund\u00a0<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">This was launched by the Indian government, as introduced by the government is considered a very safe investment.\u00a0<\/span><\/p>\n<p><strong>Features:\u00a0<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Any Indian citizen can invest in the Public Provident Fund by opening an account at any post office, nationally accredited bank or any major private bank.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The person who created the account under this program can withdraw the partial amount after the expiration of 5 years.\u00a0<\/span><\/li>\n<\/ul>\n<p><strong>Benefits under the Scheme:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Under this program the interest rate is determined on a quarterly basis, the current interest rate i.e. FY 2021-2022 is 7.1%.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investments made under this scheme are not risky at all, as interest is paid by the government.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investments under the Public Provident Fund provide a deduction of Rs. 1.5 lakh under Section 80C for the financial year.\u00a0<\/span><\/li>\n<li id=\"National\">An investor may also be able to borrow money deposited under this account after the end of the 3rd to 6th year.<\/li>\n<\/ul>\n<h2><b>National Pension System:\u00a0<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">National Pension System formerly known as the National Pension Scheme, the purpose of which is to invest under this scheme as a contribution by the subscriber into various market-linked tools such as stocks and bonds.\u00a0<\/span><\/p>\n<p><strong>Features:\u00a0<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Pension Fund Regulatory Authority of India is the regulatory authority for the National Pension Scheme.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Eligibility for investment under this program is any Indian citizen between the ages of 18 and 60 who can invest.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investments made under the National Pension System will also be invested in 4 different categories such as equity, corporate bonds, government bonds and other assets.<\/span><\/li>\n<\/ul>\n<p><strong>Benefits under the scheme:\u00a0<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An investor can withdraw part of the money from an account opened under this scheme after the expiration of 3 years.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The investor may also claim a tax benefit of Rs. 1.5 lakh as per Section 80C of the<a href=\"https:\/\/www.incometaxindia.gov.in\/pages\/acts\/income-tax-act.aspx\" target=\"_blank\" rel=\"noopener\"> Income Tax Act<\/a>.\u00a0<\/span><\/li>\n<\/ul>\n<p><strong>Benefits of NPS Account\u00a0<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Low Cost: &#8211;<\/b><span style=\"font-weight: 400;\"> NPS is considered to be the least expensive pension system in the world. Administrative and fund management costs are also very low.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Least complicated:- <\/b><span style=\"font-weight: 400;\">What the applicant has to do is to open an account with any POPs held at all Post Office Offices throughout India and obtain a Permanent Retirement Account Number (PRAN)\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Flexible: &#8211;<\/b><span style=\"font-weight: 400;\"> The applicant can choose his own investment method and Pension Fund or choose Auto option for a better return.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mobile: &#8211;<\/b><span style=\"font-weight: 400;\"> The applicant can use the account anywhere in the country and can pay contributions in any of these ways. POP-SP regardless of the POP-SP branch the applicant has registered with, even if it changes its city, occupation etc. and also donates to eNPS. The account can be changed to any other category such as Public Sector, Business Model in case the registrar gets a job.<\/span><\/li>\n<\/ul>\n<h3><b>Difference between EPF, PPF &amp; NPS<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">It is recommended that you carefully grasp the differences between all of the various saving scheme alternatives before making an educated and prudent selection. Individual schemes&#8217; particular features, as well as the advantages they provide, are listed below.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Parameter<\/b><\/td>\n<td><b>EPF<\/b><\/td>\n<td><b>PPF<\/b><\/td>\n<td><b>NPS<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Maturity Period<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Upon retirement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Upon retirement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">After 60 or 70 years of age<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Interest offered<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Decided by Govt; 8.10% in Q1 FY22-23<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Decided by Ministry of Finance, 7.1% in Q1 FY 22-23<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ranges from 12%-14% depending upon fund\u2019s performance<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Safety of Investment<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Government-backed, safe<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Government-backed, safe<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Relatively Safe investments, depending upon market fluctuations<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Eligibility<\/b><\/td>\n<td><span style=\"font-weight: 400;\">All Indian employees<\/span><\/td>\n<td><span style=\"font-weight: 400;\">All Indian citizens, except <a href=\"https:\/\/legalwindow.in\/nri-taxation\/\" target=\"_blank\" rel=\"noopener\">NRIs<\/a><\/span><\/td>\n<td><span style=\"font-weight: 400;\">Any individual<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Contribution<\/b><\/td>\n<td><span style=\"font-weight: 400;\">12% of employee\u2019s basic and dearness by employee and employer, each<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Any amount between Rs.500 and Rs.1.5 Lakh<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Minimum Rs.6000; no maximum limit<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Tax Benefits<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Tax-free upto Rs. 1.5 Lakh<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Tax-free upto Rs. 1.5 Lakh<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Tax-free upto Rs. 1.5 Lakh<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Pre-withdrawal options<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Partial withdrawals, under specific conditions before 5 years subject to<a href=\"https:\/\/legalwindow.in\/tds-returns\/\" target=\"_blank\" rel=\"noopener\"> TDS deduction<\/a><\/span><\/td>\n<td><span style=\"font-weight: 400;\">Partial withdrawals under specific conditions after completion of 5 or 7 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Only 20% of the total amount before retirement<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><a href=\"https:\/\/legalwindow.in\/pf-esi-registration\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-111731 size-full\" title=\"get provident fund registration in Jaipur \" src=\"https:\/\/legalwindow.in\/wp-content\/uploads\/get-provident-fund-registration-in-3000.png\" alt=\"get provident fund registration in Jaipur \" width=\"1000\" height=\"200\" srcset=\"https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/get-provident-fund-registration-in-3000.png 1000w, https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/get-provident-fund-registration-in-3000-600x120.png 600w, https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/get-provident-fund-registration-in-3000-300x60.png 300w, https:\/\/www.legalwindow.in\/blog\/wp-content\/uploads\/get-provident-fund-registration-in-3000-768x154.png 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/a><\/p>\n<h2><\/h2>\n<h2 id=\"Final\"><b>Final words<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Each of these savings schemes offers different benefits and contains different features. Depending on factors such as liquidity, the amount to be invested, the need for withdrawal, refunds, etc. you can make a wise and informed decision about which plan to invest.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you seeking somebody who can help you out with Tax Planning? Connect to <\/span><a href=\"https:\/\/legalwindow.in\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Legal Window<\/span><\/a><span style=\"font-weight: 400;\"> and our experts will help you through the efficient Tax Planning.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As the financial year draws to a close, all leading employees find themselves working on their investments that will help with tax deductions. It is better to plan&hellip;<\/p>\n","protected":false},"author":5,"featured_media":108454,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-108450","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-miscellaneous"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Difference between EPF, PPF &amp; NPS and Tax Benefits &#187; Legal Window<\/title>\n<meta name=\"description\" content=\"In this article we discussing about difference between EPF, PPF &amp; NPS and tax benefits. 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