NPS vs EPF: Why NPS is the Better Tax-Saving Choice Under the New Tax Regime

Choosing between NPS and EPF is crucial for long-term retirement planning. Under India's new tax regime, NPS offers better tax benefits, higher returns (10-12%), and greater investment flexibility compared to EPF’s fixed 8.25% returns. With tax-free employer contributions and a tax-exempt 60% corpus withdrawal, NPS stands out as a superior tax-saving choice. This guide breaks down the benefits, comparisons, and expert insights to help you make an informed decision.