PPF pays 7.1%, EPF pays 8.25%, NPS pays whatever the market gives you. But for most salaried Indians this is not a three-way choice at all — and the tax break every other article sells you is old-regime only.
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NPS in 2026: The New 80% Withdrawal Rule and Whether NPS Is Still Worth It
The pension regulator now lets you take 80% of your NPS corpus as a lump sum instead of 60%. But the tax exemption still stops at 60%, and under the new tax regime most people can no longer claim the deduction NPS is famous for. An honest look at what NPS is worth in 2026.
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