NPS vs PPF vs ELSS
Compare tax-saving investments with accurate 2024-25 rules.
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₹
Tax Settings
Comparison after 30 years
NPSLow risk
₹2,62,12,241
Net after tax
Invested₹45,00,000
Tax saved/year₹60,000
Lock-inTill 60
PPFZero risk
₹1,52,68,957
Net after tax
Invested₹45,00,000
Tax saved/year₹45,000
Lock-in15 years
ELSSHigh risk
₹3,91,86,557
Net after tax
Invested₹45,00,000
Tax saved/year₹45,000
Lock-in3 years
💡 Recommendation
A balanced mix of all three gives diversification: PPF for safety, ELSS for growth, NPS for extra tax benefit.
📈
Best Returns
ELSS
🛡️
Safest
PPF
💧
Most Liquid
ELSS
💰
Max Tax Benefit
NPS
Suggested Allocation for You
NPS 33%
PPF 33%
ELSS 34%
Quick Reference (2024-25)
NPS
- • 80C + extra ₹50K (80CCD1B)
- • 60% lump sum tax-free
- • Lock-in till 60
PPF
- • 80C (max ₹1.5L/year)
- • 100% tax-free (EEE)
- • 7.1% current rate
ELSS
- • 80C (no limit on invest)
- • LTCG 12.5% above ₹1.25L
- • Only 3 years lock-in