if luck favors, you might be able to generate higher returns from NPS as you can invest 50% of corpus in Equity.<\/strong> However this comes at increased risk and I would not recommend. If you want to invest in equity do it with your regular savings.<\/p>\nWe would be doing a more detailed post on Comparison between NPS and EPF soon.<\/p>\n
Few Concerns:<\/h2>\n
There are still questions on how it would work for employees who have mandatory EPF but no NPS from employer.<\/p>\n
The contribution in NPS is 10% of basic + DA each from employee & employer. This is 12% in case of EPF. How this would be synced?<\/p>\n
The process of moving EPF\/superannuation fund to NPS has just been notified and you may face issues if you are first movers. I recommend you to wait at least for next few months before initiating any transfer.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"Budget 2016 had proposed provision to allow transfer of EPF to NPS. Nearly after a year PFRDA (Pension Fund Regulatory and Development Authority) has come out with guidelines on \u201cHow to transfer EPF\/Superannuation Fund to NPS\u201d. Steps to Transfer EPF to NPS: You can move EPF to NPS in following 5 steps: Step 1: Get […]<\/p>\n","protected":false},"author":1,"featured_media":7895,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[400],"tags":[396,3314,1585,2835,3316,3313,3315],"uagb_featured_image_src":{"full":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2017\/03\/How-to-Transfer-Employee-Provided-Fund-to-NPS.png",1214,1124,false],"thumbnail":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2017\/03\/How-to-Transfer-Employee-Provided-Fund-to-NPS-150x150.png",150,150,true],"medium":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2017\/03\/How-to-Transfer-Employee-Provided-Fund-to-NPS-300x278.png",300,278,true],"medium_large":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2017\/03\/How-to-Transfer-Employee-Provided-Fund-to-NPS-768x711.png",768,711,true],"large":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2017\/03\/How-to-Transfer-Employee-Provided-Fund-to-NPS-1024x948.png",1024,948,true],"1536x1536":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2017\/03\/How-to-Transfer-Employee-Provided-Fund-to-NPS.png",1214,1124,false],"2048x2048":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2017\/03\/How-to-Transfer-Employee-Provided-Fund-to-NPS.png",1214,1124,false],"yarpp-thumbnail":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2017\/03\/How-to-Transfer-Employee-Provided-Fund-to-NPS.png",120,111,false]},"uagb_author_info":{"display_name":"Amit","author_link":"https:\/\/www.apnaplan.com\/author\/admin\/"},"uagb_comment_info":1,"uagb_excerpt":"Budget 2016 had proposed provision to allow transfer of EPF to NPS. Nearly after a year PFRDA (Pension Fund Regulatory and Development Authority) has come out with guidelines on \u201cHow to transfer EPF\/Superannuation Fund to NPS\u201d. Steps to Transfer EPF to NPS: You can move EPF to NPS in following 5 steps: Step 1: Get…","_links":{"self":[{"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/posts\/7892"}],"collection":[{"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/comments?post=7892"}],"version-history":[{"count":0,"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/posts\/7892\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/media\/7895"}],"wp:attachment":[{"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/media?parent=7892"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/categories?post=7892"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/tags?post=7892"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}