If you are planning your retirement 25 years from now, compare NPS and EPF and learn about the benefits and drawbacks of both schemes. NPS and EPF + VPF can help build a retirement corpus to generate ₹50,000 monthly income, including investment requirements, returns and withdrawal rules. While EPF offers relatively stable returns and predictable accumulation, NPS provides market-linked growth and greater investment flexibility. With changes such as the Multiple Scheme Framework.