EPF and NPS are two popular retirement savings options available to employees. Here's a comparison of their features and benefits:

• Features: EPF is a mandatory contribution scheme, while NPS is a voluntary contribution scheme. EPF contributions are made by both the employee and employer, while NPS contributions are made by the employee only. EPF provides a life insurance cover, while NPS does not.

• Benefits: EPF offers a fixed interest rate declared by the government, while NPS offers market-linked returns. EPF provides a lump sum amount at the time of retirement, while NPS provides a pension. EPF is a tax-free investment, while NPS offers tax benefits under Section 80C and Section 80CCD.

By comparing the features and benefits of EPF and NPS, employees can choose the option that suits their retirement planning goals.