Should I still invest in NPS?

[Gupta777]

There are recent changes in the tax regime, so is it still worth investing in NPS? I don't see many tax benefits associated with NPS investments. So it’s better to invest in mutual funds rather than NPS.

[Ritika]

NPS continues to provide essential tax benefits, particularly under Section 80CCD(1B), which offers further tax deductions, but the new system has lessened its tax-savings advantage.

Mutual funds provide flexibility and the possibility of higher returns, but NPS offers a systematic plan for retirement savings with tax benefits.

Keeping some investments in NPS is worth it if retirement tax-saving is your priority. Otherwise mutual funds offer more returns and liquidity.