What You Need to Know About National Pension Scheme Interest Rates

National Pension Scheme interest rate comparison 2025-26 showing equity, debt, and government fund returns with long-term compounding impact

Teachers often dismiss the National Pension Scheme as “too risky,” but the numbers tell a different story. While the Public Provident Fund (PPF) locks you into a flat 7.1%, NPS’s market-linked returns have quietly built far bigger retirement wealth — nearly doubling PPF over 25–30 years. With top pension funds delivering 12–15% returns and new rules allowing 100% equity allocation, the National Pension Scheme is no longer a slow saver’s choice — it’s a long-term growth engine for India’s teachers and salaried professionals.