How much can ₹10,000 a month grow in EPF and NPS over 30 years?

Investing ₹10,000 monthly for 30 years means contributing ₹36 lakh. At an assumed 8.25% annual return for the entire 30-year period, EPF could grow to around ₹1.57 crore, while NPS could reach ₹1.83 crore at 9% or ₹2.26 crore at 10%. However, NPS returns are market-linked, while EPF's interest rate can change yearly.