EPF and PPF 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 PPF is a voluntary contribution scheme. EPF contributions are made by both the employee and employer, while PPF contributions are made by the employee only.

• Benefits: EPF offers a fixed interest rate declared by the government, while PPF offers a higher interest rate than EPF. EPF provides a life insurance cover, while PPF does not. EPF provides a lump sum amount at the time of retirement, while PPF provides a tax-free pension.

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