With EPFO holding rates at 8.25%, salaried investors face a sharper question: whether higher guaranteed returns in EPF still outweigh tax rules, liquidity constraints and the rise of market-linked alternatives like NPS. With EPFO holding rates at 8.25%, salaried investors face a sharper question: whether higher guaranteed returns in EPF still outweigh tax rules, liquidity constraints and the rise of market-linked alternatives like NPS. by Soban News (international And National News)