New Delhi, Feb. 18 -- For salaried individuals in India, retirement planning goes beyond just saving-it's about making the right choices.

National pension system (NPS) and employee provident fund (EPF) are two key retirement schemes in India. While anyone can open an NPS account, one has to be in a full-time job to contribute to EPF.

Some employers now provide both, allowing employees to boost their retirement corpus while enjoying tax perks.

But should you opt for both? And how does it impact your take-home salary? Let's break it down.

"Not all employers offer NPS, but if your employer does it, you can request them to make employer contribution a part of your salary. You can have it along with employer and employee contribution to EP...