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RFB you can tailor as per your need - like LTA, petrol reimbursement and other things to save on tax. If you opt for entire RFB to be credited to your account you will end up paying more tax but you can opt for this amount to be credited along with salary.
As per my knowledge, the NPS amount will be deducted before salary is credited. You can attain a tax rebate of 50k per annum via NPS. But you can't pull the amount out before you're 60. So it's a dubious fund allocation as per me.