Provident fund- 5% employee contribution (manditory). Company contribution of 12% until 10 years service, then 17%. You choose how it is invested from a range of funds. Doesn't set the world on fire but "normal" investment returns (10-12ish%) are achievable. On leaving you get your contributions, plus all the company contributions provided you've served 7 years.
F/Os with children get a Villa.