Hi Priya,
Just a clarification on the withdrawal of PF. If a person has left the previous organization and joined some other organization immediately or in few weeks, than he/she cant withdraw the PF. There has to be gap of atleast 2 months between 2 jobs.
Lets say a person left his job 3 months gap and he withdraw his PF, now as there was Gap of more than 3 months in next job so in next company he can opt for no PF option.
if its not than he/she has to opt for PF.