i am completely agree with Mr. MUBASHIRA.S.M, my view might hurt some one but it was not my intension.
Now after reading my own lines, i am feeling like its too much but Replies are even more surprising....i am feeling like "To correct one stupid, everyone is becoming stupid".
however i will still argue with Mr. Abbas, he has lot of misunderstanding about this PF Scheme as per my knowledge(which i got from RTI and EPF website). However i am not here to teach some one, intension was to get more views and data in this matter, which is always better to justify myself.
Finally i am not a HR person, so i don't have much interest in this Citehrcom, i browse sometimes just to get information to improve my personal life.
i never said that i am the most knowledgeable, thats why i asked for the discussion, otherwise i would have simply closed my browser.