Employee Provident Fund - Is It A Right Investment Or A Loss Proposition For Our Life Security?

There were many articles that were written about the EPF contributions and the sanctity of the EPF contribution for the employee welfare by many experts in many instances and in various publications. But to our dismay, I find very few articles that really talk about the issue ‘Is the EPF contributions a prudent investment for the employee that can support his/her life in long term?’ Definitely I will say NO.
This article is an attempt to throw light over certain points about EPF.
Please go through the article attached with support calculation in the excel for your reference.
I invite the opinions.
Thanks N Regards,