Why is no one talking about PF

Provident Fund: Is It Still Relevant?

Provident Fund (PF), though intended as a retirement safety net, raises concerns in today’s financial landscape. Including PF contributions in CTC misleads employees, reducing their take-home pay while offering low returns compared to market investments. The government’s use of PF funds for its purposes and lack of transparency further erode trust.

Employees deserve the option to manage their own savings, better returns through diversified investments, and clear disclosures on fund usage. PF, in its current form, feels outdated and in need of serious reform to truly benefit contributors. What’s your take?