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Why employees across India still prefer parking their money in the EPF Easy withdrawal, especially during emergencies, has made this old stalwart a sought-after option, to the extent that many voluntarily contribute more money to the fund (VPF). However, the NPS offers asset allocation, something the EPF doesn’t. January 22, 2021 / 06:34 PM IST Mumbai-based Malvika Chavan, 27, who worked as a guest relations executive at a hotel, lost her job last April amid the coronavirus outbreak. A couple of months on, she still hadn’t found a job and was finding it hard to make ends meet, with her savings getting depleted. Considering that she had been unemployed for 60 days, Chavan was able to dip into her Employees’ Provident Fund (EPF) kitty for funds till she found another job. ....