EPF balance poll

Pros:

1. Best interest rate for debt
2. Redemption allowed when truly necessary (Job loss, medical etc). Its best as contingency fund

Cons:

1. EPFO is very very fucked up. Website doesn't load, service is shit, requests take longer to process, balance shown is lagged by more than a year or completely inaccurate, transfers are a PITA, staff shud be flogged publicly