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@godsjules Boss then it's a no brainer, just apply asap. No 15L is gong to give you a monthly interest even if you let go principal.

@godsjules Ok then ans these questions 1. Home many more years till you father retire. Apart from 7.7L how much more EPF to EPS is getting transferred if any?

@godsjules I am not sure if this is the exact similar situation, but I think what happened is earlier in 2000-2005s you had option to either opt in/out of this bank/PSU pension scheme, and because the Interest rate were high your father might have decided toopted out. Now after some negotiation...