For millions of salaried Indians, the Employees’ Provident Fund (EPF) is more than just a savings tool—it represents financial security for emergencies, retirement, or major life milestones. Yet, for many, withdrawing their own money has become a cumbersome ordeal , riddled with delays, rejections, and opaque procedures.

IndiaToday.in spoke to Kunal Kabra, Founder, Kustodian.life and Ketan Das, Business Head of Finright Technologies, to explore what reforms and solutions could finally simplify the process and restore trust in the system.

SYSTEMIC INEFFICIENCIES SLOWING CLAIMS

Kunal Kabra pointed out that inefficiencies within the EPFO itself often compound delays. “EPFO employees really struggle with OTP and captcha-based logins, wasting hundreds of hours fighting systemic inefficienc

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