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Multiplying your EPF corpus EPF is a debt-based investment instrument which doesn’t have any exposure to the market. Thus, it could fetch you negative returns when the inflation goes very high. It makes sense to withdraw and re-invest some portion of your EPF in high growth instruments. While checking the EPF balance is now easy, it is equally easy to withdraw your EPF corpus and earn more on it. When you transfer or withdraw your EPF, consider highly lucrative fixed income instruments like fixed deposit, which offers guaranteed returns with safety of capital.