New Delhi, Nov. 7 -- Change often meets resistance-even when it's for the better. The Employees' Provident Fund's latest overhaul, EPF 3.0, triggered a wave of backlash on social media.

The new system simplifies the complex maze of withdrawal rules by merging multiple categories into just three. Withdrawals can now be made after 12 months, instead of the earlier 5-7 years for different needs.

Processes have gone fully digital, making claims quicker and smoother. Subscribers can now access funds for education, marriage, or home purchase-and in case of emergencies, withdrawals require no proof. The number of withdrawals for education or marriage has increased significantly, making the money far more accessible to subscribers for their req...