As a retirement savings instrument, it is not advisable to withdraw PF (Provident Fund) for a home loan. Withdrawing PF may result in a shortfall in retirement funds and may have tax consequences. Instead, consider other options such as obtaining a top-up loan or negotiating a lower interest rate with the lender. It is also recommended that, rather than relying on PF or other retirement funds, a separate emergency fund be established to cover any unexpected expenses.
