Fintech platform Kustodian Life's Founder Kunal Kabra explained how withdrawing ₹1 lakh from EPF account at the age of 28 can cost ₹11.78 lakh at retirement. Kabra cited the power of compounding as the reason, noting that the withdrawal will take away the multiplier effect on that ₹1 lakh. Withdrawing ₹1 lakh at 35 can cost ₹6.63 lakh at retirement.