The Employees Provident Fund Organisation (EPFO) is one organisation that continues to be a major source of harassment for the working population in the organised sector in India. It is a well known fact that in a majority of cases, it takes upwards of 1-2 years to get one’s PF transferred, leading many to either forget about their accumulated PF, or else withdraw it instead of transferring it (which is a relatively faster option). My proposal is to have one single EPF account per individual which will be retained by them for their entire working life.