EPF calculator: How one withdrawal at age 35 can make you lose Rs 64 lakh by retirement

Withdrawing from EPF at 35 can cost Rs 64 lakh by retirement. A single Rs 7.25 lakh withdrawal at age 35 reduces retirement wealth by nearly Rs 9 for every Rs 1 taken. Many salaried employees tap into EPF for needs, unaware of the "hidden cost" of lost compounding.