بسم الله الرحمن الرحيم
(Fatwa: 1141/1138/L=9/1438)
In one case the amount is deducted in the name of PF forcefully where the employee does not have any option rather the government deducts it itself and deposits it in the bank by adding equal amount on its behalf and the bank gives interest on it and all the amount including the interest is given to the employee after the employment is over. Since the employee has no option in these matters thus the extra amount is deemed to be as contribution and reward and there is no harm in taking and using it.
But, if someone opens his account in this fund with his own choice and deposits the amount in this account then the extra amount which he gets shall be interest and it shall not be lawful to take.
Allah knows Best!
Darul Ifta,
Darul Uloom Deoband