Hi Sunil, I am planning to buy a under construction Apartment and to fund it, I intend to partly withdraw my Provided Fund(PF). I also have funds available from the sale of my parental flat that was sold around 4-5 months ago (when the parental flat was sold it was on my mother's name). I want to buy the NEW apartment jointly in my Mom's and my name, so that amount received from sale of parental flat is reinvested and capital gains can be avoided on Mom's behalf. However the challenge, I have is, according to the norms of PF, I cannot have joint name other than spouse, if I am using funds from Provided Fund(PF). Please can you suggest me, how I can withdraw from Provided Fund(PF) and also use proceedings from parental flat sale.