As Salaama Alaikum,
The company I work at has a compulsory provident fund for its employees. The money is directly deposited from your account and you have no access to the funds.
After leaving the company, the funds become available to you by transferring into your bank account. The funds are heavily taxed by the government depending on the amount in the funds(a minimum of 18% tax)
Is it permissible to use the funds as you wish when you get the cash?