oh oh... i think still send back to your home de.... oi think no need sell de lor as is very good intrest de lor... better then epf... if you want check you can go the bank i told you or PNB.... you check it well lor as last time got few time the PNB give cheque of dividen... and other is keep back on the account.... i think if you continue like that for the start until now also got few K in the account already....