Employee Provident Fund or FD - Better Investment option

PF money can be withdrawn after 5 years from the date of 1st investment to enjoy tax free benefit and that too only 75% withdrawal is allowed so if you dont need money in case of any emergency then let it be in PF since it gives 9% interest which is 3% more than what FD gives but i would prefer investing in FD since it can be broken anytime more better option will be mutual funds though.