One man's pain is another man's gain is an old saying. According to the current EPFO (employee provident fund organisation) rules, 5 per cent of the investible income is permitted to be invested in the stock markets through an ETF. This has gone up to 10 per cent as stated by labour ministry, which means Rs 13,000 crore or about will find way into the stock markets through the EPFO in 2016-17.