Need to decide between a PEO/payroll setup vs a contractor/consulting role for a startup opportunity. Looking to hear from folks who moved from full-time payroll to contractor mode and later rejoined another org/startup.

How did EPF behave long-term? Any issues with background verification, loans/visa processing, GST/compliance, or anything else later? Also wanted to understand practical taxation for contractor setups in India. Did the higher in-hand compensation feel worth it?

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