How to use my old EPF money – Withdraw, Invest or Prepay home loan ?

I recently changed my job and have doubt about Provident Fund.

PF of approx. 1 lacks is accumulated in my PF account from my previous job. I have an option of withdrawing this sum and invest it somewhere else (I know ideally I should transfer this amount to new PF account).

Please suggest which will be more profitable option from below:

·         Transfer amount from old PF account to new one (I heard that this takes long time. Aslo usually we don’t get chance to withdraw PF).

·         Home loan prepayment (I have taken 14 lacks home loan in 2012 and EMI is jointly paid by my wife).

·         Investment in share market ( I am already doing SIP of 15000 per month)

·         FD / tax saving FD

·         Any other profitable option