Explain the provident fund, gratuity and workman's compensation.

The savings' institution: the worker's-and-employer's contributions (the monthly percentages — the fund's accumulation); the interest's accrual (the annual faces); the withdrawal's rules (the retirement-and-resignation; the housing-medical-emergencies' partial faces); the portability (the job-change's transfer); the employer's matching duty (the benefit's compulsory character).