![](/uploads/1/2/5/8/125828741/406335830.jpg)
Provisions related to TDS on withdrawal from Employees Provident Fund Scheme. 30,000/-, with service less than 5 years but submits Form 15G/15H.
The TDS threshold limit has later been raised to Rs 50,000 in 2016-17. So, TDS is not applicable if the PF withdrawal amount is less than Rs 50,000.If your EPF withdrawal amount is more than Rs 50,000 and PAN has not been verified in EPF portal then TDS will be applicable in most of the cases. In such a scenario, (if eligible) you can submit Form 15G/15H to avoid TDS being levied on your PF withdrawal amount.In this post, let us understand – When is TDS applicable on EPF withdrawals?
What are the rules related to TDS on payment of EPF Claim? How to avoid TDS on PF Withdrawal if PAN is not verified on EPF Member Portal?
How to fill and submit/upload Form 15G? What is the procedure to submit EPF Withdrawal Claim Form 15G or Form 15H online? EPF Withdrawals – Provisions related to TDSTDS is not applicable in the following cases. EPF Withdrawal Claim & applicability of TDS How to submit EPF Withdrawal Claim Form 15G online?I have observed that many of the EPF members are unable to get their in EPFO Unified Member Portal. The main reason for this is mismatch of personal details (like name or Date of birth) given in EPF UAN and PAN database (IT department).Because of this, the EPFO is levying TDS on EPF full withdrawals. Sreekanth Reddy:Sreekanth is the Man behind ReLakhs.com.
He is an Independent Certified Financial Planner (CFP), engaged in blogging & property consultancy for the last 10 years through his firm ReLakhs Financial Services. He is not associated with any Financial product / service provider.The main aim of his blog is to 'help investors take informed financial decisions.' 'Please note that the views given in this Blog/Comments Section/Forum are clarifications meant for reference and guidance of the readers to explore further on the topics/queries raised and take informed decisions. These should not be construed as investment advice or legal opinion.'
Hi,Thanks for the great blog post!I have a query regarding my PF withdrawal.I started working in July 2010 and worked in 5 different organizations before I moved abroad last year. In all organizations I had got a new PF account number. I got UAN in January 2014 and that was linked to my 4th organization.I transferred all my previous PF accounts to this PF account that was tagged to the UAN. I joined my last organization in May 2017 and worked there until December 2018 (Tenure 1.5 years). This PF account was also linked with UAN so I transferred all my previous PF balance of 4 companies to this account.
In the UAN portal, I can only see the summary for only 2 accounts.Now, I want to withdraw my PF as I no longer work there. My query is:1). When I try to withdraw my PF online, it only shows tenure of my last organization which is 1.5 years. Now if they confirm my tenure through UAN it’ll still be 4 years 11 months. Does that mean that they’ll deduct TDS?2).
If they look at all closed PF accounts then there won’t be any issue but I am not sure if they do that. How do I avoid TDS in this case?Would really appreciate your response!Regards,ArunIf they track my UAN tenure, it’ll again be 4 years 11 months.
![Form 15g for pf withdrawal online entry Form 15g for pf withdrawal online entry](/uploads/1/2/5/8/125828741/889834495.jpg)
![15g Form For Pf Withdrawal Rules 15g Form For Pf Withdrawal Rules](/uploads/1/2/5/8/125828741/878794916.jpg)
Hi,One question to which I have not got any clear-cut answer. Hope you might be able to answer(or find out from someone authoritive/experienced enuf to know and answer) – Does the 5 year rule is still be valid if say a person was in job for say 3 or 4 years(with same or more than 1 employer) then left the job becoz say he was not able to find any job or wanted to FIRE etc BUT he did not withdraw his EPF. Now after completion of 5th year from the date of EPF account first deposit(his EPF remained with his last company and earning Interest until then), he then applies for complete withdrawal. Will TDS still be deducted? Coz as per EPF/IT rule EPF is completely tax-free if withdrawn after 5 years. I feel if the amount was with EPF Body/Private Trust for 5 years then EEE should be given but best if you can tell.
![](/uploads/1/2/5/8/125828741/406335830.jpg)