Tax · Free tool
EPF Withdrawal Tax
Continuous service of 5 years (across employers, with transfer) makes withdrawal tax-free. Premature withdrawal: TDS at 10% with PAN, 20% without. Below ₹50,000: no TDS but added to income.
₹1,50,000
3 yrs
₹15,000 TDS
Rate: 10%
10% TDS deducted. Final tax at slab — claim refund if over-deducted.
FAQ
Avoid the 10% TDS?
File Form 15G (under 60) or 15H (60+) if total income is below basic exemption. Submit before withdrawal.
What counts as 5 years?
Continuous service across employers, with EPF transferred (not withdrawn). One withdrawal-and-restart resets the clock.
COVID-19 partial withdrawal — taxable?
COVID-19 special withdrawal was tax-free regardless of service period.