When you withdraw your Provident Fund (PF), tax deduction can become a major concern—especially if your income is below the taxable limit. This is where Form 15G helps.
Form 15G is a declaration that allows eligible individuals to avoid TDS (Tax Deducted at Source) on their PF withdrawal.
If your annual income does not exceed the basic exemption limit, you can simply submit Form 15G to ensure that your PF withdrawal is processed without any tax deduction.
⭐ What is Form 15G for PF Withdrawal?
Form 15G is a self-declaration form available to:
- Resident individuals below 60 years of age, and
- Hindu Undivided Families (HUFs)
It allows them to request no TDS deduction if their total estimated income is below the taxable limit. In the context of PF withdrawal, Form 15G prevents EPFO from deducting TDS on your withdrawal amount.
🔹 Eligibility to Submit Form 15G for PF Withdrawal
You can use Form 15G if:
- Your age is below 60 years
- You are a Resident Indian
- Your estimated annual income is below the basic exemption limit
- ₹2,50,000 under the Old Tax Regime
- ₹4,00,000 under the New Tax Regime
- Your PF withdrawal amount exceeds ₹50,000
- Your service is less than 5 years
If all above conditions are met, Form 15G can help you withdraw PF without TDS.
⭐ Where to Download Form 15G?
You can download Form 15G from multiple official sources:
✔ 1. EPFO Website
EPFO provides a direct link where you can download the latest Form 15G.
✔ 2. Income Tax Department Website
Available for free download in PDF format.
✔ 3. Banks’ Websites
Almost all major Indian banks host Form 15G under their forms section.
✔ 4. Direct Download Link of Form 15G ⬇️
⭐ Is Form 15G Mandatory for PF Withdrawal?
No — submitting Form 15G is not compulsory, but it is essential if:
- Your service is less than 5 years, and
- PF withdrawal amount is more than ₹50,000, and
- You want to avoid TDS deduction
If you don’t submit Form 15G when eligible, TDS will automatically be deducted.
⭐ PF Withdrawal TDS Rules
| Scenario | TDS Applicable |
|---|---|
| PAN submitted, Form 15G NOT submitted | 10% TDS |
| Neither PAN nor Form 15G submitted | 20% TDS |
| Form 15G submitted and conditions met | No TDS |
| PF withdrawal after 5 years of service | No TDS |
| PF withdrawal below ₹50,000 | No TDS |
⭐ How to Submit Form 15G Online for PF Withdrawal?
EPFO now allows you to upload Form 15G online directly on the UAN portal.
🔹 Step 1 — Log in to EPFO UAN Portal
Open the EPFO UAN Portal → Login using:
- UAN
- Password
- Captcha
🔹 Step 2 — Go to “Online Services”
Click Online Services → Claim (Form-31, 19, 10C).
🔹 Step 3 — Verify Your Bank Details
Enter your bank account number → Click Verify.
🔹 Step 4 — Upload Form 15G
Under the claim section, you will see Upload Form 15G for PF withdrawal.
Upload the correctly filled PDF.
Your Form 15G is now submitted.
⭐ How to Fill Form 15G for PF Withdrawal (Part I Only)
For PF withdrawal, you need to fill only Part I of Form 15G.
Here’s how to complete each field:
✔ 1. Name of Declarant
Your name as per PAN card.
✔ 2. PAN Number
Make sure the PAN is valid and the 4th letter is P (indicating individual).
✔ 3. Status
Select Individual.
✔ 4. Previous Year
Select the financial year for which you are filing this declaration.
✔ 5. Residential Status
Must be Resident (NRIs cannot use Form 15G).
✔ 6. Address
Provide your full address with PIN code.
✔ 7. Contact Details
Enter active email ID & mobile number.
✔ 8. Tax Assessment Status
Answer “Yes” if you’ve filed an ITR previously.
✔ 9. Assessment Year
Mention the latest assessment year for which you filed ITR.
✔ 10. Estimated PF Withdrawal Amount
Enter your expected PF withdrawal amount.
✔ 11. Estimated Total Income of the Year
Your total expected income in that financial year (including PF withdrawal).
✔ 12. Previous 15G Filings
If you filled Form 15G earlier this year, mention:
- How many
- Total income amount declared in them
✔ 13. Details of Income
Provide details like:
- Nature of income
- Amount
- Section under which TDS applies (Section 192A)
- Account/Investment number (your PF account)
Cross-check all fields before signing the form.
⭐ How Much PF Interest is Tax-Free?
Interest on EPF contributions up to ₹2.5 lakh per year is tax-free.
Interest earned on contributions exceeding this limit becomes taxable.
⭐ When is TDS Not Applicable on PF Withdrawal?
No TDS is deducted when:
✔ Withdrawal after 5 years of total service
✔ PF transfer to another account
✔ Withdrawal due to:
- Medical issues
- Employer shutting business
- Project completion
- Circumstances beyond employee’s control
✔ PF amount less than ₹50,000
✔ Submission of Form 15G/15H + PAN
⭐ Conclusion: How to Avoid TDS on PF Withdrawal
Form 15G is an effective way to ensure that no TDS is deducted from your PF withdrawal—provided you meet the eligibility criteria.
By downloading, filling, and uploading Form 15G correctly on the EPFO portal, you can enjoy a smooth and tax-free PF withdrawal process.
Always verify your income before submitting, as false claims under Form 15G may lead to penalties.