September 16, 2019

EPF Form 15G – How to fill online for EPF withdrawal?

Recently EPFO Unified portal launched a facility to submit EPF Form 15G to allow the EPF members to withdraw it online. This also makes you to avoid the TDS.

Note:-Now you can update your bank details online. Refer my post “How to correct/update Bank details in EPF/UAN online?“.

TDS on EPF Withdrawal Rules

Before jumping into know the process of submitting the Form 15G, let us first understand the rules related to TDS with respect to EPF withdrawal. I have already written a detailed post on this “EPF Withdrawal Taxation-New TDS (Tax Deducted at Source) Rules“.

For your brief recap, I will share the below image which clears everything for you.

TDS on EPF Withdrawal 2016

# If you are withdrawing the EPF after 5 years of service, then there is no TDS at all.

# Here, 5 years means 5 years of contribution. Hence, if you worked for 3 years and kept the account idle for another 2 years, thinking you can avoid TDS means you are wrong. As for TDs purpose, your contribution period is considered.

# Even if you worked in multiple organizations but you retained the same EPF account, then such combined service period is considered as single and eligible for TDS exemption (if your combined all earlier employments contributory period is more than 5 years.

# When your service is less than 5 years and you are withdrawing the EPF, then during the financial year of your withdrawal, it is taxed under your head.

# Your employer’s contributions along with the accumulated interest amount will be taxed as “profits in lieu of salary” under the head Salary. However, relief under Section 89 will be available.

# Interest accumulated on your (employee) contributions will be taxed under the head “Income from other sources”.

Now you come to know who is eligible for TDS while withdrawing the TDS.

Who are eligible to submit the Form 15G/H while EPF withdrawal?

It is the biggest misconception among many of us that all individuals are eligible for submitting the Form 15G or 15H. However, there are certain rules related to this. Form 15G is for those whose age is below 60 years of age. Form 15H is for those whose age is above 60 years of age.

Below are certain eligibility conditions to be followed before submitting the Form 15G or Form 15H.

# You have to submit either Form 15G or Form 15H when your total income does not exceed the basic exemption limit (in case of Financial Year 2019-20 the basic exemption limit for an individual is Rs.2,50,000, for an individual whose age is 60 years or more but less than 80 years then it is Rs.3,00,000 and for an individual whose age is more than 80 years then it is Rs.5,00,000). You can check the latest tax slabs in my latest post “Latest Income Tax Slab Rates FY 2019-20 (AY 2020-21)“.

# If your estimated tax liability for the current financial year is NIL.

Hence, all individuals are not eligible for submitting the Form 15G or Form 15H to avoid TDs.

Do remember that Form No. 15G or 15H are self-declaration forms that can be furnished by individuals to state that their income is BELOW the taxable limit and hence no TDS should be deducted. The final tax on his estimated total income computed as per the provisions of the Income Tax Act should be nil.

HENCE, AVOIDING TDS DOES NOT MEAN AVOIDING TAX.

Do remember that as in case of other TDS, any TDS done with respect to your EPF withdrawal will also reflect in your Form 26AS. You have to show it in your ITR.

EPF Form 15G – How to fill online for EPF withdrawal?

Now you have understood the TDS rules applicable to EPF and also you came to know what is Form 15G or 15H. Let us move on and understand the process of how to fill EPF Form 15G for online EPF withdrawal.

# Login to EPFO UAN Unified Portal for members.

# Click on ONLINE SERVICES >> Claim (Form 31, 19, 10C).

# Verify last 4 digits of your bank account as shown in the images below

EPF Online Withdrawal

# Then you will see the EPF withdrawal form.

# Below I want to apply for, you will see Upload Form 15G as shown in the below image.

EPF Form 15G - How to fill online for EPF withdrawal

# Download the Form 15G HERE.

# Now follow the below video tutor done by me.


# Do remember that you have to fill Part 1 of the Form 15G and no need to fill Part 2.

# Upload the filled PDF form to Unified portal.

# Enter the other details and submit for withdrawal.

# If you took the printout of it and filled, then take the images of the same and convert that into PDF format and then upload.

# Do remember that under Field 16 of Form 15G, mention the estimated income for which you are filing the Form. For EPF Withdrawal Enter the EPF amount you will get. This includes only Employee and Employer contribution. This should not include EPS or Pension.

# Under Field 19, for Identification Number Mention the Provident Fund Number, for Nature of Income: TDS on EPF Withdrawal, for Section: 192A and for Amount: Mention your EPF amount(Employer + Employee).

Hope this information is helpful for you all. Let me know if you have any questions or doubts.

487 Comments

  1. Thank you so much for this spelendid article. Thank You.

    I have completed 8 years in epfo portal. I quit job in march 2019, I’m not working anywhere since then. I understand that there will be no tax deducted. Should I still update my PAN to claim my PF. My pan is not updating no matter what I try. Please help

    Secondly, my wife is not completed 5 years in epfo, so in her form 15G, what should my wife put in previous year and what should we put in assessment year (she last filed ITR for financial year 2018-2019

    Reply
    • Dear Prakash,
      Yes, you have to update PAN. If you are withdrawing the money now, then AY should be 2021-22 and FY 2020-21.

      Reply
  2. Hello Sir,

    I have transferred my previous PF accounts to my last one (date of joining 2018 and last date is 2020). But my first job start date is 2014 and my total service years is 6. But in the withdrawal for, my start date is shown as last company’s date (2018-2020). Should I still submit the 15G.? Please advise

    Thanks,
    Abu Sidhique

    Reply
    • Dear Sidhique
      No need when you transfer from previous accounts they have a record of your joining date.

      Reply
    • Dear Abu,
      If you transferred all the earlier EPF to the current, then not required.

      Reply
      • Hi Sir,

        I submitted PF withdrawal without 15G as you have suggested but it got rejected stating “Your Claim [ Claim Id – XXXXXXXXXXXX ] has been rejected due to : 1) FORM 15G / 15H PAN CARD NOT SUBMITTED BY MEMBER 2) FORM 15 G / 15H, PAN CARD NOT SUBMITTED BY MEMBER”

        As I have total 6 years of work experience (2014-2020) and my PAN is already added in my account, Could you please advise on next steps?

        Thanks,
        Abu Sidhique

        Reply
        • Dear Abu,
          What you did is correct. Raise an issue with EPFO Grievance Cell Online.

          Reply
    • Dear Abu
      Your 6 years and theirs does not match.The reason that even though you have submitted pan pl check up whether your name in pan matches perfectly with aadhar. That is the only reason they have to reject it as it cannot be linked with aadhar.

      Reply
  3. I have completed 5 years of service on 07-sep-2020…. I started employment on 07-sep-2015 and was on probation for three months without of account. My p.f account started from Dec 2015…. So if I withdraw now will my service history will be considered 5 years or 4.8 years as per p.f account.

    If tax is deductable, my annual salary is above 10lac will submitting form15g will be helpful

    Reply
    • Dear Mozif,
      Please take pain to read the above post. If your EPF contribution is more than 5 years, then it is tax-free.

      Reply
    • Dear Mozif

      Nowhere have you stated whether you have resigned or not.After that will you be working elsewhere or not.If you are going to work elsewhere you have to transfer your pf.You can claim it 100% only if you are not working for 2 months.

      Reply
  4. Hi sir,

    My EPF is below 50k but if I add my pension contribution then it crosses 50k in this case do I have to submit form 15 G online ..Please help

    Reply
    • Dear Skumar

      If your pf contribution is less than 50k then no need to submit 15g.
      Note that you will get 2 separate entries when you receive your money.

      Reply
  5. Hi Sir,
    My last job with pf was till APR 2017.I filed last ITR for the FY 2018-19. ITR of 2019-20 is yet to be filed. I had to pay tax of around Rs 250 for 2018-19. But on 2019-20 , I lost job on july. so i hav a refund of around 3000 when I file ITR for 2019-20 this month. I have PF less than 5 years and i have PAN. My doubts are,
    1. Should I have to file Form 15G (Already filed once and got rejected with status : “Claim Rejected TDS IS APPLICABLE – SUBMIT PAN AND 15G FORM” )
    2. For submitting PAN where should I do, I had linked PAN to aadhar, pan to epfo(its showing on details)
    3. If I have to file 15G, Then in my case what should I mention for PY.

    Thanks for the article. Awaiting your response.

    Reply
    • Dear AjuAravind

      You are getting the rejection because name in pan card and in aadhar is not the same.If form 15g is filled correctly as per what Basu has explained then no error will come.Make sure of pan card name and then proceed.PY is this year 2020_21.

      Reply
      • Dear Sir,

        Thank you sir for the replay. And thanks for the help with PY. But my name on aadhar and pan and on EPFO are same. There is no change. But when I download the claim form after completing the procedure, the pdf consist of the auto filled claim form and cheque that I uploaded but there is no form 15G that I uploaded for processing. I tried with the UMANG mobile app to raise claim. Is this can be the reason for rejection.

        Reply
    • Dear AjuAravind

      Your pf is over 50000 and name in pan is not matching with aadhar.On name matching you will have to update in employee portal under kyc

      PY is 2020_21

      Reply
    • Dear Aju,
      1) Yes.
      2) Then not required.
      3) Follow the instructions to fill in the above-shared video.

      Reply
      • Thank you sir for the replay

        Reply
  6. Respected Sir,
    I have worked in the organisation from April 2014 to Feb 2020. Do I need to fill form 15G form sir?

    Reply
  7. Dear Basavraj,

    I have gone through your web site/people queries. I found it very useful. I have few queries .

    Dear Sir,
    I worked in a company from May 2010 to Oct 2018. Now i want to withdraw my PF amount (more than 500000).
    My queries-

    1)Do i need to need submit form 15G. If not then what I should mention while applying.
    2) if yes then what should i need to mention in the previous year column.
    3) I have started business and paying tax each year post my job.

    Thank You.

    Regards
    KT Gandhi

    Reply
    • Dear Krishnakant

      Since you have worked for more than 5 years there is no need to submit form 15g as this amount is taxfree in your hands. I assume you are claiming online so that can be left blank.

      Denzil

      Reply
  8. Hi Sir,

    I left my last job on May 2019 and since then I am not employed.I have 7 years of PF contribution and its close to 3 lakhs.In this period I have worked in two different organisations and my contribution is under single UAN.Now I have to apply for PF withdrawal do I have to fill form15G.Please calrify.

    Reply
  9. Hi Sir,

    I have few concerns about 15G form for PF Claim. I was employed and my PF started from 2014 , I was employed till Nov 2019 since than I am not working. I have below questions request you to answer the same.

    1: What should I mention in the Q. No 16 and Q. No 17.
    2.What should I mention in Q: no 4 and Q: no 15
    3. Will there will be any TDS deduction as my employee + employer share is less than 1 lakh

    I would request you to kindly answer my above questions as I need to claim for PF ASAP.

    Thank you
    Rabia

    Reply
  10. Hi Basavraj, should I fill out 19 even if I have not submitted any 15G in the past?

    Reply
  11. Good Article , relevant information, Thanks for the same, really helpful… !!!!

    Reply
  12. Hi Basavaraj,

    I am a NRI – worked in India from 2011 to Jan 2014 and then moved out of the country. I submitted my PF forms online using the UAN portal twice and both times it got rejected stating that form 15G is not submitted. I attached a letter explaining since I am an NRI I am not eligible to submit form 15G but they still rejected. Any advise would be greatly appreciated

    Reply
    • Dear Himanshu,
      The saddest part is that they are unable to understand the basic rules. You raise an issue with EPFO Grievance Cell Online.

      Reply
      • I did that too. they closed the grievance stating please submit the documents stated in the rejection reason

        Reply
    • It looks like you need to submit form-15g. I’m also an NRI transferred to USA in L1 visa, I’m working with third party company who takes care of PF of my indian company. I explained by scenario ( I told them I’m NRI, and had more than 5 yrs of experience of experience before quitting from indian branch meaning PF is older than 5 years) and they are asking me to submit Form-15G. I’m going to submit it today, let u know the status.

      Reply
      • Hi Rajesh,
        Any updates on your status.My scenario is same like yours. If you submitted form 15g, what did you put in the status..Resident or NRI? Please let me know. Thanks.

        Reply
  13. Hi Sir,

    I have 2 UAN’s, Present i am working in another company and PF amount is credited with my 2nd UAN. Can i able to withdraw the amount now in my 1st UAN which i have quit the job on July 2016. Again I switched job in August 2016. Can I withdraw my complete PF and EPS money from my old UAN?

    Reply
  14. Hi,

    I have completed 25 years of service at a single company ad recently retired from service on March, 2020. Which among the claim forms – 31,19,10C,10D do I need to fill to claim the full EPF amount, which is around Rs 6.4 L, and do I need to fill up the 15G/H form to be exempted from TDS?

    Thanks in advance, for your help.

    Reply
    • Dear Dipak,
      You have to use Composite Claim Form. No need to fill Form 15G/H.

      Reply
  15. My Total service is 20 years and my Total EPF accumulation is more than 10 L and I quit the organisation on 31st December 2019 and till now I am not working for any company. I want to withdraw my PF amount, I have few doubts kindly clarify

    1. Should I need to submit form 15G for TDS ?

    2.Will they deduct Tax when I withdraw my EPF amount

    Reply
    • Dear Jameeludeen,
      1) Not required.
      2) Even if they deduct also, it is tax free and you can show it in ITR and claim TDS.

      Reply
      • Thanks Sir

        Reply
  16. Hello sir,
    1. my employee share is 34000, employer share is is 10000, pension contribution is 13000. TotAl service is 3 yrs. Should I fill the 15g.

    2. I am Indian. Not NRI. What should I write on residential status.

    3. Should I need to upload the part 2 empty

    Reply
    • Dear Parvinder,
      1) Yes
      2) What should be according to you?
      3) Refer the post properly.

      Reply
  17. Hi Sir,

    I have 2 UAN’s where the second one was created due to some issue with the first UAN when I switched jobs in 2017. When I tried to merge my old UAN (4 years contribution) and new UAN (4 years contribution) I am getting some error due which they can’t be merged. I am unemployed since April 2020 and with the current scenario, seems like I won’t be working this year. Can I withdraw my complete PF and EPS money from my old UAN and leave the recent one intact ?

    Reply
  18. Dear sir
    i was left from my job on last december-2019 still i did not join in no one orginistation now my query is
    1.I could not submit the PAN details because of name mis match with UAN Account and income tax department in this stage shall i have eligible to submit form 15G ?

    2. My pf amout is above 50000 when we add the pension contribution otherwise it is below 50000 only. please clear shall i need to submit the form 15G?

    Reply
  19. Hi sir, PF or pension k liye do bar form 15g submit krna h, aapne PF withdraw karne ke liye column 16 m PF ka amount fill kiya . fir jab pension withdraw ke liye 15g fill karenge to column 16 me pension ka amount likhenge or column 17 m total amount m pension bhi add karenge ya sab kuchh PF withdraw jasa rahega?

    Reply
  20. Hi Sir,

    I have resigned my job on 11th March 2020 and my annual package used to exceed 5 Lakhs during this time. My PF accumulated amount (Employee + Employers) is 84K+. I am willing to withdraw completely. I even had filed ITR 2019-20 but not the latest one. Now i have got joining from another organization where the annual package doesnt exceed 5 Lakhs and i would be joining the same in July 2020. Is it necessary to upload 15G form?

    Waiting for your kind response.

    Reply
    • Dear Rajesh,
      Check the eligibility mentioned above for the submission of Form 15G again.

      Reply
  21. Hi, I left the job on 20th March 2020. My income was greater than 8 lakhs in 2019-2020. I am a PF member since October 2017. My PF amount exceeds 50000. Do I need to fill for 15G as I am unemployed since 21st March 2020.

    Reply
  22. Hi,

    I have some concerns, really appreciate your response. I resigned from my job in Jan 2020 and I am not working this year 2020-21.

    1) 9 years of service in three companies and PF accumulated under same UAN since 2013 is around 3 lakhs (employee + employer). Should I mention 3 lakhs in Column 16?
    2) I am not working this year 2020-21, so should the column 17 have 3 lakhs same as column 16?
    3) Do there will be TDS deducted on 3 lakhs? If yes, what percentage?

    Reply
      • Thank you very much for the quick responses.

        Reply
  23. I have not withdrawn my EPF amount since my retirement and it has accumulated interest for last 3 years. I am over 60 years old. While filing Form 15H, do I enter the interest earned in last 3 years or total EPF amount being withdrawn – since tax will only be on interest earned post retirement

    Reply
  24. Thanks for your patience to answer all questions.

    1. I am not working since 2017.
    I workd in two companies 11 months and 10 months in 2011 and 2012. How can transfer or withdraw, these are not linked to UAN
    2. My last company 2012 to 2017 is 4.5 years service only linked to UAN. Can I withdraw entire amount without TDS?

    Reply
    • Dear Raju,
      1) Do the offline process.
      2) NO. As the service period is less than 5 years, they will deduct the TDS.

      Reply
  25. Hi, thank you for the informative post. I still need a few clarifications.
    1) I quit my job on march 6th 2020 what is my PY?
    2) My income was more than 2.5lakhs and pf amount is more than 1lakhs am I eligible to submit form15 since currently I am unemployed?
    3) If I am currently unemployed what do I fill in column 17?

    Reply
    • Dear Soumya,
      1) PY should be the year you are withdrawing not the year when you quit.
      2) NO.
      3) Refer video properly.

      Reply
  26. Hello Basavaraj,

    Thanks for your blog. I have a question, kindly address it. I have less than 3 years of service in total and I quit my last job in June 2019 and haven’t worked since then. My last income while working was 9.5 l.p.a. and I want to withdraw my PF amount now.
    My questions are:

    1. Since I am not working now and hence no income drawn, will I be eligible to claim NO TDS if I withdraw PF amount by submitting Form 15G? Or am I not eligible as income considered is of that drawn while working and not the present income while unemployed?

    2. PF amount accumulated is Rs 1.5Lakh during my service period and I see no interest credited even if its 11 months since I quit. How to resolve this ?

    Thanks,

    Reply
    • Dear Vinay,
      1) If for current FY, your income is less than the basic exemption limit, then you can submit Form 15G and claim for NO TDS.
      2) Yes.

      Reply
      • Thank you for your quick response!

        Could you please answer my 2nd question? I don’t see any interest accumulated over my PF amount since I have quit. Will EPFO credit PF amount along with interest to my account when the PF is withdrawn?

        Reply
  27. Hi,

    I resigned from my job in December 2019 and haven’t filed the latest ITR yet (last itr was filed for assessment year 2019-2020).

    1) Will my previous year be 2019-2020?
    2) My income is greater than 10 lakhs and I have less than 5 years of service. Do I still need to upload form 15G?

    Appreciate your help!

    Reply
      • I am slightly confused. There is a comment below about someone whose income is greater than 20 lakhs but their claim was rejected because they did not submit 15G (Mahendra’s comment on May 27). Is the same thing not applicable to me as well?

        Reply
        • Dear Esha,
          Legally if your income is more than the basic exemption limit, then you are not eligible to fill Form 15G. However, EPFO asking all to fill Form 15G without understanding this basic.

          Reply
  28. Sir I worked for 7.6 years and my last working day was 13/02/2020. After 60 days I applied for pf withdrawal by filling form 19 and form 15G but it got rejected. The reason I received on the portal is as below
    1) upload again
    2) certificate A/B/C/D/E/F not enclosed/signed

    I don’t understand the meaning of this as I duly filled and signed form 15G. Can you please give some suggestions as what to do next

    Thank you

    Reply
    • Dear Ross,
      Hard to say anything without knowing. Better to raise an issue with EPFO Grievance Cell Online.

      Reply
  29. Please ignore the previous comment and note the correction below
    Request clarification on below
    1- I resigned after 2.years of service and not been working since 3 years.. My PF amount is approx 2 lacs. Is it feasible to withdraw it or shall I wait for 5 years and then withdraw
    2. If I withdraw now will TDS be deducted even though I will fill up 15 G form-as my income is nil since the time I resigned.

    Reply
    • Dear Farah,
      If you are no longer working in future, then better to wtihdraw. If you fill the Form 15G, then there will not be any TDS.

      Reply
  30. Hi Basava,

    I am an NRI looking to withdraw the PF.
    1. is the process same for me?
    2. since form 15G is not for NRI, is there any other form to be submitted online Or no form is required? just submit withdrawal request

    Reply
    • Dear Vishesh,
      Except for Form 15G, there is no change in the process (as you are not eligible to submit Form 15G).

      Reply
  31. Hi Bsvaraj,

    I worked in a company for 2 years from September 2017 to October 2019. Since i have worked in this company for less than 5 years, I shall be withdrawing Provident fund and Pension withdrawal and shall be liable for 10% TDS. Do i still have to fill up Form 15 G ? My income was more than 4 Lakhs. Please advise

    Reply
  32. Hello sir,
    I have just worked for 9 months and now I want to withdraw my PF, what should I mention in the 16 and 17 field??

    Reply
  33. Hi Basav,

    Thanks for replying to all the questions patiently and I do have a question regarding PF withdrawal.

    1)I resigned my job on Feb 2020 where I have 10 yrs of experience and now i need to withdraw my PF. So while filling 15G, which year should i mention as previous year?
    2)I have submitted my tax return for all these years, So should i mention the last filled year in form 15G?

    Please provide the details Basav.

    Reply
  34. Hi Basavaraj,

    My claim for Final Withdrawal through Form 19 is rejected stating I have to upload form 15G as it attracts 33% tax. I have less than 5 yrs of contribution and my salary income is greater than 20 lakhs. So my understanding is only 10% tax should be applied and there is no need to submit from 15G.

    Is my understanding correct and how can I claim withdrawal.

    Thanks,
    Mahendra

    Reply
    • Dear Mahendra,
      Sadly your understanding is correct but they want it 🙂

      Reply
  35. Dear Basu,

    Thanks for wonderful article, its very helpful. I have a query. In “digitally approved KYC” section my AADHAAR shows Verified., but for PAN no. it does not show anything, neither “Unverified” not “Verified” in Online Verification status show N/A. But Approved by establishment show Approved. I am confused. Kindly help.

    Thanks
    Amit

    Reply
      • Okay Thanks

        But in that case Online Verification status show N/A. Any reason. Kindly help.

        Thanks
        Amit

        Reply
  36. As on date my PF amount (employee+employer) contribution is less than 5 lakhs. However if PF amount is settled with the interest till 31st March 2020, it will exceed 5lakhs. Insuch case how to fill form 15G. Note: Interest for 2019-2020 FY is not visible/credited into my PF account.

    Reply
  37. Dear Sir,

    I have withdraw PF in 2019 ,but at the time 0f withdraw my PF ,i am forgot to fill 15g form .
    And TDS has deducted from my PF.
    Will you provide me solution ,how i will get deducted TDS amount

    Reply
    • Dear Saurabh,
      Avoiding TDS does not mean avoiding tax. When you file IT return, you have to show this income also. If there is no tax liability, then IT Dept will refund your TDs.

      Reply
  38. Dear Sir,

    I recently applied for my pf withdrawal online and the claim status is showing as rejected with no remarks/reason mentioned.
    Any way to know the reason?
    your help is highly appreciated,

    Reply
  39. Dear Sir,

    I quit my job in 2018 December and I did not stay in India for more than 60 days in the year 2019. I am still abroad, so does this mean i am not a resident of India? What should i fill in column 5? Thanks for your help.

    Regards,
    Sanju

    Reply
    • Dear Sanju,
      As you are under NRI, you are not eligible to fill this Form 15G.

      Reply
  40. Dear Sir,

    I worked in my last company from December 2008 to February 2020 and laid off due to this Covid 19 crisis. I am not having any job now and finding alternative ways for survival with business or freelancing. I am trying to withdraw my PF amount and here I got stuck and looking for your help:

    1. I am unable to withdraw pension amounts, due to errors of service period more than 9.5 years. What I need to do for this?

    2. Do I need to submit Form 15G to claim my PF amount? If yes what I need to disclose there for TDS waive off. Because right now I am unemployed and if again TDS been deducted from the amount it would be painful for me.

    Please suggest me the right way with correct rules what I should follow.

    Your suggestion will help me survive in crisis.

    Thanks in advance.
    AMIT DUTTA

    Reply
    • Dear Amit,
      1) As your service is more than 9.5 years, you are not allowed to withdraw EPS. You have to apply for a scheme certificate.
      2) If your service period is more than 5 years, then its not required.

      Reply
  41. Dear Sir,

    This is the remark on my claim status :
    Your Claim [ Claim Id – JLSLG200450001547 ] has been rejected due to :
    1) TDS CASE. F/15G/H IS REQUIRED ALONG WITH CLAIM OF F/19
    2) NOT SIGNED/ ATTESTED

    What does this mean?

    Thank You

    Reply
    • HI Rinchan,
      I am also in the same boat. My claim status shows rejected, but I am not finding any remark/reason
      How did you get the remarks?

      Thanks

      Reply
  42. Dear Sir,

    I was working from 2014 to 2018 ( 4 yrs) and i am now willing to withdraw my pf. I am unemployed since leaving my job. My PF amount is more than 50000. So from your blog i understood i have to fill form 15G. Could you please clarify my below queries?

    In the online pf claim form cheque or passbook is asked to attach.
    1. Can i attach my online bank statement as i dont have the cheque or passbook? will online bank statement be sufficient?
    2. In 15G form what should be mentioned in 19. nature of income and section under which tax is deductible?

    Thanks for you help sir. your reply is highly appreciable.

    Reply
    • Dear Rajashree,
      1) I think at least a cancelled cheque leaf is better. Otherwise, banker and your self attested statement fine.
      2) Its Income from Other Source.

      Reply
  43. Hello Sir,

    I have the following query:
    – I worked for 3 different organizations but did not transfer the pf into my last(3rd) company, instead withdrew it(for two organizations) and had 3 separate pf accounts.
    – I worked for my last organization for 3.5 years and then moved abroad permanently. I now wish to withdraw my pf from the last organization .
    Can you tell me if I need to submit the 15G( as I’m now an NRI)?

    Thanks,
    Smita

    Reply
    • Dear Smita,
      Legally you are not allowed to submit. But sadly EPFO will ask and hence submit it.

      Reply
  44. Dear Basu,

    Thanks for wonderful article, its very helpful. I have a query. In “digitally approved KYC” section my AADHAAR no. shows Verified., but for PAN no. it does not show anything, neither “Unverified” not “Verified”. I am confused. Kindly help.

    Thanks
    Mahmood

    Reply
  45. Dear sir
    I have total 42000 (7k pf + 35 pension) in my epfo account i havnt paid any tax till now… As i am not eligible… Is it mandatory to fill 15g form for me… As amount is less than 50000…?

    Reply
  46. Sir, my service period was 7 years plus & of amount was approx 1.90L, i have applied from umang app with not submitting 15g & cha page pic on 1st april & till date (16 april) it’s showing under process.
    Please guide me what step I need to take

    Reply
  47. Sir my service period was from 2011 to 2016 that is excat 5 years. Now in 2020 I want to withdraw my PF. Total PF balance as on date is Rs. 1,13,000. I want to know if I have to fill up form 15 G in my case. pls guide

    Reply
  48. Dear sir,
    My service is less than 5 years(its 2.5 years) i am applying for pf withdrawal i have 2 questions
    1. Does the amount to be filled in column no 16 included the pension part?
    2.if not, then my withdrawl amount without pension is less than 50,000 so should i submmit the form 15 G?

    Reply
  49. Hello,

    Thanks for this wonderful comment. I have submitted my PF withdrawal form and Pension form. Out of these 2 I got my Pension fund cleared and got the money but my PF withdrawal was rejected due to not filling form 15G.
    1. My total service tenure is from July, 2014 to October, 2019(Last PF received). But why they are still asking for form 15G since I have completed job more than 5 years ?
    2. When I am about to fill my Form 15G I am confused that I have 2 Bank Accounts. One is salary account and other is a saving account so do I have to mention my total income from both these accounts in point 17.

    Hope you will guide me properly in this.

    Thanks,
    Vineet

    Reply
    • Sorry the deduction of PF is from Sept, 2014 to Oct, 2019

      Reply
  50. Dear Sir,

    Earlier my DOE was not updated in my UAN portal,Hence i applied for employee (my share) mentioning non receipt of wages by filling form 31 & i receive amount in my bank account.
    Now my DOE is updated in UAN portal & i want withdraw whole amt including – employers share + pension amount.
    Kindly advice which forms should i fill online.

    Best Rgds
    Jaswinder Singh

    Reply
      • What is composite claim form ???

        Please advice i am not getting any such form on UAN PORTAL

        Reply
          • Dear Basavaraj,

            As per my findings its form 19 along with form 15 G.
            Its great appreciation to you also if you can advice me.

            Reply
              • Dear === YOUR HELP IS REALLY APPERICIATED !!!
                CHEERS !!! KEEP THE GOOD WORK UP

                Reply
  51. Dear Basavaraj,

    Thank you for your detailed article and supporting Video. Also for your dedication in answering so many queries in the comment section is truly commendable. I tried to see if my issue was raised by anyone but it was too tedious beyond the first 100 queries and responses. So forgive me if my issue was already raised and addressed.

    I have almost 14 years of service. I have been unemployed since January 2020. I applied for PF advance (Form 31) citing “non-receipt of wages for more than >2 months the first time. It got rejected. So I applied a second time citing the reason “Unemployed for more than a month” The claim was rejected again on the grounds that member has left the job and member may be applied for final settlement and No.2 – Not Signed/Attested.

    Can you please let me know what I am doing wrong? I need the money urgently till I get another job.

    Reply
      • So To withdraw, I should still use the Form 19 option which asks us to upload the 15G form? If yes, can I still use the 15G form even if I get a job soon?

        Reply
          • Dear Basavaraj,

            In that case can you please guide me further on the Field nos.16 and 17.

            Since I was employed only till Dec 2019, should I mention the total income for the FY April 2019 – Dec 2019?

            Will this option by default allow me to withdraw the entire amount in my EPF account (Employees contribution + Employers contribution + pension)? I don’t have an option of entering the amount I want to withdraw is it?

            Thanks again for your prompt response for the previous queries.

            Reply
            • Also my income for this year is well above the exemption limit. So if Form 15G is only for individuals whose income is =/ <than the basic tax exemption limit, what should I do to withdraw under the form 19 option?

              Reply
            • Dear Sandhya,
              “should I mention the total income for the FY April 2019 – Dec 2019?”-YES
              Yes, you have to enter the amount.

              Reply
    • Hi Sir,

      Thanks for the valuable information.

      I have a query regarding the 15G form.
      I have worked in 3 different companies and have maintained same UAN in all the companies and already transferred all the other pf amount into single account. I have 5 years of experience all together.
      I have left my job 2 months back and want to withdraw my pf amount now.
      Please tell me if i need to submit form 15G and any TDS will be deducted?

      Regards,
      Nischitha N

      Reply
        • Hi,

          Thanks for being so detailed. Just confirming on the TDS deduction will be done by the EPFO authority or otherwise. I have similar situation. However I don’t plan to work any more and my income will be less than basic exemption limit. Will the TDS be deducted as I have not submitted by Form 15 (h/g)

          Regards
          Nav

          Reply
            • dear sir,
              in form 16 , tax was dedeucted last year but I have submit ITR than tax refunded and now 3.06 was my annual earning last year, so please tell me that I required to submit form 15g for pf withdraw.
              also sir pf – 42000
              pension – 13000
              both are included or only pf

              Reply
  52. I worked for the organisation from Feb 2018 to Dec 2019. My PF total is approx 85000. do i need to fill up 15G form and how long does it usually take to receive your PF?

    Thank you!

    Reply
  53. Hi Sir,
    First of all thank you for giving such an valuable information. I have few queries and issue which I am currenlty facing. Please help me to resolve these queries
    1. I have submitted for claim form-19 but rejected till now no reason given I had submitted form 15G with this submission
    2. Last year I filled income tax return
    3. I have worked with 2 organization and collective tenure is more than 5 years and I have pf balance more than 50 K. Now do I need to fill 15G as my total income would be more than 2.5 lakh for the year including this pf amount
    4. In my EPFO account my Bank account & PAN is approved but showing NA. Is it ok to have NA.
    Please help

    Reply
    • Dear Sanjay,
      If your income is more than basic exemption limit, then you no need to fill Form 15G.

      Reply
  54. Sir,
    Thanks for the valuable information.

    Still I have a query So assist me on this, Ive worked in an organisation for 8 years and my claim amount is more than 50k and my salary exceeds the exemption limit but i do not file income tax return; do i need to fill form 15 g while withdrawing my PF.

    Reply
      • Thanks a lot sir.

        It means no TDS will be charged on my claim.
        And can I settle my claim using online claim service.

        Reply
  55. i applied form 19 and form 10c final withdrawal.first it got rejected by the following reas Your Claim [ Claim Id – DSSHD200250012334 ] has been rejected due to : 1) IN THIS CLAIM NO ATTACHMENT 2) CERTIFICATE A/B/C/D/E/F NOT ENCLOSED / SIGNED i raised complaint on epf grievance they told that resubmit again so i resubmit again after resubmit 2nd time also claim rejected for following reason Your Claim [ Claim Id – DSSHD200350008557 ] has been rejected due to : 1) OK 2) CLAIM ALREADY SETTLED…i dont know what happening with the claim….i am unable to understand the claim rejection

    Reply
  56. I have worked in organization from 2017 to 2019 September and PF amount is less than 50000 and it is asking for 15G form . Can you please help me how to calculate the amount is for column no 17.

    Reply
  57. Hi Sir,

    i have a complex query. i had a PF in one organization for 2 years which i withdrawn 80% and around 30k is left in that account. Now currently, working in another organization since 4.6 years and wants to withdraw pf .

    1) shall i be taxed if i withdraw, the 2nd organization pf amount which more 50k and i am in 20% tax slab.
    2) can i withdraw the 1st organization leftover amount which 30k?

    Thanks

    Reply
  58. Dear Sir,
    Dear Sir,
    Thanks for informative article.
    1) I have worked for one employer for 2 years 2 months from sep 2014 to nov 2016
    2 ) second employer for 1 years 1 months from 02/04/2018 to 31/05/2019
    3) now joined third employer with same UAN no now i want transfer the amount to new employer pan not uploading due to error

    total years 5 years 6 months , amount more than 50k

    Do I need to fill Form 15G for PF Transfer

    Reply
  59. I had applied for PF on 20th of Feb and it has still in “processing” status. How much time does it usually takes to get that credited

    Reply
  60. My total income exceeds exempt limit, hence, I didn’t submit Form 15G yet my claim was rejected due to not submitting From 15g. What should I do?

    Please help me?

    Reply
  61. Sir, IHave worked for 5 yrs and 6 months. should i submit form 15G.

    Reply
      • Dear Sir,

        I hope you will be able to help me. I recently applied for PF full and final settlement. But it was rejected as the department gave the reason my PAN is not verified. But my employer has approved my PAN KYC so many times and it’s also showing under the digitally approved KYC section with status NA. And I am totally sure as the everything is okay from employer end. Because as I researched many employees of different organisations facing the same problem. So my first concern is that after approving PAN KYC from employer end then why PAN status is showing NA instead of verified ?

        Concern 2nd– I saw lot of stuff about on PAN verification on YouTube where one YouTuber said that in this first you can reapply online form 19 and form 10C and after that you can submit the hard copy of PAN and form 15 G along with the acknowledgements of from 19 and 10C in your respective PF office. Could you confirm by this way can I reapply for online Claim ?

        And thanks in advance for your efforts.

        Regards,
        Sushil

        Reply
        • Dear Sushil,
          Better to approach the regional EPFO to understand the issue properly.

          Reply
  62. Hello Sir,

    i have worked for a company for 17 year continuously and my age is 59 Year, now my PF amount is approx 2,90,000 so i want to know is it taxable or not and am I Required to upload Form 15 G? Please suggest.

    Reply
      • I have worked in a company about 9years, I need to withdraw my pf amount. But while claiming my pf amount, it says that my pan & Uan name doesn’t match, what should I do, should I need to submit 15g form..

        Reply
  63. My pf amount is less then 50k but it’s only pf part. If I add pensions part then it will be more then 50k. So I want to know that tds will deduct or not. My service is less then 5 year.

    Reply
      • Sir, my queries similer also Rahul Pratap but should i required to fillup form 15g for pf withdrawal

        Reply
  64. i upload without name cancel cheque in pf withdrawal…is there is any issue without name in cancel cheque

    Reply
  65. my service less than 5 years my pf amount above 50k..pan already verified in my epf portal.i want to know its mandatory to submit 15g form while withdrawing final pf after pan successfully seeded in portal???

    Reply
  66. Dear Sir,

    I have 2 PF accounts of different companies, however, are under one UAN. I have quit my last firm and it’s more than 2 months now. I am currently unemployed and have to withdraw my PF from both the accounts.

    1. Do I first need to merge both the PF accounts before withdrawing?
    2. Do I need to fill 15G ? If yes,
    3. Should the amount of both the PF accounts should be added up to fill fields 16 and 19 Amount column?

    Reply
    • Dear Divya,
      1) Better
      2) It depends on above shared rules and check the same
      3) Yes.

      Reply
    • HI,

      I am not working for the past 1 year. So am i eligible to submit the 15g form ?If yes, then what to fill in the columns 16, 17 and 19. Please help.

      Reply
      • Dear Nalini,
        Yes you are eligible. Regarding submission, refer above post properly.

        Reply
  67. Dear Mr. Basavaraj,

    thanks for the informative article regarding 15G and Pf withdrawal.

    i need your help for my below query.

    i worked for a company for 13 yrs. i want to withdraw my full pf amount along with pension fund also. while applying for pf withdrawal, portal is asking to upload 15G form though it is not mandatory for me. similarly while applying for pension withdrawal getting message ” TOTAL SERVICE IS GREATER THAN OR EQUAL TO 9.5 YEAR OR SERVICE LENGTH IS LESS THAN 6 MONTHS”. pls confirm if i could withdraw my PF and Pension fund.

    Reply
    • Dear Matloob,
      You can withdraw EPF but not EPS as your service is more than 10 years.

      Reply
  68. I have completed 12 years of service and am withdrawing PF after early retirement from private sector enterprise. Do I need to still upload 15G. If yes how should I enter estimated amount ? Because interest for FY 18-19 is still not credited and I will also get interest of almost full year FY 19-20. So I do not know the final amount that will be paid to me…So what estimated income figure should I enter when I do not know what will be final figure with interest. Thanks for your reply.

    Reply
  69. Hi
    My working years is 2018 – 2019 and my total amount of epf is 18k i want to withdraw all amount so i am eligible for submit form 15g.

    Reply
  70. Hi Basvaraj,
    I had a query. My total accumulated amount is more than 50,000 and I have worked for less than 5 years. My total income for the current financial year is more than the basic exemption limit but my income form dividend, MF and interest on security is less than 50,000. Can I submit form 15G? And is form 15 G mandatory and can I proceed without form 15G? Thanks in advance

    Reply
    • Dear Shuvam,
      It is not required but sadly they ask for Form 15G.

      Reply
  71. Hi,

    I haven’t filed income tax return. Is it mandatory? or in field 15a, can i check NO?

    Reply
  72. Hi Sir,

    My wife worked from 2015 to 2017, she want all pf amount. Her income was not payable to income tax.

    1. Do we need to submit 15G
    2. Can we withdraw pention amount too.

    Reply
  73. Can we apply for PF and Pension at the same time or do we have to wait for some time period after applying the PF to apply for Pension?

    In my case, I have applied for PF OTP worked fine but when I try for Pension, the OTP request does not go through.

    Reply
  74. Hi sir,

    I worked in one of the organization for 6 months, while working i removed some amount of money from my epf account as advance.
    Now i want to remove remaining amount and the pension as well . What should i do ?
    Also if i fill 15G form , my income is more than 2.5L for the financial year, then what should i do.
    Please help.

    Reply
    • Dear Pradeep,
      “Now i want to remove remaining amount and the pension as well . What should i do ?”-MEANS?
      You are not eligible to submit Form 15G.

      Reply
  75. Hi Sir,

    Please note that my job tenure is 7 months and pf amount is around 22k. I have already verified all KYC on portal including pan, aadhar and bank details. Please advise is it necessary for mee to fill up form 15G??

    Because my friend told me that if your service is less than 5 years and PF amount is over 60k then only you have to fill for 15G.

    Please guide me sir in this case do I have to fill form 15G. My total PF as well as pension amount is just 22k and service tenure is 7 months.

    Reply
  76. Dear Sir,
    I need your immediate help regarding the matter that i want to apply for online final pf settlement and my pf amount is less then 10000 and my job tenure is also less then 5 years or I don’t have PAN card. Is it mandatory to fill form 15G .

    Reply
  77. Thanks for the informative article. I’m trying to withdraw PF in FY 2019-20. Period of service was less than 5 years. PF amount (employee + employer contribution) is greater than 2.5L, so it is greater than the exemption limit. I believe Form 15G is NOT required in this case, so I made online claim without Form 15G. Claim was rejected for reasons: “1) 15G PANCARD NOT SUBMITTED 2) FORM 15 G / 15H, PAN CARD NOT SUBMITTED BY MEMBER”. My PAN is digitally approved by my employer and this shows clearly under Manage->KYC under my UAN account.

    I called the PF office where my PF account is maintained. They tell me I HAVE to submit form 15G even if my PF amount is above exemption limit.

    I’m worried that if I re-file a PF withdrawal claim and I do submit 15G this time, I will be making a false self-declaration. And if I re-file a claim and I do not submit 15G, they will reject it again.

    What should I do?

    Reply
    • Dear Saurabh,
      It is a sad state of EPF that they are unable to understand the basic eligibility of who has to submit the Form 15G. You submit and while filing ITR you can show it in your income.

      Reply
  78. Hi Basavaraj,

    I have worked Aug 2011 to Nov 2019 in one organisation. I quit the job and moved to abroad. I have done partial withdrawn in 2017. Now I want to withdraw my PF amount totally. Do I need to submit form15G?

    Reply
      • Thanks for the clarification. But Form-15G field is showing mandatory at online. Could you please advise me.

        Reply
        • Dear Bramar,
          Yes, I know this is the reality of how EPFO works.

          Reply
  79. Hi Basavaraj – I withdrew my PF once before & then joined another company wherein i worked for 14 months & then, I moved abroad in Aug 2017, i would like to claim my PF. I have not been filing any IT returns since then, my question is on Part 1 , section 15 : should i tick yes / no, under sub section 15 a, & what should i update as the year of assessment? Thanks

    Reply
    • Dear Karthik,
      15 (a)-The year in which you last filed IT returns. 15(b)-Mention that last AY.

      Reply
      • Hi Basavaraj,

        I am facing the same situation now. I have applied for PF withdrawal with form 15G. so far i haven’t file any IT returns. so I mentioned NO in the 15a question. then my request got rejected mentioning “Assessment year not mentioned on form 15G”. what I need to be filled here in the section since I haven’t do the assessment so far. could you please help me what to be done on this

        Reply
  80. Hi,
    My EPF withdraw request declined for not submitting 15G as per the portal. Withdraw amount is more than 50K and I have never filed IT returns till now. My income is more than 7 lakh per anum. Kindly suggest how to fill 15G form.

    Reply
  81. My current company for past four years does not have pf contributions. My previous organization where i had worked for three years had PF contributions. Can i withdraw that PF now and whether that will taxable?

    Reply
    • Dear Rahul,
      Yes and taxation depends on the service period. Refer the above post.

      Reply
  82. I have one query. Iam retired from the services after attaining 58 yrs as per rules. Do I need to fill up form 15 G.

    Reply
    • Dear Kishore,
      If your service is more than 5 years, then no need to submit.

      Reply
  83. Hi Sir,

    I have a concern regarding my PF withdrawal process. I’m unable to upload form 15G as my PAN is not verified in EPFO portal. I think PAN is not verified because my name is different in Pan card(Morse Sarika) and EPFO portal (M Sarika). As PAN is not verified the system is not allowing to upload form 15G.

    Request you to help me out in this issue. Is there any possible way I can upload form 15G without PAN verified.

    Thank You !

    Reply
  84. my pf office in delhi now i am living in chennai.should i submit 15g form in chennai regional office for withdrawal.i am getting error while uploading form 15g in online so guide me regarding this. i worked pay roll in delhi organisation from chennai my establishment id also starts from delhi id

    Reply
      • i applied pf final settlment form 19 and claim rejected reason as follows:Your Claim [ Claim Id – DSSHD200250012334 ] has been rejected due to : 1) IN THIS CLAIM NO ATTACHMENT 2) CERTIFICATE A/B/C/D/E/F NOT ENCLOSED / SIGNED

        WHAT IS THIS I AM UNABLE TO UNDERSTAND THIS REASON

        Reply
        • Dear Basha,
          Hard to say without knowing your status. Hence, better approach the regional EPFO.

          Reply
          • i did online pf transfer one establishment to other establishment. employee share and employer share transferred but pension contribution shows 0 in new passbook. i want to know that why pension contribution not transferred

            Reply
            • Dear Basha,
              Your EPS will never get transferred as EPFO just update the service records.

              Reply
              • so what about the old passbook pension money?will i get or not?

                Reply
                  • i want to know that will i get pension money of old passbook or not?becuase its not shows in new passbook after pf transfer..

                    Reply
  85. Dear Sir ,how to fill 15 g with partial pf withdraw (form-31)

    Reply
    • Dear Pankaj,
      For partial withdrawal, I don’t think Form 15G required.

      Reply
  86. Dear Sir,

    I have quit my job and moved out of country. I had continues 10 years for service and epf amount more than tax exemption limit. Is it mandatory for me to upload the form 15G when withdrawing the epf?

    Reply
  87. Hi
    Thanks for the article. but still i confused which year need to fill in Form 15g PY and AY
    1. i worked in organization for 4 years left on jan 2016. i want to withdraw my PF now Feb 2020. so in Previous and AYear which year i need to fill. please guide me. 2. Field -19 need to fill the details.?.
    Thanks in advance for helping me out.

    Reply
      • Thank you for helping me out.

        i have two company pf in single account. In form 15 g (16. column for estimated income tab- do i need to add both the share or separate form for each company )?, kindly suggest me.

        Reply
  88. Hi,

    I understand Form 15G is to be filled only if the taxable income is going to be NIL, otherwise not. My taxable income this year will be the PF withdrawal amount and if I include that as my income, then my taxable amount will not be NIL, so does it mean I do not have to submit the Form 15G?

    Reply
  89. There is two withdarwals in epf portal 1.only pf withdrawal,2.only pension withdrawal. mymy employer and employer share 45,000 and pension share 25,000. both is total 70,000 my question is tds deductible in all things or employer and employer share beacasue my EE and ER share below 50000 should i need to apply pan for this kindly guide me regarding this

    Reply
    • Dear Basha,
      If your service is less than 5 years, obviously it is taxable then why you worry about TDS?

      Reply
      • whether eps fund includible in epf fund for the corpus of 50000, one of my client has 34000 in epf ans 17000 in eps , is he required to file 15G

        Reply
  90. Hi,

    I have left my job and started a new business. My last working day was 15th April 2019. I had joined my company on 19th Sep 2011. Our company changed its name and the EPF account also. Now at time of withdrawing my PF it is showing as I have worked for less than 5 years as per new company name I would be entitled for 34.6% tax.

    Request your help for same.

    Reply
    • Dear Ankit,
      As the employer is changed and I hope they created new EPF account, it may be showing like this. Better you raise an issue with EPFO Grievance Cell Online.

      Reply
      • I have received this reply from the grievance “KINDLY FIRST APPLY TRANSFER OF YOUR OLD PF ACCOUNT NUMBER TO NEW PF ACCT NUMBER”

        I dont know how to proceed ahead with it.

        Reply
          • Is it the form 13. We had processed it in June 2018 itself.

            Reply
  91. Hi Basav,

    You said for estimated income (field 16) one need to mention EPF (employee+employer contribution). Say Mr. A has service of 3 years and his total EPF is X Lakhs. If he decides to withdraw EPF in Financial Year 2019-21 (AY 2021-22), how can that be esitamted income? The EPF amount of X Lakhs is accumulated over 3 years and not in FY 2019-21. Logically, only EPF amount received in 2019-21 should be considered for estimated income (as Mr. A has filled his ITR return for previous 3 FY). Right? May be I am not understading it properly.

    Reply
    • Dear Logik,
      It is the total receivable from EPF account has to be mentioned.

      Reply
  92. Sir, My work was from Aug 2015 to Nov 2019(4 years, 3 months). As it is less than 5 years and the amount is more than 50k so I have to fill the form 15G. My concern is that my last ITR (ITR-4)of the financial year 2018-19(A.Y 2019-20) was over 3 lacs due to income from other sources.

    1. So, which amount I have to mention in columns 16 and 17?
    2. Is, the salaried income considered in column 17?

    There is confusion in column 17. Kindly assist Sir?

    Reply
  93. I have completed my 12 years of service with one organisation, left job approx 3 months back, i do not have any income as of now. Want to withdraw my PF amount (3 lac). Confused if I need to submit 15G or not? Will my TDS be deducted? From when will i receive my pension? Kindly clarify

    Reply
      • Hey Basavaraj,

        I did read the post I am confused hence asked the question. Would be grateful if you could clarify.

        Reply
        • Dear Rajesh,
          After reading above post, let me know what is your doubt.

          Reply
    • HI Rajesh,

      Did you get the answer of your query? i am also in the same situation but this post is very confusing. I am also not able to decide that whether i should fill form 15G or not in order to get the PF withdrawal.

      Reply
  94. helo sir..
    my job duration is 2 years of service and now i left the job. i want to withdraw my pf+pension amount. my pf + pension amount is 59000.. do i need to submit form 15g ???

    Reply
  95. i didnt apply form 15G.i have 4year experience.i already applied pf.now i want to fill form 15G.how to apply through online

    Reply
  96. Sir
    I have two Member id of PF account with same company and I have given request to transfer of same in aug 2019 from previous member id to present id ….but it ia currently showing pending at previous organization meanwhile I request for a claim with present organization and request has been successfully submitted …Kindly how can I claim my PF amount from previous member id .

    Reply
  97. Hello Sir, I left my Job in 2018 and I am full time house wife now. I am submitting my pf withdrawal now.
    1.pls advice which Previous year I need to mention.
    2. I don’t have any income, so what amount should I mention in point no.17

    Thank you.

    Reply
  98. My job duration is 2year of service and i left the job. For final settlement do i need to submit form 15-G while withdrawl.

    Reply
  99. Hi,
    My Name is Mahesh Chapa,
    Question: I had worked for 13 years is one company and 4 months is another company. I have transfer my PF from my previous company to later one thru online EPF portal(under one UAN number) amount is more than 5 lakhs and at present I am not working since July 2019. I wanted to withdraw my PF and pension amount, so I need to fill form 15G before withdrawal so that there would be no deductions

    Reply
    • Dear Mahesh,
      Your EPF is tax free and you are not allowed to withdraw EPS but you can opt for pension.

      Reply
  100. Hi,

    First of all Thanks for this knowledgeable article.

    I have joined company in Nov, 2014 and left that in Jan, 2018. After that no job and no PF added . Now, My question is:
    1. If I withdraw PF, will that amount be considered as my income and liable to pay TDS?
    2. Do I need to fill 15G form if I withdraw it now?
    3. When can I withdraw it so that the amount should not be liable for tax?

    Thanks

    Reply
      • 3rd point. Even if I withdraw it after 5 years, still it would be taxable?

        In just recent reply you mentioned EPF is tax free. My PF is also EPF and EPS . I have UAN account Number. Aren’t EPF and PF same?

        Reply
  101. Hi Sir,

    I completed more than 8 years of my job and resign in Nov 2019. I want to withdraw my PF – 125000 and pension 50000. Now I don’t have any income.

    1) Now do I need to submit form 15G.
    2) Do I need to put any amount of income in form 15G.

    Reply
  102. Dear Basvaraj,

    Thank you for such an informative article on the intricacies of Indian Taxation and EPFO systems . I have worked for a consulting firm till Sep 2019 and resigned within 5 years of my service. I have applied for PF withdrawl on the EPFO portal. My salary was Rs. 17.4 Lakh which is way above the basic tax exemption limit and i have not filled Form 15G. Even though my PAN was verified and updated in the database, my claim was rejected citing
    1) 15G NOT SUBMITTED 2) FORM 15 G / 15H, PAN CARD NOT SUBMITTED BY MEMBER

    Is my understanding of the rules & regulations wrong or the EPFO need to wake up from the slumber to rectify such discrepancies? I was thinking to register my grievance over EPF grievance cell. Kindly suggest me any other channels through which my concern can be escalated

    Reply
    • Dear Pranay,
      They are deliberately doing this mistake. Better you raise an issue with EPFO Grievance Cell Online.

      Reply
  103. HI Basu

    I have 4 years 8 months in a company and went abroad after resigning. I want to withdraw my pf. Question is my salary is above 10L and is it necessary to provide 15G. TDS will be deducted at 10 percent no matter what right?

    Reply
  104. Dear sir
    I want to withdraw my PF and would like to know if I can do it online without submitting 15g. I’m fine if the tds is deducted. But can I proceed without uploading the 15g form. Will it get rejected or approved with the amount after deductions

    Reply
  105. Dear Sir,
    I worked in a company from 2017 to 2019, I am going to apply for my PF amount now. My question is that what should I enter in the previous year column?

    Reply
  106. Hi, I worked for 08 years in one company and resigned.but our pan card not very fie in uan when i link pan card a message shown your name not match with uan. can be withdraw my pf without pan.

    Reply
      • Dear Sir,

        How many percentage deduct in my account .Our total EPF Balance 1,45,000.00.

        Reply
        • If an employee rendered continues service of 5 years or more then they no need to submit a PAN number and Form 15G/H.Means.

          Reply
          • Dear Pran,
            It is clear from the lines that you no need to submit both. However, they still ask for both. A reality.

            Reply
  107. Hi Sir,

    I have applied for PF claim on 20th of this month, unfortunately they rejected my claim stating due to : 1) SUBMIT COPY OF PAN AND 15 G. 2) FORM 15 G / 15H, PAN CARD NOT SUBMITTED BY MEMBER .

    I got 10+ years of experience and i am keeping the same UAN number since 2013. My services are from multiple organisations. At present I am not working in India. My PAN was not verified till November and It got verified at beginning of this month. Now both AADHAR and PAN shows are verified.

    Can you please advice what i can do in this case

    Thanks in advance

    Arjun Ajay

    Reply
  108. Dear Sir,

    If PAN number is not linked if we need to claim PF AMOUNT by online is it required to upload FORM-15 G and is their any deductions if PAN number is not linked, the amount is below 10000.

    Reply
  109. TDS is applicable on EPF and to avoid TDS we can submit Form 15G. But I am confused with EPS. There is no option for form 15G when filing form 10C.
    Does TDS is not applicable on EPS withdrawal? if applicable then why Form 15G option is not visible?

    Reply
  110. Hi sir.. To apply for final settlement form 19 and form 10c are found seperately.. Should i apply separately or can i apply for both at the same time?

    Reply
      • If am filling form 15g PDF online signature is compulsory?
        If I don’t have the income any schedules mentioned in the form is it compulsory to fill and submit?

        Reply
        • Dear Sheela,
          No. Your signed image upload is also fine. Submitting Form 15G is to avoid TDS.

          Reply
      • Dear Bika

        Name in income tax site not matching with pan card that is the problem.

        Regards

        Denzil Correa

        Reply
  111. Hi,
    Today i tried uploading form 15G,but got error message that verified PAN not available, cannot upload form 15G. What is the next thing to be done if I have to upload the form after rectifying the PAN and from where can I do the PAN rectifying, can my previous employer do this.

    Reply
      • Thanks for your help, but can you pls let me know what document do I need to carry if I have to visit EPFO office. What all original, xerox documents do I need to carry with me. Do I need to carry form 19c,10c since I am withdrawing the amount from my pf account.

        Reply
        • Dear Prasanna,
          Your KYC and EPFO documents you have to carry.

          Reply
    • Hi, I have 2 PF accounts against 1 UAN number. For 1 PF account I have submitted the claim form online and it is still under process,can I apply for withdrawal for other PF account? Also for other PF account I have the composite claim form with me and I was told that I have to submit this form at PF office for withdrawal.

      Reply
  112. Is TDS applicable for NRI’s? or exempt for NRI’s?
    How long it takes to get the money after the claim?

    Thanks for the response in advance.

    Reply
      • Can we get the TDS back after IT returns is filed?

        Reply
        • Dear Kannan,
          Yes, if your tax liability is less than the TDS rate.

          Reply
  113. Hello Sir, my name is Esha and i have a question regarding PF & Pension fund withdrawl. My Date of Joining EPF is 01-JAN-2014 & DOE EPF is 10-FEB-2017. Ever since i left my work in Feb 2017, i have not worked anywhere and I am a housewife with Zero income. My question is as follows –

    1) When filling column 16 & 17 about estimated income , should i put “NIL-No Income”
    2) When filling column 18, should i fill “Zero” for total number of form 15G filled, since i did not file any till date & also for aggregate income, should i fill “NIL”
    3) For column 15(a) & (b), in your video you asked about submitted the last ITR filled in the past 6 years, so since i left work in Feb 2017, should i fill ITR for that year ?

    Reply
    • Dear Esha,
      1) It should be your EPF withdrawal amount.
      2) Yes.
      3) Not required.

      Reply
      • Very kind of you to reply Basu Sir, however, i am still doubtful about what to fill in Question 17 which says “Estimated total income of the P.Y in which income mentioned in the column 16 to be included”. Please remember that i left work in 2017 and i am a houswife with zero income since then.

        Again, many thanks!

        Reply
        • Dear Esha,
          In that case your EPF amount is the amount you have to mention there.

          Reply
          • Basu Sir, i have submitted my PF form twice and both times, it was rejected with the comment “Employer Contribution not updated from Jun 2016 to Feb 2017, please clarify”. I was on sabbatical during that period and was not getting any salary , which is why there was no employee/employer contribution made during that period. How do i get this problem resolved, please kindly advise.

            Reply
  114. Hi Basavaraj,
    Just have few queries here –
    I am trying to add my pan details in the EPFO site but it throws an error message like ” name against UAN and income tax dept DB not matched ” I verified in both the databases and name found correct. Now I want to withdraw the PF amount, if I do it online it shows that it will be taxed with 34.6% (as the pan is not verified).The total amount is 52k in PF.
    Should I physically submit the pan card and form15g to avoid tax?
    even if it taxed then how much tax I have to pay.

    Reply
  115. Hi,
    I have less than 5 years of service and reason of withdrawal is settling abroad. It has been more than 2 months since I am unemployed.
    I read on the PF website that I need to submit a composite claim form for PF & EPS withdrawal along with form 15G.
    Do I submit the form 19 and 15G on the same link?
    Also, will I be taxed 10% on this?

    Thanks.

    Reply
  116. Sir
    I submitted pf final claim settlement through online with 15G also.but they rejected the claim..with a reason that 15G was not submitted along with pan card..is it necessary to submit it by offline.
    Can i send it through post..if can so please tell me the procedure

    Reply
  117. Dear Basu sir

    I have worked in private company from 1st Nov 2015 to 5 Sept 2019
    My query is…
    Which year should I fill in No 4?
    How to fill No 15 no 16 no 17 & 19

    Reply
  118. Thanku for this useful article; my doubt is I want a complete withdraw of my EPF, I left my job 6 months ago(july2019), I have my PF account for nearly 9 years, the amount to be withdrawn is 150000 approx. In column 17 along with the PF amount to be withdrawn should I mention the income from my salary for the current FY (which I received from April 2019 to July 2019)

    Reply
  119. sir i’ve already claimed pension contribution(10c) but still i can see some amount under pension contribution so, i applied again however i knew my claim will b rejected cause i already applied for 10C. Now i would like to know why still amount is showing under pension contribution and if possible how i can claim it (i already claim 10C ) ? do i have to fill 15G now to get pension contribution amount?

    Reply
  120. Hi Sir, Thanks for this helpful article. There are so many confusing instructions out there and since this posts has the most recent updates I would really appreciate it if you can clear my doubts:

    I left my previous organisation after working for 5.1 years. (Meaning NO TDS)
    Now I’m unemployed for more than 60 days. I want to withdraw “Final Settlement” (Form 19 and 10C).
    I can see these options in portal however my PAN verification failed due to name mismatch.
    My total amount is above 50K and below 2.5 L. I do not have FD.
    Will there still be TDS?

    Reply
  121. Hi,

    I have worked for company 2 month they have open my PF account. after 2 month I left job. now where I work there no PF and my current salary is PA 2,80,000.
    my PF amount is just 5000 Rs. Do I need to feel 15G from? my PAN is not attached with PF.

    Reply
  122. Hi Basu Sir,

    My DOJ EPF was 18/10/2010 and DOE EPF was 28/02/2013 and my total PF amount till date is 72, 333.
    Can you please let me know if I need to file form 15G?

    Reply
    • Dear Mohammad,
      As your total service is less than 5 years, your EPF withdrawal will be taxable. Hence, to avoid TDS, you can submit Form 15G.

      Reply
      • Thank’s for your prompt response Basu Sir. if my total income (PF amount+ Current year income) exceeds 2,50,000 for Column number 17, Do I still need to fill Form 15G?

        Thank you so much.

        Reply
          • Thank you Basu Sir. I have one last question, for column number 17, my total income for present year (i.e my annual salary is 9.6 lac PA) should i mentioned the same adding my PF amount to it?

            Reply
  123. Hello Sir,
    I worked in a private firm 04 Mar 2015 to 24 Apr 2018.
    Now I am applying again for EPF full settlement and Epf pension amount. EPF authorities sent me a message ” Your Claim has been rejected dut to 1) TDS applicable -please submit F-15 G & PAN. On their online portal my pan has been verified. Now I am going to submit form 15 G.
    My question is : Which year should I mention in Colum 4 of 15G? Financial Year 2019-20?
    In Column 16, should I mention the estimated income of this finacial year?
    thanks in advance!

    Reply
    • Dear Jagadish,
      It should be 2019-20. Regarding Column 16, yes.

      Reply
  124. Dear Sir,

    I was working in same organization from past 10 years. in 2018 they changed the organization enity and created a new PF aaccount and asked us to transfer the amount from previous account, which I did. I have quit the job and its more than 3 months currently. Now when I try to withdraw the full amount the Joining date shows as 2018 and in online cliam it asks me to upload form 15G. My query is…

    1) Will the TDS be deducted for me since my joining to the new account shows as 2018?
    2) If no TDS will deducted then is the form 15G is mandatory?

    Reply
    • Dear Cutinha,
      If you are using the same old EPF account for your new joining company too, then TDS is not applicable for you.

      Reply
      • Thanks for your response.

        Its new account created in 2018, amount transfered from old to the new one. Then will I attract TDS?

        Reply
        • Dear Cutinha,
          If the old one is transferred to new one then it is considered as total service period of earlier and current one together.

          Reply
          • Thank you Sir.

            Reply
  125. Hi,
    I’m having pf amount – 40000 and pension amount – 15000 in my pf account. PAN has not been verified till now, but aadhar has been verified. I have contacted the pf office, they insisted me to submit form 15g with pan copy so there will be no deduction in TDS. Shall I proceed with same?

    Reply
  126. Hi,
    My total income including EPF amount for 3 years and FD interests is 3,40,000 for FY 2019-2020. Am I eligible to file Form 15G as it says that the income should be less than exempt amount?

    Reply
  127. Hello Sir,

    I have received both EPF and EPS money in my bank account. I am self employed right now and not receiving any provident fund.

    1. Will my UAN remain active? If yes, for how many years?

    2. Now may I transfer the branch of that bank which is registered in EPFO?

    3. If I do that, do I need to give any other bank details to EPFO now? But who will approve that account ? As I have no employer at present.

    4. In that case I have to give a new bank account details to my new employer (if needed in future) for EPF right ?

    Kindly reply,

    Regards.

    3. For now

    Reply
    • Dear Susmita,
      1) Yes. But there is no such deadline.
      2) Yes.
      3) You better do bank change request only when newly join.
      4) YES.

      Reply
      • Thanks a lot for all your prompt and helpful replies.

        Reply
  128. Hello Basu Sir,

    my total pf balance (employee+employer+pension) = 72000(aprrox). my pan is not verified with UAN. and aadhar is verified with UAN. and i do not have any FD in any bank . and i left job on march-2018 . after that i joined other companies but in other company no pf deduction happened. so now i create ekyc request to verify my pan to my previous employer. but for some reason they not able to see my ekyc request. so now i want to withdraw my total pf balance.
    1) can i withdrawal my total pf balance including pension amount?
    2) without pan verification can i upload pan image with 15g form ? will it accept by epfo?

    Reply
      • Query on 2nd question answer: as my employee+employer balance is around 49000 and my pension amount is around 23000. and my FY19-20 income is 5lac and i will mention this in 15g form also so in this case TDS will also deduct? if yes then what is the percentage ? thank you sir in advance

        Reply
  129. I left my last job in September 2018 (total 4 years of service) and after that, I am unemployed as I have proceeded with higher studies. I filled up ITR in last year. Recently I filled up online form for PF withdrawal, however that was rejected with reason of form 15G and PAN card missing.

    I do not have any fixed deposit in the associated bank account. Moreover, my salaried income for FY19-20 was more than 250000. Could you please suggest the best suited solution to proceed with full PF withdrawal in this case?

    Reply
    • Dear Aditya,
      Sad part of EPFO is that they set the default option of submitting the Form 15G. You submit it as they are very rigid and unable to understand what the mistakes they are doing. Then you can file IT return and claim TDS if it is more than your tax.

      Reply
      • Thanks for the prompt reply Mr. Basu. I will follow the suggestion and will share the feedback here.

        Reply
  130. Hi Sir, I have worked for 8 years and moved abroad now. I want to settle my EPF. It has been given in the article that if we have contributed for more than 5 years, there wouldn’t be any TDS. But when I apply for withdrawal as shown in your screenshots, the system asks for for form 15G. Should I just ignore and apply for the PF. Please confirm.

    Reply
    • Dear Mani,
      Yes, as you are an NRI you are not eligible to submit Form 15G. Hence, proceed without Form 15G.

      Reply
      • Hello Sir, thank you for the prompt reply.

        1. In one of the comments I see form 15g comes by default for the online claim. You have asked me to ignore Form 15g but if I ignore how would they know that I am an NRI (I have recently moved, around 6 months back)?
        2.I have worked in three companies before and consolidated all the PF accounts into one but in the service history I see only my last company but not the one’s I have worked before. Since I have contributed for more than 5 years, my withdrawal should not deduct any tax. So I am wondering if EPFO would consider I have worked only for a couple of years since only one company is listed with DOJ in 2017 in service history.
        3. Please let me know how can I withdraw my PF online without any tax deductions because of the questions above.

        Reply
        • Dear Mani,
          1) Yes, but this is the issue with EPFO. If they allow you to proceed without Form 15G, then do it.
          2) I think they will consider as all earlier EPF accounts are merged into single current account.
          3) Avoiding TDS does not mean avoiding Tax.

          Reply
  131. Namasthe !!!!

    Thanks for the informational video Basu ji. Could you please help with the below scenario ?

    I quit my job 3 months back and i wish to complete my PF final settlement. My total service is less than 5 years.

    My approximate income for the year 2019-2020 will be approximately INR 7 lacs including PF amount.Should i submit 15G also along with final
    settlement request ? I am concerned because the video says 15G must be submitted only if the income is below taxable limit.

    Reply
    • Dear Sunil,
      Yes, including EPF you have to mention. Submitting Form 15G does not mean avoiding tax.

      Reply
  132. Hi Basu sir , Very good article as always
    I have one question on EPF full withdrawal iam not able to link my pan card in uan, if i was able to upload form 15g to avoid tds

    Reply
  133. Hi Basavaraj,

    I have one query. I also want to withdraw my PF + Pension (worked for 3.5 yrs). I moved to Germany in the 2015. I understand that I fall under the NRI category but when I am applying for PF withdrawl I don’t see any option that mentions about my resident status. My claim got rejected recently because of not submission of Form 15G and pan card (I don’t see any option to upload PAN CARD while applying for PF withdraw).

    How can I proceed with my withdraw.

    Reply
    • Dear Ashutosh,
      Sad but true that they don’t have such an option. Submit Form 15G and withdraw and separately file IT return.

      Reply
      • Hi Basavaraj,

        Since I work in Germany, I file my tax return here. Is it also necessary to file tax returns from India as well.

        Reply
  134. Hi Basavaraj,

    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,
    Arun

    If they track my UAN tenure, it’ll again be 4 years 11 months

    Reply
    • Dear Arun,
      1) As you have diferent EPF accounts which are not merged to ONE, it is reflecting that way. Hence, as and when you wish to withdraw, it considers the individual account and tax is applicable as per that.

      Reply
      • Hi Basavaraj,

        Thanks for your reply.

        I have merged all my accounts to only ONE account which only has a tenure of 1.5 years. Does that mean that my PF amount is still taxable? If I remember correctly, in case of multiple companies, PF department looks at the total employment after considering all the PF accounts. My total service is 8.5 years , so ideally my PF amount should be tax exempt right?

        Reply
        • Dear Arun,
          If your all past EPF accounts are merged to ONE current account, then they consider your service as 8.5 years. Hence, it is tax free.

          Reply
          • Thanks a lot for your reply. Much appreciated!

            Reply
  135. Hi,
    I have worked for 3 years and I have been unemployed since then as I have been pursuing higher studies and I am planning to move abroad now. Hence, I want to close my account. My question is
    1. that I have interests from FDs , so should i mention that in column 16 or 17?
    2. Do i need to mention the details of NSC/FDs etc done this year in column 19?
    3. Should i mention the whole EPF amount in column 16? since its for last 3 years.

    Thanks

    Reply
      • So, you mean in column 16 , I should mention just the total EPF amount and in column 17, everything i.e., including FD’s interest and EPF amount . Is that correct?

        Also, should I mention the EPF amount or just the interest on it (i.e. 10%) in both the columns?

        Thanks

        Reply
    • Hello Team,

      I would like to claim my PF + Pension amount online as I have already quit my job 4 months back and as if not joining a new job.

      However, when I checked on Unified portal there is no option of claim both PF + Pension instead of that it’s mentioned (Only PF Or Only Pension).

      Kindly let me know how do I claim both PF and Pension through Unified Portal as my KYC is updated , UAN and Aadhar are also linked. Also, I have completed 6+ years of service.

      Reply
  136. Hi
    I left the job in Feb 2019 and before that, I had been working in two different organizations for 4 years. So I transferred my old pf in new. Now I moved abroad and I want to withdraw pf but, I have below queries. Please help me with this
    1. As depicted in the above video this form is not for NRIs? So please suggest can I use it to withdraw my PF?
    2. Can I claim my pension amount as well?

    Reply
    • Dear Pankarumar,
      1) This form is just to avoid TDS but not avoid the tax. Irrespective of your submission (actually NRIs can’t), the withdrawal will be taxable income for you.
      2) Yes, but not fully.

      Reply
  137. Dear Sir
    I have some queries regarding my PF withdrawl, my date of joining is 01.02.2015 & date of exit is 30.09.2018, i.e.-3years 7months, today I have downloaded my pass book which is showing – employer share-21,653/- & employer share-6,624/- total- 28,277, & also Pension contribution as 13,144/-.
    I want to apply for full PF amount. Which form should I apply for?

    Now my queries in respect to Form 15G.
    1.Regarding column no-4- Previous Year- my date of exit from pf is 31.10.18, i.e. in FY-18-19 but now this is FY-19-20, what should I mention?
    2.Regarding column no-16- Estimated income – I think it should be 28,277/-.
    3.Regarding column no-17- Estimated total income – I think it should be 28,277 + all other income during FY 18-19 or for FY 19-20
    4.Regarding column no-19-(a) What should I mention UID or Member ID as per pass book (b) Nature of income- ? (c) Section under which tax is deductible- ? (d) Amount of Income – what will be the amount?

    Thanks in advance for your valuable information.
    Regards
    S Chatterjee
    Mobile- 9204655205

    Reply
    • Dear Chatterjee,
      1) Current FY.
      2) Yes.
      3) Yes
      4) UAN number

      Reply
  138. Hi Basavaraj,
    I have completed 8.5 years of service and left the job in May 2016. Then I moved to abroad and I did not withdraw my PF as I was getting handsome interest on it. Now I came to know that the interest is only credited upto three years once you stop the contribution. (please advise if this is correct?)

    Secondly, now I want to withdraw the PF and pension fund. When I go into online account for claim. I get a option for uploading form 15G in claim for form 19. As I completed my service more than 5 years, my understanding is that there is no need for me to upload form 15G. So please advise, shall I ignore this in form 19 or it is mandatory for me as the option of 15G upload is showing up?

    Thanks in advance for you reply.

    Reply
    • Dear Kulwinder,
      You will get the interest on your idle account but it is taxable income for you. It is better to ignore of submitting the Form 15G in your case.

      Reply
      • Thank you Basavaraj for your reply.
        Just to clarify does it means I can leave my PF account without future contribution and will still be getting the interest?

        Reply
  139. Dear sir
    My.. 34334Pf amount and 17451 is my pf pension should i need to fill 15 G form and if yes then what is estimated income pf amount or sum of pf amount and pf pension
    Thanks and regards
    NADIM

    Reply
  140. Hello,

    I quit my job in April 2017. I’ve worked there for 4.5 years. So if I want to withdraw now (Which is Dec 2019), do I still need to submit 15G for no TDS deduction? The confusion is although I didn’t work for 5 years but the money is lying there for about 7 years now. So, do they count the actual number of years I worked or the age of the account?

    Another question, in the online portal, there are two option ‘Only PF withdrawal (Form 19)’ or ‘Only Pension withdrawal (Form 10C)’. I would like to withdraw both. Could you let me know how can I do that?

    Thanks,
    Sri

    Reply
    • Dear Sri,
      Yes, you have to submit Form 15G as your contributory period is less than 5 years. You can apply form both. Check properly.

      Reply
  141. Hello Sir,
    First time I tried to go through the claiming process of form 19C, but it was not successful as my gender was showing wrong, I got it corrected, it took 2-3 months to reflect correctly on EPF portal.
    Second time I tried to go through the claiming process of form 19C, I found uploading form 15G has been introduced (previously it was not there, it started from May 2019). So again I could not complete the process as I need to know how to fill up form 15G first.
    Today when I was trying through the claiming process it showed your previous claim is already pending. When I clicked on the link given beside this line to view the claim status, it is showing no claim found.
    Kindly help me in this situation. Is there any number of attempt restriction in claiming process? Simply internet connection can disrupt in between and one has to attempt several times to complete the process, right?
    Waiting for your reply.

    Reply
    • Dear Susmita,
      It is an issue with their portal as they not updated that your earlier requests canceled. Better to raise an issue with EPFO Grievance Cell Online.

      Reply
      • Hello Sir,
        Thanks for your prompt reply. I will do as per your suggestion if it again happens next time.

        I have few more queries:
        1. 10C form is not showing any 15G upload option like form 19. Why is that so?

        2.My PAN is verified in EPF. Do I still need to upload image of PAN along with 15G?

        3.Can I upload scanned copy of front page of passbook instead of cheque leaf, where they are asking to upload?

        4.I do not know about form 11. I did not have EPF earlier than last employer. Will it cause any issue?

        5. What should I write in 15G point no.19 as identification number of relevant investment/account: Member ID or UAN number? Should I write the other number on the top of 15G?

        6. Can I claim EPF online only on weekdays during office hours or I can claim any day at any time.

        Waiting for your valuable reply,
        Regards.

        Reply
        • Dear Susmita,
          1) If it is not showing, then you no need to worry.
          2) NO.
          3) Yes.
          4) No.
          5) As per your convenience.

          Reply
          • Hello Sir,
            Thank you once again.

            I think “5)as per your convenience” is your answer for point no.6

            Could you please tell me
            5. What should I write in 15G point no.19 as identification number of relevant investment/account: Member ID or UAN number? Should I write the other number on the top of 15G?

            Reply
            • Dear Susmita,
              Sorry it is for your question number 6. For 5th, my answer is mention UAN number or EPF account number is also fine.

              Reply
              • Hello Sir,
                As I did not have EPF earlier than last employer, I have one establishment ID and one member ID along with UAN in passbook and service history. Nothing is mentioned as PF number.
                1. Then what is PF number in my case?
                2. Should I write member ID along with UAN in the specified column?

                Kindly guide me.
                Regards.

                Reply
                  • Hello Sir,

                    1. I have got the pension amount little less as shown in passbook. Why is that so?

                    2. Is there any option to get the breakup of the money received? Is there anything I can download after receiving the money?

                    4. Is there any formality left with EPFO after receiving the money in my bank account?

                    Waiting for your your reply,

                    Regards

                    Reply
                    • Dear Susmita,
                      1) Because EPS will be payable based on Table D. Hence, you received it less.
                      2) No.
                      4) No.

  142. Hi sir,
    I’m currently studying. I worked for 3 years and wanted to close my both Pf and national pension (NPS). I don’t have anyother source of income. Is Form 15G enough for both to avoid tax or NPS will be taxed even though we submit Form 15G? I have epf online account

    Reply
    • Dear Rajesh,
      Repeating again, AVOIDING TDS DOES NOT MEAN AVOIDING TAX.

      Reply
  143. Hello sir,

    I want to Withdraw My Full PF and Pension Amount Offline as My DOJ is 22/07/15 and DOE is 15/01/2019 and My Total Amount is around 60K.As In between I Joined other firm In which DOJ and DOE was before the DOE of Previous company so Online not possible.Kindly Suggest me How can I withdraw My Full Pf+Pension Amount Offline and Which Form I have to fill up and also My Aadhar is only Verified not My Pancard on UAN Portal and also My account PMC Banks has been verified but rightnow PMC has been restricted by RBI so how to get my other account attached if I m not having Cheque book sir but having Passbook.Please Do Reply sir as I have to Withdraw that money asap due to Home Renovation for marriage purpose.
    Thank You sir
    Yours Hopefully
    Chandrashekhar A. Bind

    Reply
    • Dear Chandrashekhar,
      Yes, you can use the Passbook to update your bank detials.

      Reply
  144. Hi Basavaraj,
    Firstly,thanks a lot for making such useful information available to all of us.
    Right now my overall experience in my profession is 10 years.But I have changed 3 different companies till now and for some reason I ended up having different UANS for each company .
    Now,my query is though I want to withdraw pf money from my first company where the experience was 3 years and also the amount to be withdrawn is more than 50000.
    I have not submitted the form 15g online,because my overall experience is more than 10 years.
    Yet I have been rejected based on the reason,that I have not furnished either the Form15g or Pan card forms.
    Kindly let me know what to do in this case.

    Note:Sry for such a long question

    Reply
    • Dear Prasuna,
      Your each EPF account withdrawal treated separately as they are not transferred. Hence, you have to consider your first EPF as separately and act accordingly.

      Reply
  145. My employee and employer share is less than INR 50,000. It is approx INR 49000. Do I need to fill form 15G for EPF withdrawal ?

    Reply
  146. My claim rejected due to
    1.MR has to submit a letter regarding his previous service any to decide his EPS membership eligibility
    2.Certificate enclosed is improper

    please help . Do we need to submit 15G form?

    Reply
  147. Thanks for the above information!

    I just wanted to ask some questions. I want to fill 15G only for my EPF purpose so I should only state the amount of PF to be withdrawn and not other kind of incomes right?
    And another thing my PF ranges from june 18 to july
    19 so which FY and AY should in mention in the form

    Reply
    • Dear Ahay,
      “I should only state the amount of PF to be withdrawn and not other kind of incomes right?”-YES.
      The FY should be current one as you are withdrawing it currently.

      Reply
  148. Sir I want to withdraw my EPf and EPS online . Total amount less than 50,000 but my PAN card not updated to my EPF account by my employer though I have my PAN card with me. Can I submit form 15g?

    Reply
    • Dear Sinthui,
      You can submit so. But I hope your service period is less than 5 years, then obviously it is still a taxable income for you.

      Reply
  149. Recently I applied for PF withdrawal (Form 19) and Pension withdrawal (Form 10C) which was rejected with reason “certificate a/b/c/d/e/f not enclosed / signed”.
    What does it mean and what should I do?
    Kindly suggest

    Reply
    • Dear Anjani

      Could you elaborate further

      Denzil

      Reply
  150. Hi, my total of is 69008. I don’t understand the 15 g form no 16 and 17. Can u tell me how to fill it up.

    Reply
  151. I have moved to abroad and want to close my EPF account. Is EPF withdrawal process different for NRI ?
    What is the difference between EPF withdrawal process for Resident Vs Non-Resident.

    Reply
    • Dear Yogesh,
      Is EPF withdrawal process different for NRI ?-NO

      Reply
  152. Sir…
    I want to withdraw my both EPF and EPS…and it’s been 3+ years to left my job…which form should i fill

    Reply
    • Dear Sandy,
      If you have login and UAN, then you can withdraw it online itself.

      Reply
  153. Very useful pieces of information have been processed in a very constructive manner.

    Reply
  154. I worked for 3 years and my PF amount is more than 50,000 however my annual salary was more 4 lakh. Do I still eligible for tds exemption by filling 15G or I am not eligible for 15G and there will 10percent tax deduction?

    Reply
    • Dear Huzaifa,
      If your taxable income (not gross) is more than Rs.2.5 lakh, then you are not eligible to submit the Form 15G. As I said above, avoiding TDS does not mean avoiding tax.

      Reply
  155. hello sir,
    My PAN number not accepting by EPFO portal. form 15 G also not accepting. i need to withdraw my PF.

    Reply
  156. Hello Sir,

    I worked for one company for 8.5 years. Recenlty i have leave this job ( in Sep 30 -2019) . I want withdraw all my PF & Pention balance. So should I fill 15G form ? And can I apply .
    Please suggest .

    Reply
    • Dear Sunil,
      As your service period is more than 5 years, you no need to fill Form 15G.

      Reply
      • Hi Basavaraj Ji

        My case is also similar to sunil . Please reconfirm here as there is no need to upload form 15g ?? Because though there is 5+ years of service and PF contribution , but with 15g form submission is for TDS rebate.Please advise.

        Regards
        Ajay

        Reply
        • Dear Ajay,
          If your service is more than 5 years, then yes no need to submit Form 15G.

          Reply
  157. sir, I need withdrawel fom epf,but I not pancard.unportel is adhar linked.

    Reply
    • Dear Prasad,
      If you don’t have PAN card, then be ready to cough TDS.

      Reply
  158. hi Basavraj !!!!
    your blog is really commendable. Can you please help me to clear a few doubts?
    I am an ex employee of a company. My CPF is around 3.5lakhs(excluding pension contribution). Now if i am withdrawing the total amount then i have to add the 15g form . But should i only add form 1? will it be ok for the pf department? what about form 2? will the department send it to my employer for filling up? Kindly advise.

    2. Bit more clarity on column 19 please.

    Reply
  159. Hi Basavaraj,
    Thanks for the informative article, I have a doubt here, my PF is 83,500, I have left my job in December 2018 and I worked for 3 years, If I want to withdraw my PF do I need to submit TDS and

    1) My total salary has exceeded 2.5 lakhs margin for 2018 till December month and I am not employed currently and I do not have any income from December 2018.

    2) If I want to withdraw my PF amount is there any way that I could avoid TDS on withdrawing my PF amount. Please suggest me the best option I have, thanks.

    Reply
  160. Hi basavaraj,

    I want to do partial withdrawal for illness..,I have employee share of 55000 in epfo..,so what’s the maximum amount that I can apply during withdrawal.

    Regards,
    Hemanth

    Reply
    • Dear Hemanth,
      You can’t withdraw as per your wish (there are certain events like marriage or house property).

      Reply
  161. Hi Basavraj,
    very useful blog I had a question,I had worked for a company for 5.5 years which is based in Maharashtra and I have moved to Karnataka.i am very much confused about the process.Can you please throw some light
    1.Online withdrawal process my Pan card verification got failed.I checked with respective department ,they said its problem with Pf dept.
    2.Pf dept asked to fill in the form 15g and submit Pan card document.My employer is asking me to send all the hard copies and he will process it further so I am not sure how much time it would take again.
    Can you please give me better solution for this.

    is it necessary to submit hard copy of pancard and form15g again to pf dept??if yes is it fine to submit anywhere as I have single UAN no.
    Your earliest reply will be highly appreciated.

    Thanks,
    Disha

    Reply
    • Dear Disha,
      1) If your PAN is not linked, then they deduct the TDS. Hence, online is not happening, then do the same either through your last employer or through regioanl EPFO.
      2) It is better to process it through employer.

      Reply
  162. My total PF withdrawal amount is less than 50000, then I have to submit FORM 15G & PAN or I can withdrawal it without that.

    Reply
    • Dear Himanshu,
      Submit those two documents if you don’t want there should be a TDS. Otherwise, you no need to submit.

      Reply
  163. Can You please send me PF withdrawal form? Because online I am getting 2 types of Form 15G. Please send me which one I can apply for Only PF withdrawal.

    Reply
  164. Hi,

    If I resigned from a company due to a reason that I have to move abroad as my partner was out of india. Is this reason consider as reason beyond the control of employee?
    Thanks

    Reply
  165. Hello Sir,
    I worked for one company for 5.5 years, while filling online PF withdrawal there is form 15G upload link.
    Do I need to fill it ?

    Reply
  166. Dear Sir,
    Is PF account is showing only amount from employee and the employer. There is no calculation of interest amount which EPFO supposed to give us(8.65%). Then how do i update exact amount. If i add displayed amount then will they add interest up on that or its just dead end for common people.
    Regards
    Richard Noronha

    Reply
    • Dear Richard,
      You have to enter the amount which is visible in your passbook balance as on date.

      Reply
  167. Hi Basu Sir,
    Thanks for informative article.
    I have worked for one employer for 4 years and then during separation process withdrawn PF. With the next employer I continued PF contribution and now after 4 yrs 10 months of employment I moved to abroad permanently. I want to close my EPF account.

    Does my PF eligible for TDS ? Do I need to fill Form 15G for PF withdrawal ?

    Thanks,
    Praveen Kumar

    Reply
    • Dear Praveen,
      Yes, your withdrawal will attract TDS. But before filling Form 15G, check the eligibility of who can submit Form 15G.

      Reply
  168. HELLO SIR,

    I DO HAVE AN QUERY…I WORKED FOR A COMPANY FOR 1.2 YEARS (14 MONTHS) AND MY (EE+ER) BALANCE IS
    rs. 7387…I LEFT THE JOB ON 7TH APRIL 2019 SO MY 5 YEARS CONTRIBUTION TO EPF HAS NOT BEEN FULFILLED ..SO THE QUESTION IS DO I NEED TO FILL THE FORM 15G OR IS IT NOT REQUIRED TO FILL IT..

    Reply
  169. Hi, I worked for 10 years in one company and resigned.
    If I’ve to withdraw my full PF amount now, do I’ve to submit any forms for no deductions?

    Reply
    • Dear Niklesh
      2 months waiting period only then you can apply assuming you are not working.If working not possible.

      Reply
  170. Hi
    Thanks for sharing good article.
    Now my dad is working in government sector but due to some health issues he cant move out. How can i get all money back to my account.

    Reply
    • Dear James,
      Approach his employer or regional EPFO to get back the money.

      Reply
  171. Hi Basu sir , Very good article as always
    I have one question on EPS withdrawal , will there be any deduction – one of my friend recently submitted for EPF and EPS withdrawal and around 1500 less credited in account

    Total EPS in passbook was 27100 where as he got only 25700

    do we need to raise any request

    Reply
    • Dear Venkat,
      For how many years the EPS contribution was done to EPS?

      Reply
      • Dear Basu sir
        Thank you
        The total experience for my friend was 3 years 1 month and that was the only contribution towards EPS
        Thanks
        Venkat

        Reply
      • Hi,

        I have worked for 5 years and 3 months. I have resigned my job before 2 months and now trying to claim my PF. Currently I want to claim only my PF amount (Employee+Employer) shares.

        If I try that option, it shows to fill 15g form. Please help me
        1) What to be filled in residential address column
        2) What to be filled under estimated amount for which declaration is made?
        3) Estimated total income
        4) Nature of income
        5) Section

        Please note that my last drawn salary was 3.2lpa. Please help me how I should proceed next??

        Reply
          • Dear Sir,
            I worked in a company from July 2010 to June 2015 (4years 11monts & 20days) and left my job & unemployed till date.
            Now i want to withdraw my pF amount (more than 500000).
            My queries-

            1)Do i need to need submit form 15G
            2) if yes then what should i need to mention in the previous year column.
            3)As i don’t have any income, so what amount should I mention in point no 17 & 18

            Reply
            • Sir, I want to withdraw EPF amount ,for that have to fill up 15G , facing problem with fill up.
              1) what to write in previous year column?- want to submit epf on 1sep 20
              2) Assessment year to write
              3)in place of estimate income I have add Interest of RD,FD and intersrest of saving account along with Pf amount

              Reply
        • Dear sir I have worked 4. 5 years then I resgine in 2017 after that I was joined new company but some problems in name name and DOB I can’t able to transfer my old pf account. Now I want to claim my pf and my current annual income exceeds the basic tax limits so please assist me whether I am eligible for 15 g form to avoid TDS.

          Reply
            • I had relieved on 2018 my pf amount is nearly 50k should I need to submit the 15g form in office directly or not.plz ensure this because of covid issue and also I’m 8 months pregnant. That’s why I’m asking this.

              Reply

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