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 raise an issue related to your EPF issues using the EPFO Whatsapp numbers. For details, refer the post “EPF Whatsapp Helpline Numbers – Full list of Regional Offices“.
Note:-Now you can update your bank details online. Refer my post “How to correct/update Bank details in EPF/UAN online?“.
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.
# 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.
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.
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
# 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.
# 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.
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View Comments
I worked for 3 different companies in India from 2006 to 2013, after which i left for Australia and have been living there since. Is there a way i can withdraw my EPF as i dont have any UAN, aadhar or a registered mobile number to access this information. One of the companies i used to work does not exist any more so going back to those companies for any information is also not an option.
Any advice will be greatly appreciated
Thank you
Dear VJ,
No option but to visit the regional EPFO.
Dear sir,
I working 8 years and 5 months in the company. And now I leave the job after 3 months I am mark exit in epfo. When I am applying for withdrawal my pf form 15g show for upload please suggest me it is required or not now in my case. If it is not required then other details they ask fill and claim it or something else. Please suggest me.
Dear Rohit,
It is not requried but sadly EPFO not understand the basic rules also.
If I'm working since last many years (more than 5) but in different organisations however with same UAN number, but in my last company I have served only for 1.5 yr. Do i still need to fill 15G form to withdraw PF?
Dear Vindu,
Not required if the same EPF is used for more than 5 years.
Sir namaste
I am Ramesh Gupta
I have worked in jammu and kashmir in
August 2016 to 14 December 2018 in mata vaishno devi narayana hospital that time there were no online EPF account but after that government decided removed the article from there and my epfo account was created in 2019 as u know very well my join and resign period is same day but I want to withdraw my epfo balance in 2022 sir please give me right information about fill form 15g assessment year and previous year for filling in form
Dear Ramesh,
Yes.
Hi Sir,
This is Anusha , am trying to submit my form 19 and form 10c to withdraw pf full and final settlement. My pf amount is 50000. so while claiming form 19 i submitted form 15g also to avoid TDS. unfortunately i received the status like Claim Rejected UPLOAD PAN ALONG WITH FORM-15G FOR NECESSARY ACTION.
second time i upload with PAN along with form 15g, but they rejected this time with status Claim Rejected KINDLY SUBMIT FORM 15G TO AVOID TAX DEDUCTION. due to this they rejected my 10c also with the status Claim Rejected FORM 19 REJECTED. HENCE AGAIN APPLY BOTH 19 AND 10C.
Can you please help me on this sir, Am waiting for your response.
Thanks in advance
Anusha
Dear Anusha,
I have already replied to your email.
I am applying for PF advance using Form-31. The amount is 50000 exact.
Would TDS be deducted for pf advance as well?
I worked for less than 5 yrs.
Dear Rahul,
There is no TDS for advance.
Hi,
I worked from 2012-2015 in IT and resigned job thereafter. In April 2022, I have claimed my epf amount and pension amount as well. I have submitted Form 15G as my claim amount is more than 50000. Unfortunately, 10% TDS was deducted from epf claim amount. I am really unsure why it had happened though I submitted my Form 15G.
Please let me know what should I do now.
Thank you in advance
Jyoshna
Dear Jyoshna,
Rather than scratching head on TDS, you can take control of taxation while filing ITR.
I worked in a company from 2012 to 2016. After that I jumped to another company and worked there for only 6 months. Both company gave me different UAN. I linked them in one. I managed my KYC details and now I want to withdraw my EPF amount in 2022. I resigned at March 2017.
I claimed online.
I want to ask you that how to fill PY and which amount should be filled in form 15G?
Dear Vikas,
Please refer above post again.
Hello sir,
Pf claim rejected twice with the same reason-) form 15g/h pan card not submitted by the member. I have already submitted pan kyc and its approved also. What should be done?? Please suggest.
Dear Pooja,
Raise an issue with EPFO Grievance Cell Online.
Sir, I had marked EXIT from epfo. My tenure of job was March 2012 to January 2020. Now is it necessary to upload form 15G for claiming only of withdrawal (form19) ??
Dear Swarup,
Not required.