I worked in a MNC for 4 years and resigned, as I got better another opportunity as free lancing programmer. (My total exp is 14 years in IT industry). I have withdrawn my PF contribution after I worked in another MNC for 5 years, before switched to this company. (PF account numbers were different then)
Now I continue working as same since last 3 years almost. Since I work as free lancer / independent contractor, there is no EPF contribution and the EPF account will become dormet next year. I have started PPF contribution in one of the nationalised bank.
Can I withdraw my PF amount without attracting any income tax? (right now my free lance income falls under 30% bracket).
Thanks and appreciated your advice.