{"success":true,"data":{"author_id":null,"expert_id":null,"expert_quote":"","expert_quote_attribution":"","_id":"699474662eb8014fa9441038","title":"Form 15G for EPF Withdrawal – A Complete Guide","metatitle":"Form 15G for EPF Withdrawal – A Complete Guide","metadescription":"Learn how Form 15G helps avoid TDS on EPF withdrawals before 5 years. Know eligibility, income limits, filing steps & FAQs for hassle-free claims.","primary_image_url":"https://finright-cms-media.s3.ap-south-1.amazonaws.com/38a5cf68-bd42-48bd-8f9e-62cb01ab4c9b.webp","main_content_id":{"_id":"699474662eb8014fa944102f","content":"

When you withdraw money from your Employees’ Provident Fund (EPF), the amount is usually tax-free if your service is more than 5 years. However, in cases where those conditions are not satisfied, Tax Deducted at Source (TDS) may apply. To avoid unnecessary TDS deduction, you can submit Form 15G.

This blog explains what Form 15G is, when it applies in the context of EPF withdrawal, eligibility criteria, the submission process, and common mistakes to avoid.


What is Form 15G?

Form 15G is a self-declaration form under Section 197A of the Income Tax Act, 1961.

By submitting it, you declare that your total income for the financial year will be below the basic exemption limit, and hence, no TDS should be deducted on your income, including interest or EPF withdrawals.

It is primarily used by individuals (other than companies or firms) to ensure that banks, EPFO, or other institutions do not deduct tax at source if your income is below the taxable limit.


Why is Form 15G Important for EPF Withdrawal?

👉 Example:

Ravi worked for 3 years and accumulated ₹2.8 lakh in his PF account. He resigned and applied for withdrawal. Since his service is < 5 years, EPFO would deduct TDS. But Ravi’s annual income (including PF) is below ₹3 lakh (the exemption limit). By submitting Form 15G, Ravi ensures that no TDS is deducted.


Eligibility Criteria for Submitting Form 15G

You can submit Form 15G for EPF withdrawal only if:

  1. You are an individual (not a company or firm).
  2. You are below 60 years of age. (For senior citizens, Form 15H is applicable instead.)

Though remember every individual who withdraws the full amount before completing 5 years also has to fill the form 15G mandatory.


How to Fill Form 15G for EPF Withdrawal

Filling Form 15G correctly is crucial, because even a small mistake (like wrong PAN or service year) can lead to TDS deduction or rejection of your withdrawal claim. Here’s a field-by-field guide:

Part I – To Be Filled by the Declarant (You)

  1. Name of Assessee – Write your full name as per your PAN card and UAN records.
  2. PAN of the Assessee – Enter your valid Permanent Account Number. This is mandatory.
  3. Status – Select Individual.
  4. Previous Year (P.Y.) – Enter the financial year in which you’re making the EPF withdrawal. Example: For withdrawal in FY 2025–26, write 2025–26.
  5. Residential Status – Tick Resident Indian. NRIs cannot submit Form 15G.
  6. 6–13. Address Details – Fill in your complete residential address (flat number, street, city, state, PIN code, email ID).
  7. Telephone / Mobile Number – Provide an active contact number
  8. Whether Assessed to Tax – If you’ve filed ITR in any of the last six years, tick Yes and mention the last Assessment Year. Otherwise, tick No.
  9. Estimated Income for which Declaration is Made – Write the amount of EPF you are withdrawing.
  10. Estimated Total Income of the P.Y. – Include your salary, EPF withdrawal, and any other income expected during that year.
  11. Details of other Form 15G filed – If you’ve submitted Form 15G elsewhere (e.g., to a bank for FD interest), mention the total number of forms and total income covered.
  12. Details of Income for which Declaration is Filed –

Finally, sign the declaration at the bottom, confirming that your total income is below the exemption limit.


Part II – To Be Filled by EPFO

This section is left blank by you. It will be filled by the EPFO when they process your withdrawal.


Situations Where Form 15G is Needed in EPF

👉 If your service is 5 years or more, EPF withdrawal is tax-free, and Form 15G is not needed.


How to Submit Form 15G for EPF Withdrawal

1. Online Submission

2. Offline Submission


Key Points to Remember


Conclusion

Form 15G is a valuable tool for avoiding unnecessary tax deduction when withdrawing your EPF before 5 years of service. However, it must be used carefully—only if you genuinely fall below the taxable income bracket. Submitting it incorrectly can invite penalties for false declaration.

If you are unsure, consult a tax advisor or PF expert before submitting your claim. At the end of the day, the goal is to ensure that your hard-earned savings are not reduced by avoidable tax deductions.

"},"category":"PF Withdrawal","author":"Finright","is_published":true,"is_draft":false,"published_at":"2026-02-17T14:00:06.267Z","is_deleted":false,"summary_id":{"_id":"699474662eb8014fa9441036","summary":"

Form 15G prevents unnecessary TDS on EPF withdrawals if your total income is below the exemption limit and you are under 60 years old.It is mandatory when withdrawing EPF before 5 years of service with a balance above ₹50,000 to avoid TDS at 10%.Correctly filling and submitting Form 15G online or offline ensures no TDS deduction, but PAN is mandatory and false declaration may lead to penalties.

"},"visual_summary":null,"faq_id":{"_id":"699474662eb8014fa9441031","faqs":[{"question":"What is the income limit for submitting Form 15G?","answer":"

You can submit Form 15G only if your total income is below the basic exemption limit:

Even though the new regime offers a rebate up to ₹7.5 lakh (from FY 2025–26), this rebate does not extend Form 15G eligibility. For Form 15G, the stricter exemption limit of ₹2.5L/₹3L applies.

","_id":"699474662eb8014fa9441032"},{"question":"Why is Form 15G important for EPF withdrawals?","answer":"

If you withdraw EPF before 5 years of continuous service and your balance is more than ₹50,000, EPFO deducts TDS:

Submitting Form 15G ensures no TDS is deducted if your income is below the exemption limit.

","_id":"699474662eb8014fa9441033"},{"question":"Do senior citizens also use Form 15G?","answer":"

 No. For individuals aged 60 years and above, Form 15H must be used instead.

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