EPF Tax Withdrawal for less than 5 years

Tax (TDS) for PF Withdrawal applies only when you years of service is less than 5 years and if Years of Service > 5 years then No Tax.

And even when your Years of Service is less than 5 years,There are 3 different scenarios as displayed below

No Tax

  • PAN is submitted and updated
  • Form 15 G/H is submitted

Even if PAN is unverified in UAN portal, ==> TDS won’t be applied. (PAN just needs to be updated in the portal)


10% Tax 

  • PAN is Submitted
  • No Form 15 G/H is submitted


34% Tax

  • No PAN or Form 15G/15H is submitted