PF Withdrawal TDS Calculator
Find out how much TDS (Tax Deducted at Source) will be deducted from your PF withdrawal and what you can do to reduce or avoid it.
Calculate TDS on Your PF Withdrawal
How TDS on PF Withdrawal Works
TDS on PF withdrawal is governed by Section 192A of the Income Tax Act. The key factor is continuous service of 5 years — if you have completed 5 years, no TDS is deducted regardless of the amount. For service less than 5 years, the withdrawal amount, PAN status, and Form 15G/15H submission determine the applicable TDS rate.
TDS Rates at a Glance
| Condition | TDS Rate |
|---|---|
| Service ≥ 5 years | 0% (Exempt) |
| Service < 5 years, Amount < ₹50,000 | 0% (Below threshold) |
| Service < 5 years, Amount ≥ ₹50,000, PAN linked | 10% |
| Service < 5 years, Amount ≥ ₹50,000, PAN not linked | 30% |
| Form 15G/15H submitted (income below limit) | 0% |
| Medical termination | 0% (Special exemption) |
Not Sure If You Are Eligible to Withdraw?
Before calculating TDS, make sure you are eligible to withdraw your PF. Use the PF Withdrawal Eligibility & Form Finder to check your eligibility and find the correct withdrawal form.
Frequently Asked Questions
Q. Is PF withdrawal after 5 years fully tax-free?
A. Yes. If you have 5 or more years of continuous service, the entire PF withdrawal amount is exempt from TDS. No tax is deducted at source.
Q. What is Form 15G and when should I submit it?
A. Form 15G is a self-declaration form stating that your total annual income is below the taxable limit. If you submit it before PF withdrawal and your income is below the limit, no TDS will be deducted even if you have less than 5 years of service.
Q. What if TDS was deducted but my income is below taxable limit?
A. You can claim the full TDS amount as a refund when filing your Income Tax Return (ITR). The refund will be credited to your bank account after ITR processing.
Q. Does transferring PF to a new employer avoid TDS?
A. Yes. Transferring PF from one employer to another is not treated as a withdrawal and no TDS is applicable. The service period also continues, helping you reach the 5-year threshold.
Q. Is the employer's contribution also taxed on PF withdrawal?
A. Yes. When TDS is applicable, it is deducted on the total withdrawal amount which includes both the employee and employer contributions along with accumulated interest.
Q. What happens if I don't link PAN with UAN?
A. If PAN is not linked, TDS is deducted at the higher rate of 30% instead of 10%. Linking PAN with UAN before initiating withdrawal is strongly recommended.
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Disclaimer: This calculator provides estimated TDS amounts based on current Income Tax Act provisions applicable to EPF withdrawals. Actual TDS may vary. Consult a tax professional for specific advice.