prpri Withdrawal from Provident Fund before Completion of 5 years taxable? Withdrawal from Provident Fund before Completion of 5 years taxable?

Withdrawal from Provident Fund (PF) Account before Completion of Five years taxable?

Withdrawal of Provident Fund may attract Income Tax. TDS @ 10% will be deducted from the withdrawal amount subject to monetary limit of Rs 50,000, if the withdrawal happened before completing five years of subscription. Tax officials have cited a rule in the 1961 Income-Tax Act that taxes PF withdrawals by employees before completing five years of contributions into the EPF is taxable.

In most cases, the accumulated PF balance is withdrawn at the time of retirement, and therefore, not taxable in the hands of the individual. However, in certain cases like change in employment, an individual may even withdraw the PF balance earlier. The point one needs to remember is that the amount received from such PF is not exempt from tax in all cases. Only under the circumstances listed below will the amount withdrawn from PF be eligible for such exemption from tax.

  • If the employee has rendered continuous service with the employer for five years or more. Again, if the balance includes amount transferred from the individual’s PF account maintained by previous employer(s), then the years of continuous service rendered to the former employer(s) would be included for the purpose of computing the five-year period.
  • If the employee has not rendered continuous service of five years, but the service is terminated by reason of the employee’s ill health or discontinuance of the employer’s business or reasons beyond the control of the employee, the amount will be tax-exempt.
  • Another tax-exempt case is when, on the cessation of the employment, the employee finds another job and the the accumulated PF balance is transferred to his individual PF account maintained by the new employer.

In short, where the PF amount is withdrawn before five years of continuous service, it may be taxable in the hands of the individual as if the fund was not recognised from the start of the contributions. In such a case, payment received by the individual in respect of the employer’s contribution along with the interest accrual thereon is taxed as “salary”. Interest on the employee’s contribution is taxable as “other income”. Payment received in respect of the employee’s own contribution is exempt from tax (to the extent not claimed as a deduction earlier).


I-T provisions provide that the trustees of a recognised PF or any person authorised by the regulations of the fund to make the payment of the accumulated balance to the employee should deduct tax at source while paying the amount. Further, the person liable to deduct tax has to issue the certificate of tax deducted at source (Form 16) within the specified time frame to the employee depicting the details of taxes withheld from the accumulated PF balance and also comply with other salary-related compliance necessities. So the next time you think of withdrawing your PF, you must as an individual also assess whether the same is taxable or exempt.


I worked with a private company for four and years and nine months. I have given a provident fund (PF) withdrawal request to my ex-employer. Will the PF amount be taxable?

We understand that the PF maintained by your former employer was a recognized PF. As per the provisions in the Income-tax Act, if the employee has rendered continuous service with his employer for five years or more, then the withdrawal of accumulated balance from such PF is not taxable at the time of termination.

Since the period of your services with the ex-employer is four and a half years which is less than five years, you shall be liable to tax on the amount withdrawn from your PF. In addition to the normal tax payable by you, you will be required to pay all the tax concessions availed by you so far on account of contribution to such recognized PF. Further, the total employer’s contribution plus interest thereon, which was not taxed earlier, shall be taxable as profits in lieu of salary.

However, if the accumulated balance in your PF account is transferred to your recognized PF account maintained by the new employer, no tax liability shall arise due to such transfer.

Image courtesy of Mister GC at

(Republished with Amendments by Team Taxguru)

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  1. T R Sunder says:

    I had worked in a company from Jan-2016 To May-2020. If I withdraw my PF amount both my contribution & company contribution will it be taxed. If so tax % ge.
    Also I want to know can I withdraw pension amount also as my service /contribution was less than 5 yrs and I am planning to start my own business and hence will not transfer my PF amount.

    Kindly advice.

  2. Madan Rawat says:

    I have joined a company at the age of 54 years and officially retired at the age of 58 years but again joined the same company within 3 days
    But during extension period my PF was being deducted and deposited in to previous PF number
    Now I am going to retire in June 30 2021
    So when I withdraw my final PF
    Does it attract the TDS as the actual service was less than 5 years

  3. Madan Rawat says:

    I have joined a company at the age of 54 years and officially retired at the age of 58 years but again joined the same company within 3 days
    But during extension period my PF was being deducted and deposited in to previous PF number
    Now I am going to retire in June 30 2021
    So when I withdraw my final PF
    Does it attract the TDS as the actual setvice was less than 5 years

  4. Ninad Sule says:

    I joined a MNC on 19May2014. I would have retired on19-Jan-2019 as I would be 60 yrs. But I resigned / took early retirement on 3-Sep-2018. I withdrew my PF on 16April2019. Guess they deducted 10% TDS. Is my balance PF withdrawal amount taxable?

  5. MPS says:

    I have completed 10 years of continuous service in a semi govt organization and wish to withdraw @ 10 lacs from my contribution for the purpose of repaying home loan principal amount.
    In such a scenario will this amount of @ 1o lacs be taxable and if yes at what percentage?

  6. SJ says:

    if one leaves the company say after 4 years and nine months ( before completing 5 yrs) but withdraws his EPF after 5 months ( ie: after 5 years and 2months. is the same taxable

  7. Rajasekhar reddy says:

    In 2019 I withdrawn pf amount Rs 85,000 & TDS is Rs8500. At present my gross salary was Rs 7,50,000 for the year 2019-2020. While filing my IT returns shall I add Rs.85,000 to my gross salary or it is not necessary to add. Please tell me as early as possible

  8. TAPAS KUMAR says:

    my total pf amount is more than rs 50000
    example- pension share- rs 24000
    employee +employer share = rs 48000
    I have left the job after 3.5 years
    and i want to withdrawn all pf amount ( pension+employer+employee share)
    my question is there is need to submit 15 g form or not


    I want to resigned from a tea estate after working 4.5 years, which has their own company’s PF account for their entire workers, staff and management.

    I just want to know, if I transfer my PF balance amount to my new employer’s PF account with different account number, IS IT TAXABLE…..

  10. Anil kumar says:

    i have withdraw my PF But 10% deduction done by pf dept so can you help to get refund of the same & what is the charges apply

  11. Deepak Kumar says:

    I have completed 4 yrs, 11 months and 19 days in Company A and joined Company B with different pf account.
    I withdraw pf earned in Company A after 3 yrs of leaving Company A and got the pf amount after deducting the tax amount.
    Can i file an ITR return on this? or this is taxable income because not completed exact 5 years in Company A?

  12. deepak singh says:

    i have a quarry regarding the My pF with drawn from my pervious PF account, i had worked in the firm for 4 yrs and left after the termination of my Contract, i joint the new firm where my new PF account no. was allotted, since my previous employer didn’t provide the details of my pf account . 6 months later i had withdrawn all the account from my previous PF account . can i claim exempted under section 10(11) & 10 (12).

  13. Sudeep says:

    I worked in a company for 3.5 years and then immigrated overseas. I have withdrawn my PF but a 10% TDS was applied to my PF amount. Moreover, I spent just 2 months in India in the financial year. Can I claim tax refund on my TDS?

  14. vinodpandey80 says:

    I worked for 1st organisation for a year and then after a gap of one month joined the 2nd organisation and worked there for 4 years. I also got transferred my PF balance from 1st Organisation to 2nd. Now I withdrawn the PF accumulation in 2nd organisation. they have deducted TDS@10%.

    Now please let me know:-
    1- What is the method of counting continuous 5 years of service for TAX exemption. Is it salary slips. Is it PF Account statement or is it with service certificates.
    2-If the withdrawn amount is taxable in my case.

    Kindly solve the issue.

  15. Achuthan says:

    Before completing 5 years I left the job and went abroad. I have withdrawn the total pf, including company’s contribution.
    Do I have to revise my earlier returns to reflect the of contributions as income in the respective years or will it be considered as the income of the year in which it is withdrawn ?

  16. vijay reddy says:

    I left my previous company and reason for leaving is “CESSATION”. I claimed my PF amount online with out PAN CARD. Amount is less than 30 thousand.
    Do I have to pay Income Tax for this amount ?
    Do I have to mention this amount while filing IT Returns ?

  17. Prateek Panday says:

    I retired from one company at the age of 58 and withdrew my PF after having served them for 20 years. Subsequently, after 6 months of my retirement, I was employed by another company where the retirement age is 60. Having now retired from this company too, having effectively worked less than 2 years, does my PF withdrawal from this 2nd company become taxable. Will the tax (TDS) be 10% and do I have to show this in my ITR. ?.

  18. Ratnakar says:

    I withdrew my PF after 5 years of my first contribution but my continuous service with employer was 3 years and 2 months only . TDS amount 10% was deducted. Am I eligible for refund or I need to pay remaining tax? If yes under which section I can claim refund ?
    Please help.!!

  19. Ashpid says:

    I was working in different banks for last 8 years. The following are my details :
    Organisation Joining Relieving Days worked
    A 12-01-2010 14-07-2011 548
    B 25-07-2011 24-04-2012 274
    C 11-06-2012 05-01-2013 208
    D 14-01-2013 03-10-2015 992
    C(again) 07-12-2015 22-09-2016 290

    Bank A and B have their own PF but the same was transferred to the Government PF on taking up a job with C.

    I withdrew my PF after working for 8 years and the same came to my account in February 2017 after deducting 10% TDS. I have claimed that amount under exempt income and claimed for the refund. Now my refund was not processed and recently I received a email from the Income tax department stating there is a mismatch of income from other sources. Please guide what to do.

  20. Pravesh Patel says:

    Hello Everyone,
    at EPFO portal, I can’t add PAN card details error shows is “Name against UAN does not match with the NAME in Income Tax Department
    ” so my question is it is compulsory to add PAN card to withdraw PF as my total amount is less than 25000. Does TDS deduct?

  21. Sam says:

    Hi I’ve not completed 5 years and due to emergency issues i have Requested for a PF Advance Claim for a amount of 100000 in the online portal.. Do i need to pay tax for this amount once it got transferred to my account. Please help me on this.


  22. J S PARMAR says:

    My son worked for 58 months from 2009 to 3024.he also worked in 2007 for 8 months.pF was deducted and credited to my account with EPF report. Two different accounts were maintained. Before withdrawal of PF the balance in earlier account was merged completing 5 years of service. After merging my son has withdrawn the entire amount in December 2017 but EPF DEPARTMENT has deducted TDS amounting to Rs32090.00 . Now advise me as to whether this withdrawn amount (PF +INTEREST FOR ENTIRE PERIOD)will form part of his income for the financial year 2017-18 OR SOME OTHER TREATMENT IS REQUIRED. THANKS J S PARMAR

  23. sandeep rathi says:

    :- If PF withdrawal is after 5 yrs of service and TDS deducted by EPFO due to whatsever reason then will such PF withdrawal will be exempt from tax or still taxable ??

  24. Ajay says:

    I have worked in a Pvt company about 1.5 years and resign ed. If I withdraw my pf amount which is more than 30k how much tax they will cut.
    Since I don’t have any job currently so my income for FY 17-18 would be almost nothing so is this amount tax free?

  25. Anjali says:

    I had withdrawn my PF before 5 years and TDS has been deducted on entire amount as the amount was more than 50000. Please advise which all component of PF are taxable (employee’s contribution, interest on employee’s contribution, employer’s contribution and interest on employer’s contribution)?

  26. Anand says:

    I worked in a company for 4 years. After leaving company, I withdrew the PF, I was not aware of tax deduction policy. Now I want to exempt that from tax deduction.
    The PF money is in my salary account, is there any way to save that from tax? can I transfer that from salary account to my current employers PF account?

    Please suggest other ways to save this PF money from tax deduction.

  27. Deepak Panjabi says:

    I worked in X company of 7 years and now i m working in Y company from 3 years
    Already applied for House purpose Pf withdrow
    Want to know that if amount is reflact in my account it is taxable income or not

  28. Ashwani gupta says:

    Sir I workEd in a school from july2014 to dec2017 .around two n half year.. Then I gave resign in dec2017 because of govt job…so i withdraw my pf money in the month of oct2018.i want to know three things… PF money is taxable or not?? can I know that tax is deducted of my pf money??
    3.usualy people says that pf department Firstly deduct the tax then release the remaining pf amount. Is this correct??

  29. Sagar Gupta says:

    I have rendered service in a private company for a period of 3years and 1 month. But I have withdrawn PF after 6yrs and 3 months from my first contribution.
    My joined in December 2010 and left the company in January 2014 and in April 2017, I have received my PF balance. But they have deducted tax @20%. Please advise me about how to get refund.

  30. Ranjan says:

    I was in a contract employment with a firm in India wherein the contract period was less than 5 years. Upon completion of my tenure of 4 years 9 months I was unemployed for more than 4 months during which I withdrew my PF contribution of 9.8 Lakhs on which a TDS of 10% was deducted by EPFO. Please clarify whether I am eligible for TDS refund and also let me know whether the remaining amount will appear as “tax exempted” income

  31. Nilotpal says:

    I have withdrawn my PF and pension fund during FY 16-17 and my PF account was 4.5 yrs old.
    I understand that employer contribution and interest accrual on employees and employer contribution are taxable.
    Also Employee contribution if computed during any tax year under 80C will have to be revised filed. in my case, I just included for 1 yr.
    My questions are:
    1. Do I need to file revise return for all preceding tax years by adjusting the income or can I show PF withdrawal money and interest as earnings in FY16-17?
    2. Is pension fund money taxable too?

  32. K M G SHARMA says:




  33. mani says:

    hi sir I am working in corporate company for four I need to take my PF due to my personal reasons. In net I found form 31 should be submitted my question is in that they are asking reason.. whether they will enquire on that. one more question whether I need to take sign from my company even I am taking my contribution only.

  34. Nayan says:

    Dear Sir,

    I am going to change my current job, I have completed 10 months in my current job with employer ‘A’ and worked for 3 yrs in previous job with employer ‘B’. While leaving previous job with employer B I had transfer accumulated PF to employer A so the total vintage of PF is 3 yrs & 10 month.

    As per my current employer’s policy I have to either withdraw or transfer my PF from company while leaving job and as per my new employer’s policy I will not have PF a/c there (they will paid me everything in monthly salary) so I do not have option to transfer the accumulated PF to new employer. Also I do not want to withdraw PF as it will attract Tax since the vintage of fund is less than 5yrs.

    In above situation please suggest a way out to save income tax on accumulated PF ( On one side I don’t have choice to transfer PF to new employer as I will not have PF a/c there and other side I have to withdraw PF from current employer as I am leaving company).

    Awaiting your reply. Thanks?

  35. Mandar Gajane says:

    My service was terminated by my ex employer without proper reason. The ceo just asked me to put the papers. I worked for 1 year 9 months with them. Now when I want to remove my epf accumulated the HR and Admin head is telling me that i will have to pay tds on the amount of epf. As per your note above, it seems that tds is exempeted for my case. Is it possible for you to share the income tax clause with me or the Income tax circular for same. This would be a great help for me, as im in a financial crisis right now.


    Sir I have completed 16 years service in private company. And I got VRS ,I want to close my PF account completely. There is TDS for that amount? 1 .15 lakes balance. Please reply me urgently required.

  37. Vinit says:

    I have worked in a partnership firm for 2.5 yrs as employee. After that last year they have made me partner in their firm due to which contribution towards EPF has stopped and I have withdrawn my EPF this year. Will this EPF amount be taxable or will it come under the condition of reasons beyond control of employee

  38. Aloke Das says:

    Sir, A peron worked in a company from 2006 and left in 2015. He withdrew PF accumulated balance of Rs.500,000/ the year 2015-16. Whether he has to pay incometax for the contribution 2011-12, 12-13,13-14 and 14-15 he withdrew

  39. Nitish says:

    Sir I worked in a company for 4 years and withdrew my PF after 5 years of membership. When i received my PF they had deducted 18000 Rs. Now I am jobless and not doing any job for continuous 1 year. Is there any way that i can get my 18000 back through ITR or something?

  40. NAVEEN GOEL says:

    I moved to SINGAPORE from India for good. IN 2013 , I have withdrawn my PF amount which is around Rs. 431366 INR in Financial Year 2015-16. But I got amoutn after deducting TDS @ 10% to my bank account. Can I claim refund of TDS in full amount ? if yes under what section ?

  41. Amit Kumar says:

    Hello sir,
    I left a job after 4 years and joined other. I requested for the pf withdrawal and i got my pf after 10% deduction of the same. For the current assessment year my salary income slab lies in 10% slab rate excluding pf withdrawn.
    Please guide me the correct way to file itr. Am i eligible of getting back part of my tds deducted after the deduction of correct tax amount out of it?


    I AM thankful to you for pf withdral details explained.can I ask that under what section of IT ACT , we can claim that employees share of pf to the extent not claimed earlier IS EXEMPT.This is required to refer in my it calculation which involves PF WITHDRAL befor five years.
    kindly guide me soon as i have to file it return now.

  43. Suresh says:

    I moved to USA from India for good. After 2 years, I have withdrawn my PF amount which is around 1.5 Lakh INR. But I have been levied around 20000 INR as tax and I got only 1.3 Lakh in to my bank account. Can I claim this 20000 INR in tax filing?

  44. Hrishikesh Kulkarni says:

    I withdraw my PF in 2015 and Tax was cut as per my past tax slab of 10% but now when i try to fill ITR that time its showing that i need to pay 20% considering my current tax slab

  45. Anonymous says:

    Do we have a answer was this question? I am having the same doubt. How do I recover the TDS on my EPF withdrawal? As my taxable income is less than minimum slab.

  46. Pramod Kumar says:

    Ihave worked in one organisation for 4 years, 10 month and 12 days (only 1 month 18 days less for completing 5 years), I had switched organization in Feb 2016,

    if i am withdrawing the PF after may 2016 whether it is taxable or not?

  47. Padmanabhan R says:

    I have completed 23 years of continues service in a private company. Now leaving the organisation and going to do my own business. Whether withdrawal from P F attract tax in coming years ? where I can deposit the amount to exempt from Income Tax ? kindly help me

  48. Prasath says:

    I left my first company after 4years 10 months, 2nd employment is for 1 year 7months and my present employment is 4years 6 months. I have resigned the job and going overseas… Is there any tax if I withdraw the PF?

  49. Kanka says:

    My employer was maintaining PF fund corpus, I left job after 4 years due to my husband’s overseas posting. Though I could have joined another organization, had I been in India, but due to my leaving the country and the employers refusal to keep the fund uptill five years my employer has deducted the tax. Is it legal on employer’s part?

  50. Swati Khira says:

    My father in law is retired from LIC Of India on 31-01-2011 , in 2014 LIC had given contractual agreement.which was going to terminate after two years of joining or completion of 65 years of age whichever is earlier. His service is terminated after completion of 65 years of age.that is after 22 months from joining. His resumption date is 20-01-2014 and his termination date is 11-01-2016. My point is whether income tax is deductable from his P.F. contribution with interest or LIC P.F. contribution with intetest or not.

  51. Venkata Ramanaiah N says:

    There is an online petition going against the unjustified
    EPF withdrawal rule. Please sign and share the below petition. In fact I
    have tweeted Srikanth Reddy also to share the petition details in his

    Sign it at change dot org why should we wait till 58 years to withdraw Employee Provident Fund

  52. Nimish Peter Pandey says:

    I thought it mentions that:
    “As per the provisions in the Income-tax Act, if the employee has rendered continuous service with his employer for five years or more, then the withdrawal of accumulated balance from such PF is not taxable at the time of termination.”
    “Only the contribution made by the employee is the part which is taxable (which implies that the contribution from the organisations end would not –> this simply means that half of the total PF withdrawal amount would be taxable)”

    So that makes me clear of doubts like:
    Do I get taxed on my PF amount if I serve the Organisation for 5 and a half year and then request the termination of my PF A/C? => NO
    What if I only serve for 4 years and 11 months? => YES (Dude of course! It’s called MATH)
    What about 1 year? => YES (BIG surprise)
    After I retire? => YES (Er.., do you want additional handling?! It’s pretty simple: if your service was more than 5 years and then you decide to retire, NO TAX DEAR!)

    However, there certainly are some things which are not yet so clear.., er.., like..,

    *Dude why on Earth is the “”PF”” amount TAXABLE?!! (first-of-all)
    *Is it not enough that you’ve increased the TAX amount already so high (on ‘everything’)??
    *{{post your question here}}…

  53. milesh bhange says:

    hi, i have worked in a private company for one year and left after now i am working in a company where i don’t have any epf facility. can i withdraw my one year pf amount from my previous company as per new rules?

  54. spark sood says:

    to evryone…only the interest portion is taxable @60%…also that interest will be tax emempted if amoutn invested in annuity pension scheme.

  55. Krishna says:

    Only the wealth accumulated post 2016 april 1st will be under these norms. They wont tax all the money accumulated untill that date. Thats what I understood from an article.

  56. Janaki says:

    I had worked in an organization form July 2010 to August 2013. Then I have taken break for almost 2 yrs. I rejoined in another firm on 2015.

    I have not withdrawn the PF from my previous company. If I withdraw PF now, will that be taxable?
    Please reply.

  57. sandeep says:

    Sir m working in hotel and its been more than 4 years and i will be completing 5yers by june this year i need to withdraw some amount from my pf account which is around 15000 only do i hve to pay tax on it as m not withdrawing the whole amount . Plz reply as i will wait for your precious reply . Thank you

  58. Srithi Baid says:

    Hi, I have worked in a private organization from from Oct, 2012 to May, 2015 and have taken break till January, 2016 and joined a new organization in January, 2016. Can I still transfer my pf account and will my pf amount can be tax exemptable still?

  59. Shubham Pandey says:

    I had worked for a Central Govt. PSU for 1.5 years. Now I have switched to Central Government job where there is no PF since employees joining after 2004 are contributing in NPS. So I cant get it transferred here. Also, I have not completed 5 years of continuous service. Will I have to pay tax if I withdraw it or it may be exempt under the clause of reasons beyond the control of employees. Please reply.

  60. K S says:


    I have been emplyeed with an organisation from April 2011 now I have resigned and I will be relived by march 2016. In this case If I transfer the funds to PF account with new employer and withdraw it in May 2016 (Since 5 years completed with 1st employer). Will it be possible and not taxable on my part.

  61. Hussain says:


    I want to WITHDRAW my 8 Years PF amount as I am unemployed from 2 months.
    If I raise withdraw request, then will I get 100% of PF amount OR only 75% now and 25% later after 58 year???

    News as on July 2015: Government plans to cap premature withdrawal of PF money at 75% of total amount
    Is the above rule is in implementation??

    On withdraw request, Now will we get 100% of PF amount or only 75%???


  62. Nailesh Soni says:

    Dear Sir,

    I am doing job since 2.6 yrs in this company but i need money so i will withdraw my PF balance or not??

    Please guide me…



  63. balaji says:

    Our company maintained PF in trust since inception (2006-2011 June). From July 2011 the amount was transferred to EPFO and thereafter It got deposited with EPFO only.
    I have completed 9 yrs service in the same company and still continuing. Now I want to withdraw amount from EPFO for purchasing of house (based on the rule that I have completed 5 yrs of continued service). When enquired in EPFO by personally visiting the officer, he said I can apply as I have completed 5 yrs.

    But my company HR gave an info that we can withdraw only after 5 yrs of completion from the month of transfer to the EPFO , i.e – from July 2011 – July 2016.
    The EPFO officer who is so much experienced also didn’t say about this when we told him that it was earlier under trust and now with EPFO

    Is this true? Pls guide with the facts.

    U can drop your reply to my email

    Thanks in advance

  64. Don says:


    I completed my service at a firm in India on Sep 1st 2015, after completing almost 4.5 years of service. I complete 5 years in Apr 2016.

    I have now moved outside the country and gainfully employed.

    Should I wait to complete 5 years ie make a claim on the PF post April 2016 to avoid taxation?

    No additional employer contribution will be made in India, however I would have completed 5 yrs of money with PF accounts.

    Kindly advise

  65. jitendrasingh says:

    i have worked in one organisation for 4 years, 11 month and 20 days (only 10 days less for completing 5 years)

    if i am withdrawing the PF whether it is taxable or not?

    If taxable how much taxable ?


  66. srinivasan says:

    Dear Sir,
    I have worked in one org for 5yrs and 3 months and after one year i have transferred to other organization, Can i now withdraw for purchasing a plot or construction purpose.

    Kindly advise..


  67. TRIPTI says:

    Whether GPF contribution made by Government employees is eligible for deduction while calculating Income tax? If yes, whether any terms and conditions are there?

  68. REKHA MOHANTY says:

    I left the job in Aug 16th 2015 and it will be 5 years in Nov 15th .can I wait till 15th Nov and withdraw my EPF amount so that it will be tax free.Please advice.


  69. M. R. CHOUDHURY says:


    I am working in a institution above 33 years. My query is if i am withdraw rupees three lakhs from my PF account whether it is taxable or not?


  70. Shiva says:

    I have company PF and SA accumulated for about 12years with the company in india and then I was transferred abroad and become localized employee of the company with local salary. I am not contributing nor employee is contributing. My PF and SA is still in company’s PF. Since I am NRI with no income in India, I am not filing any tax return in India. If I withdraw PF and SA in India will I have to file tax return in India. My company confirmed that they will not do any TDS.

  71. leo says:

    I resigned my job on 2014 nov. from previous company (total service is 4.5 years only).

    In my PF, ECPF, and VPF (voluntary provident fund)all accoumulated around 7 Lakhs (i saved more money in vpf).

    Now i approached for PF final settlement to my previous company. but they asking form 15G. upto 2015 march, i paid tax for the account transaction from (April 2014 to 2015 march

    Two month back i joined in abroad. so as a NRI holder cannot get form 15G.

    In my case how much tax they will detect, Detection will be on full final settlement amount or only in interest? or only in PF and ECPF?

    IS there tax detectionj on VPF amount also?

    That final whole detected tax amount can i refund from IT department? how much % in tax for 7Lakhs?

  72. Suman Chakraborty says:

    I’m a school teacher in a govt aided school in West Bengal. I joined my job on 23.08.11. But my head of the institution started my GPF from March of 2013. Due to his ignorance, he insisted that it should be started in the new financial year 2013 not in September 2012. What kind problems may occur due to this and how can this be resolved.Please help.

  73. Anonymous says:

    Is PF withdrawal double table.

    I have served in X company from Aug2010 to Mar2014, and then while moving to the new company I have opted for PF withdrawal. Then I joined new company April 2015.
    I have got the PF settlement from my previous company tax deducted as below in August 2015

    Income tax payable for FY 2009 – 2010 —————> 0
    Income tax payable for FY 2010 – 2011 —————> 3892.00
    Income tax payable for FY 2011 – 2012 —————> 5678.00
    Income tax payable for FY 2012 – 2013 —————> 6405.00
    Income tax payable for FY 2013 – 2014 —————> 7296.00
    Total————-> 23271.00

    And now when I am filing my IT returns for FY 2014 – 2015, Should I again add the PF settlement to my current Taxable salary? If so I will be paying income tax for same money 2 times. Point to be noted here is the Tax has been already deducted for PF settlement amount.

    Some of the people suggested that I have to include the complete PF settlement amount and pay the tax with respect to tax slab.

    In my earlier company I was in 10%(2.5 to 5lakhs) slab

    Now I am in 20%(5 to 10lakhs) slab, so adding my PF settlement amount is taking me into 30% slab, and the tax payable is coming to 63,000.

    If this is true then the below is the my statement reg it.
    I have withdrawn PF settlement of 262324, and tax payed by previous employer is 23271 and got a cheque of 239053, not I include it my IT returns it says I have to pay 63000 more tax.

    So on withdrawal of 262324, I am going to pay 23271 + 63000 = 86271.
    More than 30%.

    Can anyone solve this?

  74. ravi manocha says:

    Dear Writer

    I have withdrawn one of my PF amount from my 2004 PF account which is not linked to my current account. This PF was active from 2004 to 2005.

    My employer has deducted the TDS @ 10%. I have to file my ITR now. I want to know do i need to take the PF amount under salaries, if yes it will be further taxable for balance 20% (as per my Tax slabs), if not then I am getting the refund of 10% TDS deducted.

    Please advise.


  75. SATISH says:


  76. SATISH says:


  77. Guru says:

    I have received the PF amount in 2015 april for my previous employment period 2013 ~ 2014. In 2013 end I switched company and for the financial year 2014 ~ 2015 I have settled the tax for income. But when I tried to efile the returns I was able to find the previous pf amount being shown as an income and also the tax deducted from source for it. I also received the form16 document from my previous employer for the pf amount and the tax had already been deducted and credited the remaining account. Now I need to know if I need to include this pf amount into my income for 2014 ~ 2015 and pay the difference. But the difference amount is huge.

  78. SARADA MOHANTY says:

    I left my job where i was EPF, i worked there for 2 years. Again i joined a new organisation within 15 days where CPF is applicable. Can i transfer my all EPF balance to CPF Account ? If No then is it attract tds while withdrawing epf balance money as i left job before 5 years? what is the procedure for withdrawl of epf money?

    Waiting for your valuable advice.
    its very urgent.

  79. Dikshit says:

    I had withdraw ed my PF from previous company ( where i worked for 2 years). They had already deducted 10% as TDS from the total amount. Do i still need to add the amount that i received under my taxable income from my current company as the earlier company had already deducted the TDS

  80. dhana says:

    I was working with an organisation for three and half years .Three months back I got no know that I am pregnant and it is a critical one.So have to leave the job.
    Now if I wants to withdraw the PF amount ,it will be taxable? Or it will be considered as ill health ? Do I need to give any proofs for this?

  81. P S Padhee says:

    Hi. I have been working with my present company for 2 years. Prior to this, I had 4 years of work experience. The old PF is yet to be transferred to my new company’s PF account. I want to withdraw my PF(the old account by definition has completed 5 years in operation). I have the following queries:
    1. Is withdrawal from old account while I am still working legal
    2. If no, then can I transfer the same to existing company, and then withdraw citing the reason(in my case, buying a house)

  82. Dave says:


    I have worked at an academic institute for about 3 years and changed the job. My previous employer had CPF whereas my new employer follows New Pension Scheme. Is is possible to transfer my PF money to NPS as it is or I need to withdraw the amount and have to pay tax. Further, I am having my PPF account so is it possible to transfer CPF money to PPF? Please advise.


  83. Dipeshwar says:

    I transferred my PF account from Employer 1 to Employer 2 when I moved companies. I had worked at Employer 1 for two years and at Employer 2 for four years. When issuing a cheque for my PF withdrawal request, Employer 2 erroneously deducted tax, since they forgot to check that the account had been funded for more than 5 years. Now, they are asking me to claim the excess tax in my return.

    The problem is that I do not reside in India, do not have any income here and hence, do not file a tax return. What other options are available to me? Is the company liable in this case to give me the tax amount, since they made the mistake? Please advise. Thank you.

  84. ramadevi says:

    If a person renders service for 4 years and 6 months; but does not withdraw the PF immediatley; he withdraws after another one year (total time in PF 5 years and 6 months), will such withdrawl be taxable (as he is withdrawing after 5 years)?

    If yes, Will it be taxable if he withdraws after attaining 60 years age, which is another 6 years away.

  85. manish ranjan says:

    dear sir

    i have left the company(psu) after 2 year of working i withdrawn the pf of my service 2012-2014. is this amount taxable i this financial year 2015-16

  86. kakoli says:

    I have been working in an autonomous state govt organisation in contractual mode , which was for 5 years. But the authority terminates me after completion of 4 years . I want to withdraw my PF. Do I need signature of the higher authority for withdrawal of my PF or with my termination letter , can I apply in PF department for complete withdrawal of my money?.


  87. Lavanya says:

    I resigned from Axis Bank and getting relieved in 10 days. I have total service of 4yrs 8months. I applied for PF withdrawl.
    As m service is less than 5 yrs, PF amt is subject to TDS.
    As Im not taking any job, im eligible to submit 15G.
    My doubt is to whom I have to submit 15G?
    When I enquired with our bank PF Trust,they saying we have a separate Trust for PF, so you can not submit 15G.

    Kindly clarify and help me how to avoid TDS on PF

  88. Anish Chacko says:


    I worked for 3 yrs in an MNC and joined another company at which I worked for 4 years and 6 months now. I had done by PF transfer from my first company to the one which I am working at present.
    So altogether I worked for 7 years and 6 months without withdrawal of PF amount.

    If I resign from the present company and apply for PF withdrawal, will I be taxed ?
    Please let me know.

  89. Vinay satpute says:

    Dear Sir
    I am resign from my previous co on 15 march 2015 & fill Pf withdraw form on same date
    At that time this rule is not enforce
    I am not received my pf amount till date
    It may be received in next mont, Is they deduct Tds on my pf amount

  90. Umair Malik says:


    I have worked in a central PSU for 4 years 11 months and 03 days to join another central PSU. I have not withdrawn the PF till date which make my PF account more than 5 years. If, I withdraw my PF now, the amount will be taxable or not. Kindly help.

  91. Sanjay says:

    Dear Sir, I worked for an MNC organization for for yrs. after leaving my job I did not applied for my PF withdrawal and left my PF account dormant for 1 year so that it could complete 5 yrs.Now It has completed 5 yrs (4 yrs job + 1 year dormant). My question is if I withdraw my PF tax will be deducted or it will be tax free as I’m withdrawing after fiver yrs of pf subscription date.

  92. Abraham Kurien says:

    I joined a private company 4 months after retiring at the age of 60 years from my PSU employer.The appointment was “will retire from the services of the company on completion of 65 years ” and accordingly PF was deducted along with the equal contribution from the company deposited in my account.I will therefore retire from the services of the company after completing only 4 years and 8 months in service (less than 5years). My queries are as follows
    (1)Will TDS be deductible on receipt of payment from PF and will I have to pay income tax on this amount ? (2)Can I leave it in the PF account and seek refund after completing 5 years only to circumvent the relavant tax rules.?

  93. Raman Vig says:

    Dear Sir,

    After a service of 4 years and i have withdrawn all the PF balance and left the job for higher studies. Withdrawal PF is taxed at the @ of 10 % as a TDS. I have total take home salary including PF is 4 Lacs in FY 15, Can i claim refund of TAX while filing the return.

    Raman vig

  94. Suresh Bangera says:

    Hi Sir,

    I have worked with a company for 4 years and 4 months from Jul-2010 To Oct-2014, now I am working for another company where I am not deducting my EPF. I am in need of money for medical treatment of my mother. If I submit my EPF withdrawal form in the month of Aug-2015 will it be taxable & TDS on same is applicable or not ?.

    Waiting for your advise,

    Thank you,
    – See more at:

  95. DALJIT SINGH says:

    Respected Sir,

    I am working in a private organization and both employer’s as well as employee’s share gets deducted from my CTC. Duration of service rendered is two years. Now there are two scenarios :

    First, if due to some reasons if company asks me to resign and then if I surrender my p/f, would it be taxable and how much ?

    In second scenario, if I resign on the grounds to start my own business and then surrender my p/f, would it be taxable and how much ?

    Waiting for your reply which can also be sent directly to my email id which is

    Warm regards,


  96. Arjun says:

    I worked for 28 months with the first company and 15 months with the second company. I got the balance accumulated in the PF account of the first company transferred to the second company’s account. Now though I have joined the Govt. of India and have been working there for 30 months. If I want to withdraw my PF money would tax be deducted.

  97. Darshan says:

    Hi Sir,

    I have worked with a company for almost 3 years and 9 months, now I am planning for my higher studies and hence I cannot contribute for the EPF now on. So as per the rules if I withdraw my PF before 5 years of continues work TDS is applicable but my question is, can I continue my PF account for the rest 1.3 years without paying the PF amount every month and withdraw the balance amount once 5 years is reached so that TDS will not be applied??

    Waiting for your advise,

    Thank you,

  98. PARAG says:


    I am working in a company from 2007 onwards. I want to withdraw PF for my marriage. Can I do so and what is the procedure for that? Also what will be the taxability of such removal?

  99. Narayanan Kutty says:


    I have completed 5 yrs of continuous service but my PF subscription commenced from the succeeding month of joining. For eg I joined 15 jun and subscription commenced from Jul. Would the period be computed from date of joining or from subscription month for calculating 5 yrs?


  100. pinky says:

    I worked with an organization july 2011 to sept 2014.since i have not withdraw my PF and its almost 3 years 3 months. if i withdraw my PF now TDS will deduct or not.or if i withdraw my pf after july 2016 than also TDS will applicable. pls suggest me so that i can withraw my pf amount as early as possible.

  101. SIVAKUMAR says:

    I have worked in company for 2years after that i have resigned and i have applied pf withdraw on march 2015. I got pf amount 30149/- only .
    But as per employee and employer 780+780 deducted for 22 months.and 2 months 1210+1210 deducted as per new pf circular.
    So i suppose to get 39000/- But i got 30149/-
    I want clarity at wt type of deductions done.


  102. Anju says:


    I worked at a company for 3 years (2008-2011) and then changed. I withdrew my PF in 2014 December which was 6 years after the PF account was created. Does this attract income tax? And how much do I have to pay as tax?


  103. Bhadran says:

    i worked in a PSU for 4 years and seven months . . Now i changed my job and joined in Government Service where there is GPF . i am planning to close my EPF account since there is no provision to transfer the amount to GPF . If i close my EPF account after 5 years , is the amount taxable ?.

  104. vikas says:

    I worked with an organization march 2011 to Nov 2013.since i have not withdraw my PF and its almost 4 years 4 months. if i withdraw my PF now TDS will deduct or not.or i i withdraw my pf after march 2016 than also TDS will applicable.

  105. pooran negi says:

    pls need your sugggstion
    i worked my last company 2006-2007
    i not still not withrow pf amount
    but one year befor when when i apply for pf they i not get it
    at pf site when i check it its status not showing.
    what shoud i do.

  106. M.R.SHRIVATHSA says:

    Dear Sir,

    I have worked in a company for 17 years and resigned in the year 2006.Now, I am getting some pension from my old PF Account.

    After a gap of 4 years, I have again joined my old company with a new PF Account Number and worked for 4 years and 3 months (Less than 5 years) and resigned.

    Please clarify whether now I can claim the full balance standing in my new PF Account without any connection with pension I am getting from my Old PF account.

    Please reply immediately with case laws in this regard if any since the matter is VERY VERY URGENT.

    Hope you wil do the needful.

    Thanks with regards


  107. Ratan Mani says:

    If I left my service after completion of 4 Year of service and I withdraw my PF after 1.5 Year of left service (total Period from joining the service to Withdrawal of PF is 5.5Years)in this case the PF will be Taxable or Tax Free.
    Please clarify me.

  108. manu says:

    I have a question?
    I am working for an x company and after 9 months i was on bench(loss of pay). after 1 year i am changing company(got job). does this lop has any effect on my PF as well as my experience letter. could you clarify this?

  109. Jagadeesh says:

    I work for a company for 26 months and then moved to a new employer who happen to be Wipro. I came to know that Wipro EPF is not maintained by Government EPF organization, instead it is operated by their own trust. Also, I came to know that transfers from Government EPF to Wipro EPF would be painful and has to go through lots of delays and document obligations. Is this true? Is withdrawal is the best option for me?

  110. Sumit says:

    I have a quick Qs.

    1. Is adhar number needed for any PF withdrawals?
    2. I have to withdraw PF’s from my previous employers whom I have left in 2005-2008, 2008-2010 & 2010-2013. Can you help me relaying the correct procedure please.

    Best regards,

  111. sachin says:


    Please help me with this query.I was working with a company for three years and ten months.Now I have filed a request to withdraw my PF.Can you plae explain how much of tax will be deducted and from where I will get details about the amount deducted.

  112. Surya says:

    Dear Anjali,
    Tell your company HR to attach correction in name letter on company letter head and mention the names in the company record,Pf record and bank record and correction in name should be as per your bank records.

  113. Anjali says:

    I was working with a company 3 years 3 months & then i left the company. i filled the form to withrawal my PF .since from 1 yrs i didn’t received my pf. & contentiously getting the same online status.

    STATUS for Member ID: KRKCH00218900000000434

    Claim ID : KRKCH150200012893
    Status : Claim Form 10C for Withdrawal Benefit AGAINST Member Account No (KRKCH00218900000000434) has been rejected. Rejection letter is under dispatch/ dispatched to address in your claim.

    Claim ID : KRKCH150200012900
    Status : Claim Form 19 for PF Settlement AGAINST Member Account No (KRKCH00218900000000434) has been rejected. Rejection letter is under dispatch/ dispatched to address in your claim form.

    Reason of rejection: The reason of rejection is not available in database. You may please contact RO/SRO KOCHI for further details

    * * Data available since last six months. * *
    * * KOCHI data availaible from 11-11-2014. Last updated on 11-05-2015 at 08:31 am * *
    * * Approval Details on PPO and Scheme Certificates will be made available soon.. * *

    i spoke with my company HR and she asked me to send my 10th markehseet , as she has made mistake on my name and thats the reason its got rejected. i have already sent one months back. could you help me to understand when i will received my Pf. please help me

    Thank you

  114. Bhiutras Meher says:


    Can any one help me to understand this below transaction online PF transfer status.
    And how much time it still take to transfer this transfer amount.

    I got the message from EPFO on 03/09/2014 saying that:-
    “Member ID: DSNHP00174920000006780-112 PF Claim ID: NHP140750001400 Settled Amount: Rs XXXXX.00 Sent to A/c No.: 30100649549 (IFSC Code SBIN0001122)-EPFO”

    Sr No Member Name Previous Account No. Current Account Status of Claim Employer Printable Form 13
    1 BHIUTRAS MEHER DSNHP00174920000006780 WBCAL00403940000000600 02 July 2014 Claim Form Submitted .
    17 July 2014 Claim Form Approved by Previous Employer .
    Current Status :Your request is In Transit between EPFO Out and In Office. Details

    When it will be credited to my PF account.

    Thanks in advance.

  115. Bhaskar Iyer says:

    i have resigned by job in January and iam expecting my settlement
    whether I will get both my pf and epf settlement, if yes when I will get the same

  116. Brajesh Pandey says:


    It is almost 3 years and 6 months Since I left my exempolyer now I want to withdrow my PF amount.
    Kindly suggest how can I proceed?

    Kind regards,

  117. Shradha says:

    Hi, I have completed 5years as PF member(with two organizations), but due to some reason the PF from my first organization was not transferred to my second organization and when I withdrew the PF from my First organization tax has been deducted, can you please suggest how can I claim it!

  118. Srinivasan says:

    I have completed my 60 years on 16th Arpil of this year. Employer wants me to contiune for few months. I have completed only 4 years and I dont think I will be able to contiune for one more year due to personal committments plus due to health condition. Unfortunately cluse 41 of the finance bill wants the trustee of PF to deduct TDS if 5 years are not completed plus the specific case DOES NOT FALL UNDER RULE 8A OF SCHEDULE IVA. Rule 8 A exempts if the discountenance, is due to circumstances beyond the control of employee. Retirement due to completion of 60 years will tantamount to circumstances beyond the control of the employee and exempt under Rule 8A?

    Note On Relevant Clauses of Finance Bill 2015
    Clause 41 of the Bill seeks to insert a new section 192A in the Income-tax Act relating to payment of accumulated balance due to an employee.
    It is proposed to insert a new section 192A so as to provide that notwithstanding anything contained in any other provisions of this Act, the trustees of the Employees’ Provident Fund Scheme, 1952 framed under section 5 of the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952, or any person authorised under the scheme to make payment of accumulated balance due to employees, shall, in a case where the accumulated balance due to an employee participating in a recognised provident fund is includible in his total income owing to the provisions of rule 8 of Part A of the Fourth Schedule not being applicable, at the time of payment of accumulated balance due to the employee, deduct income-tax thereon at the rate of ten per cent.
    It is further proposed to provide that no deduction under the aforesaid section shall be made where the amount of such payment or, as the case may be, the aggregate amount of such payment to the payee is less than thirty thousand rupees.
    It is further proposed to provide that any person entitled to receive any amount on which tax is deductible under this section shall furnish his Permanent Account Number to the person responsible for deducting such tax, failing which tax shall be deducted at the maximum marginal rate.
    This amendment will take effect from 1st June, 2015.
    Clause 49 of the Bill seeks to amend section 197A of the Income-tax Act relating to no deduction to be made in certain cases.
    The existing provisions contained in sub-sections (1A) and (1C) of the aforesaid section provide that no deduction of tax shall be made under the sections referred to in the said sub-sections in the case of a person specified therein, if such person furnishesto the persons responsible for paying any income of the nature referred to in specified sections, a declaration in writing in duplicate in the prescribed form and verified in the prescribed manner to the effect that the tax on his estimated total income of the previous year in which such income is to be included in computing his total income will be nil.
    It is proposed to amend the sub-section (1A) and sub-section (1C) of the said section so as to give the reference of section 192A and section 194DA also in the said sub-sections.
    These amendments will take effect from 1st June, 2015.

    Exclusion from total income of accumulated balance
    8. The accumulated balance due and becoming payable to an employee participating in a recognised provident fund shall be excluded from the computation of his total income—
    (i) if he has rendered continuous service with his employer for a period of five years or more, or
    (ii) if, though he has not rendered such continuous service,
    the service has been terminated by reason of the employee’s ill-health, or by the contraction or discontinuance of the employer’s business or other cause beyond the control of the employee.
    Retirement is supposed to come under the head “other cause beyond the control of employee”

  119. vishal says:


    i will be completing my 3 years o service in May 2015 and i wish to withdraw my EPF balance as will be contuining iwth my education. will my balance be taxed?

  120. KAVAL MALHOTRA says:

    I have completed 13 years as contnuous service span in PF Trust.Now,I would like to take non-refundable loan from the PF trust for purchase of a house.Please clarify wheather this amount is taxable?

  121. Vinoth says:

    Hi Sir,

    I worked in Private limited company from 2010 to 2013 in this period they deduct the PF every month on my salary. Now i am decided to withdraw my PF amount.

    But i having a problem they not sign withdraw form. i asked them more time there is response.

    What Can i do now ?
    there is any possibilities to withdraw my PF amount without Employer signature.

    Kindly help me that amount will help to my family.

    Please do the needful.

  122. varun says:

    hi – i have been contributing the PF to a trust since 2004 – 2008 and then i moved outside india on secondment and continue to contribute the PF till 2012, i am still working outside India but my secondment is over. Want to understand if i withdraw my PF today, will it be taxable?

  123. Samuel says:


    I worked for an organization for 4 yrs and 10 months 20 days suddenly they terminated me saying restructuring their organization.I have an idea for withdrawing my PF amount.I am not going to work further.


    now they are telling that they will deduct 30% amount as it correct for just 40 days that too they sent me out and deducting 30% of my amount wht i have to do

  124. Arvind says:

    I have resigned my job 3 months ago. When I asked my ex-employer for PF withdrawal, they are saying once UAN is alloted PF withdrawals cannot be made. Please let me know if I can withdraw or not? Thanks in advance.

  125. nikhil says:

    Dear Sir,

    My am into new employment wherein company is not deducting any amount for PF.
    In my old organisation, PF was deducted wherein my service was for more than 5 years. My question to you is:-
    1. If I withdraw this amount will it be taxable?
    2. If I do not withdraw this amount for certain number of years what will be the outcome?
    3. If I withdraw this money after 5 years and during this period there is no existence of my previous employer what will be the outcome since I came to know that on withdrawl slip a signature is required of employer?
    4. From the PF amount deducted, certain amount goes into PF and balance into pension scheme. What will be the outcome from taxable / non taxable point of view?

    You reply will be eagerly awaited.



  126. Anuj says:

    One of my client who is expat comes to india on secondment in 2009 and PF is deducted in india from his salary but in june 2013 due to DTAA, PF is not deducted from his salary.

    Now, he withdraw such sum from his PF account.

    My ques is whether the withdrawl is taxable or not.

  127. AD says:

    suppose if the new employer does nor maintain PF Account & the employee has joined the new organisation and the employee has worked for less than five years in his old organisation.

    Does is he liable to be taxed even though he does not wish to withdraw amount from his PF Account and he continues to render service to his employer of more than 5 years. Afterwards he wants to withdraw the money from his PF Account so will he liable to get taxed????

  128. bharat prakash mishra says:

    I worked in an organization till four months and after that left.
    My P.F amount was being deducted from my payment for that working period.
    So please conform me that Can I claim to take my amount refund.
    Please suggest me.
    Awaiting for your reply.
    Bharat Prakash.

  129. sumit says:

    i have worked 29 dec 2009 to 26 march 2012 in a company and pf contribution from jan 2010 to apr 2012 and leave the job and join in other company on 12 apr 2012 and leave the job on 30 nov 2014. the pf contribuion for this company from may 2012 to dec 2014. Last company pf will be transfered in latest pf i withdrowl my pf from PF departement.they donot deduct any tds from this pf amount .can u tell me that this PF amount will be taxable or not

  130. prabhu says:


    i am working in private firm and now i am joining a new firm

    i amcompleting 3 years with my current job

    what will be the tax didcuted if i withdraw my pf and also pls confirm me w

    will it be taxeble i i dont trnasfer and keep my pf pending

  131. Andy says:

    Dear Sir,

    I worked less than 5 years and now my current status is that i am a non resident indian , i just left my employer and am unemployed . I am withdrawing my providend fund from my previous employer but they want to deduct TDS due to tenure less than 5 years. However, i am in Canada and there is a tax treaty between india and Canada specially in case of non resident . Please advise under what clause of the income tax act can i point to them for no tax deduction. Also if tds is unavoidable can u p,s advise which slab i should be considered.


  132. Jaffar Sadik says:

    Hello Sir,

    I was salary employed in IT company and worked for 3.5 yrs resigned and joined in another IT organization. I didn’t transferred my EPF to current organization still with old company and about to complete 5yrs. I would like to go for withdrwal my EPF, so is it taxable? How I can get avoid taxable?


  133. Nirmal Kaur says:

    Hi Sir,
    I have resigned from my previous job after 9 years, 11 months, at that time i have submit my epf share, It was contratual job. Now I have joined new govt. job. Can i collect full amount of my account of that 9 year, 11months period.

  134. Prav says:

    Hello Team,
    I have completed 6.5 yrs of service and now self employed. I have resigned in 2013. Wish to withdraw settle my EPFO account. I am located in pune where my epf is of KA.. I neex to clarify few doubts;
    1. Do I fill only the form 19 and attest it from my previous employer or from designated official. Will I get full amount after settlement.
    2. Waiting period is already over for me as I left job in 2013. But it is still way before my account gets inoperative.
    3. Can I send the above form and cancelled cheque and what other doc to concerned office. Will it be fine to send via indian post registered AD.
    4. How long will it take for refund..


  135. Shailesh kumar says:

    I worked in privet company for 2 years 9 month. my pf amount was collect in pf trust of company. now i had withdraw my pf amount today but there is deduction of tds @ 20%. my question is how to get refund of this tds amount.

  136. Mayank says:

    I have worked in an organization for 3 years joined as a fresher and after that I joined new organization but neither i have transferred or withdraw my PF yet. Now I want to withdraw this previous PF( whish is a company’s PF Trust), as overall I have completed 5+ yrs but only 3 yrs with the previous company ,so would it still be taxable( since i have not continued 5 yrs with the same organisation though completed overall 5 yrs with 2 different organization)
    Please respond.

    Mayank K

  137. Rajesh J says:

    I have worked in an organization for 4 years and 4 months. I know as per rule if I withdraw my PF it will be taxable as I have not completed 5 years. However, if I withdraw after a year or so, would it still be taxable.

    Please respond.

    Rajesh J

  138. Ajay Gupta says:

    I worked in a company for 7 years. After that I resigned that company and joined Govt. organisation on contract basis but on contract basis no P.f. deducted.
    I have neither withdrawn nor transferred our P.f. amount till date.

    Now i want to know can we deposit P.f amount regularly on existing P.f.account no.

  139. Soumyo Chatterjee says:

    I work in a private institution. My EPF account is more than seven years old. Recently I have withdrawn some amount from my EPF account for marriage of my brother. I want to know whether the amount is taxable or not?

  140. Amit Kumar says:

    Hi Sir,

    I have worked in an organization for 4 years and 4 months. I know as per rule if I withdraw my PF it will be taxable as I have not completed 5 years. However, if I withdraw after a year or so, would it still be taxable.

    Please respond.


  141. Swapnil says:

    I have just left one company and joined another.
    I served four and half years in previous company.
    I want to withdraw my PF, please advise when I should do it.
    Should i withdraw now or after completing 5 years, so that TDS is not deducted?

  142. Vivek says:

    I am currently working and making voluntary contributions to my EPF accoount which I claim for tax exemption. Now if I leave my job before 5 years and do not take up any other job for some reason, say higher education, will the withdrawal I make be subject to tax deduction. Kindly reply as it as an urgent situation. Thanks,

  143. ahmad says:

    I have resigned from my company and at the same time I owe the company leased car and have taken some of general purpose advance as well. Can I adjust PF I mean what ever I owe to company is the adjustment possible? Need advice on the same?

  144. Devender Kumar says:


    I have submitted the PF withdrawal application.
    on checking out the status i get this

    Claim ID : PUPUN141xxxxxx

    Claim ID : PUPUN14100xxxxx
    Status : Claim Form 10C for Withdrawal Benefit AGAINST Member Account No (PUPUN003422400000xxxxx) has been approved. Payment is under process.

    Now is there i am expecting 2 payments?
    one for Form 19 and one for 10C for Pension funds?

  145. Muthu Kumaran . J says:

    Sir ,

    I worked with private BPO company for 37 months . My contribution to my pf account is 550 pm . After two months from my retirement from that company i have applied for my pf withdraw as i need money for my family member hospitalisation .

    Once i have applied i recieved a email from my corporate team that as i didnt complete 5 years service they will deduct TDS from my pf amount . Because of my family suituation i confirm that still i have to withdraw my pf .

    Once i confirm through my email i have recied only 5700 as my PF settlement . As per my knowledge 550*36= 19800 . I dont know how much they deducted as TDS . And also i dont know my employer have contributed for me or not .

    Iam not satisfied with the amount which i recieved and still i didnt take even single paise from my bank account .

    Can you please clarify me regarding TDS deduction .
    And how can i came to know that my employer has been contributed for me or not .

    Thanks in Advance .
    Muthu Kumaran.J

  146. manjula says:

    my neighbor work in one concern for 4 month they detected pf amount he actually work 4 years before is it he is eligible to calm the PF amount. he dont know the pf number also.

  147. Santosh says:

    Dear Sir
    I worked for less than five years, but I have withdrawn the PF after 5 years of my service. My employer deducted tax at source showing Salary. Is it Correct? What shall I do? Can the tax be refunded back? Under which section will I claim exemption. Expecting a quick replay.
    Thanks & Regards.

  148. Manish says:

    I left my previous job in Aug 2010. I neither transferred nor withdraw the PF. Now If I withdraw my PF , will I have to pay income tax.

  149. Mayank Bhargava says:

    I left my previous job in May 2010. I neither transfered nor withdraw the PF. If I withdraw my PF after May 2015, will I have to pay income tax.

    Thanks in advance for helping

  150. Happy says:

    Is there a provision which exempts PF withdrawal from Tax if a person leave the employment before completion of 5 yrs but after that remains unemployed for a period of 1 year or more.

    Also, what if someone does not complete 5 yrs of service with an employer but withdraws PF 5 years after the PF account was first opened? So someone completes say 3 years of service and then for the next 2 years he does not withdraw his PF and then after the five years are over then he withdraws the amount. What happens then? I think such withdrawal is taxable since the IT Act specifically mentions completion of 5 years of continuous service and it is of no relevance that the withdrawal was done from the account after 5 years from when the account was opened. Please clarify.

  151. AnExpat says:

    I worked for 4 years in India and now I have moved to United States from last 6 months.
    I have withdrawn my PF and I dont think any TDS is deducted.

    I want to know do I need to pay any tax on this PF amount?

  152. Rahul Bhagat says:

    Hi…I have been working in various companies since Apr 2005. On every occassion of changing my job, I had got my PF transferred. I am now with HDFC Bank for the last 2 years. I have not gotten my earlier PF transferred to this organisation. I am now thinking of quitting my job and start something of my own. I will be resigning in the next one week.
    Request you to please guide me with the following:

    1. Should I withdraw the PF that is lying with my previous employer or should I get it transferred. I believe, transfer would take 2-3 months. I might have left HDFC by then.

    2. In case I withdraw PF from my previous organisation, would TDS get deducted from it?

    Request you to please revert at the earliest.

  153. nitish sharma says:

    I worked in a private firm for nearly 2 years & firm had own private trust for PF.
    I joined another company which did not have private PF trust.The company has deducted TDS from PF amount 3 months back ,I would appreciate if you pl suggest ,can I deposite the full amount of Previous PF & can TDS be refunded tom by the company or I.Tax deptt If I furnish full detail in my I.Tax return ?

  154. ParsiMan says:

    Hello, I worked in India at an employer for 1 year 7 months during which I was paying into the Provident fund. I then moved overseas. I have been overseas for 6 years and now I have withdrawn my PF. The PF office has not deducted TDS. I would like to know if I need to pay any tax on my PF withdrawal for this year in which I have withdrawn, or is that that migration overseas is a reason for tax exemption?

  155. Jayendra Chaturvedi says:

    An employee is employed post his retirement at age of 62 years on a contract for 3 years ,he received his pf as a result that contract is over ,is this pf withdrawl taxable ?

  156. Nimesh says:


    I worked with Private company for more than 5yrs and now i want to change my job so i want to withdraw amount from EPF… and i have not transferred the EPF amount to my new job PF account.

    If i have withdrawn an amount from old PF account whether it is taxable or not…

  157. raj says:

    I have resigned from my current job my date of joining is 07/08/2006 and my last date in the current company is 15/11/2013. I Want to with draw the amount.i was with the company for 7 years 03 months and 20 days .

    if i am withdrawing the PF whether it is taxable or not?

    If taxable how much taxable ?

  158. Ashish says:

    I left my HCL in june 2011 and did not transfer the PF to new employer. In this case if i apply for Pf in july 2016 will it attract tax??

  159. Amitesh says:

    I have left my previous company 1 year back but I have neither withdrawn nor transferred my PF a/c from previous to new employer. I wanted to know can I transfer my old PF a/c to the current one.
    Pl. help.

  160. VG says:

    Dear Sir,

    I was working with two company for more than five years.

    I had intimated my new company about old and pf.

    last year i withdraw money from PF but previous company deducted the tax on that, now they are giving me letter of continous of five year.

    Now how I can claim this TDS refund (under which section)along with my other income.

  161. Somu says:


    I worked for a company for 5 years, now I re-located to another company in different city in India. Due to my personal situation I want to withdraw the money from my PF account when I talked to previous employer Finance departments they said that, there is Government rule that you can’t withdraw the amount as you are working in another organization inside India so you need to transfer your PF amount to current company organization PF account. This is what a reply I got from them and they are not processing my request. Is there is any rule like that(I don’t think so because my friends got their money). Please advise.


  162. Saloni says:

    I worked for a company for 4 years (till March 2010), after which I left India. I am currently a non-resident for Indian tax purposes. I have now (in May 2013) withdrawn the monies accumulated in my ex-employer’s PF account and would like to know the taxation in my case i.e. should I not receive the employer’s contribution and interest on it (along with the enployee’s which is anyway tax exemmpt) without TDS, since I am no longer resident in India?

    Many thanks in advance

  163. Ayyappa says:

    I have one query related to the PF.
    I was worked in my past company for 3.6 yrs. now i have continue the same pf for present company . but here they are opened new PF account.
    As per my knowledge , final pf amount is not taxable if you are continuing the 5 yrs.

    My question is here , my previous company pf account is X and my present company is Y. I have plan to continue my present company for 1.6 yrs only.
    then if I withdraw my PF amount , is it taxable or not ?

  164. Shikha says:

    I have a query. I have worked in my organization for 30 months and now want to withdraw Pf as I will be leaving for higher studies.

    So now the entire amount of PF will add to my taxable income of this financial year and if my total taxable income crosses 1.9 lac then only i’ll have to pay tax otherwise it should be tax free. Am I missing anything here?

  165. Munish says:

    Please help to confirm if any employee left the organization in 3.5 /4 years of his/her services but withdrawal his/her PF after 5 years (from his Date of Joining in the organization) then the same will be taxable or non taxable.


  166. Kiran says:

    I joined a company in 2007 and worked there for three years and then I moved to US. If I withdraw my PF now ( 2013) will I attract income tax, even though I have not completed five years of continous service.

  167. Abhishek Agarkar says:


    I had worked with a certain company for 1.6 years(May 07- Nov 08), as of today the company is not operational, also I have not withdrawn/ transferred the PF from that account to any other account. Now I wish to
    make an withdrawal, will I be able to withdraw the amount? If yes, i would like to know how? If no, i would request you to provide an alternate solution.


  168. Prabhu says:

    I have requested for PF withdrawal from my previous employer, but the Finance team of that company says PF cannot be withdrawn and only able to transfer when a person is employed. Is that true we cant withdraw our PF, if not can we able to take any legal action against the company?
    I have my previous employer PF account number and i checked its still alive. Please let me know how to proceed further.


  169. Aashish says:

    Can anyone help with Purav’s query. I have the same question..

    RE:”In your article in the second last paragraph you have mentioned that ” Payment received in respect of the employee’s own contribution is exempt from tax (to the extent not claimed as a deduction earlier)” My question is that if an employee had earlier claimed deduction in respect to own contribution to PF then under which Head of Income will it be taxed?”

  170. Sujit says:


    I have completed 4 years 3 months with my present organisation and have been rendered redundant as of 1st April, 2013. As this leaving of organisation is beyond reasons of my control (employee’s control) will I be required to pay Income tax on the EPF amount if I choose to withdraw it during May 2013? I do not have any alternate employment.


  171. Srini says:

    Hi, kindly attend my below query:
    I have 4 years 6 months in present company and previous company I worked for 3 years. I have been continuing the contribution of PF from previous company to present company, while leaving previous company I have opted to transfer the PF to new account maintained by present company. Now I have resigned and would be leaving by end of March 2013.
    I have opted to transfer the Pf amount from previous company (worked for 3 years) to present company (worked for 4 years 6 months), will I be eligible for PF withdrawal and if so, will there be any tax implications.

    Kindly address the query.


  172. Nashim Mullick says:

    I worked with a private company for three years(2007 to 2010). In my previous company PF-slip the DOJ mentioned as 01/10/2007. Now I am working with a new organasation since 2011 and I have given a provident fund (PF) withdrawal request to my ex-employer. Will the PF amount be taxable? As 05-years had already completed

  173. Nashim Mullick says:

    I worked with a private company for three years(2007 to 2010). In my previous company pay-in-slip the DOJ mentioned in PF-slip as 01/10/2007. Now I am working with a new organasation since 2011 and I have given a provident fund (PF) withdrawal request to my ex-employer. Will the PF amount be taxable? As 05-years had already completed

  174. sanjay says:

    Hi Sir,
    I was working with an IT company any my EPS No starts with (TH/THA/EXEM/ xxxxx/xxxx)and total tenure was 4.7 years( as off jan 2013).As i understand i can withdraw pf after 2 months i.e on march as per PF rules.My question is now if i withdraw on march 2013- will it be taxable ? If yes shall i wait for June 2013 as to complete total 5 year although my last day in the company was jan 23rd 2013.So can i submit a withdrawn request on July 2013 so as there will no tax on the PF amount withdrawn.Please guide.


  175. sanjay says:

    Hi Sir,
    I was working with an IT company any my EPS No starts with (TH/THA/EXEM/ xxxxx/xxxx)and total tenure was 4.7 years( as off jan 2013).As i understand i can withdraw pf after 2 months i.e on march as per PF rules.My question is now if i withdraw on march 2013- will it be taxable ? If yes shall i wait for June 2013 as to complete total 5 year although my last day in the company was jan 23rd 2013.So can i submit a withdrawn request on July 2013 so as there will no tax on the PF amount withdrawn.Please guide.

    Thanks & Regards,


  176. niyati says:

    I m currently working with axis bank since 4yrs this year is my 5th yr can i withdraw my PF i m not leaving my current organisation but i want to withdraw some amount is it possible, also if yes is the same taxable

  177. Annie Madiki says:

    I have a query. I was with 1 company from Jun 2003- Aug 2004. And was with another company from Aug 2004 – Aug 2009. When i am trying to check status of my earlier company online, its stating that “No record found and it has data only for past 6 months”. Can you please let me know how to know status of my earlier company PF?

  178. Balaji Krishnan says:


    I have resigned from my current job my date of joining is 17/03/2008 and my last date in the current company is 12/03/2013. ( my PF account was opened in 30/04/2008) almost i was with the company for 4 years 11 months and 20 days .

    if i am withdrawing the PF after 12/03/2013. like to know whether it is taxable or not?

  179. XYZ says:

    I have worked for a company for almost one and half year then i joined another company i have filled the form to withdraw my PF its now almost two years i did not get my PF what to do?

  180. Kiran says:

    I have worked in a company for almost two years 2008-2010, where I was maintaining a PF. I then moved overseas for almost 2.7 years durning which time there were no PF contributions. Now I have resigned and going for my higher education. Can I withdraw my PF in 2013 ( when I complete 5 years after I started my PF), without attracting tax (TDS). (Even though I have maintained the PF for 2 years (

  181. Dinesh Saini says:

    I worked for a multinational from Jan 2006 to May 2008 where my PF was deposited being in Trust. Thereafter, I joined another company from June 2008 to Jan 2012. At the time of joining, I filled up Form 13 to transfer my PF to my current account PF account and one year later I also got the confirmation that PF amount of last company is transferred to current PF account. After 10 months of leaving my second company I filled up Form 19 and Form 10C. A month later I got confirmation that my PF amount is credited to my account but EPS is rejected. When I approached to RPFC office they said EPS is my first company is not transferred, therefore, it is rejected. First I have to get my EPS transferred then only I can withdraw this.

    They provide me one form to fill up and submit. On the form they have mentioned that if old account is with Trust then first Trust has to provide service information to RPFC. Then RPFC where first company (Trust ) deposited EPS will transfer to Second Account. Then again, I have to fill up 10C to withdraw the amount

    I am completely fed up with this long process, I requested the officer in charge to just give me my current EPS amount as EPS of my last company was not significant, he refused and said you will get only whole amount else nothing.

    Can anybody help me and also confirm if this is the only and correct process.


  182. Vipin Bist says:

    Please answer to my query, In case of PF amount withdrawl including the transferred PF amount from previous employer after total 5 years (including tenure at both previous and current employer), but these 5 years include 1 year GAP in between employement at Previous and current employer. In that condition will the withdrawl is TAX eligible.

  183. Akrishna says:

    One of my friend withdrawn PF and the previous company deducted overall TDS of Rs. 3 lacs. Can there be any possiblity to add the pf amount in currnet year income as other income and compute tax liability and claim refund from entire tds deducted from previous company?


  184. ramamohanreddy says:


    I worked in a company for 3 years. After that I left that company and joined another company.Now i completed 3 years in the present company.
    Can transfer the previous company PF to present company PF account.

  185. Mayank Gupta says:

    PPF amount if extended after a period of 15 years for a block of 15 years, you can withdraw a maximum of 60% only. You wont be able to withdraw fully

  186. RAKESH says:

    Sir, I want to know ath followings:-

    (a) What is the minimum period or number of contributions required to get the benifit at the time of withdrawal from EPF. If someone is working in a establishment/company and cotributing towards EPF and resign from the company after a period of 05/06 months. Is he/she eligible to withdraw his/her contributed amount with other benifits? (b) What is the procedures to withdraw the amount from EFP in this case?and the same person is also working in another company.

  187. MD SHAMSHADA ALAM says:

    Sir, I want to know ath followings:-

    (a) What is the minimum period or number of contributions required to get the benifit at the time of withdrawal from EPF. If someone is working in a establishment/company and cotributing towards EPF and resign from the company after a period of 03/04 months. Is he/she eligible to withdraw his/her contributed amount with other benifits? (b) What is the procedures to withdraw the amount from EFP in this case?

    Thanks & Regards

  188. mandar says:

    hi , if somebody leaves the job before 5 yrs & trf balance in PF to new employer’s PF & then withdrws aftr complition of balance years of previus employer what will be tax effect?


  189. Shankar says:

    I have a query. I was working in a company that had their own PF. I resigned after 3 years. My new company is vary small and the salray does not include PF. Should I continue with my PF account in the old company? Will I get interest in it? Is leaving the PF amount safe? When can I withdraw the amount without any tax implication?

  190. Surinder Arora says:

    I was employed with a company for three years.( 1998 to 2001). The company had their PF Trust. I resigned from my job with the company. With the next company I was on contact and therefore no PF. I did not withdraw my PF accumulations. In 2010 I got retired from the job after completing my 60 years of age. Now I have requested my previous employer for withdrawl of my PF accumulations. Please advise if the PF withdrawl will be taxable now , if yes then to what extent.

  191. rahuldev says:

    Can I withdraw my supperannuation fund (SAF) balance pre-maturaly? I am in service for 10 years, switching over job. The new company does not have SAF. The company may deduct tax at the applicable rate but whether it is permissible?

  192. Babu Hironmoy says:

    I have resigned from State bank after a service period of 18 months. Now am I be able to claim refund of my Pension and provident fund accumulated amount? What shall be the procedure of claiming the fund? What will be the remedy if the employer/Bank delays the refund? Am I be able to lodge complain aginst them.

  193. shashank says:

    service of 4years and more than 6moths would be counted as 5years as i work in pf office and also the rules governing pf maintained by epfo and by trust ( private employer) need to be same .

  194. RAHUL AGARWAL says:

    I wish to know two things regarding P.F. liability.1) Do I need to deduct PF if I pay my parmanent Labour a wages of Rs.250 perday i.e. 7500/month?  2) Do Welfare cess @1% deducted in contract work can be adjusted with PF Liability?.

  195. Sanjib Kumar Nanda says:

    When i was with my previous employer I have contributed in EPF for about 4 years and left the service in july 2009 & now with a different employer who is having its own trust. If i will withdraw my EPF & EPS from the previous employer,
    will it be taxable?
    If taxable what will be the percentage?

  196. Nik says:

    Two years back I have worked in an organization for 4 year 9 months and then I took emplyment overseas. I would like to know if I withdraw my EPF now, would there be any TDS deducted?

  197. nisha Paul says:

    I had left my previous organization 10th January 2011. Now I would like to apply for my PF withdrawl, May I know what will be the procedure. I had heard that need some extra documentation for withdrawl of PF after 1 year of leaving the service,

    Pls guide me  as per that I can apply for my PF withdrawl of  PF amount.

  198. vikas rao says:

    I withdrew my PF after resignation from my previous company. The company did not have a PF trust and accounts were maintained at the PF office bandra, mumbai. The amount has been deposited in my account.
    However, I do not know if taxes have been deducted at source or I have to show the amount received while filing returns.

  199. Rajeev says:

    I have recently withdrew my PF after resignation from the company. Is the money deposited by EPFO to my account is after deducting the taxes. I was reading that IT department has asked EPFO to deduct taxes on premature withdrawal.

    Rajeev Singh

  200. Manoj says:

    Dear friends,

    i want to understand the above mentioned Imcome tax implication on withdrawal of PF amount with in five years. want to understand two points. (1). As per India Income tax act 1961, Under which section, rules and Notification this has been indicated. (2). if so is this will be prospective effect OR retraspective effect, in this case is their any time line which clarifies how many years back data they can verify as per Income tax law. appreciate if any body try to clarify me.

  201. Rakesh Kumar Gupta says:

    I have a query. I was a member of a recognised Provident Fund trust for over 20 years. On resignation, I joined a new company,in1998, where I became a member of The Employees Provident Fund Scheme 1952 (funds from Recognised PF trust were transferred by the ealier company into this account). I also became a member of an optional Provident Fund scheme run by the company for its employees. I resigned from the second company, in 2002, after working for 4 years. Will the balance (it has not been withdrawn to date) lying in the optional PF scheme be liable to deduction of tax at source since I did not complete 5 years service in the new company even though I have continuously been a member of aPF trust for over 24 years.

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  203. Purav says:

    Very nice article. In your article in the second last paragraph you have mentioned that ” Payment received in respect of the employee’s own contribution is exempt from tax (to the extent not claimed as a deduction earlier)” My question is that if an employee had earlier claimed deduction in respect to own contribution to PF then under which Head of Income will it be taxed?

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July 2021