EPF Withdrawal Tax Calculator
Planning to withdraw your PF amount? Check if tax (TDS) applies to your withdrawal amount using our simple TDS calculator.
When is TDS Applicable on EPF Withdrawal?
Tax is deducted at source (TDS) by the EPFO only under specific conditions:
- If you withdraw your PF amount before completing 5 continuous years of service.
- If the withdrawal amount is ₹50,000 or more.
- Standard TDS rate is 10% if PAN is submitted.
- If PAN is NOT submitted, TDS is deducted at the maximum marginal rate (approx 34.6%). (Our calculator assumes PAN is provided).
- You can avoid TDS by submitting Form 15G / Form 15H if your total income is below the taxable limit.