It is always a relief to withdraw your PF, especially during an
emergency or job change. But then comes the confusion about TDS (Tax Deducted at Source). Many
employees are surprised to see tax deductions on their PF withdrawal, even when their total
income is below the taxable limit.
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This is where understanding how to download Form 15G for PF withdrawal online becomes extremely
important. Submitting Form 15G helps eligible individuals avoid TDS on PF withdrawal, provided they meet certain
conditions. The process is simple, digital, and can save you from unnecessary tax deductions.
In this detailed guide, we will explain everything about downloading Form 15G for PF withdrawal
online, how it connects with Form 15G for PF, and how it should be submitted along with your PF withdrawal form
correctly.
What Is Form 15G for PF Withdrawal?
Form 15G for PF is a self-declaration form under Section 197A of the Income Tax Act. It
allows individuals to declare that their total income for the financial year is below the basic exemption
limit. By submitting this form, eligible individuals can request that no TDS be deducted from their PF
withdrawal.
TDS is applicable if the PF withdrawal exceeds ₹50,000 before completing 5 years of
continuous service. If PAN is linked, TDS is generally deducted at 10%. If PAN is not provided, TDS may be
deducted at a higher rate under income tax rules. Submitting Form 15G for PF along with your PF withdrawal
form ensures that tax is not deducted, provided you meet eligibility conditions.
Eligibility to Submit Form 15G for PF Withdrawal
Not everyone can submit Form 15G for PF. Before you proceed to download Form 15G for PF
withdrawal online, make sure you meet all eligibility conditions. Submitting the form without meeting the
criteria may lead to rejection or penalties.
If all the conditions below are fulfilled, you can safely download Form 15G for PF withdrawal
online and submit it with your PF withdrawal form.
Criteria
Requirement
Age
Below 60 years
Residential status
Resident Indian
Total taxable income
Below the basic exemption limit
Tax liability
Nil
PF withdrawal amount
Exceeds ₹50,000
Continuous service
Less than 5 years
PAN status
PAN must be linked with the EPF account
When the Submission of Form 15G is Not Allowed
While many people focus on eligibility, it is equally important to understand when Form 15G
for PF is not allowed. Submitting it incorrectly can lead to complications, including penalties under income
tax rules. Before you download Form 15G for PF withdrawal online, make sure none of the following conditions
apply to you.
Situations Where Form 15G Cannot Be Submitted
Your total income exceeds the basic exemption limit
Your tax liability for the financial year is not zero
You are a non-resident Indian (NRI)
You are 60 years or older (Form 15H should be used instead)
PAN is not available or not linked
You have already declared incorrect income details
In such cases, submitting Form 15G for PF along with your PF withdrawal form will not prevent
TDS deduction.
Where to Download Form 15G for PF Withdrawal Online
Now, let's understand how exactly you can download Form 15G for PF withdrawal online.
Normally, on the EPFO portal, you can upload the scanned version of your filled-out Form 15G when making a
claim. One may obtain Form 15G for PF Withdrawal from various websites, including the official website of
the Income Tax Department, among others. However, the most reliable method for downloading Form 15G for PF
Withdrawal online is from the official website of the Income Tax Department.
Step-by-Step Process to Download Form 15G for PF Withdrawal Online
Follow these steps carefully to properly download Form 15G for PF withdrawal online and use
it with your PF withdrawal form claim.
Step 1: Visit the Income Tax Department Website
First, to download Form 15G for PF withdrawal online, visit the official website of the
Income Tax Department. After visiting the official website of the Income Tax Department, it is necessary to
navigate to the "Downloads" section and click on "Income Tax Forms." Then, it is necessary to find Form 15G.
Step 2: Select the Correct Financial Year
When selecting the form type, make sure that the financial year is selected correctly.
Selecting the correct financial year ensures the declaration aligns with your income tax records during PF
claim processing.
Step 3: Download the PDF File
Click on Form 15G and download the PDF file to your device. The downloaded file must be clear
and updated in an official format. Avoid downloading from unofficial sources to prevent errors.
Step 4: Fill in Accurate Details
After downloading the Form 15G for the purpose of withdrawal of PF online, fill in the
details. Make sure the details are filled correctly. The details filled in the form must match the details
filled in the form for the withdrawal of the PF. The details include:
Full name (as per PAN)
PAN number
Status (Individual)
Residential status
Estimated total income
Details of PF withdrawal
Bank account details
Previous year details
Step 5: Sign the Form
Once filled, sign the form manually. If submitting your claim online, you will need to scan
and upload the signed copy. Ensure the uploaded form contains your signature while submitting the PF
withdrawal form through the EPFO portal managed by the Employees' Provident Fund Organisation.
How to Submit Form 15G with PF Withdrawal Form
Downloading the form is only half the task. The next step is properly submitting it along
with your PF withdrawal form claim. Here's how you can complete the process smoothly.
Log in to EPFO Member Portal: Visit the official portal of the Employees'
Provident Fund Organisation and log in using your UAN and password.
Initiate PF Withdrawal Form: Go to "Online Services" and select "Claim (Form-31, 19 & 10C)." This is
where you submit your PF withdrawal form request.
Upload Form 15G: If applicable, upload the scanned copy of the signed Form 15G for PF during the claim
process. Make sure your PAN is linked and verified. Without PAN verification, TDS may be deducted at a
higher rate even if you download Form 15G for PF withdrawal online and submit it.
Things to Consider Before Downloading Form 15G
Accuracy is essential while submitting both Form 15G for PF and your PF withdrawal form.
Before you download Form 15G for PF withdrawal online, keep these key points in mind to avoid errors.
The form is valid only for one financial year.
Incorrect income declaration can attract penalties.
PAN is mandatory for a valid submission.
The form must be signed before uploading.
Estimated income must include all income sources, such as:
Salary (if any)
Interest income
Capital gains
Rental income
PF withdrawal amount (if taxable)
What Happens If You Don't Submit Form 15G?
If you are eligible but fail to submit Form 15G for PF, TDS may be deducted at 10% if PAN is
linked. If PAN is not linked, TDS may be deducted at a higher rate under Section 206AA.
Although you can claim a refund while filing your income tax return, that process takes time.
Submitting the form at the time of filing your PF withdrawal form helps avoid unnecessary waiting.
TDS Rules on PF Withdrawal
Prior to downloading Form 15G for the PF Withdrawal form, you need to have a clear idea about
when TDS is mandatory. Most employees tend to believe that all PF withdrawals are tax-exempt, but this is
not always true. Whether TDS is mandatory or not depends upon several things, including the period of
employment and total PF withdrawal amount, among others.
TDS on PF Withdrawal: Quick Overview
Understanding these rules helps you decide whether you actually need to download Form 15G for
PF withdrawal online and submit it along with your PF withdrawal form.
Condition
TDS Applicable
PF withdrawal after 5 years of service
No TDS
PF withdrawal before 5 years & amount < ₹50,000
No TDS
PF withdrawal before 5 years & amount > ₹50,000
TDS @ 10% (if PAN is linked)
PF withdrawal before 5 years without PAN
TDS @ 20% (higher rate)
Form 15G for PF submitted (if eligible)
No TDS
Common Mistakes to Avoid
While trying to download Form 15G for PF withdrawal online, many people make simple mistakes
that lead to rejection or delays. Double-check every detail before submission to ensure smooth processing.
However, some common errors people make are as follows:
Entering incorrect PAN details
Selecting the wrong financial year
Not signing the form
Mismatch between form details and the PF withdrawal form
If you want to avoid unnecessary tax deductions on your provident fund withdrawal, it is very
important that you understand how to download the Form 15G for PF withdrawal online. This can be done easily
by downloading the form, filling it out, signing it, and then uploading it along with your claim for
withdrawal form.
Filing Form 15G for PF at the appropriate time will save your well-deserved savings from any
possible loss because of TDS. You must check whether you are eligible for it or not. A small level of
awareness on your part will allow you to save your PF savings from falling into someone else's pocket.
FAQs
Q. Can I submit Form 15G for PF after receiving the PF amount?
No. You must submit Form 15G for PF at the time of filing your PF withdrawal
form. Once TDS is deducted, you cannot reverse it immediately and will need to claim a refund
through your income tax return.
Q. Is PAN compulsory for submitting Form 15G for PF?
Yes, PAN is mandatory. Without PAN linkage, TDS may be deducted at a higher rate
even if you submit Form 15G for PF with your PF withdrawal form.
Q. What income should I declare in Form 15G?
You must declare your estimated total income for the financial year, including
all sources, not just the PF amount. Incorrect declaration in Form 15G for PF may lead to
penalties.
Q. What is the difference between Form 15G and Form 15H?
Form 15G is for individuals below 60 years of age, while Form 15H is for senior
citizens (60 years or above). Both serve the same purpose of preventing TDS on eligible
withdrawals.
Q. Is Form 15G valid for multiple PF withdrawals?
No. Form 15G is valid only for one financial year. If you make another withdrawal
in a different financial year, you may need to download Form 15G for PF withdrawal online again
and submit a fresh declaration.
Edit
29 May 2026 
