How to Fill Form 15G for PF Withdrawal: Step-by-Step Process Explained

Key Takeaways

• Form 15G for PF withdrawal helps avoid 10% TDS when the PF service is under 5 years, and the withdrawal exceeds ₹50,000. The total income should stay below ₹2,50,000 in a financial year, as per Income Tax rules.
   

• EPFO processes most PF withdrawals online, with over 60% of claims settled digitally through the Unified Member Portal. This made Form 15G submission faster and reduced manual paperwork and delays.
   

• PAN-linked UAN is mandatory to prevent higher tax deduction. To answer how to fill Form 15G for PF withdrawal without PAN, you can fill Part 1 of the form carefully. But it can attract 20% TDS. Correct Form 15G submission ensures full payout without tax deductions.

Bonus Tip: EPFO allows members to track PF claim status in real time via the UMANG App. It reduces follow-ups and improves transparency during withdrawal processing.

Mohit from Gurugram stared at his laptop like it was a bad client brief. Marketing executive by day, Excel ninja by night, he wanted his PF money without tax drama. Mohit learned that Form 15G for PF helps eligible members avoid 10% TDS on PF withdrawals. EPFO deducts TDS if the service is under five years and the withdrawal exceeds ₹50,000.

Submission of Form 15G for PF withdrawal works only when the total income stays below the taxable limits (₹2,50,000/year). Correct details ensure faster settlements and zero tax surprises. Between campaign deadlines and cold coffee, Mohit Googled, “how to fill form 15G for PF withdrawal?” That search changed his withdrawal game. He could download Form 15G for PF withdrawal from the income tax portal.

Mohit treated PF paperwork like a campaign funnel. He understood how to fill Form 15G for PF withdrawal, which saved him money and his sanity. Form 15G works like a “no-tax coupon” for eligible PF withdrawals. It tells EPFO your income is below the taxable limits. Think of it as skipping ads on YouTube, legally.

Mohit said, “I withdrew ₹1,20,000 after three years of service. My income stayed below ₹2,50,000. My submission of Form 15G for PF withdrawal stopped TDS instantly.”

Who Can Actually Use Form 15G for PF Withdrawal?

Not everyone can shout “Tax bach gaya!” after submitting Form 15G. The eligibility rules include:

• Individual below 60 years of age
• PAN linked with UAN
• Total income below the basic exemption limit of ₹2,50,000 per financial year
• PF service is less than five years old

Form 15G suits young professionals like Mohit perfectly.

How Form 15G Applies for PF Withdrawal

Form 15G applies only under specific PF withdrawal scenarios.
 

A clear understanding of this made Mohit feel like a compliance ninja.

How to Fill Form 15G for PF Withdrawal Online (Step-by-Step)?

Mohit followed steps like executing a perfect ad campaign.

• Download Form 15G for PF withdrawal from EPFO or the income tax portal.
• Fill PAN, assessment year, and income details.
• Mention the PF withdrawal amount.
• Upload Form 15G while submitting PF claims online.
• Keep a copy of the filled form and track your claim status online through the EPFO portal. You will get the updates on your registered phone number and email as well.

This explains how to fill Form 15G for PF withdrawal online smoothly.

Documents You’ll Need for Form 15G for PF Withdrawal

Paperwork made Mohit more scared than client feedback. So, he double-checked all the documents. The required documents include:

• PAN card
• Aadhaar linked with UAN
• PF withdrawal claim form
• Cancelled cheque
• Revenue stamp (if required)

Keep PDFs ready, especially when you are searching for how to fill Form 15G for PF withdrawal PDF. If you are wondering how to fill Form 15G for PF withdrawal without PAN, you can do so as well. But remember, it would attract a 20% TDS.

Benefits of Form 15G for PF Withdrawal

Form 15G feels like a high-ROI campaign.
 

The question of how to fill Form 15G for PF withdrawal for NRIs cannot be answered. This process is not allowed for NRIs.

Conclusion

Mohit finally clicked “Submit” with Bollywood confidence. His PF arrived without TDS deductions. The understanding of how to fill Form 15G for PF withdrawal felt better than Mohit’s campaign success. 

Mohit’s colleagues from his Chennai office also found some sources for how to fill Form 15G for PF withdrawal in Tamil. If taxes feel like unwanted ads, Form 15G is your skip button. With Form 15G, withdraw your PF funds smartly and keep your money safe from unnecessary deductions.

FAQs on Form 15G for PF Withdrawal

Can I submit Form 15G after PF withdrawal?
No, EPFO requires Form 15G at the time of claim submission.

Is Form 15G mandatory for PF withdrawal?
It applies only when avoiding TDS for eligible individuals.

What happens if PAN is not linked?
EPFO deducts 20% TDS if you are trying to find how to fill Form 15G for PF withdrawal without PAN.

Does EPFO verify the income declared?
Yes, mismatches may invite tax notices later.

Can I use Form 15G if unemployed?
Yes, if the total income remains below the exemption limit.

Can EPFO still process and settle your withdrawal even if there’s a later audit or inspection on your reason?
Yes, many users report that even after a corporate or EPFO audit for premature withdrawal, their PF claim was still settled without disciplinary action, showing the system doesn’t automatically block valid claims during review.

If I submit Form 15G, anticipating unemployment, but continue to stay employed, will it still work for PF or other incomes?
Yes, users note that as long as you correctly report all income when filing your tax return and pay any due tax, submitting Form 15G early mostly helps avoid immediate TDS without causing problems later, showing proactive tax planning works well. 

How should an unemployed person calculate “estimated total income” while filing Form 15G?
Simply add the expected interest income from all FDs across banks, since banks already provide estimated interest figures, making Form 15G filing straightforward even without a fixed salary.

Can my employer track my PF account or ITR to detect dual employment?
Employers don’t access your ITR, but PF contributions under the same UAN can reflect overlapping employment, so keeping EPFO exit dates updated ensures clean and transparent records.