How to Download Form 15G for PF Withdrawal: A Complete Guide

Form 15G for EPF withdrawal helps eligible employees avoid TDS deduction on provident fund withdrawals made before completing 5 years of continuous service. If your PF withdrawal exceeds Rs. 50,000 and your taxable income is below the basic exemption limit, submitting EPF Form 15G can help you receive your withdrawal without tax deduction. This guide explains what Form 15G is, when it is required, how to submit Form 15G online for PF withdrawal, TDS rules, eligibility conditions, and when TDS is not applicable.

Income Tax Form 121

With effect from 1st April 2026, as per the new Income Tax Forms 2026 the new Form 121 will replace the existing Form 15G and Form 15H for Tax Year 2026-27 onwards. 

What is Form 15G for EPF Withdrawal?

Form 15G is a self-declaration income tax forms for resident individuals aged below 60 years and HUFs to avoid TDS deduction on their income. Form 15G can be submitted to avoid TDS deduction when the estimated income of the taxpayer is less than the basic exemption limit. It is commonly used to prevent TDS on interest income from banks, withdrawal of PF, dividends, insurance commission, maturity of insurance policy, etc.

As per the Income Tax Rules 2026, Form 121 is the new unified form that will replace Form 15G and Form 15H. However, the purpose of Form 121 remains the same i.e., to avoid TDS deduction when the income of the taxpayer is below the basic exemptio limit. 

Form 15G PDF Download

Taxpayers can download Form 15G from the Income Tax Department official website through the following steps:

Step 1: Go to Income Tax Department official website. 

Step 2: Navigate to “Income Tax Provisions” and scroll down and select “Income Tax Forms”

Step 3: Search for Form 15G and download the form. 

Taxpayer can also download Form 15G from the EPFO portal under the “Downloads” section. 

Is Form 15G Mandatory for PF Withdrawal?

• Form 15G is not mandatory for PF withdrawal; however, it is required if you wish to avoid TDS deduction.
• As per Section 192A of the Finance Act, 2015, TDS at 10% is deducted if the PF withdrawal amount exceeds Rs.50,000 and your service is less than 5 years.

PF Withdrawal TDS Rules

• 10% TDS – If you submit your PAN but not Form 15G.
• 20% TDS – If you fail to submit both PAN and Form 15G.
• No TDS – If you submit Form 15G. (subject to eligibility conditions).

Note: TDS is not applicable if:

• Your total income (including PF withdrawal) is below the taxable limit, or
• Withdrawal is made after 5 years of continuous service.

How to Submit Form 15G Online for PF Withdrawal?

You can easily submit Form 15G online through the EPFO portal. Here’s a step-by-step guide:

Step 1: Log in to the EPFO UAN Portal

• Go to the EPFO UAN Portal.
• Log in using your Universal Account Number (UAN) and password.

Step 2: Navigate to ‘Online Services’

• From the dashboard, click on Online Services and select Claim.

Step 3: Verify Your Bank Details

• Enter your bank account number and click Verify to ensure your details are correct.

Step 4: Upload Form 15G

• Under the ‘I want to apply for’ section, click on Upload Form 15G.

Important points to Fill Form 15G for PF Withdrawal

Follow these instructions to fill up the other fields in Form 15G:

• Status: Your applicable income tax status, i.e Individual in this case.
• Residential Status: Mention ‘Resident’ as your residential status because NRI is not allowed to submit Form 15G.
• (a) Whether assessed to tax under the Income-tax Act, 1961: Place a tick in the ‘’Yes’’ box if you filed an ITR in any of the last few years. 
  (b) If yes, latest tax year for which assessed: Look at the tax year from the latest ITR and mention the same.
• Details of income for which the declaration is filed: In the last part you need to provide the following income details: 
  1. Investment identification number
  2. Nature of Income
  3. Section under which tax is deductible
  4. Amount of Income

After filling in all the fields, cross-check all the details to ensure there is no error.

 When is TDS Not Applicable on EPF Withdrawal?

1. EPF Transfer: When transferring an EPF account to another account, TDS is not applicable.
2. Termination due to illness or other causes: TDS is not applicable in case of termination of service due to ill health, discontinuation of business by an employer, completion of a project, or other causes beyond the control of the employee.
3. Completion of 5 years of service: If an employee withdraws the EPF amount after completing a total of 5 years of service, TDS is not applicable.
4. EPF withdrawal of less than ₹50,000: TDS is not applicable if the EPF amount is less than Rs.50,000 and the employee has rendered service of less than 5 years.
5. If the employee withdraws Rs.50,000 or more with less than 5 years of service but submits Form 15G/15H along with PAN Card, TDS is not deducted.

Conclusion

Form 15G is a powerful tool for avoiding unnecessary TDS deductions on your PF withdrawal. By following this step-by-step guide, you can easily download, fill out, and submit the form to ensure a smooth and hassle-free PF withdrawal process. Be sure to verify your income and submit the correct form to avoid any penalties.