Tax Savings Form

Form 15G – TDS Exemption Form (Under 60 Years)

Submit self-declaration to prevent TDS deduction on PF withdrawals under 60 years of age.

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Processing Time

Processed instantly along with Form 19

Primary Action

100% Tax-Free*

Submission Method

Online / Offline

📋 Detailed Purpose & Use Case

Use this form if your continuous active service is less than 5 years and your PF withdrawal amount is more than ₹50,000, provided your total taxable annual income (including this withdrawal) is below the tax exemption threshold. This prevents the EPFO from deducting a 10% TDS on your withdrawal.

🔒 Mandatory Eligibility Criteria

⚡

Claimant must be an individual resident in India.

⚡

Claimant's age must be less than 60 years.

⚡

The total taxable income for the financial year (including the PF withdrawal) must be below the basic exemption limit (e.g., ₹3,00,000 or as per latest budget).

⚡

Continuous service is less than 5 years (no Form 15G is needed if service is 5+ years).

📝 Documents & KYC Seeding Requirements

✓

Active PAN Card seeded with UAN.

✓

Duly completed Part I of Form 15G (Part II is filled by the deductor/EPFO).

🌐 How to Submit Online (Fast Track)

Online submission is highly recommended by EPFO. It bypasses physical employer approvals if your Aadhaar is successfully linked.

Form 15G must be uploaded as a PDF file during your online Form 19 application.

Download and print the Form 15G PDF. Carefully fill out Part I (Fields 1 to 19).

Field 1: Name, Field 2: PAN, Field 3: Status (Individual), Field 4: Previous Year (current financial year, e.g. 2026-27), Field 5: Residential Status (Resident).

Field 15: Estimated income for which declaration is made (enter your estimated PF withdrawal amount).

Field 16: Estimated total income of the Previous Year including the PF withdrawal.

Sign and scan the filled form as a single PDF file (size under 1MB).

When filing Form 19 on the Member Portal, upload this PDF file in the designated 'Upload Form 15G' section before submitting.

🏢 Alternate Offline Submission Method

Use this method only if you cannot access the online portal, or if your Aadhaar is not linked to your UAN.

Fill up two physical copies of Form 15G (Part I only).

Attach these copies to your physical Composite Claim Form (Non-Aadhaar) bundle.

Submit the complete package to the local regional EPFO office.

Interactive Form 15G Eligibility Checker

Tick your current status below to verify if you can file this claim form right now.

My Universal Account Number (UAN) is active.

My Aadhaar is seeded and linked with my mobile phone.

My Bank Account KYC is verified and active.

❓ Expert Answers on Form 15G

Is Form 15G needed if my service is more than 5 years? ▼

No. If your cumulative active service with one or multiple employers (transferred) is 5 years or more, your PF withdrawal is completely tax-free under Section 10(12) of the Income Tax Act. No TDS is deducted, and you do not need to submit Form 15G.

What happens if I forget to submit Form 15G? ▼

If you forget to submit Form 15G and your service is under 5 years for an amount above ₹50,000, EPFO will automatically deduct 10% TDS (or 30% if PAN is not seeded). You cannot get a refund from the EPFO. Instead, you must file your annual Income Tax Return (ITR) to claim a tax refund from the Income Tax Department.

📥

Official PDF Download

Download direct official high-speed PDF copy of Form 15G instantly.

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📂 Other EPFO Forms

Form 19 Guide→Form 31 Guide→Form 10C Guide→Form 10D Guide→Form 13 Guide→Form 20 Guide→Form 15H Guide→Form 5IF Guide→Form 14 Guide→

💰 Check PF Balance First

Before filing any claim, we recommend pulling your active PF Balance ledger to check the exact available amount.

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