Is your PF withdrawal taxable, and how much TDS EPFO keeps back
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 15 Oct 2026.A PF withdrawal is tax-free after five years of continuous service, counting earlier jobs whose PF you transferred. Before that it is taxable unless the job ended through ill-health, the business closing or another cause beyond your control. EPFO then keeps back 10% as TDS when you take out ₹50,000 or more, or 20% without a PAN. Enter your amount and service to see both.
₹20,000
10% of the whole amount, under section 392(7)An estimate, not tax advice. Income-tax Act, 2025, section 392(7) (formerly 192A), for withdrawals from 1 April 2026; checked 15 Oct 2026.
Open the passbook split in the inputs to see which part of the withdrawal is taxable and under which head. Your EPFO member passbook has these figures.
FY 2026-27 · Rates and rules read from the sources listed on this page (the earliest on 15 Oct 2026); they may have changed since.
Enter your figures. The result updates as you type.
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This calculator tells you whether an EPF withdrawal is taxable, how much TDS EPFO will deduct, and what reaches your bank account. With your passbook split it also shows which part of the money is taxable and under which head. Nothing you enter leaves your browser.
The TDS. Section 392(7), which replaced section 192A from 1 April 2026, makes EPFO deduct 10% of the payment when it is ₹50,000 or more and taxable. Without a PAN, section 397 raises this to 20%. Formula, in plain text: TDS = payment × 10% (or 20%), when payment ≥ ₹50,000.
What it does not do. It does not work out the final tax for each earlier year, the EPS pension withdrawal, or rules for non-residents. TDS is credited against your tax when you file. An estimate, not tax advice.
The rest of the article, and all 6 questions about EPF Withdrawal Tax Calculator, are on the EPF Withdrawal Tax Calculator page.
EPFO deducts 10% of the whole payment when it is ₹50,000 or more and taxable, under section 392(7) of the Income-tax Act, 2025, which replaced section 192A. Without a PAN the rate is 20%. A ₹2,00,000 withdrawal after three years loses ₹20,000, and ₹1,80,000 reaches your account.
No. Section 392(7) applies only when the payment is ₹50,000 or more, so ₹49,999 is paid without TDS. The amount can still be taxable: if service was under five years, report the taxable part in your return and pay any tax due on it there.
From 1 April 2026 Form 121 replaced Forms 15G and 15H. EPFO accepts it when the tax on your estimated income for the year is nil. A PAN is required. Below 60 it does not apply once the payment exceeds the income on which no tax is charged, ₹4,00,000 under the new regime.
No. TDS is an advance payment set against your tax when you file your return. The final tax is worked out year by year for the years you contributed, and may be more or less than the TDS. A refund comes through the return when too much was deducted.
Rates and rules change; check the source before you rely on a figure.
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