Form 15G

Form 15G is a self-declaration form that allows individuals below 60 years of age to request non-deduction of TDS (Tax Deducted at Source) on certain incomes, including premature Provident Fund (PF) withdrawals. By submitting this form, eligible individuals can ensure that no TDS is deducted from their PF withdrawal amount.

When Should You Submit Form 15G for PF Withdrawal?

You should submit Form 15G when:

• Your total PF withdrawal exceeds ₹50,000, and
• Your total annual income is below the taxable limit (currently ₹2.5 lakh), and
• Your employment tenure is less than 5 years.

If these conditions are met, submitting Form 15G helps avoid TDS deductions on your PF withdrawal.

How to Fill Form 15G for PF Withdrawal

Form 15G consists of two parts. For PF withdrawal purposes, you only need to fill Part I. Here’s a step-by-step guide:

1. Name of Assessee (Declarant): Enter your full name as per your PAN card.
2. PAN of the Assessee: Provide your Permanent Account Number.
3. Status: Select ‘Individual’.
4. Previous Year: Mention the current financial year (e.g., 2025-26).
5. Residential Status: Tick ‘Resident’.
6. Address: Provide your complete residential address.
7. Email: Enter your email address.
8. Telephone No.: Provide your mobile number.
9. Whether assessed to tax under the Income-tax Act, 1961: Tick ‘Yes’ if you have filed income tax returns in any of the previous six assessment years; otherwise, tick ‘No’.
10. If yes, latest assessment year for which assessed: Mention the latest assessment year you filed returns for.
11. Estimated income for which this declaration is made: Enter the amount you intend to withdraw from your PF account.
12. Estimated total income of the P.Y. in which income mentioned in column 16 to be included: Provide your estimated total income for the financial year, including the PF withdrawal amount.
13. Details of Form No. 15G other than this form filed during the previous year, if any: If you have submitted Form 15G elsewhere during the year, provide details; otherwise, write ‘Nil’.
14. Details of income for which the declaration is filed:
    • Identification number of relevant investment/account, etc.: Enter your Universal Account Number (UAN).
    • Nature of income: Write ‘PF Withdrawal’.
    • Section under which tax is deductible: Mention ‘Section 192A’.
    • Amount of income: Enter the PF withdrawal amount.
15. Declaration/Verification: Sign and date the form, declaring that the information provided is true and correct.

Note: Part II of Form 15G is to be filled by the person responsible for paying the income (i.e., the EPFO) and should be left blank by the applicant.

How to Download Form 15G

You can download Form 15G from the following sources:

• Income Tax Department: Visit the official website and download Form 15G in PDF format.
• EPFO Portal: Access the EPFO website and navigate to the appropriate section to download the form.
• Bank Websites: Many banks provide Form 15G on their websites for customer convenience.

How to Submit Form 15G Online for PF Withdrawal

To submit Form 15G online through the EPFO portal:

1. Log in: Access the EPFO UAN Member Portal using your UAN and password.
2. Navigate to Online Services: Click on ‘Online Services’ and select ‘Claim (Form-31, 19 & 10C)’.
3. Verify Bank Details: Enter the last four digits of your bank account and click ‘Verify’.
4. Upload Form 15G: You’ll see an option to upload Form 15G. Click on it and upload the filled form in PDF format.
5. Submit Claim: Proceed to submit your PF withdrawal claim.

Note: Ensure your PAN is linked with your UAN; otherwise, the portal may not accept Form 15G.

Important Points to Remember

• Eligibility: Form 15G is for individuals below 60 years with income below the taxable limit.
• Accuracy: Ensure all details in the form are accurate to avoid rejection.
• Validity: Form 15G is valid for one financial year; submit a new form for each withdrawal in a different financial year.
• TDS Deduction: If Form 15G is not submitted when required, TDS at applicable rates may be deducted from your PF withdrawal.

By understanding and correctly submitting Form 15G, you can ensure a smooth PF withdrawal process without unnecessary tax deductions.