EPF Withdrawal Eligibility Calculator
Check your EPF withdrawal eligibility and understand the rules, TDS implications, and documents required
₹5,00,000
5 years
35 years old
₹50,000
Transfer Instead of Withdrawal
When changing jobs, transfer EPF to new employer instead of withdrawing to maintain tax-free status and continue compound growth.
Use Form 15G/15H
If your total income is below taxable limit, submit Form 15G (below 60 years) or 15H (above 60 years) to avoid TDS deduction.
Complete 5 Years of Service
EPF withdrawal becomes completely tax-free after 5 years of continuous service. Plan your withdrawal accordingly.
Emergency vs Long-term
Use partial withdrawal for emergencies but avoid full withdrawal unless absolutely necessary. EPF is your retirement corpus.
What is EPF Withdrawal?
EPF (Employee Provident Fund) withdrawal is the process of taking out money from your EPF account. The EPF is a retirement savings scheme where both employee and employer contribute 12% of basic salary + DA every month. The fund earns interest (currently 8.15% p.a.) and is meant for retirement security.
When Can You Withdraw EPF?
EPF can be withdrawn for various reasons including retirement, resignation, medical emergencies, home purchase, education, or marriage. Each reason has specific eligibility criteria and withdrawal limits. Complete withdrawal is typically allowed after retirement or 2 months of unemployment, while partial withdrawals are allowed for specific purposes after completing certain service years.
Forms Required
- Form 19: For full PF withdrawal (settlement)
- Form 31: For partial PF withdrawal (advance)
- Form 10C: For pension withdrawal (EPS)
- Form 10D: For claiming amount in case of member's death
This EPF Withdrawal Eligibility Calculator provides estimates based on current EPFO rules and regulations. Actual withdrawal eligibility, amounts, and TDS may vary based on your specific circumstances, EPFO updates, and tax laws. Always verify withdrawal rules on the official EPFO portal and consult with your employer's HR department or a financial advisor before making withdrawal decisions. The calculator is for informational purposes only and does not constitute financial or legal advice.