-
September 27, 2025
-
ByDhruvi
Form 15H for PF Withdrawal Online
Introduction
Filing Form 15H for PF withdrawal online is an important step for anyone who wants to claim their provident fund without unnecessary tax deductions. Senior citizens use Form 15H, while employees below 60 years file Form 15G. Many people face rejections or delays because the forms are filled incorrectly or submitted with missing details. At Ebizfiling, we guide you through the entire process, from checking your eligibility to filing the correct form with EPFO. Our experts make sure your PF claim is processed quickly, accurately, and without TDS deduction, so you receive your full amount on time.
What is Form 15H for PF Withdrawal?
Form 15H is a self-declaration form for senior citizens aged 60 years or above. By submitting it, they confirm their income is below the taxable limit, which allows PF withdrawal without TDS deduction. Employees below 60 years must file Form 15G for the same purpose.
Why is Form 15H / Form 15G Important for PF Withdrawal?
-
Prevents tax deduction on PF withdrawals.
-
Ensures the full balance is credited.
-
Simplifies compliance with income tax rules.
-
Speeds up claim settlement through EPFO.
What is a PF Withdrawal Application?
A PF withdrawal application is the process of claiming the accumulated provident fund balance after leaving a job, retiring, or under permitted conditions. If the withdrawal exceeds ₹50,000 before completing 5 years of service, TDS applies unless Form 15H or 15G is filed.
Advantages of Filing Form 15H / Form 15G
-
Avoids TDS deduction on eligible withdrawals.
-
Faster processing of PF claims.
-
Applicable to all, depending on age.
-
Ensures income tax compliance.
-
Provides financial relief by crediting the full amount.
-
Simple online filing process.
-
Reduces chances of rejection.
-
Backed by professional guidance if required.
Documents Required for Filing Form 15H Online
-
PAN card of the applicant
-
Aadhaar card
-
UAN and PF account details
-
Duly filled Form 15H (senior citizens) or Form 15G (others)
-
Bank account details linked with UAN
-
Proof of total income (for eligibility check)
Step-by-Step Process for Filing Form 15H for PF Withdrawal Online
-
Check eligibility based on age and income.
-
Gather required documents.
-
Fill the form online via the EPFO portal.
-
Submit the form with EPFO along with the PF claim.
-
Receive the credited PF amount in your bank account.
Conclusion
Form 15H for PF withdrawal online ensures that senior citizens can access their full PF balance without TDS deduction. Employees below 60 can use Form 15G for the same purpose. By filing the right form with EPFO, applicants save money, reduce delays, and stay compliant with income tax rules.
Suggested Read :
PF Withdrawal: Rules and Limits Explained
Eligibility Criteria for EPF Withdrawal and Tax on EPF Withdrawal
Importance of TDS on Life Insurance Policy
Income Tax Benefits for Senior Citizens
FAQs
1. What is Form 15H for PF withdrawal?
Form 15H is a declaration form for senior citizens (60 years or older) to confirm their income is below the taxable limit. Submitting it with your PF claim ensures that no TDS is deducted from your withdrawal.
2. Who should use Form 15G instead of Form 15H?
Form 15G is for individuals below 60 years of age. If their income is below the basic exemption limit, they can submit Form 15G with their PF claim to avoid TDS.
3. Is filing Form 15H mandatory for PF withdrawal?
No, it is not compulsory. However, if you do not submit Form 15H (or Form 15G), TDS will be deducted if the withdrawal is above ₹50,000 and you have worked for less than 5 years.
4. When is TDS deducted on PF withdrawal?
TDS is deducted if your PF withdrawal amount is more than ₹50,000 and your total service is less than 5 years. Filing the correct form helps you avoid this deduction.
5. Can Form 15H for PF withdrawal be filed online?
Yes, EPFO allows filing Form 15H or 15G online while submitting your PF withdrawal claim. This makes the process faster and easier.
6. Do I need a PAN card to submit Form 15H?
Yes, PAN is compulsory. If you do not provide PAN, TDS will be deducted at the highest rate even if you are otherwise eligible to avoid it.
7. How often should Form 15H be submitted?
Form 15H must be submitted every time you make a PF withdrawal or whenever you expect your income to stay below the taxable limit in a financial year.
8. Can I use Form 15H for incomes other than PF?
Yes, it can also be used for avoiding TDS on bank deposits, post office deposits, and other incomes if your income is below the taxable limit.
9. What happens if I wrongly file Form 15H when I am not eligible?
If you file Form 15H falsely, it is treated as a wrong declaration. You may face penalties and still be required to pay tax on your actual income.
10. Is there any age requirement for Form 15H?
Yes. Only individuals aged 60 years or above can use Form 15H. People below 60 must use Form 15G instead, if eligible.
PF Returns
File PF Returns Easily with EbizFiling – Fast, Accurate & smooth!
About Ebizfiling -
September 26, 2025 By Dhruvi
CBDT Latest News: Due Date Extended for Audit Report Filing for FY 2024-25 Introduction CBDT latest news confirms an important update for taxpayers and professionals. The Board has extended the due date for furnishing audit reports under the Income-tax Act, […]
September 26, 2025 By Dhruvi
Can We File Joint Application for Trademark Registration in India? At Ebizfiling, we often receive this interesting query from founders and business partners: “Can we file a joint application for trademark registration in India?” The short answer is yes, it […]
September 25, 2025 By Dhruvi
Texas LLC vs Texas C Corp: Which Should You Choose? Introduction Choosing between a Texas LLC vs Texas C Corp is one of the most important steps for any entrepreneur starting a business in the state of Texas. While both […]