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.
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.
Prevents tax deduction on PF withdrawals.
Ensures the full balance is credited.
Simplifies compliance with income tax rules.
Speeds up claim settlement through EPFO.
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.
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.
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)
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.
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.
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
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.
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.
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.
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.
Yes, EPFO allows filing Form 15H or 15G online while submitting your PF withdrawal claim. This makes the process faster and easier.
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.
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.
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.
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.
Yes. Only individuals aged 60 years or above can use Form 15H. People below 60 must use Form 15G instead, if eligible.
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