Employees withdrawing provident fund before completing five years of continuous service may face tax on employer contributions and interest — TDS may apply under Section 192A when withdrawal exceeds the threshold.
Before you withdraw
- Check whether five-year service rule is satisfied
- Understand taxable components vs exempt corpus
- Submit Form 15G/15H if no tax is deductible
- Report taxable withdrawal in ITR if required
See PF employer guide, Form 15G/15H, and PF return filing.
