EPF Withdrawal Calculator
Check your eligibility and calculate how much you can withdraw from your Provident Fund (PF) as an advance or final settlement based on EPFO rules.
Employee + Employer Share + Interest
Your contribution + interest on it
Include previous employers if PF was transferred
Max Eligible Withdrawal
Based on EPFO rules for your selected reason
EPFO Rule Applied
For medical emergencies, you can withdraw the lower of 6 months' basic salary + DA or your entire employee share. There is no minimum service requirement.
Balance Breakdown
EPF Withdrawal Rules Explained
Advances vs. Final Settlement
Advances (Partial Withdrawal): You can withdraw a portion of your EPF balance while still employed for specific reasons like medical emergencies, marriage, education, or buying a house. You do not need to refund this advance.
Final Settlement: You can withdraw 100% of your EPF balance only when you retire (after age 58) or if you remain unemployed for more than 2 consecutive months.
The 5-Year Tax Rule
EPF withdrawals are completely tax-free if you have completed 5 years of continuous service. If you withdraw before 5 years, the amount becomes taxable in the year of withdrawal. The employer's contribution and interest on it become taxable under "Income from Salary", and your contribution's interest becomes taxable under "Income from Other Sources".
TDS on EPF Withdrawal
If your withdrawal is taxable (service < 5 years) and the amount is ₹50,000 or more, EPFO will deduct TDS:
- 10% if PAN is submitted.
- Maximum Marginal Rate (34.6%) if PAN is not submitted.
Continuous Service
"Continuous service" does not mean working for the same employer. If you switch jobs and transfer your EPF balance from the old employer to the new one, the tenure with the old employer is added to your current tenure to calculate continuous service. Always transfer your EPF instead of withdrawing it when changing jobs!
Frequently Asked Questions
Can I withdraw my entire EPF balance while working?
No, you cannot withdraw 100% of your EPF balance while you are still employed. You can only take partial withdrawals (advances) for specific reasons like medical emergencies, marriage, education, or buying a house, subject to limits.
When is EPF withdrawal taxable?
EPF withdrawal is taxable if you withdraw before completing 5 years of continuous service and the withdrawal amount is ₹50,000 or more. If you withdraw after 5 years of service, it is completely tax-free.
What is the TDS rate on EPF withdrawal?
If your withdrawal is taxable (service < 5 years and amount >= ₹50,000), TDS is deducted at 10% if you submit your PAN. If you do not submit your PAN, TDS is deducted at the maximum marginal rate (around 34.6%). You can submit Form 15G/15H to avoid TDS if your total income is below the taxable limit.
Does '5 years of continuous service' mean with the same employer?
No. If you change jobs and transfer your EPF balance from your old employer to your new employer, the tenure with the previous employer is also counted towards the 5 years of continuous service.
Can I withdraw for medical reasons without completing 5 years?
Yes. Withdrawals for medical emergencies (for self or dependents) do not require any minimum service period. Furthermore, medical withdrawals are generally exempt from tax even if made before 5 years of service.