What is the income limit for submitting Form 15G?

You can submit Form 15G only if your total income is below the basic exemption limit:₹2.5 lakh under the Old Regime ₹3 lakh under the New Regime (default from FY 2023–24 onwards)Even though the new regime offers a rebate up to ₹7.5 lakh (from FY 2025–26), this rebate does not extend Form 15G eligibility. For Form 15G, the stricter exemption limit of ₹2.5L/₹3L applies.

Why is Form 15G important for EPF withdrawals?

If you withdraw EPF before 5 years of continuous service and your balance is more than ₹50,000, EPFO deducts TDS:10% (if PAN is linked) 34.608% (if PAN is not linked)Submitting Form 15G ensures no TDS is deducted if your income is below the exemption limit.

Do senior citizens also use Form 15G?

No. For individuals aged 60 years and above, Form 15H must be used instead.

Form 15G for EPF Withdrawal – A Complete Guide

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