Should I declare my PF withdrawal in my Income Tax Return (ITR)?

✅ Yes, but only if it’s a full withdrawal made before 5 years of service. ❌ No need to declare:Partial withdrawals for EPFO-approved purposes Withdrawals after 5 years of service Withdrawals from PPF (Public Provident Fund)

Is TDS deducted on PF withdrawal before 5 years?

Yes, but with some important exceptions. TDS is NOT deducted if:The withdrawal amount is less than ₹50,000 Your job ended due to ill health, company closure, or reasons beyond your control (e.g. retrenchment, disaster)However, even if TDS is not deducted, the amount may still be taxable, an

Can I split my PF withdrawal into parts to avoid tax?

No. The tax liability depends on your service duration, not how many times you withdraw. If your total service is under 5 years, any full and final withdrawal is still taxable — even if done in small amounts across time.

Is Your PF Withdrawal Taxable? Here’s What You Need to Know

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