EPFO Pension Rules: How much TDS is deducted when withdrawing PF? Every employee should know these rules

Many employees believe that if TDS is not deducted when withdrawing EPF, the entire amount is tax-free. However, this belief is not entirely accurate. According to tax experts, non-deduction of TDS and non-levy of direct tax are two different things. The final tax to be paid is determined when filing your income tax return (ITR).

If an employee has completed 5 years or more of continuous service, there is generally no tax on EPF withdrawals.