Find out how much EPF you can withdraw, whether TDS applies, and your net payout after deductions.
This calculator shows how much EPF you can take out now and what reaches your bank. Formula: eligible amount = balance × the share your reason allows (75% for partial withdrawals after keeping 25%, 90% at age 54+, 100% on final settlement). On a final settlement before 5 years of service above Rs 50,000, TDS is 10% with PAN or 20% without.
Sample values shown (Rs 3,50,000 balance, 4 years of service, final settlement after 12 months without a job, PAN given). Change them to get your own number.
Fill in your EPF details and click Calculate.
On 13 October 2025 the EPFO Central Board of Trustees merged the 13 partial withdrawal provisions into 3 categories (essential needs, housing needs and special circumstances), set a uniform 12-month minimum membership and required members to keep 25% of the balance. These changes are reported to have been carried into a new EPF Scheme from 29 June 2026; we could not confirm that notification from an official source, so check the EPFO website before you apply. Here is what each type allows.
Medical treatment, education (self or child), and marriage (self, child, or sibling). After 12 months membership. Up to 100% of eligible balance minus the 25% retention.
Purchase, construction, or home loan repayment. After 12 months membership. Up to 100% of eligible balance minus the 25% retention.
If you are 54 or older, you can withdraw up to 90% of your total EPF corpus even while still employed, one year ahead of retirement.
On losing your job you can withdraw up to 75% straight away. The remaining 25% (full settlement) can be withdrawn after 12 months without a job, up from 2 months under the old rule, per the EPFO board decision of October 2025.
Full 100% withdrawal of your EPF corpus at retirement. Fully tax-exempt if you have 5+ years of continuous service.
The most important factor determining your tax liability is whether you have completed 5 years of continuous EPF membership. TDS is deducted on a final settlement paid before 5 years, not on partial withdrawals. The Income-tax Act, 2025 also renumbered the forms used for TDS exemption from 1 April 2026.
| Situation | TDS Rate | Tax Treatment | Action |
|---|---|---|---|
| 5+ years of service | NIL | Fully exempt (Section 10(12) in the 1961 Act numbering) | No action needed |
| Below 5 years, amount above Rs. 50,000, PAN provided | 10% | Taxable as "Income from Salaries" or "Other Sources" in ITR | Submit the no-TDS declaration (Form 15G/15H, reported as Form 121 from April 2026) if total income is below the taxable limit |
| Below 5 years, amount above Rs. 50,000, no PAN | 20% | Taxable; the no-PAN rate was cut from the maximum marginal rate to 20% from 1 April 2023 | Link PAN urgently to avoid the higher rate |
| Below 5 years, amount Rs. 50,000 or less | NIL (TDS) | Still taxable in your hands but EPFO will not deduct TDS | Report in ITR if total income is taxable |
| Partial withdrawal (medical, housing, education, marriage) | NIL | TDS applies only to a final settlement before 5 years, not to partial withdrawals | Keep the claim documents |
Form 121 (reported, from April 1, 2026): Under the Income-tax Rules, 2026, Form 15G and Form 15H are reported to be replaced by a single Form 121. We could not confirm this in an official source, so check the official form mapping guide. If your total annual income including the EPF withdrawal is below the taxable threshold, submit Form 121 to EPFO to prevent TDS deduction.
Your eligible withdrawal depends on your reason, service length, and current balance. Here is the step-by-step logic used by this calculator:
| Withdrawal Type | Minimum Membership | Maximum Eligible Amount | Frequency Limit |
|---|---|---|---|
| Medical | 12 months | Up to 75% of eligible member balance | Unlimited |
| Education | 12 months | Up to 75% of eligible member balance | Up to 10 times |
| Marriage | 12 months | Up to 75% of eligible member balance | Up to 5 times |
| Housing | 12 months | Up to 75% of eligible member balance | Once for purchase; separate for renovation |
| Pre-retirement (age 54+) | None (age-based) | Up to 90% of total EPF corpus | Once |
| Unemployment (straight away) | None | Up to 75% of total balance | Once |
| Unemployment (12+ months) | None | 100% (full settlement) | Once |
| Retirement (age 58+) | None | 100% (full settlement) | Once |
Note: the EPFO board's October 2025 decision counts both the employee and the employer share in the eligible balance, with 25% kept back as a minimum balance. This calculator applies the percentage to the full balance you enter.
Your PF account is actually split into two parts: EPF (Employee Provident Fund) and EPS (Employee Pension Scheme). When you withdraw your PF balance, you are typically withdrawing the EPF portion. The EPS portion works differently:
Out of the employer's 12% contribution, 8.33% goes to EPS (capped at about Rs. 2,083 a month on wages above the Rs. 25,000 ceiling in force from 17 September 2026; it was Rs. 1,250 under the old Rs. 15,000 ceiling) and the rest goes to EPF. The employee's full 12% goes to EPF.
EPS cannot be withdrawn before 10 years of service; instead, you receive a Scheme Certificate. After 10 years, you become eligible for pension at age 58. If you have less than 10 years of service, you can withdraw EPS as a lump sum using Form 10C. Our calculator covers the EPF portion only.
You have Rs 3,50,000 in EPF after 4 years of continuous service, and you have been out of work for over 12 months, so you take a full settlement.
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Disclaimer: This calculator is for informational purposes only. EPF withdrawal rules are governed by the EPF Scheme 2026 and may vary based on EPFO guidelines, your specific circumstances, and state rules. Always verify your eligibility with EPFO or a financial advisor before withdrawing.
Sources: EPFO, ClearTax, BankBazaar, Bajaj Finserv, Income Tax Act 2025.
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