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This article lists the various forms, Form 15G & 15H to avoid TDS such as for Fixed Deposit or EPF Withdrawal before 5 years. It also lists the various forms one needs for EPF Withdrawal and EPS Pension.

Form 15G & Form 15H: Avoid TDS

The Income Tax Department has announced a new procedure regarding Form 15G & Form 15H  starting 1st October 2015. Key Changes are given below. Our article How to Fill Form 15G? How to Fill Form 15H? discusses the process of filling form 15G/15H in detail.

  • Forms have been simplified. Gone are the various schedules like Schedule 1,2 etc
  • Introduction of Electronic mode of filing Form 15G & 15H as an Alternate to Paper Form. No procedural rules has been prescribed as regard to filing of Form 15G. However, It seems Form 15G & 15H can be filed using Internet Banking facility or Similar facility for in case of Other institution which are making payment as provided in Section 197(1) or 197(1A) or 197(1C). –
  • The person responsible for making a payment or the Deductor shall allot a UIN (Unique Identification Number) to each Form 15G and Form 15H received.
  • The Deductor shall mention the particulars of these Form 15G & Form 15H received during any quarter of the financial year along with the unique identification number allotted by him in TDS Quarterly Statements, whether or not any TDS has been deducted by him.
  • The Deductor is no longer required to submit physical copy of Form 15G & Form 15H to the Tax Department.
  • However, these forms must be maintained by the Deductor for a period of 7 years from the end of the financial year in which these are received

The forms required for different categories have been listed below :

 Category of Tax Payer Income Tax Section New Form in pdf Form 15G in word

Form 15H in word format

 Old Form
Individual:Senior Citizen Sub-section (1C) of section 197A  New-Form-15G  New Form 15G Form15H (pdf)
Individual:Non senior Citizen Sub-sections (1) and (1A) of section 197A  New-Form-15H New Form 15H Form15G (pdf)
Trusts/SocietiesAvailable from Assessing Officer  15AASample form(pdf)

Banks which allow submission of Form 15G & Form 15H Online

Banks like State Bank of India allow for online submission of Form 15G & Form 15H. .

Generating Form 15G/15H online

Generating Form 15G/15H online

Please note that
• Form 15 G/H will be generated branch- wise.
• In case of Joint Accounts, form 15 G/H will be generated for the first account holder.

The YouTube Video on How to Fill Form 15G/15H online from State Bank of India Tutorials shows how to Submit Form 15H/Form 15G online. This video was published in Sep 2015 before the New Guidelines for Form 15G/15H were introduced. So it shows how to fill the old form.

EPF Withdrawal and Pension Forms

You can withdraw from EPF and EPS if you are unemployed for 2 months. You can also wait for two months to get a new job and then you can get your PF Account transferred to the new Account. However, in case of not getting the job , apply for the settlement before 36 months from leaving the last job as no interest will be paid after 36 months and the account will become inoperative.

If person passes away while in service or before claiming EPF and EPS, his family can claim EPF & EPS. Various forms required are listed here. Our article Basics of Employee Provident Fund: EPF, EPS, EDLIS, EDLI, Employee Deposit Linked Insurance SchemeHow to get information about EPF balance : Annual Statement, SMS, E-Passbook discusses the basics of EPF ,EPS and EDLI.

How to withdraw from EPF and EPS

You can withdraw EPF both the employee and employer contribution by submitting Form 19.

Withdrawal from Employee Pension Scheme, EPS,  depends on if you have more than 10 years of contribution to EPF. If you have more than 10 years of contribution to EPS you will get a Scheme Certificate.  You can apply for Withdrawal Benefit or Scheme Certificate through Form 10C for retaining the Pension Fund Membership. Retention of the membership will give advantage of adding any future period of membership under the Fund and attain eligible service of 10 years to get pension. The Family Pension Benefits will also be admissible in
case of death of member if before 58 years of age even with less than 10 years of eligible service.

If you are between 50 to 58 years and have done more than 10 years of EPS Contribution then you can also opt for Pension. But this will be reduced Pension. the Pension will be paid at a reduced rate from the date of leaving service or opted date or 50 years age, whichever is later. The pension will be calculated as admissible on completion of 58 years and will be reduced by 4% for each year backward.

You can withdraw EPF both the employee and employer contribution by submitting Form 19. Regarding EPS contribution the form that one can fill are given in table below

Your Age EPS Contribution Form Instructions
Less than 50 years Less than 10 Years 10C Withdrawal/Scheme Certificate
Less than 50 years More than 10 Years 10C Scheme Certificate(No Withdrawal benefit allowed)
Between 50 years to 58 years More than 10 Years 10C/10D Scheme Certificate or reduced Pension
Between 50 years to 58 years Less than 10 Years 10C Withdrawal/Scheme Certificate
Above 58 years Less than 10 Years 10C Withdrawal
Above 58 years More than 10 Years 10D Pension

 EPF Forms when the member dies

When the Member dies then Nominee/Beneficiary/Legal heir (as applicable) has to Apply for

  • For Final Settlement of PF through FORM 20
  • For EDLI Insurance amount through FORM 5IF , if Member was in service.
  • For Monthly Pension through FORM 10D if member had completed 10 years of service and Withdrawal through Form 10C if member has contributed less than 10 years of service.  Form 10D for claiming the Pension benefits, in case:
    • (i) The claimant is a family member (Spouse/child below 25 years age as on date of death of member)
    • (ii) Nominee for Pension, in case the member had no family and had nominated such nominee for Pension
    • (iii) Dependent Parents, in case the member had no family at the time of his/her death and had not nominated any one for Pension.

Form 10C for withdrawal Benefit, in case the member had died after 58 years of age and had not completed 10 years of service as on date of crossing 58 years age

Documents Required

  • Death certificate,
  • Guardianship certificate issued by a competent court of law, if the application is preferred by a guardian other than the natural guardian of minor member/nominee/family member/legal heir.
  • Copy of blank/cancelled cheque so that the payment may be sent through electronic mode in the claimant’s account.

You can withdraw EPF both the employee and employer contribution by submitting Form 20. Regarding EPS contribution the form that one can fill are given in table below

Members Age EPS Contribution EPF Form Instructions
Less than 58 years and working 10D

51F

For Monthly Pension through Form 10D

EDLI Insurance through 51F

Less than 58 years and not working 10D For Monthly Pension through Form 10D
More than 58 years and working More than 10 Years 10D

51F

For Monthly Pension through Form 10D

EDLI Insurance through 51F

More than 58 years and  working Less than 10 Years 10C

51F

For Withdrawal Form 10C

EDLI Insurance through 51F

More than 58 years and not working More than 10 Years 10D Pension
More than 58 years and not working Less than 10 Years 10C Withdrawal

Download EPF forms

Download EPF related Forms from EPFO website at Which Claim Form to Submit or from our website

Write your Mobile Number on top of form to get SMS alerts

New EPF UAN based forms

  1. EPF withdrawals : UAN-Based_Form 19 . Please do submit Form 15G to avoid TDS deduction if your service is less than 5 years.
  2. EPS withdrawals :UAN-Based_Form 10C(note that EPS withdrawal is only allowed if you have not completed 10 years of service.)
  3. Claiming Advance or Loan from EPF : UAN-Based_Form31

When the member dies:

If you have filled these forms and would like to share a filled sample then please do email us at bemoneyaware@gmail.com or leave message in comment. It would help other readers.

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