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Personal FinanceIndividual
EPF Withdrawal — Tax Calculator
Withdraw EPF before 5 years of continuous service and it becomes taxable. Compute the tax impact and net cash in hand.
Your inputs
5+ years (incl. transfers across employers) → fully exempt.
₹2,50,000
₹
₹2,50,000
₹
₹45,000
₹
₹45,000
₹
Apply your top slab — typically 5 / 20 / 30%.
Result
- Total withdrawn
- ₹5,90,000
- Taxable amount (incl. 80C reversal)
- ₹5,90,000
- Tax at slab rate
- ₹1,18,000
- Net cash in hand
- ₹4,72,000
Reviewed by CA team
Estimates only — rules change frequently. Please verify with a CA before you file, invest, or sign anything.
Assumptions
- Tax computed at your marginal slab rate — not including surcharge or cess.
- 5-year continuous service includes transferred balances from previous employers.
- Excludes the 10% TDS u/s 192A which EPFO deducts up-front but is adjustable in ITR.
Net cash vs tax outflow
How this is calculated
Reviewed by CA teamIf continuous service ≥ 5 years → 100% exempt u/s 10(12). Otherwise: Taxable = Employer's contribution + Interest on employer + Interest on employee + Employee's contribution (80C reversal) Tax = Taxable × your marginal slab rate TDS u/s 192A: 10% if PAN provided (20% without), only when amount > ₹50,000.
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