Question
Can I withdraw my full EPF after leaving a job, and is it taxable?
Answer
Bottom line: You can withdraw your PF after leaving, but it is taxable if you had less than 5 years of continuous service.
1. When
EPFO allows 75% after one month of unemployment and the balance after two, via Form 19.
2. Tax
Exempt if you complete 5 years of continuous service; taxable if you withdraw before that.
3. TDS
10% applies on a pre-5-year withdrawal above ₹50,000 (20% without PAN).
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This answer is general information based on the law as it stood when written and is not professional advice on your specific situation. Verify the current position and consult a qualified professional before acting. See our disclaimer.