Avoid unnecessary TDS on EPF withdrawals. Understand when Form 15G or 15H applies, eligibility rules, income limits, and common mistakes that cause tax deductions. Form 15G / 15H for EPF (Quick Clarity) What this guide covers:  How Form 15G and 15H help reduce or avoid TDS on EPF withdrawals Who it’s for:  Employees withdrawing PF before 5 years of service or facing unexpected TDS Key reassurance:  Submitting Form 15G/15H does not mean tax evasion; it’s a legal declaration Wh