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EPFO Claim Fixer Main EPF Withdrawal Guide

PAN not verified: higher TDS on PF withdrawal

Common Portal Messages:"PAN NOT SEEDED OR VERIFIED IN UAN PROFILE""HIGHER TDS RATE APPLICABLE DUE TO MISSING PAN""PAN NAME MISMATCH WITH EPFO RECORDS"

Quick Solution

Under Section 192A of the Income-tax Act 1961 (and Section 392(7) of the Income-tax Act 2025), if your total service is under 5 years and withdrawal is ₹50,000 or more, 10% TDS applies with verified PAN, but 20% TDS applies if PAN is unlinked. Uploading Form 15G/15H waives TDS if eligible.

Resolution Time1 to 3 working days for Income Tax API verification
Key Proofs2 Listed
EPFO Portal FeeFree
Last Verified11 October 2026

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Steps

  1. Log in to EPFO Member Portal

    Sign in at unifiedportal-mem.epfindia.gov.in with your UAN and password.

  2. Navigate to Manage > KYC

    Select PAN, enter your 10-digit PAN number, and click Save.

  3. Automated Income Tax Verification

    The system validates PAN details with the Income Tax department database automatically.

Fees

  • PAN Seeding FeeFree

Fees change. Confirm the current amount on the official portal.

Usual time 1 to 3 working days for Income Tax API verification

Independent guide, not a government website. Submit on official portal.

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Detailed instructions

PAN not verified: higher TDS on PF withdrawal: step-by-step

Statutory source: Section 192A of the Income-tax Act, 1961 (and Section 392(7) of the Income-tax Act, 2025) & EPFO TDS instructions. Checked on 11 October 2026.

Avoiding 20% TDS on EPF Withdrawal

Under Section 192A of the Income-tax Act, 1961 (and Section 392(7) of the Income-tax Act, 2025), if your total EPF service is less than 5 years and your withdrawal amount is ₹50,000 or more:

  • PAN Seeded & Verified: TDS is deducted at 10% (or 0% if Form 15G / Form 15H is submitted).
  • PAN Missing / Unlinked: TDS is deducted at the maximum statutory rate of 20%.
  • Service $\ge$ 5 Years: 0% TDS (tax-free withdrawal regardless of amount).
  1. Log in to the EPFO Member Portal.
  2. Select Manage > KYC.
  3. Choose PAN, enter your 10-digit PAN number, and click Save.
  4. The Income Tax department verifies the PAN details automatically.

Read our full EPF Withdrawal Guide to learn how to upload Form 15G/15H to save tax on withdrawal.

Still Rejected? Official Escalation Route

If your online correction or employer approval is stuck after following these steps, you can file an official complaint on the EPFO I-Grievance Management System (EPFiGMS).

File Official EPFO Grievance (EPFiGMS)