Apr 26
If you are withdrawing your EPF in 2026, you need to handle TDS correctly. Form 121 is now the key declaration used to avoid unnecessary tax deduction on PF withdrawals. Earlier, many relied on Form 15G or 15H. That has now shifted. In this guide, I break down: What Form 121 is and why it matters Who can submit it What EPFO checks before accepting it Common mistakes that lead to rejection How to avoid TDS legally