How log to withdraw your pf amount?

After 5 years from the date of inception of the account or during retirement.

Withdrawing before 5 years would attract income tax liabilities. Let me explain.

Assuming your salary CTC is 5 lacs for this year and you withdrew your PF amount of say 2 lacs which you accumulated in 4 years, your net taxable income for income tax for this financial year would be 7 lacs.

If you had waited one more year, this 2+ lacs would have been tax free on your hands.