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When should I withdraw my EPF so that I dont have to pay income tax ?

1. I have left the company 2.5 years back and I have not yet withdrawn my EPF. When should I withdraw it to avoid taxation??  I heard after 5years  it is tax free.

The next comp I have joined and after leaving that also it is 1.5 years over and I have withdrawn the EPF of the  later company. Is that taxable again for this FY?

In other issue, The refunded money received from  Office mediclaim again would be taxable?

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