Save Tax on FD | FD Interest TDS Limit 2024 | FD ka TDS Kaise Bachaye 2024 | TDS on FD | ITR | How
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- เผยแพร่เมื่อ 21 พ.ค. 2024
- यदि आप चाहते हैं कि बैंक आपके FD के Interest पर TDS न काटें तो कर लें ये काम
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Form 15H: letsmakecompany.com/l/Form 15H - For Senior Citizens.pdf
Form 15G: letsmakecompany.com/l/form-15...
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letsmakecompany.com/book-cons...
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How to Save TDS on FD | FD Interest TDS Limit 2024 | FD ka TDS Kaise Bachaye 2024 | TDS on FD | ITR
यदि आप चाहते हैं कि बैंक आपके FD के Interest पर TDS न काटें तो कर लें ये काम।
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Team Income Tax Wala
Agar 80 lacs ke kareeb amount ho to kya Karen. Account kitne banks mei kholein, senior citizens ke liye hai yeh question
15 H regularly bhara jata hai.
Return nahi bharte hain agar to kya hoga.
आज-कल तो सारे बैंको में आधार पेनकार्ड लिंक करवाया है तो इंकमटैक्स पोर्टल पर सारे बैंकों के खाते दिखते है तो ऐसे केस में टेक्स कैसे बचाएं?????
@@vimaltelang9054 very simple . Either study the IT act and current provisions or consult a CA.
Take advantage of the options under Sections 80 C/D /G to the maximum.
🎉 Thanks a lot for a very useful informative video.👏👏👏👌👌👍
Glad it was helpful!
waah sir kya explain kiya hai..thank you...aur bhi vedio bna do pls sir ek individual salaried or pensioner k liye...tax kese bachaye uske regarding
Thankyou so much, we will consider your concern. Soon you will get such kind of video,
Here is one unique video for you. watch till end.
th-cam.com/video/nk_M8dRmVgk/w-d-xo.html
Sir the position you explained in a very nice way and very much helpful. Thanks.
glad you find it useful Thanks
subscribe this channel also to ask more questions
sir agar kisika FD 5 sal se chal raha hai or ushne FD Interest 1000000 ka mature hua hai is sal jo ki AIS main Show kar raha hain likin o har sal ka interest ka income ITR main show karta hai. or jo balance Interest income hain o is sal dikhayga .. is this right Method? keya koi Notice A sakta iske liye ?
Thankuu Sir .good information k liy
always welcome
share this video max to aware people
informative, key learning for people filing taxes ie not to submit forms of 15G/15H if falling under taxable income slabs
Thanks, it's applicable in both tax slabs
Very much useful,.... By watching ur video I saved money......
Glad I could help
Sir, bond me investment kiya hai to kis ko tds form dena hai bank ko ya corporate company, government bond,kis ko please reply or kab dena hai
Nice information ❤❤❤
Thank you for the valuable information.
Glad you like our videos ☺️
Very informative video thanks Sir
Most welcome thanks
Thanku Very Much Sir
glad you like our videos
Very Nice information, Sir 😊
Thanks and welcome
Thank you Sir Very nice information
Glad you like our videos
Mere EPF me pichle 3 company ka EPF add hua hai 2018 se 2024 tak. Akhri company me sirf 9 month kaam kiya hai June 2024 tak.
Agar hum abhi pura EPF amount withdrawal kare to tax bharna padega kya.
Your way of teaching is very nice sir
Glad you like our way of explaining
very good, thanx a lot
Thanks
Do subscribe to our channel for more informative videos
For a sr.citizen. rebate on FD intt.is 50000/ whether SB intt. rebate of 10000/ is in addition or inclusive in 50000/ pl. clarify
GR8 thnx sir
Most welcome, thanks
Thank you for your very good video
Glad you liked it
Sirji apartment maintenance amount five lacs hai pan card nahi hai Tds kaise bachaya Jay pl guid
Sir agar Age 60+ hai or usne form 15H bank me jama kiya huva hai....fd tds deduction na ho esliye....but Unka FD internet 3,60000/- to kya 80ttb me claim kar sakte hai....
Very good video. Dear.
Many many thanks
Very good information
Glad you like our videos. Keep watching and sharing
Sir ...Agar mera fd par interest 23000 hn..or yeh income from other sources par show ho raha...aur iske karan mera tax nikal raha...kya ye kisi exemption mn aayega...kaha jaata hn 40000 tk tax ni padta
Valuable topic
Thanks Subodh - keep watching and sharing our videos
Thanks sir
Welcome
Sir june 2024 ke months mai mai apne papa ka 15H form submit kiya tha mere papa ko 4 FD kiye jisame se har month intrest aata hai but iss baar iss baar 2 FD se jo intrest mila usme TDS deduct nhi huaa but baki ka 2 FD se jo interest milna tha usme se 10% TDS deduct ho gaya pahli baar aisa huaa pls reply apka reply ka intzar rahega sir
Sir mujhe seving account se 42 thousand kaa intrust mila. Or FD se 35 thousand kaa intrust mila. To kya mera bhe TDS deduct hoga.. meri ITR 5.5 lakh ke hai.. plz ans
Sir मै आपका न्यू सब्सक्राइबर हुँ.
Thankyou so much 👍
Sir my salary is 3lakh 60 thousand per year and ager yearly FD income 40 thousand se jada hai tho kya mera tax deduct hoga ?
Alag alag bank me FD pr to to TDS nhi katega aaisa aap keh rahe
Pr PAN CARD to link rehta h dono bank me
Reply please
Very nice 🎉🎉
Thank you! Cheers!
one question.... ye jo fd ki income itr me show krna jaruri hota hai .. kya ye sirf unke liye jaruri hai jo interest ka payout monthly savings account me lete hai ya jo cumulative fd rkhte hai unke liye bhi jaruri hota hai.. by the way you got a new subscriber 😊
1. FD ki income itr mai show karna madantory h.
2. interest monthly mile ya cumulative. it mandatory for all
A BIG THANKYOUR for being our subscriber. We welcome you in our Subscribe family.
Pension income also taxable?
Good
Thanks
Thank you very much for sharing useful knowledge.
A query - suppose a person come under IT 20%. Slab. In addition, his 30 lacs FDs in 10 banks. Banks will not deduct IT. But after adding complete interest from all 10 FDs in 26AS, whether IT will be payable or not. Hope my question is clear plz.
All the best !
see if you are covered under 20% tax slab , then let the bank deduct TDS . there is no benefit of FD in 10 banks .
you have to pay tax on entrire interest on 30 Lac fd as per your applicable tax salb rates.
Subscribe this channel for more updates and quick answers
Accrual Interest aur Interest paid mai kya different hai
Meri 800000 ki f.d.jo annual meture hoti hai aur tds cut hoker rupees credit hua phir intrest ma quarterly mila alsa dikhate hai to kya karu?
accured interest mean jo interest aapne kama liya lekin milega maturity pe.
interest paid - yaani jo interest aapne kamaya aur aapke bank mai jama ho chuka hain
पेंशनर्स के लिए टेक्स बचाने के लिए बतायें
Sir total income below basic exemption hai.. PY 23-24
Fd par int TDS kata hai... For py 23-24
Kaise refund claim kar sakte hai.. for py 23-24individual below 60.....
Iske liye konsa itr bharna padega agar pension income bhi sath sath..
15G/15H form कोनसे व्यक्ती भरे gross total income 250000/-₹से कम हो या taxable income250000/₹से कम हो pl explain eg one person have gross total income 300000/-₹ and he invest 150000/-₹ in NSC U/S 80CC can this person submite 15G form in bank?
New TDS limit kitna hai
Thanks sir kya nre account me bhi tds deduct hota hai
yes
Ek sr citison pensnr first time I t return fail karna chahtahai un ko f d interst bi athahai
Yes. fd interest bhi itr mai dalna hain
infact, saari income itr mai likhni hain
Sir new tax regime ki itr fill karne per ppf main 150000 jama karne par ppf main koi tax katega meri itr nill hai ji
new tax regime mai PPF mai 150000 jama karne ki koi deduction nahi h
watch this video till end
th-cam.com/video/Xd7nyJ0xTxM/w-d-xo.html
subscribe this channel for more updates
I have been told that in new tax regime No Deduction is allowed. So investing in PPF, mutual fund etc is of no use. Please tell me about this. Thanks
this is right but still new tax regime has few deductions
watch this video till last to understand
th-cam.com/video/R2uXf4udJYg/w-d-xo.html
Subscribe this channel for valuable updates
I dont come under tax slab as my income is less than 2.5 lac pa, but Sir my question is, as u said we can diversify our fd in different banks for eg. 15 lacs in 3 banks. But through pan card the income tax department can trace our interest income on fd??. So what is the use of doing fd in different banks sir.
see, diversify of income is just for avoid tds.
in your itr , you must show all income from all sources .
Sir
Postal MIS 4400/-pm
Bank FD interest single account 70,000/- yearly.
LIC premium ₹20,000 /- yearly only.
Husband pensioner age 50 Jt account Pensioner account ₹35,000/- pm,
Bank me 15g form barsakte hai, koi other income nahi hai house wife.
ITR barna hoga.
Form 15 g file kar sakte h. Koi problem nahi hai
Sir of a person is getting 1 lakh rs in his account
Of which 50000 I's from the post office fd Than how much it will be deducted
15g file karne ke baad zero tax deducted
Sir here with fd interest can be add rd interest or only fd interest?
fd interest and rd interest both are different
Sir If i do fill Itr then there have any need to submit further 15 g ?
see form 15 g or 15 h is for avoiding tds .
it does not have any link of filing of itr or not.
but it is recommended to file itr always
How much amount earning if I cross in a financial year, then I have to submit itr ?
Please mention that amount
watch these two videos till end for solution
th-cam.com/video/k_5R7fzYMpU/w-d-xo.html
th-cam.com/video/X2C7ob8uIPA/w-d-xo.html
Sir agr income from all sources 6.5 lac h annually toh 15g/h submit kar skte haina??
Yes, if file itr in new tax regime
Sir, good evening
Sir m salaried nhi hu ..nahi business etc karta hu... Self employed hu ...thoda bohat kama leta hu... Aur m stocks m invest karta hu...
halaki mera koi tax nhi kata
...jab ki mne form 26As padha hai to usme tax deducted nil hai.... Sab sections m ...To kya mujhe itr file karna cchiye?
M bohat confused hu...ki itr kab file nhi karna chiye.
100% itr file karna chahiye. Due to share trading
Aaj kal bina pan ke koi bhi transaction nahi ho sakta to fir system ko automatic hi age ka sangyan le kar tds usi hisab se Kate.
you are right , but tds save kiya ja sakta h
@@incometaxwallah yes but form 15 G/H bharna hoga aur submit karna hoga. At least seniors ki age ka computer dhyan rakhe to unko to rahat ho jayegi.
And going one step further it can be done for all . Total income is already reported to the department and computer can automatically recognize who’s income is taxable and whose is not.
This form filling is waste of paper time and man hours in the banking and finance sectors.
This is now possible because not a single transaction is possible without PAN and Adhaar is already linked .
Aapke bataye hue tarike se agar FD 3-4 banks spread Karen to yeh sare interest club nahin ho jayenge.
Secondly agar aap taxable income ke under aate hain to bhi aisa diversification se tax bachaya ja sakte hain
1. club honge but itr mai . aur itr mai taxable income 7 lac hain
2. second point mai you are absolutely right.
if any taxpayers has income above taxable limit then no need to file 15 g/h or any other things
Sr Seenier citizens ko kitna income par tex chut he batayenge plase
Ham retired person he meri FD se 3900000/- income hui he aur 34921/- TDS kata gaya he mex. Kitna intrest tak choot he hamko batayiega sr please
interest of 50,000 ki deductions hain senior citizen ke liye.
income tax mai aapke liye basic exemption limit h 3 lac rs.
These deduction allowed in New Tax regime
पोस्ट मे FDR intrest par tds nahi katta jatta hai only 5year sccs intrest me TDS deduction hota hai
form 15h submit kera kijiye
Sir ur suggestions are really amazing but agar fd 5 lkh se jyada alg-2 bank me krenge to total income jyada ho jayegi then they will send u notice to ask details of income?
Plz reply🙏🙏
First of all , Thank you so much for your compliments,
See, interest income agar 40k se jyada hoti h to form 15g/h file kijiye
koi notice nahi aayga
@@incometaxwallah thnks fr the reply sir but I'm asking ki it department can send notice for the amnt that u have deposited in each bank ki us income pe tax bhariye jispe inntrst Mila hai.
income tax notice tab bhejega jab aap aapni saari interest income ko itr mai show nahi karoge.
Sir agar Ek hi bank mein 2 lakh ki 5 fd karaali alg alg dates ki..kya tab bhi tds katega? Kyunki sath m to 40000 kisi b fd ka interest nahi aega.
Alag alag bank m karni h
Sir mi 14 lakh ka fd karana chahta hu SBI yono se to 400 din ka 7.10% wala to kya tds katega aur katega to kya karna hoga.and i am railway employees but income less than 5 lakh aprox 4 lakh .
aap bank mai form 15 G submit ker dijiye - aur apani itr new tax regime mai file kijiye
salaried persons ke liye 7.50 lac income tax free h
NSir, if I get more than 40k( suppose 46k) in 2 year, then there have any tds ?
as ,I can't get this amount in a year, I am getting it in 2 year .
Please reply sir
46k in two years, no tds applicable on you.
you asked intelligent questions.
Thanks and keep asking
80G में 60000 दान करने पर क्या फार्म 10E भरना अनिवार्य है क्या सर जी, कृपया बताने की कृपा करें।
जरुरी नही हैं
New tax me health insurance premium bhi nhi allow hai sir guide
Not allowed medical benefits in new tax regime
Any tax deductible on RD in bank please? I am a defence pensioner.
yes , if total interest on rd in a year is more than 50 k
Sir total income upto ₹.2.5 lacs I think no income tax will be pay (1 year) it is correct sir?
Yes, correct
Sir jdi job par tax bar rhe h,to fd par 40k tak ka interst Bina tds pa skte h kea
yes,
Please advise. I have sold inherited property for less than Rs.50 lacs. Am I eligible for tax rebate on this amount, please inform. Thanks
see, inherited property covered under income form capital gain.
you are eligible or not - it depend upon your income (capital gain + pensions + interest etc)
House loan lena chahiye double benefit hoga. 80 c bhi milega 1.50 lac tak 100.percent intt bhi less ho jayega
you are genius and absolutely correct.
Helpful information sir .I am a medical practitioner.how can submit 15 G online if a current account
yes, if your income is not taxable.
if i earn more than 1 lakh in a financial year from mutual fund,thrn 10% tax is applicable on total earnings or that exceeds 1 lakhs ?? please reply sir
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15 g or 15 H me declare karna hota hai ki aapne kitne bank me ye form submit kiya hai aur waha ki income
No
Little knowledge is dangerous thing
WhatsApp University k gyani😂😂😂😂😂😂😂
Sir form 15g submit kane k baad bhi Bank TDS kaat rahe hai kya karenge
bank se contact kijye aur aapne jo form 15g submit kiya tha. use remind karaiye. bank se shayad apne system mai update nahi kiya hain
15 g 15 h ko kaise fillip karna hai.pl explain kijiye
sure,wait for our next videos
Thanks Sir.
Sir is there have any way to avoid 10% ltcg from index mutual fund if total earning exceeds 1 lakh?
No way
Sir meyhod no 2 , in total the FD amount is sum of all four banks so how no income tax
We are talking about no TDS on fd. And if Income above taxable limit than tax has to pay. Tax regime also must consider
Sir, Im senior citizen of 69 having only interest income of Rs.125000/- .Plz.confirm whether or not I need to fille ITR. Thanks
no need to file itr
Can you Please Focus on NRO Account Holders TDS .
Sure. wait for our coming videos
Give me contact number
whatsapp 8448820207
bro mujhe koi income nahi he mere pass 10 lakh he to me kya Karu kese bank me lagyo
Bank m fd kera sakte h. Ya aur kuch Jo aapko sahi lage
Sir ji Meri income700000 lakh se Kam hai
But My son Canada and Newziland m hai
Unki Tfr per bhi tds Kate ga ,?
haNewziland
New
no tds deduct
Sir, agar ek hi bank mein alag alag FD kiya but total intetedt on all FD combined exceed 50k, is csse mein TDS kaun se FD se katega. Fir example 2 FD, 30k interest in each.
30 k par kisi bhi bank Mai tds nahi katega
@@incometaxwallah sir agar 1 hi bank mein same PAN par 2 FD hai same branch mein 30k interest each. This case I am asking sir please.
In this case tds applicable and deducted by bank
Sir, mera income 20% tax slab me he. Aur mera fd 3 alag alag bank me kiya jiska fd intrest below 40000 he jisse bank ne TDS to nahi kata
But jab ITR bhar raha hu to FD ka total intrest automatic other souce of income me aa raha he. Jisse muje us per 20% tax calculate ho raha he.
To kya sahi he. Us per tax lagega ya 80tta ki tarah 40K tak intrest save kar sakte he?
Pls clarify
Sir jo 30% tax slab mei aata h uska tds aur phir 30% tax katke FD ka effective milne wala interest bahut kam ho jata h..toh kya arbitrage fund safe hota h for tax saving purpose??
pahali baat to ye ki jo 10% tds hota hain wo 30% wali tax liability mai adjust ho jata hain
arbitrage funds mai risk involve hain
@@incometaxwallah sir ispe detail video banaiye
Sure
Central government employees health insurance.ka rebate le Sakata hai ki nahi
Lr sakte h. If paid health insurance premiums
Sir mujhe 3 laks rupees fd karna h Post office me kaise kare basic se help me fd shi rhega ya koi aur option 5 years ke liye for women
basic fd ok hain
@@incometaxwallah basic yani starting se hme samjhaye ki account opening aur fd ka process plz
Not beneficial for people who are in 30% tax slab, if we avoid, then while filing ITR, we will have to pay not only the tax but also interest
these options and solutions are only for those people who have no taxable income.
@@incometaxwallah it should have also been made clear in the beginning
ok ji
Rupees 40,000/- interest. Tax fre hai .Agar muze 80,000 interest milta.hai to pure 80,000 pe TDS kat Lena galat bat hai
80,000 minus 40,000 =40,000 pe hi TDS lagna chahiye na sir
You are right, but Dekhiye, 40000 pe TDS hoga to govt ko tax milega 4000 aur 80k par 8 k tax milega. Aur sarkar hamesha wo kaam kRti h jisse tax jayada mile.
Health plan me deduction 100000 hai ya 25000
25000 to 100000
What benefits Govt give in lieu of taxes we pay?
You are right 👍
4 banks me FD rkhne se tax nhi bachaya ja skta
Income tax site par PAN se interest ki sari detail automatic aa jati hai ab
Lagta h aapne hamari video complete nahi dekhi.
@@incometaxwallah complete dekhi hai saheb
tds bachaya ja sakata h.
par kese tds bachega sir PAN k adhar pe to bank fd pata chal hi jayegi na
@@yoginnicepatel7145 bilkul sahi keha
No Need Of TDS etc. Tax Pe Tax Is Not Necessary For Development.
tds hoga as per law
How do you claim for 87a rebat?
download this Auto Tax Calculator and feed income figures upto 7 lac in new tax regime. section 87a tax rebate will be cleared
bit.ly/AUTO-TAX-CALCULATOR-AY-2024-25
Sir mera post office me 50000 ka fixed deposit (kvp) hai kya esper TDS kata jayega ? Reply must
No
no
❤❤
Glad you like our videos
Sir mai 3 lakh ki fd krna chahta hu or mai government employee hu mai salary 28000 hai mera tds too nahi cut hoga sir
Nahi katega, go ahead
Agar kisi ka koi monthly or regular income hi na ho matlab source of income nhi ho sirf FD ka hi interest income ata hai to fir usko bhi Tax dena parega? TDS wapas nhi milega
TDS wapas mil sakta h agar income 7 lac se kam h too
@@IveyRoy-e4r no
666 days me interest 83000 19 jun ko milna tha .
Is 83,000 ke alava koi income ni h . But 13700 rs bank ne kaat liya .
Can it be return back sir ?
yes, 100% amount refund ho jayegi
Sir is there have any tds in rd like fd .if yes then please mention the rules
same rules applicable
If fd+rd > 40k in a year then there have any tdas ?
no