Income Tax Dept Ki Khushkhabri! FD/RD Interest Par TDS Nahi Badhega Naye Kanoon Mein

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AuthorRiya Kapoor|Published at:
Income Tax Dept Ki Khushkhabri! FD/RD Interest Par TDS Nahi Badhega Naye Kanoon Mein
Overview

Yaar, Income Tax Department ne saaf kar diya hai ki FD aur RD ke interest par jo TDS katta hai na, woh naye Income Tax Act, 2025 ke tehat badhega nahi. Matlab, tumhare paise par koi extra tax ka tension nahi hai, sab wahi rahega jo pehle tha.

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Confusion Kyun Thi? Legal Bhasha Ka Chakkar!

Log thode pareshan ho rahe the ki naye Income-tax Act, 2025 mein FD aur RD par TDS ka rate badh jayega. Ye sab confusion isliye thi kyunki kuch legal sections aur definitions change hui hain. Jaise, TDS on interest Section 194A se naye law ke Section 393(1) mein shift ho gaya hai.

Good News: Rates Aur Thresholds Wahi Hain!

Par Income Tax Department ne clear kar diya hai ki ye changes sirf legal wording ke hain, tumhare tax par koi asar nahi padega. Banks ab bhi interest par 10% TDS kaatengi agar woh prescribed threshold se zyada ho. Agar tumhara PAN card nahi hai toh 20% TDS lagega.

Kitne Amount Pe TDS Katata Hai?

  • Individuals ke liye threshold hai ₹50,000 per year.
  • Senior citizens ke liye yeh limit hai ₹1 lakh per year.

Savings account ke interest par koi TDS nahi katta, haan woh ₹10,000 se upar taxable zarur hai Section 80TTA ke under.

Form 15G/15H Ka Kya?

Agar tumhari income taxable limit se kam hai, toh tum apne bank mein Form 15G (agar 60 saal se kam ho) ya Form 15H (agar 60 saal se upar ho) submit karke TDS rukwa sakte ho. Toh chill karo, savers ke liye relief hai!

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Disclaimer:This content is for educational and informational purposes only and does not constitute investment, financial, or trading advice, nor a recommendation to buy or sell any securities. Readers should consult a SEBI-registered advisor before making investment decisions, as markets involve risk and past performance does not guarantee future results. The publisher and authors accept no liability for any losses. Some content may be AI-generated and may contain errors; accuracy and completeness are not guaranteed. Views expressed do not reflect the publication’s editorial stance.