Whalesbook
Kanooni Badlavan ne Paida Kiti Si Chinta
Naye Income-tax Act, 2025 de aawan naal kuch FD te RD khatedaran vich chinta pai gayi si. Unhan nu lag reha si ki term deposits te milan wali interest te TDS di dar vadha diti jaavegi. Yah chinta kanooni sections vich badlavan karke paida hoyi si, jive ki interest te TDS nu Section 194A (1961 Act) toh vadha ke naye kanoon de Section 393(1) vich le jaana, ate banking company di definition vich badlav.
TDS Rates Ate Thresholds Pehlan Varge Hi Rahange
Parantu, Income Tax Department ne bilkul spasht kar ditta hai ki eh kanooni badlav TDS di dar ya bank khatedaran te tax da bojh nahi vadhaun ge. Bank pehlan di tarah hi, 10% di dar naal TDS kattan ge jad interest ik nishchit hadd ton vadh jaave. Jekar Permanent Account Number (PAN) nahi ditta jaanda, tan TDS di dar 20% hi rahegi.
TDS kattoti di hadd vargi ik vyakti (individual) layi saal da ₹50,000 te varishth nagrikkan (senior citizens) layi ₹1 lakh hai. Bachat khate (savings account) di interest te koi TDS nahi lagda, parantu Section 80TTA vich ₹10,000 ton vadh hon te eh taxable hundi hai. Jo taxpayeraan da income taxable limit ton kam hai, oh Form 15G (60 saal ton kam umar waleyan layi) ya Form 15H (60 saal ton vadh umar waleyan senior citizens layi) bank vich jama karwa ke TDS ton bach sakde han.
Bachat Karn Waleyan Lai Nishchitata
Eh spashtikaran lakhan bank khatedaran nu nishchitata dinda hai jinhna nu vichara vishawas si ki legislative updates karan unhan de tax dian zimmedarian vich achaanak vadh ho jaavega. Department ne yakeen dilaya hai ki term deposits te TDS de asal pahlu naye kanooni badlavan naal badle nahi han.