Form 15G या 15H: ब्याज आय पर TDS सेविंग के लिए कोन सा फॉर्म जमा करे

फॉर्म 15G या 15H: ब्याज आय पर TDS कटौती से बचने के लिए आपको कोन सा फॉर्म जमा करना चाहिए?

फॉर्म 15G/15H का इस्तेमाल टैक्स डिडक्शन के बिना इनकम घोषित करने के लिए किया जाता है।

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बैंक 40,000 रुपए से अधिक ब्याज की इनकम पर 10% TDS कटती है (वरिष्ठ नागरिकों के केस में 50,000 रुपये)

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यदि कुल टैक्स देनदारी TDS से कम है तो करदाता रिफंड का दावा कर सकते हैं।

Photo Credit - Unsplash

टैक्सपेयर I-T अधिनियम की धारा 197 के तहत टैक्स की कम या शून्य कटौती के लिए आवेदन कर सकते हैं।

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TDS के डिडक्शन को रोकने के लिए करदाताओं को अपनी शून्य टैक्स देनदारी के बारे में बैंक को सूचित करना चाहिए।

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अगर कुल इनकम एक्सेम्पशन लिमिट से अधिक है तो फॉर्म 15G को वापस लेने की सलाह दी जाती है।

Photo Credit - Unsplash

और बैंक अगले ब्याज भुगतान के बाद से TDS काटना शुरू कर देगा।

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फॉर्म 15G का उपयोग गैर-वरिष्ठ नागरिक करते हैं जबकि फॉर्म 15H का उपयोग वरिष्ठ नागरिक करते हैं।

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बैंक को पैन विवरण के साथ फॉर्म 15G या 15H जमा किया जाता हैं।

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Form 15G और 15H के बारे में अधिक जानने के लिए हमारा पूरा आर्टिकल पड़े जिसकी लिंक नीचे दि गई है.

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