Form 15G / 15H 2026 - FD Interest Pe TDS Kaise Bachaye + Kaise Bhare
⚡ 30-SECOND SUMMARY
Overview
Key Points:
📄 Complete Guide▾
Form 15G / 15H 2026 - FD Interest Pe TDS Kaise Bachaye
Bhaiyon, FD/savings ke interest pe bank TDS (10%) kaat raha hai aur tumhari income to tax-free limit me hai? Form 15G / 15H isi ke liye hai - ye declaration dene se bank TDS nahi kaat-ta (agar eligible ho). Form 15G un logon ke liye jinki umar 60 se kam, Form 15H senior citizens (60+) ke liye. Par dhyan - ye tabhi bhar sakte ho jab tumhari total income exemption limit ke andar ho (warna galat declaration pe penalty). Ye page: eligibility, online kaise bhare, 15G vs 15H, aur naya Form 121 update - sab clear.
Important: Form 15G/15H sirf tab bharo jab tumhari poori saal ki income tax-free limit me ho. Galat declaration (jab tax banta ho) dena offence hai - penalty + notice. Honestly assess karo.
Quick Info
| Detail | Information |
|---|---|
| Form 15G | Age 60 se kam, nil tax liability |
| Form 15H | Senior citizen (60+) |
| Kaam | FD/interest pe TDS rokna |
| Condition | Total income exemption limit ke andar |
| Submit | FY ke shuru me (har saal naya) |
| Validity | 1 financial year |
TDS Kab Kat-ta Hai? (FD Interest)
| Category | TDS Threshold (FD interest/saal) | Rate |
|---|---|---|
| Below 60 | Rs 50,000 se zyada | 10% (PAN ho to) |
| Senior citizen | Rs 1,00,000 se zyada | 10% |
| PAN nahi diya | - | 20% |
Itne se zyada interest pe bank automatically TDS kaat-ta hai. Agar tumhari total income tax-free hai, to Form 15G/15H deke ye TDS rok sakte ho (aur refund ka jhanjhat bachao).
15G vs 15H - Kaun Sa Bhare?
| Point | Form 15G | Form 15H |
|---|---|---|
| Umar | 60 se kam | 60 ya zyada (senior) |
| Condition | Total income tax-free limit me + tax nil | Total tax nil (limit thodi flexible senior ke liye) |
| Kahan | Bank, EPFO, post office, company (interest payer) |
Galti se galat form na bharo - umar ke hisaab se 15G ya 15H. Dono ka maksad ek - TDS rokna.
Form 15G/15H Online Kaise Bhare?
- Bank net banking / mobile app me login → "Form 15G/15H" / "TDS" section dhundo
- Apni FD/account select karo
- Form online bharo - PAN, income details, declaration
- Submit → acknowledgement download karo
- Branch me bhi physical form jama kar sakte ho
EPFO: PF withdrawal ke time Form 15G online (claim ke saath) submit hota hai (TDS rokne ke liye, agar service 5 saal se kam). Post office/company me bhi alag se dena padta.
Kab + Kitni Baar Bharna Hai
- FY ke shuru me (April me) - interest credit hone se pehle, taaki saal bhar TDS na kate
- Har financial year naya form bharna padta hai (1 saal valid)
- Har bank/branch me alag (jahan FD hai) + EPFO/post office me alag
Late bharne par jo TDS pehle kat gaya wo wapas nahi hoga 15G se - uske liye ITR me refund claim karna padega. Isliye saal ke shuru me bharo.
Naya Update - Form 121 (FY 2026-27 Se)
- New Income Tax Act 2025 ke under, FY 2026-27 se Form 15G/15H ki jagah naya "Form 121" aane wala hai
- FY 2025-26 ya pehle ke liye abhi bhi Form 15G/15H valid hai
- Confusion se bacho - bank/portal pe current form confirm karo
Transition phase hai - abhi (FY2025-26) 15G/15H chalega. Bank jo form de wahi bharo.
Scam Warning
- Galat 15G/15H (jab tax banta ho) bharna offence hai - penalty + prosecution ho sakta. Honestly bharo.
- "TDS refund jaldi" agents - 15G se TDS rokna ya ITR se refund hi tarika hai, koi shortcut nahi.
- Form sirf apne bank/EPFO official channel se bharo - fake "TDS form" sites se bacho.
Form 15G/15H FAQs
Q: Form 15G aur 15H me kya farak hai? A: 15G = 60 se kam umar, 15H = senior citizen (60+). Dono FD/interest pe TDS rokne ke liye, agar income tax-free limit me ho.
Q: TDS kab kat-ta hai FD pe? A: FD interest Rs 50,000/saal (60 se kam) ya Rs 1 lakh (senior) se zyada pe 10% (PAN ho to). PAN nahi to 20%.
Q: Form online kaise bhare? A: Bank net banking/app me "Form 15G/15H" section → FD select → details + declaration → submit. EPFO me claim ke saath.
Q: Kab bharna chahiye? A: FY ke shuru me (April), har saal naya. Late bharne pe kata TDS sirf ITR refund se wapas.
Q: Galat form bhar diya to? A: Jab tax banta ho tab 15G/15H bharna offence hai - penalty. Sirf tab bharo jab income tax-free limit me ho.
Q: Form 121 kya hai? A: New Income Tax Act 2025 ke under FY2026-27 se 15G/15H ki jagah aane wala form. FY2025-26 tak 15G/15H valid.
Ye Bhi Zaroor Padhein
- ITR for Pensioners/Senior Citizens 2026 - 80TTB + exemption + 15H
- Best FD Rates 2026 - FD kahan kхолo
- ITR Filing FY 2025-26 Guide - Income tax return
- ITR Refund Status Check - Kata TDS refund
- Senior Citizen Savings Scheme (SCSS) - 60+ Form 15H relevant
- Income Tax Slab Rates 2026 - Tax-free limit
Source: Income Tax Department + bank guidelines (incometax.gov.in). Verified 15 June 2026. Form 121 transition FY2026-27 - portal pe confirm karo.
Bhai, agar tumhari income tax-free limit me hai aur FD pe TDS kat raha hai to Form 15G/15H zaroor bharo - saal ke shuru me. Par jhooth mat bolo - tax banta ho to ye form mat bharo, penalty lagti hai. Honest declaration hi safe hai.
🔗 IMPORTANT LINKS
Is Page ka Author
Abhishek - SkillUP Bihar
Personal Finance Writer (Students & Govt Employees)
Content Writer. Official govt sources se verified content likhta hai. Bihar sarkari naukri focus. Har page kam-se-kam 2 official sources se cross-verified.
Verified by Md Saiyad Ali - Founder & Content Researcher
Related Finance Articles
Current Account Guide
Chhote dhandhe wale apna poora lenden ghar ke savings khaate se chalate hain, aur jab loan ki zaroorat padti hai to bank ke saamne dikhane ko kuch nahi hota. Current account kya hai, savings se kya fark, kaun se kaagaz lagte hain, aur minimum balance ka asli kharch - poora hisaab.
BankingAccount Types Guide
Bank khaate teen tarah ke hote hain aur unka fark minimum balance par tikta hai. 1 April 2026 se har bank ko zero-balance (BSBDA) khaata dena anivarya hai jisme minimum balance ki koi shart nahi. Salary account ka faayda kab tak chalta hai, naukri badalne par kya karein, aur charge kahan se lagta hai.
Banking & FinanceITR Common Mistakes 2026
ITR file karte waqt ye 8 common galtiyan refund atka deti ya income tax notice laati hain - galat ITR form, e-verify bhulna, Form 26AS/AIS mismatch, galat regime, wrong bank account. Last date 31 July se pehle inse bacho - full checklist yahan.
Banking & FinanceFreelancer ITR 2026
Freelancer/self-employed ho? ITR-4 (presumptive 44ADA - 50% income, gross Rs 50-75 lakh tak) ya ITR-3 (regular books) bharo. Old regime chahiye to Form 10-IEA. Advance tax (liability Rs 10,000+), GST + filing process - full guide tight aur clear.
Banking & FinanceSenior Citizen ITR 2026
Pensioner/senior citizen ho? Pension salary jaisa taxable. Old regime me exemption Rs 3 lakh (60-79 saal) / Rs 5 lakh (80+). 80TTB se FD/savings interest Rs 50,000 tak tax-free. ITR-1 form. 75+ ko filing chhoot (194P) - kab + kaise, full guide tight.
Banking & FinanceEPF Interest 2025-26
EPF interest 2025-26 kab aayega? Rate 8.25% confirmed (0.688% per month). Byaaj passbook mein June-August 2026 ke beech credit hota - delay se koi nuksan nahi (closing balance mein add). PF balance check (passbook/UMANG/SMS/missed call) - sab yahan.