Form 15G / 15H 2026 - FD Interest Pe TDS Kaise Bachaye + Kaise Bhare
Verified by SkillUPBihar on 15 Jun 2026
Overview
Key Points:
Official Portal
Income Tax / Banks - verified link
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
- 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.
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