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You need to know this ! Form 15G and Form 15H are self-declaration forms that an individual submits to the bank requesting not to deduct TDS on interest income as their income is below the basic exemption limit. FORM 15G : Resident Individual or HUF or trust or any other assessee but not a company or a firm with age less than 60 years FORM 15H : Resident individual aged 60 years or more i.e. Senior citizen. If you've Fixed Deposit in banks then this rule will save your money TDS ON FD, TAX ON FD
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Form 15G is a declaration that can be filled out by fixed deposit holders (individuals less than 60 years of age and HUFs) to ensure that no TDS (tax deduction at source) is deducted from their interest income in a year. Form 15G can be easily found and downloaded for free from the website of all major banks. Additionally, this form can also be easily downloaded from the Income Tax Department website. | Bekifaayati
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