Hamein kahin bhi fd ki jarurat hi nshin ham roj badalte ruls aur nautankiyon se tang aa chuke hain apna paisa khud khao warna bank aur sarkar kha jayegi
Indian market paise dalne ke layak nahi hai... Karan bahut hai govt. Se lekear technical level tak. Sab sudhar jao aur future ke chakkar me kamaya paisa mat gawai❤❤🎉 Log bank me paisa nahi dal rahe isliye markets natak kar rahe hai
Sir, doosre CA ke hisaab se 10lac ki FD in a year kahin bhi karane se information IT deptt ko jati hai kyonki PAN, Aadhar linked hai. Please guide karo.
Agar kisika char bank me account hai aur char bank me FD karate hai to pan card se uska sab bank se income pata chal gaiga ap is par vedio please banaya
Bank deduct 10%tds on at amount of acrual interest of fd ànd again 10% tds deducted on amount acrual interest at the time of payment as a part of principal amount. Meaning tds is deducted twice on same amount. This is happening sbi and hdfc bank. Pl look in the matter.
For Non-Resident Indians (NRIs), the tax treatment of income earned from Fixed Deposits (FDs) in India is as follows: 1. Taxability of FD Interest Income Interest on NRO FDs: Fully taxable in India as per the slab rates applicable to the NRI. Interest on NRE FDs: Fully tax-exempt in India if: The NRE account is maintained as per FEMA guidelines. The NRI status is retained. Interest on FCNR FDs: Tax-free in India. 2. TDS on FD Interest NRO FDs: Tax Deducted at Source (TDS) is applicable at 30% (plus applicable surcharge and cess). NRE/FCNR FDs: No TDS is deducted as the income is exempt. 3. Double Taxation Avoidance Agreement (DTAA) If the NRI resides in a country with which India has a DTAA, they can avail reduced TDS rates or claim tax relief under DTAA. A valid Tax Residency Certificate (TRC) from the country of residence is required to claim DTAA benefits. 4. Filing Income Tax Return in India If the NRI’s total income in India (including interest from NRO FDs) exceeds the basic exemption limit, they need to file an income tax return. Even if TDS is deducted, filing a return may help claim a refund if the NRI’s actual tax liability is lower than the TDS deducted.
F D mein kabhi bhi Paisa na lagayen Property mein lagayein ya sjare market mein lagayein. Main ney 1988 mein 120000 rupeer bank mein rakha that time mere gaon mein 6500 ka il khet milta tha agar deal karta 120000 mein 2 acre miltey after 189 years bank gave mein 6lakh 40 hazaar rupees magar properties prize become 85 lakh per acre.. and Plus 18years yealds they earnd from 2 acres.Don,t be fooled by Banks.
SBI a/c type : SB TINY SPL OD GEN PUB IND (over draft) type ka account h .kya mai is account me fixed deposit or mutual fund & equity me use kar sakta hu. Ya fir sbi type : regular savings account me convert krvana hoga. Plz help me sumit sir.... waits
SB TINY SPL OD GEN PUB IND account is typically a basic savings account with overdraft (OD) facilities. It is designed to meet basic banking needs, especially for small-scale users or individuals with specific requirements. Key Points About SB TINY SPL OD Account: 1. Restrictions on Usage: Such accounts often have limitations on transactions, account balance, and usage for investments like fixed deposits, mutual funds, or equities. 2. Overdraft Facility: It allows you to withdraw more than the available balance up to a certain limit, but you may not be able to directly link it to fixed deposits or investments. For Investments (FD, Mutual Funds, Equity): To invest in fixed deposits, mutual funds, or equities, banks generally recommend a Regular Savings Account, as it provides: 1. Flexibility: No restrictions on linking investment products. 2. Eligibility: Better suited for managing and tracking investments. 3. Ease of Transactions: No limits on deposits or withdrawals (as applicable to Tiny accounts). --- Recommendation: If you plan to invest in FDs, mutual funds, or equities, it’s advisable to: 1. Convert Your Account: Upgrade to a Regular Savings Account by visiting your SBI branch. You might need to provide updated KYC documents. 2. Confirm Investment Eligibility: Check with the bank whether the existing account can be linked to specific investments.
Sir aapne bataya hai 1 financial year me 42000 interest aata hai to 42000 pe tds katega . Jab 40000 tak tds ki chhut hai to 2000 pe tds tds katana chahiye mujhe mujhe conform kare please.
Sir mene ek plot October 2023 me sale kiya tha 8 lakh ka fy 23-24 ki itr me capital gain 2.34 lakh show Kiya tha current financial year me April 2024 me 7 lakh ek dusra plot sale kiya tha and July 2024 me un pese se 20 lakh ki fd ki next itr fy 24-25 ki tr me capital gain show karta hu tab koi notice aa skta hai kya
Sir me yeh janna chhahta hu ki agar koi upi se payment leta hai aur uska source income tax department ko nhi bata pata hai to kitna tax and penalty dena hoga
Agar koi vyakti UPI se payment leta hai aur uska source Income Tax Department ko justify nahi kar pata, to yeh payment "unexplained income" ya "unexplained cash credit" ke roop mein treat kiya ja sakta hai. Is par tax aur penalty lagne ka provision hai: 1. Tax Liability Agar payment unexplained hai, to us par 60% ka flat tax rate lagta hai (Section 115BBE ke tahat). Is par 25% surcharge aur 4% health & education cess bhi lagega, jisse effective tax rate kareeb 78% ban jata hai. 2. Penalty Section 271AAC ke tahat, agar income unexplained hai, to us par 10% ki additional penalty lagegi. Is penalty ke liye condition hai ki aap assessment proceedings ke dauraan unexplained income admit karein. 3. Total Impact Effective tax and penalty mila kar aapko kareeb 84% of unexplained income dena padega (78% tax + 10% penalty). Example: Agar aap ₹10 lakh ki unexplained UPI payment nahi justify kar pate, to: Tax: ₹7.8 lakh Penalty: ₹1 lakh Total: ₹8.8 lakh Advice: 1. Payment ka proper record rakhein (bank statement, invoice, etc.). 2. Agar source genuine hai, to uska documentation ready rakhein. 3. Agar notice aata hai, to CA ki madad lein.
Sir mene june 2024 me 6 lakh ki fd break karke july 2024 me new 9.5 lakh ki fd ki hai same bank me and 1 lakh ki new fd dusre bank se ki hai total 16.5 lakh ki fd ho gyi current financial year ke andar me iska interest me apni itr me bharta hu last three year me apni incone 4 lakh per year ke hisab se show ki hai itr me to kio problem to nahi hogi it department se
Investment in stocks and shares is risky and government will be charging 30% incometax in the name of simplification from the next FY. Every year the public is made fool. Industrialist will hold their company's stocks for ever and no tax will be paid but every year the value will go up.
@CASumitSharma so what the use of depositing separately 9 lac in three banks ,🤔 .? plz clarify it . And if it is from coming online then is it any problem ?
व्याख्या के लिए धन्यवाद! मुझे कुछ सलाह चाहिए: मेरे पास SafePal वॉलेट है जिसमें USDT है, और मेरे पास रिकवरी वाक्यांश है. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). उन्हें Binance में भेजने का सबसे अच्छा तरीका क्या है?
Sir mere post office ma or bank ma 5-6 fd h jo ki alag alag sal ma hue h phele mena 1.5 lac ki fd hue Jo complete hone ke bad with interest FD dobara karva Di or ek or fd 2 lac ki karva Di is prakar meri FD ki amount 8 -9 lakh Tak pahunch gai hai maine abhi tak koi ITR nahin bhere h yadi main ITR file Karun to mujhe total amount ka source batana hoga or ITR ma show karna hoga ya Jo interest aa raha hai in case first time ITR please reply
Sir 23000 short term realised profit 502000 long term realised profit 33000 futures profit 558000 total profit 3000 or 4000 dividend hoga is saal dec tak..plz tell me mereko kitna tax pay karna padega ..meri aur koi income nahi hai..kya mai thoda aur long term profit book kar sakta hu kya march 31 tak.
After 3 lakh overall income And 125000 LTCG 12.5% on LTCG 20% on STCG And rest in income taxable as per slab rates 87A rebate available for normal rate income
इस छोटी सी वीडीओ में अपने बहुत बड़ी बहुत बढ़िया जानकारी दी है।ईश्वर आप पर सदैव कृपा करते रहें
Thank you ji
Best information regarding FD🎉
Thank you 😊
वीडियो अच्छा लगा। धन्यवाद भाई जी। 🙏🙏
Thank you SHARMA ji
आप हमेशा उपयोगी जानकारी सरल भाषा में उपलब्ध कराते हैं सुमित ।
Thank you 😊
Hamein kahin bhi fd ki jarurat hi nshin ham roj badalte ruls aur nautankiyon se tang aa chuke hain apna paisa khud khao warna bank aur sarkar kha jayegi
👍
Very much informative, excellent information provided, very very useful
Glad it was helpful!
Very use full information yhanks
Most welcome
आपका समझाने का तरीका बहुत अच्छा है
Thank you 😊
Very good information. Thanks 🙏
So nice of you
Indian market paise dalne ke layak nahi hai... Karan bahut hai govt. Se lekear technical level tak. Sab sudhar jao aur future ke chakkar me kamaya paisa mat gawai❤❤🎉
Log bank me paisa nahi dal rahe isliye markets natak kar rahe hai
👍
Nice Information Thanks 👍
Thank you
Very nice information Sumit Ji🎉
Thank you jain saab
Bahut achhi jankari h
Thank you 😊
Sumit ji great information
Thank you 😊
Very good 👍 video with details 👌
Glad you liked it!
आज मैंने आपके चैलन को सब्सक्राइब किया है नया साल मुबारक हो आपको ❤❤❤
Thank you
Happy New year
Very informative video Sir 👍👍✨ , Aesi he mutual fund lumpsum Or SIP pr bhi banaiye
Ok
Bahut bahut shukriya
Suswagatam
Good information
Thanks
Very helpful content
Thank you
Bahut vadhiya jankari hai ji
Thank you
Nice dear🙏🏻🙏🏻🙏🏻
Thank you so much 😊
Very nice explanation
Thank you
Sir hamari Salana income 3 lakh se kam hai ,,itr nahi bharte to kya fd pe tds ya koi aur tax katega
New subscriber loved ur content ❤❤
Thank you 🙏
Nyce info sir
Thanks
Excellent👌👌
Thank you! Cheers!
Very nice
Thank you 😊
Please btaiye best govt bank for highest intrest rate🙏🙏🙏
Detailed video coming soon
Baki aap har bank ka google pe interest chart dekh sakte hai
Good sir🎉🎉🎉
Thank you 😊
Very very good information
Thanks for liking
फुलचंद चौधरी जी को TD 300000 Ru
very helpful video sir
Thanks and welcome
Please make same video also for NRI@CASumitSharma
Me post mdhe nsc kele ahe pn 15G bhrla nahi .agent kdun bhrle ahe ata in trest cut hoga ky
there is no TDS on the interest earned on investments in NSC.
@CASumitSharma thanku sir
Sir gst no inactive hai to new ragistration hoga jayega ya purana wala active ho skta hai inactive date 1/7 /2017
New lena hoga
हम बूढ़े लोगो को इतनी बातें याद नहीं रहें गी दो तीन बातौ मे कि पचास लाख नो 12:23 Phle लाख चार बें🎉क । मे और अपने नाम फिकस कर दै
👍
Sir, doosre CA ke hisaab se 10lac ki FD in a year kahin bhi karane se information IT deptt ko jati hai kyonki PAN, Aadhar linked hai. Please guide karo.
Kitni b kro FD
Uska interest to show hoga hi
Seving or FD dono ka mila kar 40,000.Thousand se jyada interest aaya to TDS kat ta hai kya.
or 3 bank account se mila interest hai to ..?
FD only
Alag alag bank ki alag alag limit hai
Sir adrs cprtv me pesa jmahe doob ge kya muge pesa melega please jvab grur dena
What is adrs cprtv?
Please let inform me about the FD for NRE deposited Rs 4,000,000.
The NRE amount is exempted or Not.
Love you ❤❤❤❤❤❤
❤️❤️
अच्छाहै
Thank you
Ciniaer citizen me liye Kya niyam he
Same for all
Ek mein karao ya alag alag banks me karao, IT department ko information jati hai aur notice to ayega, Pakka.
Achyaaa
Ha ye bahot risky ho gya hai ab .
Sir, Can we select 3 to 5 mutual frund from SBI amc instead of difference difference amc.
Yes
@CASumitSharma Thank you
Sir ITR ki last date kab tk file kar sakate h.
AY 24.25
UPTO 31.3.24
Modi aur Adani hain to Banks ke doobne ki guarantee hai 5 lacs ki nahin.
Haha
Rd k bare me bataye
Ok
Will try
Sir FD p TDS k baad jo 4% cess h uske baarey m btayeinn!
Wo FD interest aapki income me add ho jaayega
As per slab rates tax dena hoga
Tax banega to uspe 4% cess b dena hoga
Agar kisika char bank me account hai aur char bank me FD karate hai to pan card se uska sab bank se income pata chal gaiga ap is par vedio please banaya
Sabhi banks ka TDS online show hoga
Bank deduct 10%tds on at amount of acrual interest of fd ànd again 10% tds deducted on amount acrual interest at the time of payment as a part of principal amount. Meaning tds is deducted twice on same amount. This is happening sbi and hdfc bank. Pl look in the matter.
Can you share some details to us at
office@casumitsharma.com
Sir sbi me 1000 fixed kiya hai 7 days th o interest 3.50 hai pr 1₹mila hai tell me
Pre closure krwaya hoga
sir nri k fd pe tax lagta kiya,or koi limit hai kiya?
For Non-Resident Indians (NRIs), the tax treatment of income earned from Fixed Deposits (FDs) in India is as follows:
1. Taxability of FD Interest Income
Interest on NRO FDs: Fully taxable in India as per the slab rates applicable to the NRI.
Interest on NRE FDs: Fully tax-exempt in India if:
The NRE account is maintained as per FEMA guidelines.
The NRI status is retained.
Interest on FCNR FDs: Tax-free in India.
2. TDS on FD Interest
NRO FDs:
Tax Deducted at Source (TDS) is applicable at 30% (plus applicable surcharge and cess).
NRE/FCNR FDs: No TDS is deducted as the income is exempt.
3. Double Taxation Avoidance Agreement (DTAA)
If the NRI resides in a country with which India has a DTAA, they can avail reduced TDS rates or claim tax relief under DTAA.
A valid Tax Residency Certificate (TRC) from the country of residence is required to claim DTAA benefits.
4. Filing Income Tax Return in India
If the NRI’s total income in India (including interest from NRO FDs) exceeds the basic exemption limit, they need to file an income tax return.
Even if TDS is deducted, filing a return may help claim a refund if the NRI’s actual tax liability is lower than the TDS deducted.
FD interest should be taxed in the year of withdrawal and not on accrual basis to make it at par with debt MF for taxation purpose.
👍
Tds cut hota he tabhi itr file karna he na?🤔
ITR filing mandatory if Income cross basic exemptions limit 3 lakh
ok thank you for your reply
Mera Fd 2 years ka h, aur interest maturity pe le rahe hai aur interest 70k hai to tds katega kya?
Saal ka 40k crosa hua to katega
@CASumitSharma Sir, maturity ek saath 2 saal ka mil raha h, to wo 2 year me devide ho jayega na (35-35) me. To nahi katna chahiye.
F D mein kabhi bhi Paisa na lagayen Property mein lagayein ya sjare market mein lagayein. Main ney 1988 mein 120000 rupeer bank mein rakha that time mere gaon mein 6500 ka il khet milta tha agar deal karta 120000 mein 2 acre miltey after 189 years bank gave mein 6lakh 40 hazaar rupees magar properties prize become 85 lakh per acre.. and Plus 18years yealds they earnd from 2 acres.Don,t be fooled by Banks.
👍
SBI a/c type : SB TINY SPL OD GEN PUB IND (over draft) type ka account h .kya mai is account me fixed deposit or mutual fund & equity me use kar sakta hu.
Ya fir sbi type : regular savings account me convert krvana hoga.
Plz help me sumit sir.... waits
SB TINY SPL OD GEN PUB IND account is typically a basic savings account with overdraft (OD) facilities. It is designed to meet basic banking needs, especially for small-scale users or individuals with specific requirements.
Key Points About SB TINY SPL OD Account:
1. Restrictions on Usage:
Such accounts often have limitations on transactions, account balance, and usage for investments like fixed deposits, mutual funds, or equities.
2. Overdraft Facility:
It allows you to withdraw more than the available balance up to a certain limit, but you may not be able to directly link it to fixed deposits or investments.
For Investments (FD, Mutual Funds, Equity):
To invest in fixed deposits, mutual funds, or equities, banks generally recommend a Regular Savings Account, as it provides:
1. Flexibility: No restrictions on linking investment products.
2. Eligibility: Better suited for managing and tracking investments.
3. Ease of Transactions: No limits on deposits or withdrawals (as applicable to Tiny accounts).
---
Recommendation:
If you plan to invest in FDs, mutual funds, or equities, it’s advisable to:
1. Convert Your Account: Upgrade to a Regular Savings Account by visiting your SBI branch. You might need to provide updated KYC documents.
2. Confirm Investment Eligibility: Check with the bank whether the existing account can be linked to specific investments.
@CASumitSharma ok, thanks
Sir agar 2.5(lakh) ki FD ko 2 baar mein kara lein break karke for ex- mein 1.5 lakh ki ek FD aur 1 lakh ki dusri FD to phir bhi notice aayega kya ?
No
If entire year amount not cross 10L
Sir muje fd pr Loan lena h to buy a home thik rahega fd pr loan lena ya nhi plz btaye
Dekh lo
Home loan ka interest and FD loan ka interest
Baki charge compare krke
If one want's to invest say 36 lakhs in bank ( say 9 lakhs each in 1 bank is that a good idea)..? @ say 7.50% for a year on QIP
👍
Sir, please make a video on new rule of saving account by rbi
Ok
Bhaiya this true but if you do FD , it is only loose to inverter only . Our government and bank getting return. Think 1000 before doing FD .
👍
Sir aapne bataya hai 1 financial year me 42000 interest aata hai to 42000 pe tds katega .
Jab 40000 tak tds ki chhut hai to 2000 pe tds tds katana chahiye mujhe mujhe conform kare please.
42000 pe 4200
What is the tds rate for payment of electricity and maintenance charges to a company
194C
2%
Is the rate amended?
Till November was it 1%
Sir 300000/- total income one F/Y hai ITR Tabi file karna hota hai agar mutual fund say income include hoti hai n plese reply Thanks
Yes
bai mene polisi lai aditea birla ansorans ki uske bare me koi nahi btata sar fd ja uchal fand ki hi bate karte hy uske bare koi kuch nahi btata
Bata dnege next video me
Sir mene ek plot October 2023 me sale kiya tha 8 lakh ka fy 23-24 ki itr me capital gain 2.34 lakh show Kiya tha current financial year me April 2024 me 7 lakh ek dusra plot sale kiya tha and July 2024 me un pese se 20 lakh ki fd ki next itr fy 24-25 ki tr me capital gain show karta hu tab koi notice aa skta hai kya
No
सर, A+B+C बॅंक का एफ. डि. पुरा इंनकम मिला के टी. डी. एस. कटेगा क्या?
No
Alag alag
Happy New Year🎉 to all😊
🙏
Sir me yeh janna chhahta hu ki agar koi upi se payment leta hai aur uska source income tax department ko nhi bata pata hai to kitna tax and penalty dena hoga
Agar koi vyakti UPI se payment leta hai aur uska source Income Tax Department ko justify nahi kar pata, to yeh payment "unexplained income" ya "unexplained cash credit" ke roop mein treat kiya ja sakta hai. Is par tax aur penalty lagne ka provision hai:
1. Tax Liability
Agar payment unexplained hai, to us par 60% ka flat tax rate lagta hai (Section 115BBE ke tahat).
Is par 25% surcharge aur 4% health & education cess bhi lagega, jisse effective tax rate kareeb 78% ban jata hai.
2. Penalty
Section 271AAC ke tahat, agar income unexplained hai, to us par 10% ki additional penalty lagegi.
Is penalty ke liye condition hai ki aap assessment proceedings ke dauraan unexplained income admit karein.
3. Total Impact
Effective tax and penalty mila kar aapko kareeb 84% of unexplained income dena padega (78% tax + 10% penalty).
Example:
Agar aap ₹10 lakh ki unexplained UPI payment nahi justify kar pate, to:
Tax: ₹7.8 lakh
Penalty: ₹1 lakh
Total: ₹8.8 lakh
Advice:
1. Payment ka proper record rakhein (bank statement, invoice, etc.).
2. Agar source genuine hai, to uska documentation ready rakhein.
3. Agar notice aata hai, to CA ki madad lein.
Sir cash me 1 lakh, aur 1.5 lacs kar k 5 lac ki fd karwayi hai wo bhi life me pehli baar to itr file karu ki ni kyunki isse pehle kabhi ni ki file?
ITR filing mandatory if Income cross basic exemptions limit 3 lakh
Sir mene june 2024 me 6 lakh ki fd break karke july 2024 me new 9.5 lakh ki fd ki hai same bank me and 1 lakh ki new fd dusre bank se ki hai total 16.5 lakh ki fd ho gyi current financial year ke andar me iska interest me apni itr me bharta hu last three year me apni incone 4 lakh per year ke hisab se show ki hai itr me to kio problem to nahi hogi it department se
No problem
Sir agar 2lakh se zyada ki FD karaenge one time mein to notice aayega kya ?Aur itr bhi nahi bhara ho to ??
Cash me hai to aa sakta hai otherwise no
@@CASumitSharma sir agar cash mein 2 baar mein karenge like 1 lakh , 1lakh phir bhi ?
@CASumitsharma sir ??
Poore saal me 2 lakh se jyada n ho
For safety file ITR accordingly
@@CASumitSharma okk sir thank you
Smard FD is dangerous,HDFC ICICI etc
👍
Bhagwad....
What is your query
Sir baccho ke naam fd krwaye to
Clubbing of income provisions may apply
Investment in stocks and shares is risky and government will be charging 30% incometax in the name of simplification from the next FY. Every year the public is made fool. Industrialist will hold their company's stocks for ever and no tax will be paid but every year the value will go up.
👍
Video kaa naam hona chahia thaa. Pappu-18
🤔
If I invest 27 lac .by pan card it dept will also track the person
Yes
@CASumitSharma so what the use of depositing separately 9 lac in three banks ,🤔 .?
plz clarify it .
And if it is from coming online then is it any problem ?
Online not reportable
व्याख्या के लिए धन्यवाद! मुझे कुछ सलाह चाहिए: मेरे पास SafePal वॉलेट है जिसमें USDT है, और मेरे पास रिकवरी वाक्यांश है. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). उन्हें Binance में भेजने का सबसे अच्छा तरीका क्या है?
Already replied in earlier comment
😮
👍
Cut short..stick to the point...make vdo short....
Ok
Sir mere post office ma or bank ma 5-6 fd h jo ki alag alag sal ma hue h phele mena 1.5 lac ki fd hue Jo complete hone ke bad with interest FD dobara karva Di or ek or fd 2 lac ki karva Di is prakar meri FD ki amount 8 -9 lakh Tak pahunch gai hai maine abhi tak koi ITR nahin bhere h yadi main ITR file Karun to mujhe total amount ka source batana hoga or ITR ma show karna hoga ya Jo interest aa raha hai in case first time ITR please reply
Interest show krdo
Please reply
Sabhi banks ka interest online show hoga
Bakwas
Achyaaa
Sir
23000 short term realised profit
502000 long term realised profit
33000 futures profit
558000 total profit
3000 or 4000 dividend hoga is saal dec tak..plz tell me mereko kitna tax pay karna padega ..meri aur koi income nahi hai..kya mai thoda aur long term profit book kar sakta hu kya march 31 tak.
After 3 lakh overall income
And 125000 LTCG
12.5% on LTCG
20% on STCG
And rest in income taxable as per slab rates
87A rebate available for normal rate income
@CASumitSharma ok thanks sir
Very nice
Thank you
Nice Sir
Thanks and welcome