Super bro, 1 ippo family pension vaanguraangunaa, அவங்களுக்கு எப்படி ப்ரோ.. இதே rules ah.. 2. Different banks la fd start பண்றது good ah இருக்கும்மா.. .. pls reply..
Hello sir when is the right time to give form 15 gh if suppose a customer open a fd in each qtr for eq a customer made fd in April ,july,October, February how can I give a form 15 gh
Sir , my question : Per year ku Rs.2,50,000 FD la irunthu vatti Ennoda account la credit aagum , Enaku vera entha salary yum bank account la credit aagathu... Ippo naan Form 15H submit pannita income tax katta Vendam la? Second question : Ennoda bank account Illama , Ennoda amma ooda bank account la Rs.2,50,000 FD la irunthu vatti credit aagum , So athukum same as well income tax varathula? Or Ennoda account + Ennoda amma ooda bank account rendayum kooti Vara amount ku income pay pannanuma????
சார் வணக்கம் என்னுடைய மாதம் வருமானம் 12000 ரூபாய் லிருந்து 15000 ரூபாய் 10 வருடத்திற்கு முன்னாடி 2 லட்சம் ரூபாய்க்கு இடம் வாங்கினோம் இப்போது எட்டு லட்ச ரூபாய்க்கு போகும். அந்த பணத்தை FDsit செய்தால் வருமான வரி பிடிப்பாங்களா.சாதாரண மனிதன் பேங்கில் எவ்வளவு பணம் FD Sit செய்யலாம். ஐடி எல்லாம் file பன்ற அளவுக்கு வருமானம் இல்லை. மனைவி பேர்ல 4 லட்சம் கணவன் பேர்ல 4 லட்சம் போடலாமா.அப்படி இல்லை என்றால் வருடத்திற்கு எவ்வளவு வரி அரசுக்கு நான் செலுத்த வேண்டும். விளக்கம் சொல்லுங்க சார்.
Very GOOD, Your way of explaining is easily understandable. Thanking You Sir. One More Thing I would like to know is in ONLINE submission of 15G amount should not exceed 2.5 lakes,My amount is little bit mote than that , since it rejects to accept. However i am submitting returns and it adjust with tax free for RS.1.5 Lakes and even if there is any tax i am paying if. DUE to corona pandemic I avoid going to bank.Further my conscious not permits to show my earning is 2.5 Lakes. LET me know your suggestion please. Thanking you Sir.
This is unfortunate due to Corona.. I would suggest not to risk (though not legally correct), you can files as 2.5 akhs for now.. then file a IT return correction later when Corona subsides.. Form 15G is mainly only for TDS avoidance, you can submit 15G and correct it &pay tax in your filing .should not be a problem.
Nice explanation Sir after many youtubers this is best and clear explanation.. But i have one doubt.. I invested Rs.10,000 as FD for 3 years and the ROI is 9.5% and my Annual Income is 6Lakh.. Now i need to submit 15G at Bank? I guess, Interest from FD will not be more than 5000rs for me.. So 15G submit pananuma?
Thank you so much for giving us a fantastic record this UA-cam channel all videos, ☀️Upload something like this once a month, sir. ☀️My congratulations on this noble act of yours.
Bro nan nan 150000 lakhs fa pottu iruken 5 yrs ku.. Tds vanthu iruku ippo 1 yra than complete agi iruku.. Ippo nan fd cancel panna mudiyumaaa. Pls rply me
கணவன், மனைவி, மகள், மேஜரான பேரக்குழந்தை இவர்கள் தனித்தனியாக பிக்சட் டெபாசிட் போட்டால் ( எல்லாருக்கும் தனித்தனி PAN card உண்டு) தனித்தனியாகத்தானே ITR file பண்ணவேண்டும்? மேலும் 18 வயது நிரம்பாதவர்களின் பெயரில் போடப்படும் FD interest யார் கணக்கில் வரும்?
The content which I was searching from long, u explained very clearly. Thanks a lot. But one question if interest rate is more than 40k yearly and if suppose I am avoiding tds deduction from bank side by submitting form 15g then while filing ITR shall I include this interest for exemption under 80TTA?
Thanks Gayathri.. Form 15G only avoids TDS but tax is still your responsibility to pay if applicable. You can include in 80TTA if you disclose it as income. You can skip but not advisable or correct as per Income Tax law.
sir, indian bank F. D. 2012 deposit 1,70000 at 9 percent interest f. d. bond mentioned amount ₹ 4,13,000 but now giving ₹3, 70,000 how to avoid ₹40, 000 lost
Thanks. If my FD is for 5yrs for 1lac and on the 5th year my income is Rs 5L and the interest earned from FD is 30k then what would be my taxable income? 1) 5.3L? OR 2) 5L only as 30 is exempted as is not exceeds 40k?
Bro, I have one doubt suppose I have three different bank with earning 20,000 interest each so totally for my whole bank over the year I received 60,000 it means it crossed 40,000 then they will detect the tax money as per TDS right? or not?. Please not I did not submit the 15G form.
Hi Vijaykumar..Since it is across each bank they might no know your total interest and hence highly likely TDS wont be deducted. It is your duty to mention and submit in ITR.
whether tds is applicable, on saving bank account interest , please explain . also, if we split the fixed deposit in different banks, whether tds will be integrated from all bank fd interest or it is calculated for every bank.
அய்யா வணக்கம்! எனது வயது 71. சீனியர் சிட்டிசன்களுக்கு வருமானவரி கட்டுவதற்கான லிமிட் 3 lakh அல்லது 5 lakhஆ? இந்த 3/5 லட்சம் என்பது total "TAXABLE" income (அதாவது section 80C கீழ் பிடித்தம் போக மீதியாக வரும் தொகை) தானே! அல்லது பிடித்தம் செய்வதற்கு முன்பே உள்ள தொகையா? இதனை தயவுசெய்து விளக்குமாறு "கனிவுடன்" கேட்டு கொள்கிறேன்.
ஆம், எல்லா விலக்குகளுக்கும் பிறகுதான். மூத்த குடிமகனுக்கு 3 லட்சம் மற்றும் அதற்கு மேல் வரி விதிக்கப்படும் வருமானம்.. சூப்பர் சீனியர் குடிமகனுக்கு 5 லட்சம் மற்றும் அதற்கு மேல் வரி விதிக்கப்படும் வருமானம்
Bro nice explanation. I have one doubt recently I have done tax return filling. I can see rs 3000 refund will be credited to me from my FD TDS . How it s possible bcaz my income is more than 2.5 l.
Thanks for the explanation. One doubt.. I have paid TDS tax already as per the TDS certificate but while filing tax, my fD income also included with my salary which results that i need to pay tax again for my FD amount. Should I need to pay tax again even though I paid TDS? If not, how to avoid in tax filing pls?
No sir , TDS paid means , Fd income ku thirumba tax pay panna vendiyathilla , But unga salary 2,50,001 touched means , you need to pay income tax for that only
@@ragavendranmuthukumarasamy actually sir , your total income Rs.4,99,000(including fd income too) varaikum no income tax , Can you tell me your Fd income + annual salary amount... I will check how to solve your issue
@@thambithambi1646 @thambi Thambi FD income 49327 (3700 TDS deducted). Can see this under "Verify your taxes paid details'.. have included this in "TDS credit out(5). Salary income 8.98 Gross salary. After deductions income chargeable is 8.46. For my salary already tax is deducted around 63653. So total gross salary (8.46+49327 = 8.95).. Total tax deducted (63653+3700 = 67300) already for both. Looks like as you said they have calculated the tax for 8.95 which 73K. Now it's asking me to pay remaining amount around 5k(73 - 67300). How to avoid this pls?
@@ragavendranmuthukumarasamy (( your FD income 49327 means TDS 10% = 4932.7 )) And your salary 8.98 and as you said they already deducted income tax from your salary??? After that you received 8.46??? 63653 deducted for what purpose?... Is that for income tax??
Hi sir I started fixed deposite 5lakhs in Canara Bank for 2,years my salary is 4lakhs years will they deduct TDs , I submitted form 15g,how much amount will deduct.
Just remember your total income more than 2.5lakh means, you need to pay income tax ( including your annual FD income ) In your case , you can't avoid TDS because your annual salary or Annual total income 4lakhs , that means you can't submit form 15g , if you submitted, no use because year end you need to pay income tax for that total income (4lakh)
Sir I deposited 30L as three separate FD's... Should I need to submit 15G form for all the three FD's ( all the amount deposited in same bank with 15 days interval)
Hi bro.. I am NRi holding normal savings & fd accounts in india. What will be the TDS/IT applicable for my FD which gives interest less than 40k for this financial year alone?
Sir நான் 3 bank ind iob axis account la fd pottu irken. Each bank interest rate below 10k dhan varuthu but if u calculate totally below 30k varthu. So tax pidipangala
ஐயா 1) வேறு எந்த வருமானமும் இல்லாமல் 80 வயதிற்கு மேலுள்ள மூத்த குடிமக்கள் அவரது பணத்தை பல வங்கியில் நிரந்தர முதலீடு செய்தும் ; அதற்கு வரும் வட்டி அனைத்திலும் கூட்டாக ₹4.5 லட்சமாக ஈட்டும் போது வருமானவரி கட்ட வேண்டுமா?? இல்லையா ??? 2) வங்கி / தபால் சேமிப்பு கணக்கிற்கு வருமான வரி உண்டா ??? இல்லையா ??? ஆம் எனில் எவ்வளவு ???
1) வட்டி வருமானம் வருமானம் மட்டுமே என்றால், அது 4.5 லட்சம் என்றால் வரி தேவையில்லை, ஆனால் இன்னும் வருமான வரி அறிக்கையை தாக்கல் செய்ய வேண்டும். 2) நீங்கள் முதலீடு செய்யும் கெமியைப் பொறுத்தது. தபால் நிலையத் திட்டங்களுக்கு கூட வருமான வரி உள்ளது, ஆனால் முதலீடு செய்யப்பட்ட திட்டத்தைப் பொறுத்தது
@@SmartMoneyGoalTamil 🙏 நன்றி தங்களின் பதிலுரைக்கு 🙏 நான் நிரந்தர வைப்பு தொகை பணத்தை பாதுகாப்பு கருதி தலா ₹4 லட்சமாக பல வங்கியில் அதி மூத்த குடிமகன் கணக்கில் (Super Sr Citizen) முதலீடு செய்து ஈட்டும் வட்டித்தொகை மட்டுமே எனது வருட வருமானக் கணக்காக மொத்தம் ₹ 4.5 லட்சமாக இருந்தால்கூட வருமானம் வரித்தாக்கல் செய்வது அவசியமா ?? இல்லையா?? 2) வெவ்வேறு வங்கியில் சேமிப்பு கணக்கின் மூலம் ஈட்டும் வட்டித்தொகை பணம் எது வரை வருமான வரி செலுத்த வேண்டிய அவசியம் இல்லை ...
@@How_is..It9 sir , super senior citizen per year 5lakhs varaikum no need to pay income tax , so you don't need to pay income tax because your earnings under 5lakh only , But if your total income 5lakh and 1rupee means you need to pay total income tax 20% of your 5lakh and 1 rupee
@@How_is..It9 sir you should remember , your pancard merged with all bank account and even aadhaar card too , so they will know your annual earnings , So just note 5lakh and 1rupee per year ( income tax sure 20% )
@@thambithambi1646 Sir Thanks for your reply after a l...ong gab.(maternity period) Whether less than ₹5 L is mandatory to file for Super senior citizen ?????
Anna , ippo 1 year ku fd panniruken bank la , today than last date 1 year complete aga , tomorrow vanthu holiday , next bank working day la poi FD completed nu poi sonna ethachum tax pidipangala bank la ...Time extend aaiyu inform pannathuku .😐
Bro na 5lakh potruka fd la but 15g fill panla..banks la yearly 20k maela ponalae intrest soldranga..neenga 40k soldringa..which one is true?....Then apdi 40k tha apdina na 2 yearsku potruka 63k varudhu..but 2 yearsndranala yearly 40k apo 2 yearna 80k ulla vandha na tax pay panna thevaillaya
Hi Amar..Bank interest calculated yearly.. some bank officials ask for 20k, 10k but that is not the rule.. Better to fill 15g if you're filing IT return so you can declare and pay yourself at end.
If Dravida Tamilians were stubborn in adopting Bilingual Medium of Education , today all other states having lost their Mother Tongues as medium of Education , on imposition of Hindi in Northern States are going to breathe and improve their Education Ratio than yesteryears...
Sir i have an monthly income scheme in post office for 4,50000. I have 5 yr term deposit in post office for 325000. Annual interest more than 40000 i received. But i am a house wife. Shall i pay tds or not.... Tds applicable for MIS or not plz give ur suggestion sir
Vilakkangaluku mikka nanri🙏🙏🙏
Super bro,
1 ippo family pension vaanguraangunaa, அவங்களுக்கு எப்படி ப்ரோ.. இதே rules ah..
2. Different banks la fd start பண்றது good ah இருக்கும்மா..
.. pls reply..
Hello sir when is the right time to give form 15 gh if suppose a customer open a fd in each qtr for eq a customer made fd in April ,july,October, February how can I give a form 15 gh
Sir , my question :
Per year ku Rs.2,50,000 FD la irunthu vatti Ennoda account la credit aagum , Enaku vera entha salary yum bank account la credit aagathu...
Ippo naan Form 15H submit pannita income tax katta Vendam la?
Second question :
Ennoda bank account Illama , Ennoda amma ooda bank account la Rs.2,50,000 FD la irunthu vatti credit aagum , So athukum same as well income tax varathula?
Or Ennoda account + Ennoda amma ooda bank account rendayum kooti Vara amount ku income pay pannanuma????
Well explained
சார் வணக்கம் என்னுடைய மாதம் வருமானம் 12000 ரூபாய் லிருந்து 15000 ரூபாய் 10 வருடத்திற்கு முன்னாடி 2 லட்சம் ரூபாய்க்கு இடம் வாங்கினோம் இப்போது எட்டு லட்ச ரூபாய்க்கு போகும். அந்த பணத்தை FDsit செய்தால் வருமான வரி பிடிப்பாங்களா.சாதாரண மனிதன் பேங்கில் எவ்வளவு பணம் FD Sit செய்யலாம். ஐடி எல்லாம் file பன்ற அளவுக்கு வருமானம் இல்லை. மனைவி பேர்ல 4 லட்சம் கணவன் பேர்ல 4 லட்சம் போடலாமா.அப்படி இல்லை என்றால் வருடத்திற்கு எவ்வளவு வரி அரசுக்கு நான் செலுத்த வேண்டும். விளக்கம் சொல்லுங்க சார்.
p LS reply
Very GOOD, Your way of explaining is easily understandable. Thanking You Sir. One More Thing I would like to know is in ONLINE submission of 15G amount should not exceed 2.5 lakes,My amount is little bit mote than that , since it rejects to accept. However i am submitting returns and it adjust with tax free for RS.1.5 Lakes and even if there is any tax i am paying if. DUE to corona pandemic I avoid going to bank.Further my conscious not permits to show my earning is 2.5 Lakes. LET me know your suggestion please. Thanking you Sir.
This is unfortunate due to Corona.. I would suggest not to risk (though not legally correct), you can files as 2.5 akhs for now.. then file a IT return correction later when Corona subsides.. Form 15G is mainly only for TDS avoidance, you can submit 15G and correct it &pay tax in your filing .should not be a problem.
Awesome 👍
Good clarity on taxation on FD interests.
Your replies on comments section very helpful.
Keep reply for the comments.
Thank you.
Thank You. Nice explanation. Can you please make video on HUF Creation and Tax Details
Nice explanation Sir after many youtubers this is best and clear explanation.. But i have one doubt.. I invested Rs.10,000 as FD for 3 years and the ROI is 9.5% and my Annual Income is 6Lakh.. Now i need to submit 15G at Bank? I guess, Interest from FD will not be more than 5000rs for me.. So 15G submit pananuma?
No need for 10000 fd and 5000rs interest...
Sbi netbank யிலிருந்து எப்படி எடுப்பது?
Thank you so much for giving us a fantastic record this UA-cam channel all videos,
☀️Upload something like this once a month, sir.
☀️My congratulations on this noble act of yours.
Really useful video bro👍
Thanks..Hope you liked it.
Please make a video for Health Insurance. and which is the best policy and which company is the best
Pls cal pani sir....am explained 9884795296
Bro nan nan 150000 lakhs fa pottu iruken 5 yrs ku.. Tds vanthu iruku ippo 1 yra than complete agi iruku.. Ippo nan fd cancel panna mudiyumaaa. Pls rply me
Form 15 G ... should be provided for each bank ?
Whether we need to submit form15G on yearly basis?
Clear 👌
Very good.
Thank you, share it if you like it and found useful..
ஐயா FD பன்னும்போது 15 G வருடா வருடம் Form கொடுக்க வேண்டுமா. இல்லை ஒரு வருடம் மற்றும் குடுத்தால் போதுமா.
Good Information sir. 👌👌🏽
Sir, you told Total interest of all bank FD up to Rs. 40,000/= this is for per annum or per month.
I have a fixed deposit for Rs.2 lakhs. Will they deduct TDS? I am not working and not earning. No need to pay TDS?
கணவன், மனைவி, மகள், மேஜரான பேரக்குழந்தை இவர்கள் தனித்தனியாக பிக்சட் டெபாசிட் போட்டால் ( எல்லாருக்கும் தனித்தனி PAN card உண்டு) தனித்தனியாகத்தானே ITR file பண்ணவேண்டும்?
மேலும் 18 வயது நிரம்பாதவர்களின் பெயரில் போடப்படும் FD interest யார் கணக்கில் வரும்?
நன்றி
The content which I was searching from long, u explained very clearly. Thanks a lot.
But one question if interest rate is more than 40k yearly and if suppose I am avoiding tds deduction from bank side by submitting form 15g then while filing ITR shall I include this interest for exemption under 80TTA?
Thanks Gayathri.. Form 15G only avoids TDS but tax is still your responsibility to pay if applicable. You can include in 80TTA if you disclose it as income. You can skip but not advisable or correct as per Income Tax law.
Anna .. I am NRE for me they deducted Tax.. in the FD. How I can get back the tax..I am not filing ITR.
Sir.....எவ்வளவு tax பிடித்தம்
இருந்தால் tax refund பெறலாம்...
Sir I am NRI is that TDS applicable for me and I need to file income tax return or not please explain
sir, indian bank F. D. 2012 deposit 1,70000 at 9 percent interest f. d. bond mentioned amount ₹ 4,13,000 but now giving ₹3, 70,000 how to avoid ₹40, 000 lost
Thanks.
If my FD is for 5yrs for 1lac and on the 5th year my income is Rs 5L and the interest earned from FD is 30k then what would be my taxable income?
1) 5.3L? OR 2) 5L only as 30 is exempted as is not exceeds 40k?
Every year, show interest as income and if it is below 40k , no tax. If you want to avoid confusion, Make accrual very year instead of at 5yr end.
Pensioners income tax ile pannum podhu medical expenditure evolo claim pannalam sir
Thank you bro clear explanation. en monthly income 30000. Nan 30000 fd oru bank and 100000 oru bank la fd potruka. Tds pidipangala pls sollunga
No.
@@sivas2007able thank you bro
Please make a video how to gather this all information where to fill and submit this st what time frame
OK Naveen..will make one..
Sbi fd la 2crore potta monthly income evlo varum tax saving fd
Hi bro.. Thanks 4 ur information.. Naan 60k FD cumulative edukanum nu ninaikiren, naan tds pannanuma
60k FD Varum interest limit kizha thaan irukkanum,...
1500 deducted at tds on april 2022..
How to filr itr.
I don't have any income.
Pls help me get refund anyone
Bro, I have one doubt suppose I have three different bank with earning 20,000 interest each so totally for my whole bank over the year I received 60,000 it means it crossed 40,000 then they will detect the tax money as per TDS right? or not?. Please not I did not submit the 15G form.
Hi Vijaykumar..Since it is across each bank they might no know your total interest and hence highly likely TDS wont be deducted. It is your duty to mention and submit in ITR.
whether tds is applicable, on saving bank account interest , please explain . also, if we split the fixed deposit in different banks, whether tds will be integrated from all bank fd interest or it is calculated for every bank.
TDS will be calculated from that bank only (all branches included)..Yur responsibility to calculate final liability for TDS from different banks
One year ku 40000 thousend tds kattanuma illa monthly 40000 ku kattanuma
one year FD interest 40000 above na TDS kattanum..use 15G/H to avoid that if necessary but plan and pay your tax accordingly..
அய்யா வணக்கம்!
எனது வயது 71. சீனியர் சிட்டிசன்களுக்கு வருமானவரி கட்டுவதற்கான லிமிட் 3 lakh அல்லது 5 lakhஆ?
இந்த 3/5 லட்சம் என்பது total "TAXABLE" income (அதாவது section 80C கீழ் பிடித்தம் போக மீதியாக வரும் தொகை) தானே! அல்லது பிடித்தம் செய்வதற்கு முன்பே உள்ள தொகையா? இதனை தயவுசெய்து விளக்குமாறு "கனிவுடன்" கேட்டு கொள்கிறேன்.
ஆம், எல்லா விலக்குகளுக்கும் பிறகுதான். மூத்த குடிமகனுக்கு 3 லட்சம் மற்றும் அதற்கு மேல் வரி விதிக்கப்படும் வருமானம்.. சூப்பர் சீனியர் குடிமகனுக்கு 5 லட்சம் மற்றும் அதற்கு மேல் வரி விதிக்கப்படும் வருமானம்
உங்களுக்கு 71 வயது. எனவே மூத்த குடிமகன். 80 வயதுக்கு மேல் நீங்கள் சூப்பர் சீனியர் சிட்டிசன் ஆகிவிடுவீர்கள்
Bro nice explanation. I have one doubt recently I have done tax return filling. I can see rs 3000 refund will be credited to me from my FD TDS . How it s possible bcaz my income is more than 2.5 l.
No problem..income less than 40K from FD is tax free..
S
How to add pan card to adharcard?
Thanks for the explanation. One doubt..
I have paid TDS tax already as per the TDS certificate but while filing tax, my fD income also included with my salary which results that i need to pay tax again for my FD amount. Should I need to pay tax again even though I paid TDS?
If not, how to avoid in tax filing pls?
No sir , TDS paid means , Fd income ku thirumba tax pay panna vendiyathilla , But unga salary 2,50,001 touched means , you need to pay income tax for that only
@@thambithambi1646 Thanks Sir. But still unable to exclude that in efilling new portal
@@ragavendranmuthukumarasamy actually sir , your total income Rs.4,99,000(including fd income too) varaikum no income tax ,
Can you tell me your Fd income + annual salary amount... I will check how to solve your issue
@@thambithambi1646 @thambi Thambi FD income 49327 (3700 TDS deducted). Can see this under "Verify your taxes paid details'.. have included this in "TDS credit out(5).
Salary income 8.98 Gross salary. After deductions income chargeable is 8.46.
For my salary already tax is deducted around 63653.
So total gross salary (8.46+49327 = 8.95)..
Total tax deducted (63653+3700 = 67300) already for both.
Looks like as you said they have calculated the tax for 8.95 which 73K.
Now it's asking me to pay remaining amount around 5k(73 - 67300). How to avoid this pls?
@@ragavendranmuthukumarasamy (( your FD income 49327 means TDS 10% = 4932.7 ))
And your salary 8.98 and as you said they already deducted income tax from your salary??? After that you received 8.46???
63653 deducted for what purpose?... Is that for income tax??
80.000.அயிரம் ரூபா பிக்சட் டெபாசிட் பன்னினால் வரி பிடித்தம் உண்டா
Hi sir I started fixed deposite 5lakhs in Canara Bank for 2,years my salary is 4lakhs years will they deduct TDs , I submitted form 15g,how much amount will deduct.
Just remember your total income more than 2.5lakh means, you need to pay income tax ( including your annual FD income )
In your case , you can't avoid TDS because your annual salary or Annual total income 4lakhs , that means you can't submit form 15g , if you submitted, no use because year end you need to pay income tax for that total income (4lakh)
Packa clarification... Except 63k logic
Sir I deposited 30L as three separate FD's... Should I need to submit 15G form for all the three FD's ( all the amount deposited in same bank with 15 days interval)
Don't misuse Forms 15G, 15H to avoid TDS. Get professional advice
How much yearly interest limit to save without TDS for normal citizen and senior citizen
Rs 40000 is limit on FD interest for TDS purpose. Anyways tax on interest is based on ur total taxable income.
Sir nan Singapore la sbi .1 lack. Ib 1laks. Iob lake pottuirukken .12 years akituchu. Enakku vari pitippaarkalaa. Pls tell.
Amam...3 lakhs before 12 years would approx be 7-8 lakhs now..yerkanave pidichitu iruppargal. your interest will be 40000+ now..check with bank
one good thing it is in separate bank.s.bank will not hold Fixed deposit TDS but you must declare and pay in income tax filing..
hi sir
I have FD in SBI it’s annual interest is 35000 rupees will I want to submit 16g or can I leave because it dint exceed 40000 ?
no..you don't need to submit 15G..but remember it depends on your total income for the year..calculate and pay interest accordingly..
i mean TDS wont be deducted but interest is still taxable for FD..add to total income and find tax slab and pay tax if required
Housewife Ku Total income per year? Epadi fill panrathu bro. I have FD on her name but she is not working.
Hi bro.. I am NRi holding normal savings & fd accounts in india. What will be the TDS/IT applicable for my FD which gives interest less than 40k for this financial year alone?
NRI can hold NRE fixed deposit..for this there is no TDS or tax..if less than 40k then there will be no tax..
@@SmartMoneyGoalTamil which means do i need to convert this account to nri/nre account ? Please clarify bro
@@dhanusful Converting or opening a new NRE account is better..why pay tax or worry about tax when legally it can be tax free..
Sir நான் 3 bank ind iob axis account la fd pottu irken. Each bank interest rate below 10k dhan varuthu but if u calculate totally below 30k varthu. So tax pidipangala
Pidika maataanga...
ஐயா
1) வேறு எந்த வருமானமும் இல்லாமல் 80 வயதிற்கு மேலுள்ள மூத்த குடிமக்கள் அவரது பணத்தை பல வங்கியில் நிரந்தர முதலீடு செய்தும் ; அதற்கு வரும் வட்டி அனைத்திலும் கூட்டாக ₹4.5 லட்சமாக ஈட்டும் போது வருமானவரி கட்ட வேண்டுமா?? இல்லையா ???
2) வங்கி / தபால் சேமிப்பு கணக்கிற்கு வருமான வரி உண்டா ??? இல்லையா ???
ஆம் எனில் எவ்வளவு ???
1) வட்டி வருமானம் வருமானம் மட்டுமே என்றால், அது 4.5 லட்சம் என்றால் வரி தேவையில்லை, ஆனால் இன்னும் வருமான வரி அறிக்கையை தாக்கல் செய்ய வேண்டும்.
2) நீங்கள் முதலீடு செய்யும் கெமியைப் பொறுத்தது. தபால் நிலையத் திட்டங்களுக்கு கூட வருமான வரி உள்ளது, ஆனால் முதலீடு செய்யப்பட்ட திட்டத்தைப் பொறுத்தது
@@SmartMoneyGoalTamil
🙏 நன்றி தங்களின் பதிலுரைக்கு 🙏
நான் நிரந்தர வைப்பு தொகை பணத்தை பாதுகாப்பு கருதி தலா ₹4 லட்சமாக பல வங்கியில் அதி மூத்த குடிமகன் கணக்கில் (Super Sr Citizen) முதலீடு செய்து ஈட்டும் வட்டித்தொகை மட்டுமே
எனது வருட வருமானக் கணக்காக மொத்தம் ₹ 4.5 லட்சமாக இருந்தால்கூட வருமானம் வரித்தாக்கல் செய்வது அவசியமா ?? இல்லையா??
2) வெவ்வேறு வங்கியில் சேமிப்பு கணக்கின் மூலம் ஈட்டும் வட்டித்தொகை பணம் எது வரை வருமான வரி செலுத்த வேண்டிய அவசியம் இல்லை ...
@@How_is..It9 sir , super senior citizen per year 5lakhs varaikum no need to pay income tax , so you don't need to pay income tax because your earnings under 5lakh only ,
But if your total income 5lakh and 1rupee means you need to pay total income tax 20% of your 5lakh and 1 rupee
@@How_is..It9 sir you should remember , your pancard merged with all bank account and even aadhaar card too , so they will know your annual earnings , So just note 5lakh and 1rupee per year ( income tax sure 20% )
@@thambithambi1646 Sir
Thanks for your reply after a l...ong gab.(maternity period)
Whether less than ₹5 L is mandatory to file for Super senior citizen ?????
வட்டி 40000ரஸ் க்கு மேல் வந்தால் வரி கட்ட வேண்டும் னு சொல்லுரைகளை சார், வட்டி 40000rs என்பது வருட வட்டிக இல்லை மாதம் வட்டிக sir
Yearly interest..40000.
What about for NRI
Bro appo oru 10lakhs aa October la fd open 1 year ku pota no tax thaana 😅😅
:) Dint get your question..
Anna , ippo 1 year ku fd panniruken bank la , today than last date 1 year complete aga , tomorrow vanthu holiday , next bank working day la poi FD completed nu poi sonna ethachum tax pidipangala bank la ...Time extend aaiyu inform pannathuku .😐
It depends on Fixed Deposit amount and the interest you get from it..If interest is more they will try to deduct TDS for sure
Na ..example ku 14000 ku fd panniruken 1 yr interest vanthu 5.35 percent problem varumaa...na inform pannalana bank ku
Bro na 5lakh potruka fd la but 15g fill panla..banks la yearly 20k maela ponalae intrest soldranga..neenga 40k soldringa..which one is true?....Then apdi 40k tha apdina na 2 yearsku potruka 63k varudhu..but 2 yearsndranala yearly 40k apo 2 yearna 80k ulla vandha na tax pay panna thevaillaya
Hi Amar..Bank interest calculated yearly.. some bank officials ask for 20k, 10k but that is not the rule.. Better to fill 15g if you're filing IT return so you can declare and pay yourself at end.
@@SmartMoneyGoalTamil Thank you
If Dravida Tamilians were stubborn in adopting Bilingual Medium of Education , today all other states having lost their Mother Tongues as medium of Education , on imposition of Hindi in Northern States are going to breathe and improve their Education Ratio than yesteryears...
Post office ithu match aakuma pls rly
Yes..every where FD is same concept.
Anna fd la 5000 potta ethachu problem varumaa
Kiruka
👌🏼👌🏼👌🏼
Sir i have an monthly income scheme in post office for 4,50000. I have 5 yr term deposit in post office for 325000. Annual interest more than 40000 i received. But i am a house wife. Shall i pay tds or not....
Tds applicable for MIS or not plz give ur suggestion sir
Yes..TDS is applicable..If total income is less than 2.5 lakh can claim refund
Hi bro I have two FD accounts in same bank whether i need to submit form 15g
Depends on the total interest you get from both FDs..if above limit mentioned in video, then yes...form 15G to be submitted
👌👌👌👌👌👌👌👌👌👌👌👌👌👌👌👌👌👌👌👌👌👌👌👌👌👌👌👌super bro