Published on September 01, 2026 • Last updated September 01, 2026
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Tax Deducted at Source (TDS) is a system introduced by the tax department where the person responsible for making specified payments deducts tax before releasing the payment.
Tax Deducted at Source (TDS) is a financial mechanism introduced by the tax department to collect income tax right at the point where income is generated or paid out. Under this system, the payer (employer, bank, tenant, or client) deducts a specified percentage of tax before remitting the remaining payment to the receiver.
TDS applies to various income types including salary payouts, fixed deposit interest, professional fees, contractor payments, commission, and property rent. The deducted tax is remitted directly to the government on behalf of the individual and is reflected as a tax credit in the taxpayer's official Form 26AS / Annual Information Statement (AIS).
If your total annual income falls below the taxable threshold, or if excess TDS has been deducted relative to your actual tax liability, you can claim a 100% refund of the excess TDS by filing your annual Income Tax Return (ITR). Senior citizens and eligible individuals can also submit Form 15G or 15H to prevent bank TDS deductions.
Learn how TDS is calculated
If your total taxable income is below the taxable slab limit, you can claim a refund of the deducted TDS by filing your annual Income Tax Return (ITR).
These are self-declaration forms submitted to banks to prevent TDS deduction on interest income if your total annual income is below the taxable limit (15G for individuals, 15H for senior citizens).
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