TDS For Senior Citizens: 1 अप्रैल से TDS के नए नियम से क्या होगी आपकी Savings? | GoodReturns - video Dailymotion

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TDS For Senior Citizens: महिलाएं, बुजुर्ग अक्सर बड़ी रकम बैंक में FD या दूसरे स्कीम में निवेश कर उसपर मिलने वाले ब्याज से अपना खर्च चालाते हैं. कई बार तो उन्हें पता ही नहीं होता है कि उनको मिलने वाले ब्याज पर सरकार टीडीएस ले रही है. कई बार पता होने के बावजूद भी वे इसे बचा नहीं पाते हैं. 1 फरवरी को पेश हुए बजट में TDS से बुजुर्गों समेत सभी को सरकार ने राहत दी है. ये फैसला मध्य वर्ग को ध्यान में रखते हुए लिया गया है जिसमें करदाताओं को 12 लाख 75 हजार रुपए तक की आय पर कर में छूट के साथ टीडीएस में भी छूट दी गई है.    #tdsrules #tdsrulesandregulations #tdsrulesonsalary #tdsrules2025 #newtdsrules2025 #fdtdsrules2025 #tdsrates #tdsrates24-25 #tdsprovisionsunderincometaxact  ~HT.318~PR.384~ED.148~GR.124~

Transcript

00:00Older women often invest a large amount in banks, FDs or other schemes and manage their expenses with the interest they receive.

00:08Many times they don't even know that the government is taking TDS on the interest they receive.

00:13Despite knowing this many times, they are unable to save it.

00:16On February 1, the government has given relief to all, including the elderly, from the TDS in the previous budget.

00:21This decision has been taken while keeping the middle class in mind.

00:25Taxpayers have been given 12,75,000 INR tax relief and TDS relief.

00:32In this series of Personal Finance, we are giving you the details of the new rules and benefits of TDS from April.

00:40We are also telling you how to avoid TDS, which banks often don't tell investors.

00:46They cut TDS and give it to the government.

00:49In this, the TDS of people whose income is not in the range of income tax is also cut.

00:54Unknowingly, they have to pay tax on their small income.

00:58TDS is a tax collection system.

01:02In this, taxpayers pay the government by deducting tax on fixed rates before any payment.

01:09This tax is usually applicable to salary, rent, commission, professional fees, interest, etc.

01:16Assume that a tenant is giving you rent.

01:19If TDS is made on the amount of rent, the tenant will deduct it and then pay.

01:24He will give the deducted amount to the government.

01:27On February 1, 2025, the Finance Minister, Nirmala Sitharaman, has given relief to TDS while taking care of the middle class.

01:36If we talk about the rules of TDS that will change from April 1,

01:40The budget for the elderly will be implemented from April 1.

01:44In this, 10% TDS will be imposed on the income from the interest of the elderly.

01:49Earlier, the income limit was Rs 50,000 per annum, which has now been reduced to Rs 1 lakh.

01:54That is, no TDS will be imposed on the income of Rs 1 lakh per annum.

01:57As soon as Rs 1 lakh is 1 rupee or more, 10% TDS will have to be given to the government.

02:02If a common citizen invests money in any scheme to make an income from the interest,

02:07then he had to pay 10% TDS on an income of more than Rs 40,000.

02:11This TDS bank used to deduct it and put it in the government's account.

02:15Now, from April 1, the limit has been increased to Rs 50,000.

02:19That is, now TDS will have to be paid on a monthly income of more than Rs 50,000.

02:24Now, if we talk about saving TDS, then it is seen that

02:27in any scheme, the annual income of the person making an income from the interest

02:33is not within the scope of the income tax.

02:35Still, he has to pay TDS.

02:38In other words, the bank deducts TDS without informing him and puts it in the government's account.

02:43Many times, if there is no PAN update in the bank, this amount is deducted up to 20%.

02:48In this case, the question is that despite not being within the scope of the income tax,

02:51will he have to pay TDS?

02:54The answer is no.

02:55For this, the bank will have to fill out a special form.

02:58If your entire income is not taxable, then the bank will have to fill out Form 15-G and 15-H.

03:06If the tax has been deducted, then the ITI can be filled out and the tax refund can be taken.

03:10Investors should try to invest in such schemes in which TDS is not done,

03:15such as Kisan Vikas Path.

03:17It is better to invest in different banks and different schemes rather than investing in the same scheme.

03:23This way, even if you have to deduct money from one scheme,

03:26the final and loss will not be much.

03:28What is your opinion on this news?

03:30Give us your opinion in the comment box.

03:32Keep watching Good Returns for such updates.

03:35Don't forget to like and subscribe to our channel.

TDS For Senior Citizens: 1 अप्रैल से TDS के नए नियम से क्या होगी आपकी Savings? | GoodReturns

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