TDS Calculator 2025-26 — All Rates & Refund

Q: What is TDS rate on FD interest?

10% TDS on FD interest if PAN is provided. 20% if PAN is not submitted. No TDS if interest is below ₹40,000/year (₹50,000 for senior citizens) or if you submit Form 15G/15H.

Q: How to get TDS refund?

File your ITR. If total tax liability is less than TDS deducted, the excess is refunded to your bank account. Refunds usually arrive within 15-45 days after ITR processing.

📈 TDS Calculator

Annual Gross Salary (₹)

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Standard Deduction ₹75,000 for FY25-26

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Other Deductions 80C, 80D, HRA, etc.

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Tax Regime

FD / Interest Amount per year (₹)

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Customer Type

PAN Submitted?

Monthly Rent (₹)

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Property Type

Annual Professional / Contract Fees (₹)

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Payment Type

TDS Deducted

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annual TDS

Gross Amount

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Net Received

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TDS Rate

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Monthly TDS

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TDS — Frequently Asked Questions

What is TDS and who deducts it?+

TDS (Tax Deducted at Source) is tax collected at the point of income payment. Your employer, bank, or tenant deducts TDS before paying you and deposits it to the government. You claim credit for all TDS deducted when filing your ITR.

What is TDS rate on FD interest?+

10% if PAN is provided. 20% if PAN is not submitted. No TDS if interest is below ₹40,000/year (₹50,000 for senior citizens) or if you submit Form 15G (below 60 yrs, nil tax) or Form 15H (senior citizen, nil tax).

When is TDS applicable on rent?+

TDS @ 2% on rent for land/building if monthly rent exceeds ₹50,000. TDS @ 2% on plant and machinery rent (Section 194-I). Individual/HUF paying rent above ₹50,000/month must deduct TDS under Section 194-IB at 5% once a year.

How to get TDS refund?+

File your ITR. If your total tax liability is less than TDS deducted, the excess is refunded to your bank account. Refunds usually arrive within 15–45 days after ITR processing. You can check status on the Income Tax e-filing portal.

What is Form 26AS and AIS?+

Form 26AS is your annual tax credit statement showing all TDS deducted by various deductors against your PAN. AIS (Annual Information Statement) is the comprehensive version with income from all sources. Both are available on the Income Tax e-filing portal and should match your ITR entries.

📊 Key TDS Rates 2025-26

Salary (Sec 192)Slab Rate

FD Interest (Sec 194A)10%

Rent >₹50K/mo2%

Professional (Sec 194J)10%

Contractor (Sec 194C)1–2%

No PAN penalty20%

📌 Form 15G / 15H Guide

15G eligibilityBelow 60, nil tax

15H eligibility60+, nil tax

FD threshold (regular)₹40,000/yr

FD threshold (senior)₹50,000/yr

Validity1 financial year

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TDS Calculator India 2025-26 — Salary, FD, Rent & All TDS Rates

TDS (Tax Deducted at Source) is India's mechanism for collecting income tax at the point of payment. Understanding TDS helps you plan your cash flows and claim refunds accurately.

TDS Rates Quick Reference 2025-26

Section	Income Type	TDS Rate	Threshold
192	Salary	Slab Rate	Basic exemption limit
194A	FD / Interest	10%	₹40,000 (₹50K senior)
194-I	Rent (land/building)	2%	₹2.4 L/year
194-I	Rent (plant/machinery)	2%	₹2.4 L/year
194-IB	Rent by individual/HUF	5%	₹50,000/month
194J	Professional fees	10%	₹30,000/year
194C	Contractor	1% / 2%	₹30,000 single / ₹1L year

Form 15G and 15H — Stop TDS on FD

Form	Who Can File	Condition
15G	Individuals below 60 years	Total income below basic exemption limit; total interest below threshold
15H	Senior citizens (60+ years)	Total income results in nil tax liability

What happens if TDS is deducted but I don't owe that much tax?

You get a refund. When you file your ITR, the system computes your actual tax liability. If TDS deducted exceeds what you owe, the difference is refunded by the Income Tax department directly to your bank account, usually within 15–45 days of ITR processing.

Can I check how much TDS has been deducted on my PAN?

Yes — log in to the Income Tax e-filing portal (incometax.gov.in) and view Form 26AS or AIS (Annual Information Statement). These show all TDS deducted across all sources — salary, bank, tenant — mapped to your PAN. Always cross-check these with your employer's Form 16 and bank TDS certificates before filing ITR.

TDS Calculator India

TDS Calculator India 2025-26 — Salary, FD, Rent & All TDS Rates

TDS Rates Quick Reference 2025-26

Form 15G and 15H — Stop TDS on FD

TDS Deducted? Claim Refund & Reinvest It