Saving Bank Interest Income in case of joint account


This query is : Resolved 

Quick Summary
If you have a joint savings account, only the first account holder can declare the interest income on their Income Tax Return (ITR). However, if the first holder doesn't declare it and can prove the funds belong to the second holder, then the second holder may be able to claim it. It's a complex situation, so seeking advice is recommended.

17 August 2025 In case of Joint saving bank account. Can 2nd Holder can declare saving bank interest in his ITR as 1st holder do not file his ITR.

17 August 2025 Not eligible; unless first holder do not declare it in his ITR and proves that the fund belongs to second holder.

23 September 2025 Good luck....


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