Form 15h

hi, as per the income tax act, form 15g is to be submitted,by a person,not being a senior citizen,if he satisifes the following 2 conditions

1. total interest received doesn't exceed the maximum amount not chargeable to tax AND

2. final tax liability on estimated income is NIL

REGARDING POINT 2: what is final tax liablity for salaried employees? is it gross total income LESS 80C deductions?

and does final tax liabilty mean after deduction of TDS on salary also?