TDS NOT DEDUCTED ON SALARY PAID

If the salary paid for the financial year falls below the taxable limit, employer would not deduct TDS.

If you got income from other employers also, and various other sources, you have to report all the incomes, calculate the tax and pay it. And then file the return.

The liability to pay income tax is YOURS as the employee. Your employer's failure to deduct TDS does not remove your obligation to pay tax and file ITR.

What to do:

1. CALCULATE TAX DUE: Estimate your full annual taxable salary (gross salary minus standard deduction of Rs 75,000 under new regime, or claimed deductions under old regime). Apply applicable slab rates to get your total tax liability.

2. CHECK WHAT IS ALREADY CREDITED: Log in to incometax.gov.in, open AIS (Annual Information Statement), and verify if any TDS or advance tax payments are already reflected against your PAN. Even if your employer said nothing was deducted, double-check.

3. PAY SELF-ASSESSMENT TAX: If tax is outstanding, pay it as Self Assessment Tax using Challan 280 on the income tax portal under "Pay Tax". Select minor head Code 300 (Self Assessment Tax). Pay BEFORE you file your ITR to avoid interest under Section 234B.

4. HANDLE ADVANCE TAX INTEREST: If the total tax due exceeds Rs 10,000 and you did not pay any advance tax in installments (due June 15, September 15, December 15, March 15), you will also owe interest under Section 234C. This applies per installment missed.

5. FILE ITR CORRECTLY: In your ITR, enter full salary income, show zero TDS deducted (since employer deducted nothing), and enter the Challan 280 payment details in the "Self-Assessment Tax Paid" field.

For the advance tax calculation schedule and how to use Challan 280, this [advance tax and self-assessment payment guide](https://taxgarden.in/blog/advance-tax-installment-due-dates-2026-27) has the exact installment dates and calculation method.