{"id":1612,"date":"2025-02-26T17:28:24","date_gmt":"2025-02-26T11:58:24","guid":{"rendered":"https:\/\/www.caclubindia.com\/guide\/?p=1612"},"modified":"2025-06-26T15:55:48","modified_gmt":"2025-06-26T10:25:48","slug":"form-15h","status":"publish","type":"post","link":"https:\/\/www.caclubindia.com\/guide\/form-15h\/","title":{"rendered":"Form 15H for Senior Citizens: Save TDS on FD Interest Up to \u20b912L"},"content":{"rendered":"\n<p>Form 15H is self-declaration forms which can be submitted by resident individuals to their banks or financial institutions to request exemption from TDS on interest income earned from fixed deposits, recurring deposits, and other investments.<\/p>\n\n\n\n<p>Now, senior citizen can submit 15H Form if he\/she is earning \u20b912L FD interest for FY 2025-26.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\r\n<div class=\"ez-toc-title-container\">\r\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\r\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\r\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.caclubindia.com\/guide\/form-15h\/#Who_is_Eligible_for_Form_15H_Submission\" >Who is Eligible for Form 15H Submission?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.caclubindia.com\/guide\/form-15h\/#Deadline_for_Form_15H_Submission\" >Deadline for Form 15H Submission<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.caclubindia.com\/guide\/form-15h\/#Applicable_Income_Sources\" >Applicable Income Sources<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.caclubindia.com\/guide\/form-15h\/#How_to_Save_TDS_on_%E2%82%B912_Lakh_FD_Interest\" >How to Save TDS on \u20b912 Lakh FD Interest?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.caclubindia.com\/guide\/form-15h\/#Interest_Calculation_on_FD_for_FY_2025-26\" >Interest Calculation on FD for FY 2025-26<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.caclubindia.com\/guide\/form-15h\/#TDS_Exemption_on_FD_Interest\" >TDS Exemption on FD Interest<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.caclubindia.com\/guide\/form-15h\/#Exemption_of_%E2%82%B912_Lakh_Interest_Income\" >Exemption of \u20b912 Lakh Interest Income<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.caclubindia.com\/guide\/form-15h\/#Calculation\" >Calculation<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who_is_Eligible_for_Form_15H_Submission\"><\/span>Who is Eligible for Form 15H Submission?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Only resident senior citizens (aged 60 years or more) can submit Form 15H.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Deadline_for_Form_15H_Submission\"><\/span>Deadline for Form 15H Submission<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The form must be submitted by 1st week of April to avoid TDS deductions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Applicable_Income_Sources\"><\/span>Applicable Income Sources<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong><a href=\"https:\/\/www.caclubindia.com\/articles\/form-15g-and-form-15h-save-tds-on-interest-income-49598.asp\">Form 15H<\/a><\/strong> can be submitted for income earned under the following sections:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"538\" src=\"https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/02\/Applicable-Income-Sources-for-Form-15H-1024x538.png\" alt=\"\" class=\"wp-image-1614\" srcset=\"https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/02\/Applicable-Income-Sources-for-Form-15H-1024x538.png 1024w, https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/02\/Applicable-Income-Sources-for-Form-15H-300x158.png 300w, https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/02\/Applicable-Income-Sources-for-Form-15H-768x403.png 768w, https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/02\/Applicable-Income-Sources-for-Form-15H.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Save_TDS_on_%E2%82%B912_Lakh_FD_Interest\"><\/span>How to Save TDS on \u20b912 Lakh FD Interest?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Interest_Calculation_on_FD_for_FY_2025-26\"><\/span>Interest Calculation on FD for FY 2025-26<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Suppose a Senior Citizen Deposit Amount:<\/strong> \u20b91,45,00,000<br><strong>Interest Rate: <\/strong>7.5% (compounded quarterly as per SBI)<br><strong>Interest Earned: <\/strong>\u20b9 11,28,382<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"TDS_Exemption_on_FD_Interest\"><\/span>TDS Exemption on FD Interest<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>As per Section 194A, TDS is deducted if the amount exceeds threshold limits.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For Senior Citizen threshold limits is 1,00,000\/-<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If Form 15H is submitted, the bank will not deduct TDS of \u20b91,12,838 (10% of \u20b911,28,382).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Exemption_of_%E2%82%B912_Lakh_Interest_Income\"><\/span>Exemption of \u20b912 Lakh Interest Income<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As per <strong><a href=\"https:\/\/www.caclubindia.com\/notice_circulars\/-income-tax-4th-amendment-rules-2019-modification-in-form-no-15h---9005.asp\">Notification Number G.S.R.375(E) dated 22 May 2019<\/a><\/strong>, banks\/financial institutions accepts Form 15H even if the senior citizen\u2019s total income exceeds the usual threshold for submission, provided their final tax liability is nil after claiming the rebate under Section 87A.<\/p>\n\n\n\n<p><strong>Total Income for FY 2025-26: \u20b911,28,382<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Calculation\"><\/span>Calculation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Tax on \u20b911,28,382 (as per slab rates)<br><strong><a href=\"https:\/\/www.caclubindia.com\/guide\/new-income-tax-slab\/\">Rebate u\/s 87A<\/a><\/strong>: \u20b960,000 (available for income up to \u20b912,00,000)<br>Final Tax Liability: Nil<\/p>\n\n\n\n<p>Since the final tax liability is zero, Form 15H can be submitted to prevent TDS deduction.<\/p>\n\n\n\n<p>Thus, a senior citizen earning up to \u20b912,00,000 from FD interest can submit Form 15H and avoid TDS, ensuring tax-free income.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Form 15H is self-declaration forms which can be submitted by resident individuals to their banks or financial institutions to request [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":1613,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1612","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-income-tax"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Form 15H for Senior Citizens: Save TDS on FD Interest Up to \u20b912L - Tax Guide<\/title>\r\n<meta name=\"description\" content=\"Form 15H is a self-declaration form that resident senior citizens can submit to banks to prevent TDS deduction on interest income.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.caclubindia.com\/guide\/form-15h\/\" \/>\r\n<meta 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