{"id":2874,"date":"2026-04-25T15:23:49","date_gmt":"2026-04-25T09:53:49","guid":{"rendered":"https:\/\/www.caclubindia.com\/guide\/?p=2874"},"modified":"2026-04-25T15:23:52","modified_gmt":"2026-04-25T09:53:52","slug":"form-121-tds-declaration","status":"publish","type":"post","link":"https:\/\/www.caclubindia.com\/guide\/form-121-tds-declaration\/","title":{"rendered":"Form 121: India&#8217;s New TDS Declaration Form (Replaces Forms 15G &amp; 15H)"},"content":{"rendered":"\n<div class=\"page-wrap\">\n\n  <!-- TOC -->\n  <nav class=\"toc\" aria-label=\"Table of contents\">\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-121-tds-declaration\/#Contents\" >Contents<\/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-121-tds-declaration\/#Why_the_Government_Replaced_15G_and_15H\" >Why the Government Replaced 15G and 15H<\/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-121-tds-declaration\/#Who_Can_File_Form_121\" >Who Can File Form 121?<\/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-121-tds-declaration\/#Income_Types_Covered_Under_Form_121\" >Income Types Covered Under Form 121<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.caclubindia.com\/guide\/form-121-tds-declaration\/#Form_121_vs_Form_15G_vs_Form_15H_%E2%80%94_Key_Differences\" >Form 121 vs Form 15G vs Form 15H \u2014 Key Differences<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.caclubindia.com\/guide\/form-121-tds-declaration\/#How_to_Submit_Form_121_%E2%80%94_Step_by_Step\" >How to Submit Form 121 \u2014 Step by Step<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.caclubindia.com\/guide\/form-121-tds-declaration\/#Check_your_eligibility\" >Check your eligibility<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.caclubindia.com\/guide\/form-121-tds-declaration\/#Download_the_official_form\" >Download the official form<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.caclubindia.com\/guide\/form-121-tds-declaration\/#Fill_Part_A_%E2%80%94_Declarant_Details\" >Fill Part A \u2014 Declarant Details<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.caclubindia.com\/guide\/form-121-tds-declaration\/#Fill_Part_B_%E2%80%94_Payer_Details\" >Fill Part B \u2014 Payer Details<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.caclubindia.com\/guide\/form-121-tds-declaration\/#Submit_before_income_is_credited\" >Submit before income is credited<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.caclubindia.com\/guide\/form-121-tds-declaration\/#Submit_separately_to_each_payer\" >Submit separately to each payer<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.caclubindia.com\/guide\/form-121-tds-declaration\/#Common_Mistakes_That_Cause_TDS_to_Get_Deducted_Anyway\" >Common Mistakes That Cause TDS to Get Deducted Anyway<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.caclubindia.com\/guide\/form-121-tds-declaration\/#1_Submitting_after_interest_is_credited\" >1. Submitting after interest is credited<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.caclubindia.com\/guide\/form-121-tds-declaration\/#2_Filing_with_only_one_bank_when_you_have_FDs_in_multiple_banks\" >2. Filing with only one bank when you have FDs in multiple banks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.caclubindia.com\/guide\/form-121-tds-declaration\/#3_PAN_errors\" >3. PAN errors<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.caclubindia.com\/guide\/form-121-tds-declaration\/#4_Underestimating_total_income\" >4. Underestimating total income<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.caclubindia.com\/guide\/form-121-tds-declaration\/#5_Not_resubmitting_when_deposits_change\" >5. Not resubmitting when deposits change<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.caclubindia.com\/guide\/form-121-tds-declaration\/#6_Using_old_15G15H_forms\" >6. Using old 15G\/15H forms<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.caclubindia.com\/guide\/form-121-tds-declaration\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\r\n<h2><span class=\"ez-toc-section\" id=\"Contents\"><\/span>Contents<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <ol>\n      <li><a href=\"#why-replaced\">Why the Government Replaced 15G and 15H<\/a><\/li>\n      <li><a href=\"#eligibility\">Who Can File Form 121?<\/a><\/li>\n      <li><a href=\"#income-covered\">Income Types Covered<\/a><\/li>\n      <li><a href=\"#comparison\">Form 121 vs 15G vs 15H \u2014 Key Differences<\/a><\/li>\n      <li><a href=\"#how-to-submit\">How to Submit Form 121 \u2014 Step by Step<\/a><\/li>\n      <li><a href=\"#mistakes\">Common Mistakes That Cause TDS Anyway<\/a><\/li>\n      <li><a href=\"#faq\">Frequently Asked Questions<\/a><\/li>\n    <\/ol>\n  <\/nav>\n\n  <!-- Intro -->\n  <div class=\"intro-box\">\n    From <strong>April 1, 2026<\/strong>, <strong>Form 121<\/strong> is the only TDS self-declaration form you need to prevent tax deduction at source on interest, dividends, and other income \u2014 provided your total tax liability for the year is nil. It replaces both <strong>Form 15G<\/strong> (for individuals under 60) and <strong>Form 15H<\/strong> (for senior citizens) under the new <strong>Income Tax Act 2025<\/strong>.\n    <br><br>\n    If you submitted Form 15G or 15H in previous years, you must now use Form 121. This guide explains exactly who can file it, what income it covers, how to submit it, and the mistakes that cause TDS to get deducted even after submission.\n  <\/div>\n\n  <!-- Section 1 -->\n  <section id=\"why-replaced\">\n    <h2><span class=\"ez-toc-section\" id=\"Why_the_Government_Replaced_15G_and_15H\"><\/span>Why the Government Replaced 15G and 15H<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>The old system had two separate forms \u2014 <strong>15G<\/strong> for taxpayers under 60 and <strong>15H<\/strong> for those 60 and above. This created unnecessary complexity: a 59-year-old would file 15G one year and switch to 15H the next, with different eligibility rules, different conditions, and plenty of room for confusion.<\/p>\n    <p>Form 121 consolidates both into one <strong>age-neutral declaration<\/strong>. The core eligibility condition remains the same \u2014 your estimated tax liability for the financial year must be nil \u2014 but now a single form applies regardless of your age.<\/p>\n  <\/section>\n\n  <!-- Section 2 -->\n  <section id=\"eligibility\">\n    <h2><span class=\"ez-toc-section\" id=\"Who_Can_File_Form_121\"><\/span>Who Can File Form 121?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>You are eligible to submit Form 121 if you meet <strong>all three<\/strong> of the following conditions:<\/p>\n    <ol>\n      <li>You are a <strong>resident individual or HUF<\/strong> (Hindu Undivided Family)<\/li>\n      <li>Your <strong>PAN is valid and operative<\/strong><\/li>\n      <li>Your <strong>estimated total tax liability for the financial year is nil<\/strong><\/li>\n    <\/ol>\n\n    <p><strong>Not eligible:<\/strong><\/p>\n    <ul>\n      <li>Companies and firms (regardless of income level)<\/li>\n      <li>Non-resident Indians (NRIs)<\/li>\n      <li>Anyone whose total income, after deductions, still attracts tax<\/li>\n    <\/ul>\n\n    <div class=\"highlight-box\">\n      <strong>Common misconception:<\/strong> You don&#8217;t need zero income \u2014 you need zero <em>tax liability<\/em>. If your total income falls within the basic exemption limit, or your deductions bring your taxable income to nil, you qualify. For FY 2026\u201327, the basic exemption limit under the new tax regime is <strong>Rs. 4 lakh<\/strong>.\n    <\/div>\n  <\/section>\n\n  <!-- Section 3 -->\n  <section id=\"income-covered\">\n    <h2><span class=\"ez-toc-section\" id=\"Income_Types_Covered_Under_Form_121\"><\/span>Income Types Covered Under Form 121<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>Form 121 can be used to prevent TDS on the following income categories:<\/p>\n    <div class=\"table-wrap\">\n      <table>\n        <thead>\n          <tr>\n            <th>Income Type<\/th>\n            <th>TDS Deducted By<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>Interest on bank fixed deposits<\/td><td>Banks, post offices, co-operative societies<\/td><\/tr>\n          <tr><td>Interest on savings accounts (above threshold)<\/td><td>Banks<\/td><\/tr>\n          <tr><td>Dividends from shares and mutual funds<\/td><td>Companies, AMCs<\/td><\/tr>\n          <tr><td>Income from mutual fund units<\/td><td>AMCs<\/td><\/tr>\n          <tr><td>PF withdrawals (below 5 years of service)<\/td><td>EPFO, private PF trusts<\/td><\/tr>\n          <tr><td>Life insurance payouts<\/td><td>Insurance companies<\/td><\/tr>\n          <tr><td>Rent (above threshold)<\/td><td>Payers of rent<\/td><\/tr>\n          <tr><td>Insurance commission<\/td><td>Insurance companies<\/td><\/tr>\n          <tr><td>Pension (certain categories)<\/td><td>Pension disbursing entities<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n    <div class=\"highlight-box\">\n      You must submit Form 121 <strong>separately to each payer<\/strong>. If your FD interest comes from three different banks, you file three separate declarations.\n    <\/div>\n  <\/section>\n\n  <!-- Section 4 -->\n  <section id=\"comparison\">\n    <h2><span class=\"ez-toc-section\" id=\"Form_121_vs_Form_15G_vs_Form_15H_%E2%80%94_Key_Differences\"><\/span>Form 121 vs Form 15G vs Form 15H \u2014 Key Differences<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <div class=\"table-wrap\">\n      <table>\n        <thead>\n          <tr>\n            <th>Feature<\/th>\n            <th>Form 15G (old)<\/th>\n            <th>Form 15H (old)<\/th>\n            <th>Form 121 (new)<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr>\n            <td>Applicable from<\/td>\n            <td>Pre-April 2026<\/td>\n            <td>Pre-April 2026<\/td>\n            <td><strong>April 1, 2026 onwards<\/strong><\/td>\n          <\/tr>\n          <tr>\n            <td>Who files it<\/td>\n            <td>Individuals below 60<\/td>\n            <td>Individuals 60+<\/td>\n            <td><strong>Any age + HUFs<\/strong><\/td>\n          <\/tr>\n          <tr>\n            <td>Governing law<\/td>\n            <td>Income Tax Act, 1961<\/td>\n            <td>Income Tax Act, 1961<\/td>\n            <td>Income Tax Act, 2025<\/td>\n          <\/tr>\n          <tr>\n            <td>Age restriction<\/td>\n            <td>Yes (under 60 only)<\/td>\n            <td>Yes (60+ only)<\/td>\n            <td><strong>None<\/strong><\/td>\n          <\/tr>\n          <tr>\n            <td>HUFs covered<\/td>\n            <td>Yes<\/td>\n            <td>No<\/td>\n            <td><strong>Yes<\/strong><\/td>\n          <\/tr>\n          <tr>\n            <td>Tax liability condition<\/td>\n            <td>Must be nil<\/td>\n            <td>Must be nil<\/td>\n            <td>Must be nil<\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n    <div class=\"warning-box\">\n      <strong>Important:<\/strong> If you filed 15G or 15H for FY 2025\u201326, you must use Form 121 from FY 2026\u201327 onward. The old forms are <strong>invalid from April 1, 2026<\/strong> \u2014 institutions are required to reject them and deduct TDS.\n    <\/div>\n  <\/section>\n\n  <!-- Section 5 -->\n  <section id=\"how-to-submit\">\n    <h2><span class=\"ez-toc-section\" id=\"How_to_Submit_Form_121_%E2%80%94_Step_by_Step\"><\/span>How to Submit Form 121 \u2014 Step by Step<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <div class=\"steps\">\n\n      <div class=\"step\">\n        <div class=\"step-num\">1<\/div>\n        <div class=\"step-body\">\n          <h3><span class=\"ez-toc-section\" id=\"Check_your_eligibility\"><\/span>Check your eligibility<span class=\"ez-toc-section-end\"><\/span><\/h3>\n          <p>Estimate your total income for FY 2026\u201327 from all sources \u2014 salary, interest, dividends, rent, pension. Subtract applicable deductions. If the resulting taxable income carries zero tax liability, you can proceed.<\/p>\n        <\/div>\n      <\/div>\n\n      <div class=\"step\">\n        <div class=\"step-num\">2<\/div>\n        <div class=\"step-body\">\n          <h3><span class=\"ez-toc-section\" id=\"Download_the_official_form\"><\/span>Download the official form<span class=\"ez-toc-section-end\"><\/span><\/h3>\n          <p>Get the Form 121 PDF from the Income Tax Department at <strong>incometaxindia.gov.in<\/strong>. Do not use third-party PDFs \u2014 use only the official version to avoid rejection.<\/p>\n        <\/div>\n      <\/div>\n\n      <div class=\"step\">\n        <div class=\"step-num\">3<\/div>\n        <div class=\"step-body\">\n          <h3><span class=\"ez-toc-section\" id=\"Fill_Part_A_%E2%80%94_Declarant_Details\"><\/span>Fill Part A \u2014 Declarant Details<span class=\"ez-toc-section-end\"><\/span><\/h3>\n          <p>Enter your full name (exactly as on PAN card), PAN number, complete residential address, assessment year (2026\u201327), nature of income, estimated income amount, and total estimated income for the year.<\/p>\n          <p style=\"margin-top:8px;\"><strong>For HUFs:<\/strong> Enter the HUF name in full \u2014 not the Karta&#8217;s individual name.<\/p>\n        <\/div>\n      <\/div>\n\n      <div class=\"step\">\n        <div class=\"step-num\">4<\/div>\n        <div class=\"step-body\">\n          <h3><span class=\"ez-toc-section\" id=\"Fill_Part_B_%E2%80%94_Payer_Details\"><\/span>Fill Part B \u2014 Payer Details<span class=\"ez-toc-section-end\"><\/span><\/h3>\n          <p>Provide the payer&#8217;s name, address, and TAN. The payer institution completes Part B on their end after you submit.<\/p>\n        <\/div>\n      <\/div>\n\n      <div class=\"step\">\n        <div class=\"step-num\">5<\/div>\n        <div class=\"step-body\">\n          <h3><span class=\"ez-toc-section\" id=\"Submit_before_income_is_credited\"><\/span>Submit before income is credited<span class=\"ez-toc-section-end\"><\/span><\/h3>\n          <p>This is the most critical timing rule. Submit Form 121 <strong>before the income is paid or credited to your account<\/strong>. If you miss this window, TDS is already deducted and you will need to claim a refund when filing your ITR.<\/p>\n          <p style=\"margin-top:8px;\">For FDs with monthly interest: submit in April, before the first interest credit of the financial year.<\/p>\n        <\/div>\n      <\/div>\n\n      <div class=\"step\">\n        <div class=\"step-num\">6<\/div>\n        <div class=\"step-body\">\n          <h3><span class=\"ez-toc-section\" id=\"Submit_separately_to_each_payer\"><\/span>Submit separately to each payer<span class=\"ez-toc-section-end\"><\/span><\/h3>\n          <p>One form per payer, per financial year. Submit directly to each institution that pays you income \u2014 your bank, AMC, or insurance company.<\/p>\n          <ul style=\"margin-top:8px;\">\n            <li><strong>Online:<\/strong> Log in to net banking \u2192 Forms\/TDS section \u2192 submit Form 121 digitally (e-verification via Aadhaar OTP or net banking)<\/li>\n            <li><strong>Offline:<\/strong> Download, fill, sign, and physically submit at your bank branch or the paying institution<\/li>\n          <\/ul>\n        <\/div>\n      <\/div>\n\n    <\/div>\n  <\/section>\n\n  <!-- Section 6 -->\n  <section id=\"mistakes\">\n    <h2><span class=\"ez-toc-section\" id=\"Common_Mistakes_That_Cause_TDS_to_Get_Deducted_Anyway\"><\/span>Common Mistakes That Cause TDS to Get Deducted Anyway<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n    <div class=\"mistake\">\n      <h3><span class=\"ez-toc-section\" id=\"1_Submitting_after_interest_is_credited\"><\/span>1. Submitting after interest is credited<span class=\"ez-toc-section-end\"><\/span><\/h3>\n      <p>The single most common mistake. If your FD credits interest on April 5 and you submit Form 121 on April 10, TDS is already gone. Submit at the start of every financial year, before any income is credited.<\/p>\n    <\/div>\n\n    <div class=\"mistake\">\n      <h3><span class=\"ez-toc-section\" id=\"2_Filing_with_only_one_bank_when_you_have_FDs_in_multiple_banks\"><\/span>2. Filing with only one bank when you have FDs in multiple banks<span class=\"ez-toc-section-end\"><\/span><\/h3>\n      <p>Each payer is independent. If you have deposits at SBI, HDFC, and a co-operative bank, you need three separate Form 121 submissions \u2014 one to each institution.<\/p>\n    <\/div>\n\n    <div class=\"mistake\">\n      <h3><span class=\"ez-toc-section\" id=\"3_PAN_errors\"><\/span>3. PAN errors<span class=\"ez-toc-section-end\"><\/span><\/h3>\n      <p>A single wrong character in your PAN invalidates the entire declaration. TDS will be deducted at 20% \u2014 the higher rate applicable when PAN is not correctly furnished. Double-check every character before submitting.<\/p>\n    <\/div>\n\n    <div class=\"mistake\">\n      <h3><span class=\"ez-toc-section\" id=\"4_Underestimating_total_income\"><\/span>4. Underestimating total income<span class=\"ez-toc-section-end\"><\/span><\/h3>\n      <p>Include all income sources, not just the one you&#8217;re filing Form 121 for. If your actual income later crosses the taxable threshold, the declaration becomes incorrect and can attract penalties under the Income Tax Act.<\/p>\n    <\/div>\n\n    <div class=\"mistake\">\n      <h3><span class=\"ez-toc-section\" id=\"5_Not_resubmitting_when_deposits_change\"><\/span>5. Not resubmitting when deposits change<span class=\"ez-toc-section-end\"><\/span><\/h3>\n      <p>If you open a new FD or renew an existing one mid-year, you must submit Form 121 again to that institution. The form covers a specific financial year and specific income \u2014 it does not automatically cover new or renewed deposits.<\/p>\n    <\/div>\n\n    <div class=\"mistake\">\n      <h3><span class=\"ez-toc-section\" id=\"6_Using_old_15G15H_forms\"><\/span>6. Using old 15G\/15H forms<span class=\"ez-toc-section-end\"><\/span><\/h3>\n      <p>From April 1, 2026, institutions are required to reject old forms and deduct TDS. Always use Form 121.<\/p>\n    <\/div>\n  <\/section>\n\n  <!-- FAQ -->\n  <section id=\"faq\">\n    <h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <div class=\"faq-list\">\n\n      <details>\n        <summary>Is submitting Form 121 mandatory?<\/summary>\n        <div class=\"faq-answer\">No. It is optional. If you do not submit it and your income is taxable, TDS is correctly deducted. If your income is below the taxable limit but you do not file, TDS will still be deducted \u2014 you can then claim a refund when filing your ITR.<\/div>\n      <\/details>\n\n      <details>\n        <summary>Can I submit Form 121 if I also have salary income?<\/summary>\n        <div class=\"faq-answer\">Yes, provided your total estimated tax liability for the year is nil. Include your salary when estimating total income before deciding to file.<\/div>\n      <\/details>\n\n      <details>\n        <summary>Do I need to file Form 121 with the Income Tax Department?<\/summary>\n        <div class=\"faq-answer\">No. You submit it directly to the payer \u2014 your bank, AMC, or insurance company. The payer is required to report submissions to the department quarterly.<\/div>\n      <\/details>\n\n      <details>\n        <summary>What happens if I file Form 121 but my income later exceeds the taxable limit?<\/summary>\n        <div class=\"faq-answer\">You are responsible for the accuracy of the declaration. If your actual income results in a tax liability, you must pay the tax when filing your ITR. Filing a false declaration attracts prosecution under the Income Tax Act.<\/div>\n      <\/details>\n\n      <details>\n        <summary>Can NRIs submit Form 121?<\/summary>\n        <div class=\"faq-answer\">No. Form 121 is only for resident individuals and HUFs. NRIs must use separate TDS exemption mechanisms available to them under DTAA or other provisions.<\/div>\n      <\/details>\n\n      <details>\n        <summary>Is there a deadline to submit Form 121?<\/summary>\n        <div class=\"faq-answer\">No fixed deadline, but it must be submitted before income is credited or paid. The practical deadline for most fixed deposit holders is early April each financial year, before the first interest credit.<\/div>\n      <\/details>\n\n      <details>\n        <summary>What if my bank doesn&#8217;t accept Form 121 online?<\/summary>\n        <div class=\"faq-answer\">Submit the physical form at the branch and keep an acknowledgement copy. 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