Very knowledgeable video. All doubts are clear about FD. ऑनलाइन बैंकिंग है तो ऑनलाइन FD बूक करना बेहतर है, ब्रांच विजिट मे तो FD के साथ MF, होम लोन , पर्सनल लोन, इन्शुरेंस वाले सब घेर लेते है की अब बचके कान्हा जाएंगा प्यारे तुझे हमने चारो तरफ से घेर लिया है |
Absolutely right. All bankers, Managers & so-called relationship execs have some targets & vested interests. They don't give a damn to your age, safety, taxation etc. Everyone has to be careful.
आदरणीय सर जी आपने ईन्कम टॅक्स के बारेमे बहोत अच्छी तरह से और डिटेल जानकारी दे दी है आपका बहोत बहोत धन्यवाद 🙏🏻🙏🏻 सर जी मै एक सिनियर सिटीज़न हुं, मेरी कुल सालाना ईन्कम 1,50,000 है तो मै पिछले आठ साल से , हर महीने सॅलरी से थोडे थोडे बचाये पैसों से एक लाख और देड लाख ऐसे दो एफडी करा सकता हु?
If your overall tax liability is Nill and overall interest (td+sb) income not exceed basic exception lime (old regime 2.5lac or new regime 3 lac) then you can definitely submit 15g.
Nice and knowledgeable video. I had a SCSS account with 3000000 with 8.5% interest. Every quarter TDS is deducated by bank while crediting the interst. My question: Should I have to pay additional income tax on my interest amount after adding it in income from other sources?
(4) मान लीजिये कि एक ही बैंक में 5 लाख की ऐफ डी , 5 लाख का पी पी ऐफ और 5 लाख का बीमा है (बीमा कम्पनी प्राइवेट है किन्तु एजेंट , बैंक है) और बैंक दिवालिया हो गयी तो कितने पैसे मिलेंगे ?
(3) मान लीजिये 1 लाख का ऐफ डी 1 वर्ष पूर्व का था 1 वर्ष के लिये । वो इस वर्ष रिन्यू हुआ तो वो 1 लाख इस वित्तीय वर्ष के ऑनलाइन वाले भाग में जाएगा या नकद में या कुछ और ?
(1) 40,000 रुपये तक प्रतिवर्ष का ब्याज टी डी ऐस फ्री बता रहे हैं और क्वार्टर्ली फाॅर्म 16 ए की बात कर रहे हैं तो क्या 10,000 रुपये प्रति क्वार्टर की भी सीलिंग है ?
Hello Sir maine 3 mahine pehle aadhar pan ke saath link kiya hai to Mera FD ke interest pe 20% tax deduct ho gaya tha 4 mahine pehle to kya mein ITR file kar ke refund le sakta hu ya nahi
Bank deduct 10% tds on acrual interest of FDin the FY 2022-23 and accually acrual interest is paid as paid interest after duration of one year of FD and again deduct 10% tds on acrual amount in FY 2023-24. MEANING TDS is deducted twice. Same acrual interest amount is reflected in 26as. It is big loss to Itax payers. Pl. Clarify.
Sir mene 11 lakh ki fd ek bank se ki hai 2 lakh ki fd dusre bank se total 13 lakh ki fd ki hai july 2024 me last three years ki itr bhari jisme income 3.5 lakh per year ke hisab se bhari hai to koi notice to nahi aayega
Sir mene 12 lakh ki fd ki hai ek hi bank se july 2024 me last three financial year me itr bhari 4 lakh rupees income per year ke hisab se to koi problem nahi hogi in future me income tax se
सरजी, मैं रिटायर्ड पेंशनर सीनियर सिटीजन हूँ। पत्नी के नाम भी एफडी. करवाई है उनको मिलने वाले ब्याज मेरे खाते में इनकम शो होगी इससे बचने के लिए क्या करें? पत्नी के आईटीआर. रिटर्न फाइल नहीं किया जाता है? कृपया मार्गदर्शन देवें।
Sir mere papak nam se khet ki property thi wo hamne bech di aur jo payment aya wo mere papa k account se mere account me transfer karkr mene 30 lack ki fd ki hai to age income tax se koi dikkat aa sakti hame pls sir help
Sir my father and mother has joint account, they both have made FD 5 lakh for mother and FD 5lakh for father, The interest for mother comes to 35,000 and the interest for father comes to 35,000 so total of both the fd interest comes to 70,000 , so please confirm whether TDS will be deducted or not,
Sir mere papa ke paas 70 lakh hai aur us paisa ka FD lete rehte hai to us paiso ko mummy ya mere account pe saare paise daal kar 70 lakh ki fd par 6 lakh interest bana to usko itr bhar kar new tax regime me saare TDS refund le sakte hai kyunki 7 lakh tak koi tax. Nahi lagta hai
Sir mene 15 lakh ki property sale ki or usko itr 2 me capital gain me show Kiya hai fir mene 20 lakh ki fd ek hi bank se kar di hai to kya notice aa skta hai
Sir, I have a demand of Rs 6010 in 2017 AY and when I called the demand centre and told them that tax deduction is showing in my 26AS they said that the demand has been placed due to TAN number mismatch While filling up ITR, the TAN number got mismatched with form 26AS and then he asked me to email it to the Assessing Officer it's been 12 days, I ,have emailed more than 25 times but still no reply and the demand center is asking me to wait and because of this my refund has been put on hold.
@@CASumitSharmasir mere papa ka jurisdiction Bareilly me the phir unka transfer Bihar mme ho gaya aur unhone pan card transfer nahi kiya to rectification apne area me karwa sakte hai ya fir Bareilly se hoga
सरजी, मैंने पोती के नाम से सुकन्या समृद्धि योजना में पोस्ट आफिस में खाता खुलवाया है क्या 80c अंतर्गत मैं छूट ले सकता हूँ? मेरा लड़का 80c की छूट का लाभ नहीं लेता है। कृपया उचित मार्गदर्शन करें।
No, a grandfather cannot claim a deduction under Section 80C of the Income-tax Act for contributions made to the Sukanya Samriddhi Yojana (SSY) account of his granddaughter, unless he is the legal guardian of the child.
2022 ma 2 lakh cash deposit one time fir next month 2 lakh deposit kiya or fd kiya .mujha pata nahi app kaya ho ga hamra income itr file ka liya nahi ha
But it is wrong to tax on tax. It is mistake in rule. Being sr citizen I comes under 20% bracket. Beyond that I have 50 lac how can give money to major son or wife for scss if clubbing provision applied. Then net int As 8- 1;60=6'40 which is less then gen fd. Pl way
sir mere papa ka jurisdiction Bareilly me the phir unka transfer Bihar mme ho gaya aur unhone pan card transfer nahi kiya to rectification apne area me karwa sakte hai ya fir Bareilly se hoga
![All About FD [Fixed Deposit] || Masterclass of FD || Income Tax and Fixed Deposit Rules #fd](http://i.ytimg.com/vi/o_s4SPKKUmk/mqdefault.jpg)
Very knowledgeable video. All doubts are clear about FD.
ऑनलाइन बैंकिंग है तो ऑनलाइन FD बूक करना बेहतर है, ब्रांच विजिट मे तो FD के साथ MF, होम लोन , पर्सनल लोन, इन्शुरेंस वाले सब घेर लेते है की अब बचके कान्हा जाएंगा प्यारे तुझे हमने चारो तरफ से घेर लिया है |
Same rate interest
It's depend on your convince
Absolutely right. All bankers, Managers & so-called relationship execs have some targets & vested interests. They don't give a damn to your age, safety, taxation etc. Everyone has to be careful.
Good video... FD related all information provided in just a single video...
Thank you 😊
Please do share it with needful
@@CASumitSharma Sure
best video .. all concept covered in 1 video
thank you
Most welcome
अति ज्ञानवर्धक।धन्यवाद
Thank you 👍
आदरणीय सर जी आपने ईन्कम टॅक्स के बारेमे बहोत अच्छी तरह से और डिटेल जानकारी दे दी है आपका बहोत बहोत धन्यवाद 🙏🏻🙏🏻 सर जी मै एक सिनियर सिटीज़न हुं, मेरी कुल सालाना ईन्कम 1,50,000 है तो मै पिछले आठ साल से , हर महीने सॅलरी से थोडे थोडे बचाये पैसों से एक लाख और देड लाख ऐसे दो एफडी करा सकता हु?
Ji kr sakte ho
No problem
@@CASumitSharma Thank you so much Sir 🙏🏻
If your overall tax liability is Nill and overall interest (td+sb) income not exceed basic exception lime (old regime 2.5lac or new regime 3 lac) then you can definitely submit 15g.
👍
Sir Either or survivor means joint fd mein interset kise ke AIS form mein show kare ga.
Primary holder
Jiska pan number laga hai
Otherwise confirm from bank
Or take interst certificate
Or check Ais tis 26 as of both
Nice and knowledgeable video.
I had a SCSS account with 3000000 with 8.5% interest. Every quarter TDS is deducated by bank while crediting the interst. My question: Should I have to pay additional income tax on my interest amount after adding it in income from other sources?
Yes
Tax is need to pay as per slab rates
Rate is 8.2%, 20500 rs per month. 61500 rs quarterly.
Basing on your total taxable income either you can claim refund or pay self assessment tax before filing the return
Most thanks.
🙏🙏
Very good information ji.
So nice of you
best information sir
Thank you 😊
(4) मान लीजिये कि एक ही बैंक में 5 लाख की ऐफ डी , 5 लाख का पी पी ऐफ और 5 लाख का बीमा है (बीमा कम्पनी प्राइवेट है किन्तु एजेंट , बैंक है) और बैंक दिवालिया हो गयी तो कितने पैसे मिलेंगे ?
5 lakh
best video sir
Thanks and welcome
(3) मान लीजिये 1 लाख का ऐफ डी 1 वर्ष पूर्व का था 1 वर्ष के लिये । वो इस वर्ष रिन्यू हुआ तो वो 1 लाख इस वित्तीय वर्ष के ऑनलाइन वाले भाग में जाएगा या नकद में या कुछ और ?
Renewal count nhi hogs
Very good information
Aap ek NRE kay uper b video banow
Will try
@@CASumitSharma 🙏🙏🙏
Sir agar saal bhar ki pension 7 lakh above ho aur ppf interest 1 Lac aata ho toh wo interest bhi jud jayega kya aur uspe tax banega kya
Nahi judega
(2) 2 लाख रुपये तक नकद ऐफ डी और 10 लाख रुपये तक नकद-ऑनलाइन वाले में 2 लाख से कम नकद और शेष ऑनलाइन ऐफ डी कराना है क्या ?
Ji
Overall 10 lakh
अलग अलग bank account में पांच पांच lack की fd कराने पर भी TDS कटेगा या नहीं।
No
Nyce info sir
Thanks
Sir 1 financial year me saving account se kitne paise ki transaction kar sakte hain?
Please reply sir 🙏🙏
Jitne mrji kro
Records hona chaiye
ITR me show kro
Sir fd may join account ho to ketna rupeea limits ka bad tax hoga /tds keya hoga
40k
Senior citizens 50k
@@CASumitSharma sir only fd na fd+saving account interest total 40k
Only FD
@@CASumitSharma sir iss rules 1june 2024 ka bad all fd par lagu hoga. Or 1jun 2024 ka phahala fd ka leya ke same rule!
@@AnjanManna-d5i01-04-2024 से 31-03-2025
(1) 40,000 रुपये तक प्रतिवर्ष का ब्याज टी डी ऐस फ्री बता रहे हैं और क्वार्टर्ली फाॅर्म 16 ए की बात कर रहे हैं तो क्या 10,000 रुपये प्रति क्वार्टर की भी सीलिंग है ?
No
SIR ITR 3 OR ITR 4 SAME H KYA
Alag
👌
🙏🙏😊
Good g
Thanks
Hello Sir maine 3 mahine pehle aadhar pan ke saath link kiya hai to Mera FD ke interest pe 20% tax deduct ho gaya tha 4 mahine pehle to kya mein ITR file kar ke refund le sakta hu ya nahi
Refund possible If TDS showing in 26 AS
Bank deduct 10% tds on acrual interest of FDin the FY 2022-23 and accually acrual interest is paid as paid interest after duration of one year of FD and again deduct 10% tds on acrual amount in FY 2023-24. MEANING TDS is deducted twice. Same acrual interest amount is reflected in 26as. It is big loss to Itax payers. Pl. Clarify.
No
TDS can't deducted twice..
Take detailed interest certificate of both years and then compare
Sir mene 11 lakh ki fd ek bank se ki hai 2 lakh ki fd dusre bank se total 13 lakh ki fd ki hai july 2024 me last three years ki itr bhari jisme income 3.5 lakh per year ke hisab se bhari hai to koi notice to nahi aayega
Less chances
3 बैंक में साढ़े 4 , साढ़े 4 और 4 लाख की करानी थी
SIR MERI INCOME GAMEING SE H OR INCOME BHI 170000 SE KM H TO BHI TAX LAGEGA KYA
Yes
Sir,
35 Lakh ka old fd torke firse 35 Lakh ka new fd karbaya hain interest increase honeke karan. Koi problem hoga kya?
No problem
You have proofs
Thankyou sir.
God bless you.
Sir mene 12 lakh ki fd ki hai ek hi bank se july 2024 me last three financial year me itr bhari 4 lakh rupees income per year ke hisab se to koi problem nahi hogi in future me income tax se
No problem
3 बैंक में 4-4 लाख बेहतर
sir papa mummy ke account pe 70 lakh paise transfer kar denge to koi dikkat to nahi hoga
Clubbing of income provisions
सरजी, मैं रिटायर्ड पेंशनर सीनियर सिटीजन हूँ। पत्नी के नाम भी एफडी. करवाई है उनको मिलने वाले ब्याज मेरे खाते में इनकम शो होगी इससे बचने के लिए क्या करें? पत्नी के आईटीआर. रिटर्न फाइल नहीं किया जाता है? कृपया मार्गदर्शन देवें।
Direct Paisa aapke account se wife k account me transfer mt kro..
Wife ko ITR file krdo
धन्यवाद, सरजी।👏
Sir mere papak nam se khet ki property thi wo hamne bech di aur jo payment aya wo mere papa k account se mere account me transfer karkr mene 30 lack ki fd ki hai to age income tax se koi dikkat aa sakti hame pls sir help
Notice aa sakta hai
File ITR accordingly
Agar aapke pass sources hai to no problem
Loquid fund pe 100% loan amount milta hain right?
Thoda bhut kam
Sir my father and mother has joint account, they both have made FD 5 lakh for mother and FD 5lakh for father,
The interest for mother comes to 35,000 and the interest for father comes to 35,000 so total of both the fd interest comes to 70,000 , so please confirm whether TDS will be deducted or not,
The interest of 1 FD is less than 40,000
The interest earned on both different FD are 70,000, please confirm if TDS will be deducted or not?
If they consider primary pan holder then yes
If interest will get credited separately then no
Sir mere papa ke paas 70 lakh hai aur us paisa ka FD lete rehte hai to us paiso ko mummy ya mere account pe saare paise daal kar 70 lakh ki fd par 6 lakh interest bana to usko itr bhar kar new tax regime me saare TDS refund le sakte hai kyunki 7 lakh tak koi tax. Nahi lagta hai
Yes
@@CASumitSharma sir papa mummy ke account pe 70 lakh paise transfer kar denge to koi dikkat to nahi hoga
If interested up to 7lac then no tax as per new rezime
@@ramakantpandey6069माँ की ऐब्सोल्यूट प्रापर्टी हो सकती है ।😂
Sir mene 15 lakh ki property sale ki or usko itr 2 me capital gain me show Kiya hai fir mene 20 lakh ki fd ek hi bank se kar di hai to kya notice aa skta hai
No problem
If ITR filed accordingly
Ok thanks sir
Sir, I have a demand of Rs 6010 in 2017 AY and when I called the demand centre and told them that tax deduction is showing in my 26AS they said that the demand has been placed due to TAN number mismatch While filling up ITR, the TAN number got mismatched with form 26AS and then he asked me to email it to the Assessing Officer it's been 12 days, I ,have emailed more than 25 times but still no reply and the demand center is asking me to wait and because of this my refund has been put on hold.
Better to visit local income tax office
@@CASumitSharmasir mere papa ka jurisdiction Bareilly me the phir unka transfer Bihar mme ho gaya aur unhone pan card transfer nahi kiya to rectification apne area me karwa sakte hai ya fir Bareilly se hoga
Sir I have filed itr(u) on 15-3-24 but no intimation yet
It's takes time almost 6 months n above
Better to wait for processing
सरजी, मैंने पोती के नाम से सुकन्या समृद्धि योजना में पोस्ट आफिस में खाता खुलवाया है क्या 80c अंतर्गत मैं छूट ले सकता हूँ? मेरा लड़का 80c की छूट का लाभ नहीं लेता है। कृपया उचित मार्गदर्शन करें।
Nhi milega
No, a grandfather cannot claim a deduction under Section 80C of the Income-tax Act for contributions made to the Sukanya Samriddhi Yojana (SSY) account of his granddaughter, unless he is the legal guardian of the child.
@@CASumitSharma thanks Sirji.
One year ma 10 lac new fd ki limit hai?
Ji
2022 ma 2 lakh cash deposit
one time fir next month 2 lakh deposit kiya or fd kiya .mujha pata nahi app kaya ho ga hamra income
itr file ka liya nahi ha
Check Ais tis 26 as
And respond accordingly
@@CASumitSharma huma income tax website ma account nahi ha
But it is wrong to tax on tax. It is mistake in rule. Being sr citizen I comes under 20% bracket. Beyond that I have 50 lac how can give money to major son or wife for scss if clubbing provision applied. Then net int As 8- 1;60=6'40 which is less then gen fd. Pl way
👍
पत्नी गृहणी हो। income zero। पति ने पत्नी के नाम पर FD कराई हो। तो intrest जो मिलेगा वह पति के income में जुड़ जाएगी???
As per clubbing of income provisions
Husband k
Yes
Gift your money to children (18+) through gift deed and open FD to avoid clubbing Of Income.
sir mere papa ka jurisdiction Bareilly me the phir unka transfer Bihar mme ho gaya aur unhone pan card transfer nahi kiya to rectification apne area me karwa sakte hai ya fir Bareilly se hoga
Yes
orm@cpc.incometax.gov.in
Tweet krdo income tax department ko
Grevianve raise krdo online
Thank you sir, very informative video,, can you share your contact number ??
8875042000