कितने Saving Bank Account रख सकते है ताकि Income Tax से कोई नोटिस नहीं आये (2022)
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- Опубликовано: 14 окт 2024
- There are certain Deposit and Withdrawal Limits in a Savings Bank Account for a Financial Year and if you cross this limit you may get a notice from income tax department seeking an explanation of the source of the funds. This video explains the limit and the concepts of cash deposit and withdrawals from a savings bank account.
Video link for Saving bank account transactions:
• Savings Account में कि...
Video link for Current account transactions:
• Current Account में कि...
Annual Information Report (List of high-value transactions):
www.incometaxi...
DISCLAIMER ********
This video is merely a general guide meant for learning purposes only. All the instructions, references,content or documents are for educational purposes only and do not constitute a legal advice. We do not accept any liabilities whatsoever for any losses caused directly or indirectly by the use/reliance of any information contained in this video or for any conclusion of the information. Prior to acting upon this video, you're suggested to seek the advice of your financial, legal, tax or professional advisors as to the risks involved may be obtained and necessary due diligence, etc may be done at your end.
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Very informative video thank for sharing knowledge with us
Most welcome Sir. Stay connected
Good information
1 saving accounts se dusre saving accounts me check se one financial year me kit na amount tak trasection krsak te he income tex ka notice aa sakta he
Sir Mera 100M rupe ane he saving account me to Kiya kru me jise income tax ko masla na ho
@@Glimpsesshorts bhaad mein ja
Agar saving ac me eksath 4 lac 50 k jma kre to kya income tax pay krna hoga? Ya
Fir kuch aur face krna pdega?
Sir ham savings account me per month kitne transection kar sakte h ...chahe phone pay ho ya account se ho...ki TeX na lage
Sir ..... Please make vidoe on digital saving account like a Paytm Payment,Airtel Payment bank and kotak bank and many more. If I have a digital AC like paytm saving account so how many diposite and widraw limit in a financial year.?
Sir iss jankari ke liye dhanyawad..
Lekin sir mujhe ek aur chiz janni thi ..yadi kisi aur k paisa hum apne account me rakhte hai ...aur share market me lgate hai to iska kya limit hai aur isme income tax ko pta chlegi ki source kyy hai aapka
What about withdrawing cash from abroad through international debit card ?..
Saving Account main Property Sale Karne per Kitna Amount Rakh skate Hain, taki Inkam Tax kee pareshani na ho.Majboori main property sale Karne per kya Inkam tax kee problem As Sakti hai.
My question about refund received from Builder with interest after the Rera Verdict.
Should I include the principal amount while filling ITR return? Or only Interest part.Can I divide interest part in 2 or 3 years?
Pls make video that agar kisi ke pass alag alag bank me 3-4 saving account hai aur sabhi se maximum 2 lacks ke deposit ya withdraw karte hua total ten lacks se jayada ho jata hai one financial year me to income se koi notice ya usko koi issue ho sakata hai kya. ???
Plz make video sir quickly I waiting for video about this
Income tax wale notice aam loggo ko he degi par ministers ko nhi!!
Ha Bhai aam admi jyada Kamata hai to unko taklif Hoti hai politician, criminals kamate hai to unko koi puchewala Nahi hai, Sarkar aam admi ke liye hai e nai
Are bhai tum kyo tnsn le rhe ho tumko puri life nhi aayega tnsn mt lo
ek toh kam ni agar thoda bhut hai toh .... yh aam aadmi ke piche lg jte hai..
Minister's income is exempt
abb aati hai opposition party ko
A pensioner has a total deposit of Rs 17.5 lac in saving bank accounts which includes cash deposits of less tha Rs 5 lacs and remaining through cheques and neft during a financial year.In addition he is in receipt of gross pension and other taxable benifits amounting to Rs 20 lacs on which TDS is deducted at source.Will the amount of Rs 17.5 lacs fall under high value transactions.
Bht acha laga sunke mashallah thoda Aram lagra mere ko brother sunke
Sir Ye Jo apne 200000 aur 100000 lac ka jo limitation bataya hai saving account ka ye Hard Cash k upar hai ya Net Banking Hard cash sab mila kar......?????
If I have 4-5 and more saving accounts then by PAN through Income tax depart can trace or send me notice or not
HDFC ka salary account negative mai close ho gewa hai to Kya HDFC mai hi dusra new open ho jayga
Very informative for a common person.
I want to know about provisions under IT Act regarding transfer of money from one sba/c(E or S) to another due to death of first a/c holder.
Can 2nd may operate the same sba/c by way of single and transferrig this a/c in another branch of the same bank.Pl
advise me.Is there any limit of transfer of amount from one sba/c to another? Thanks.
Very informative video sir. Thank you. Mera ek question hy sir aapse k financial year ka session konse month se start hota hy aur konse month par end hota hy. I hoped you will reply to my this question. Thank you again
Sir if we have two saving bank a/c...can we deposit in cash cummulaive 8lacs in one a/c and 6lac in another....will this attract notice ?
Sir, i would like to know about the income tax. Whether it applicable on foreign receipt or not. I.e my son is in Canada. He doing there job as well as study. He send money ranging between 100000 to 150000/- indian rupees monthly through western union or some time direct in my account. Sir, whether i have to include this income in my tax return or not ? Is this amount taxable ? Is still it is exempted under sec. 80 HHC ?
Online transaction me bhi limit 10,00,000 hai .??.
Crypto ya share market se 1 year me part part me 10 lakh se upr ka amount demant account ya crypto wallet se bank me transfer pr bhi problem hogi ??? savings account m ?
sir ek video banaye, kin kin logo ko ITR file krna chahiye ..
agar annually account m 10-20 lakh transection horahe hai digital form m to kya ITR bharna jaruri hai
Agar ham 5saving acount khole to har acount me hum 10lack ka cash tranziction kar sakte hai?
Sir, please tell me the limits of salary/pension account.
Fjvxfjffh
Why should we wait for the notice ? Is there anyway we can be proactive and inform IT Dept with uploading(especially in these days of faceless interactions) of necessary legal proof and documentary evidence in case such transactions become necessary ? A reply will be appreciated. Very informative video. IT has become very easier to file these days for Sahaj I and II Taxpayers. Thank you.
Very important questions.
Kindly reply...
First question:-
My total credits are more than 5 Lac in last financial year and this financial year...
But my Debits (via online & UPI PAY) are also approximate equal to Credits.
And End of the Financial Year my balance is 10,000.
So,
Would Tax rule be applicable for my Savings Account ?
Second question:-
If I have 9 Saving accounts
And I deposit 4,00,000 cash in each for a particular financial year (total 36,00,000 for that financial year) then
Will IT department will track & send notice to me based on my Linked PAN & ADHAR NUMBER & impose Tax on me under Income Tax rule. ?
Kindly reply.
Thanks.
नमस्कार जी, आप post office RD Accounts से सम्बंधित मार्गदर्शन करें , इस account में मिलने वाले ब्याज पर क्या रूल है इस पर लगने वाले टैक्स की क्या दशा रहेगी
Pls make video on 3rd point:
One or more time deposit totaling more than 10 Lakhs invites income tax notice
Agar 6 lakh deposit kya & 6lakh withdrawl kiya in a financial year to kya notice aane k chances hai,make a short video on this aur ek baat jan ni hai jaise ki aapne bataya hum apni sohuliyot ke hissab se ek se adhik savings ac rakh sakte hai ,mujhe ye bataye agar mere paas 6 account hai aur sab me main 8/8 lakh rakhta hoon yaani ki 48 lakh to kya IT SE notice aa sakta hai,pl reply
No
Aggar 70 lakh ki property sale karte hai to bank deposit kase karaye
Nice video सर जी एक जानकारी दीजिए की अगर आधार पे से ट्रांजेशन करते है तो करेंट अकाउंट से पैसे निकालते जमा होते ही रहते है तो उसमे कोई प्रोब्लम आ सकती है क्या
Hello Sir,
Kindly please let me know about the limits of withdrawals and deposits through cheques from Saving Fund Accounts.
Transactions are: money sent to family members, purchases of ornaments and clothes, and ration.
Thanks
Tin bank account ka mil kar 11 lakh cash widro ho to problem ho skta he kya ?
Sir, I want to know that if I have more than one saving bank account, limit of rs 10 lakh is for each saving bank account, or consolidated
PAN RELETED 10 LAKH HOTA HE YANI AGAR SABHI ACT ME TOTAL 10 LAK SE JYADA CASH JAMA KIYA TO....
Thanks for Useful information. Deposited 10 lakhs in one fy and nxt fy again 10 lakhs. Will ITax dept asked source of income
thanks so much SIRJI for giving an important information. Actually I m pensioner (75 yrs+) I want to know abt enhancement of pension..method of calculation(ready-recokner)date of enhancement,if possible plz
Very nice video. Thanks!
I would like to draw your attention to prepare video on delayed offline banking systems of SBI.
Bank employees showing reasons like man power shortage when customer are visiting bank branch
e.g . Simple work like pass book if it's entity filled full there is no more Page hence bank should provide fresh passbook. But bank employees neglected and showing manpower shortage. This happened with me two times visited my self in SBI branch. May I complaint to customer care? Is it good ?
PR Chavan, Boisar
धन्यवाद जी आपने बहुत अच्छी तरह से आयकरदाताओं से संबंधित है। अच्छा लगा
आपका बहुत बहुत स्वागत
Sir it's a very detailed and comprehensive presentation, my compliments, to you.
In case we need to get more inputs and help, how to contact you
Net income par tex lagta hai yaa
Gross income per
Koi bata sakta hai
Sir ye eik seving bank ki limit hai 10lac. year ya all seving acc. ko mila ke hai ye limit 10lac.
Per year ka he bhai
Per year...
Just suppose Sir agar single transition aaj 2 lack ka kiya he or apne ko 2 lack kal bhi krna he to kr skte he
Hi sir nice info. You say 10 lac in one account maximum amount. If I have 5 accounts then this rule apply all accounts together or apply separately one by one account I can deposit 10 lac one by one account please suggest me
Job person agar retirement k bad jo amount saving account mai milta hai uspar kya future mai itr file karna parta hai
Is it per bank savings account or including all bank accounts?
Is all saving accounts to be considered as seperate one or combined for this purpose
all saving accounts are linked with your PAN no ,so if all cummilative cash amount exceeds 10 lakh u will get IT notice
@@maggie82782 deposit+withdrawal=10 lakh?? Or both separately has the limit of 10 lakh each?
Sir, If we transfer amount from our one account to another one (own) account. then, will it be counted as spending transaction ?
No
@@NareshKumar-kv6or what if we transfer from our bank account from abroad to indian bank acc
1.If I transfer amount from salary account(tax paid amount) to my saving account then will there be any taxes I have to pay again and also will it be counted on 10lakhs transaction ?
2.What is the limit for salary account make a video on it ...
3. If we withdraw more than 10lakhs from our saving or salary account within financial year through shopping or medical payment or house purchase then will be need to pay tax for it ?
Sir do we have to pay the tax of bank interest as income tax coz tax has been already deducted by bank to our interest
If you donot fall in any tax bracket, you can file return for that FY and ask for refund. If you pay income tax , then check for the amount above Rs.10000/- and calculate tax as per your taxable income. Subtract the amount deducted by the bank and if any amount remains pay that as tax. The banks generally don't deduct anything extra.
Also you can seek advice from any CA or income tax consultant nearby who can file returns for you.
Thanks for sharing this in layman's language ...you have a knack of explaining things in the easiest manner 🙏
You are welcome Sagar ji.
If I maintain zero balance in a saving account (I.e. below minimum balance required), how bank will be able to debit the charges ?
STCG pe kitten profits per ITR file karna necessary hota hai ?
Very good demonstration.Thanks a lot.
Glad it was helpful!
If some one have two or three savings account but he has done more than 10 lac transaction combined but not by single account then tell me he has problem or not.
Sir Kya aapne income from other sources- especially savings account interest pe video banaya hai?
I have multiple savings account with cash lying around, but not more than 50k per account. I'm obviously getting some interest on it. How do I claim the same? I'm salaried and saw your ITR filing video, but this aspect was not covered hence asking. Plz do reply
Very nice
Jude Tellis you can claim deduction under section 80 TTA for interest from saving account but the maximum of deduction is restricted to rupees 10000 only ..
5 LAK TO BHAI TAX HE HINNAHI... ISILIYE SARI INCOME DIKHAO KOI TAX NAHI KATEGA... OTHER SOURSE INCOME BHI... AAPKI TOTAL INCOME ME ADD HOTI HE FIR DEDUCTION... CLAIM KARJE...
All my doubts are cleared thank you
Sir yek bat poochni hai ke agar do teen bank men acaunt ho aur har bank men paise hon to poore mila kar yek saal men das lakh hona chaiye ya fir yek acaunt men Das lakh se ziyza nahin hona chahiye doosra sawal sir ye hai ke sewing acaunt men ham yek martaba men kitne paise jamaa kar sakte hain aur nikal sakte hain
Part part kar ke online jaisa upi netbanking se 10lc se uupr deposit hoga to kya hoga
Or widhraw v by upi hi hua to
Aapna video me case ke barra me bataya sirf
Total transactions (Cash+non cash) aapki ITR/GST return ke according hone chahiye
Ok
Sir, saving account me if return aaye from investment like mutual fund to kya uspe tax lagega ??
Yes
Very good way explained. Thanks for giving good information & knowledge.
Saving ac me financial year me 10 lakh ka deposit ya withdrawl kar sakte hai to uske sath income tax bhi bharna zaroori hota hai kya ya bina income tax bhare 10 lakh ka transaction kar sakte hai
Very valuable information friend
Please clear one thing whether withdrawal/deposit limit of cash applicable to each saving account or all saving accounts putting together if one has multiple savings accounts
You are welcome. Limit is for a person including all saving account
@@TaxGuruJi agr 2 accounts mai pan card nhi laga hua hai aur dono alag alag bank mai hn agr dono accounts milakar 10 lakh se upr phnchte hn tb bhi dono bank ITD ko inform krenge
Ji Bhai
I am into real estate business
There is no regular income
Once in a year,
2 year once I get my brokerage income
How should I pay income tax
Suppose I have 4 accounts in different branch so yearly I can do max 10 lakh cash transaction in one account or 4 account ?
Sir ak question h
Kya kese ve chantry se paisa india ME leye ja sakta h
Ager fb per kise se freind sip hua h
OR bo bhar ki cannrty pe raita h to bo
Ager mujhe business kr ne k leye paisa DE ta h kya ME paisa le sakta hu kya?
Tks for valuable information.we sold our old property in my mother's name.So we got Rs 25 Lakhs by way of chq in the month of march 2020.We kept this amount in saving account.In the month March she got
Rs 6000 as a Interest.She is 90 years old.My query is how much tax we have to pay.whether we have to pay tax on full amt.i.e.25 Lakhs
Capital gain/loss to be calculated and tax to be paid accordingly. ITR also needs to be filed showing capital gains/loss
No tax..!!is this her salary base return ??
Tax sirf agar return hai ksismcheez ko bech ke koi tax nahin sirf agar aap earn kartey hain salary se ya business se aur vo aap fd ke roop mein aap earn kartey hain Jo 7lakh se upar ho every yr tab tax hai uskey liye bhi 15hfor 60yr and above ..aur kum hai to 15g
Brother, gave a very good information. Thank you so much.
sir ji agar koi 50000 20 times in year withdraw aur again re deposit karta hai to kya IT ki koi problem ho sakti hai.
Right questions please ans sir
बैंक इसकी सूचना विभाग को देगा क्योंकि आपने कैश में 1000000 रुपए जमा किए हैं और कैश में 1000000 रुपए निकालने हैं फिर चाहे आप वही पैसा जमा करा रहे हो यह निकाल रहे हो पर आपकी इनकम₹1000000 मानी जाएगी इसीलिए कैश में ट्रांजैक्शन कम से कम करें बहुत ज्यादा जरूरी हो तभी करें
Single transaction 1.95 lac one week ne 9lac transfer kar k mahindra bolero purchage me koi problem to nahi ayega kuwait ya saudi k paise se...
Sir u r explaining in a very simple way to understand Thanks
Can my son give some amount from his salary account as gift for medical. Treatment
Dear Sir
If property sale amount 30 Lakhs after 8 years & new property purchase 50 Lakhs
I have to pay capital gain of first property sale of 30 Lakhs
Vinayak ji kindly take expert services of a tax professional or CA
Vinayak Mahale ji first capital gain find out hoga then tax
Bullshit .. u hv to bribe fucking tax officer mother chout Lunda ko samjia story close
Sir jameen beche hai 40 lakh ka our us paise ko bank me jama karana hai to kya tax lagega.reply plis
Amazing information sir. The way you explained everything is too clear to understand. Could you please make a video based on information to get home loans for the people working abroad as they are not paying income tax in India. It will be truly appreciated 🙏
GAS SUBSIDY RECEIVED - TO BE INCLUDED IN INCOME OR NOT . PL GUIDE.
THANKS
No bcoz you paid that amount in advance
Gupta ji aajkal modi ji 50 Rs. Subsidy de rahe hain LPG Pe uss par bhi tax doge?😅🤣😂
Sir I'm a farmer I sell 10lakh rupees farming product, I can deposit or not??
Sir koi mutual fund mai sip online broker mai saving account se kar skte hein
If any one withdraw More than 10 lacs for purchasing house..Giving cheque to Builder Morethan 10 lacs..will attract Notice of IT
Sir this limit is for cash withdrawal only
@@TaxGuruJi Please aap bhi mere channel ko subscribe kardijiye 🙏🏻🙏🏻
Thank you for short And sweet explanation
10 लाख की लिमिट एक सेविंग accont के लिए है या सभी सीविंग एकाउंट की मिलाकर
Good question
Plz sir tell me this question ka answer
सभी के लिए
If some accounts are freeze aur salary account is open in other bank . Then income tax fill krte time un freeze accounts se koi problem to nhi ayegi???
sir 19-20 Year me Maine 18 lakh tak transition kiya h 2 lakh se upar b kiya h.
Lekin yeh maine pension ke paise te
zaise grauity commuting etc payment.
Nice information ❤️ thankyou🙏
Please reply why there is no tds deduction in post office
Thanks
If it’s NRE account what will clearity
बेहतरीन जानकारी के लिए आभारी रहूँगा आपका शरीफ कुरैशी सबलगढ़ ।
Dear Sir,
How I can fill ITR files as I come to know that before take any business or personal loan the bank ask for ITR.. please kindly advise.
go to e filling portal and file itr
@@harishb8207 Maine bohot try kiya thak gayi vo jaaney tan number aur kyaa kya maangney Laga..nd when I enquired no one cud help..Even not he call centre pple .They r super wierdo madrasies
@@harishb8207 plus main state bank se pareshan hun phobia hota hai bank jaatey they ha e debited unnecessarily..through wrong ways in the name of transfer aur verbaly locker keh Diya!!..har 6montus mein manger bang jaata hai ..who to call directly !!can't there be just one direct call nd matter dealt with!how much struggle
@@harishb8207 p
The entire staff is crooked !the !amber vanishes when yu blow him for the cheating previously zyada badmash they. Chalak se ulata detey they!!passbook issue karkey paisey kaat liye msg bhi nahin diyaa ghar gaye. To msg kar diyaa!lady e Jana padha I know people in RBI!!but this is like very infuriating!!
@@harishb8207 rbi ke site pay com plaint ki. To jaaney kya kya option hai arbitrary ye. Falan dheemkaa dimag ghoom jàta hai!this could try doesnt wish pple to b peaceful
Sir, iam having two saving accounts in SBI in different branch, is it legimat?
Yes there should not be any problem if branch is different
@@TaxGuruJi thank you so much for your kind info sir!
Thank you for enlightening us on the law of income tax.
Ek saving account me zada money nhi rakh sakte ok but For example kisi ke pass 3 saving account he to kiya tino account me 8 ya 9 lakh rakh sakta he income tax ki koi problem ho sakti he ya nhi ( 10L ki limite to cross nhi he but 8.9 ke around tino me balance he )
Thanks brother allah aapko iman ata kare
Aap mehnat kare
You are welcome
Lot of thanks for sharing such a hidden knowledge.
Sir single , transaction bole toh ek dinn m ya yearly 2 lakh?
Tell us about validity of the rules narrated by you in the video on salary account.
from last 3 years i am getting more than 35 lakhs per year from different fantasy sports application and till now i did not get a single notice from any govt department 😉😉
Dear, you are getting money through online transfer and not by cash. Your tax is also deducted @ 30% on such money. Kindly watch the video carefully to understand only the cash transactions I have covered.
From dream 11.?
You are using which fantasy app
Nicely explained thank you verry much for your valuable information.
Sir home members ki sellry jo something 7-8 lakhs jo saving me h us amount ko kya me apne khud ke saving account me lekar us amount ko me current account me transfer le sakta hu ya nahi ?? Wo bhi ek saath ek hee baar mey ??
*I don't know why I'm watching this video, Mere account mein sirf 564 hai*
😅😅😅😁😁
Bhai jesa nam rkha he wesa kam bhi he ......gareeb atma .....sorry dost mera apko hert krne ka nhi tha but thodi hasi aa gyi 😂😂😂
Lakh
Thanks for information. Can you give information on swipe account interest? It will be highly obliged.
You are welcome Surajit.. will cover the topic in my future videos.
@@TaxGuruJi sir NRE account par video banao
Thanks brother for the precious info!
Sir ek query hai.
Mere papa job karte hai salary -35k pm
Maine unse 70000 leke account khol diye sab banks me , aur unke bhi accounts khol diye around 10-12(mtlb unse bhi khulwa diye)
Maine ye sab rewards points ke liye kiya ..aur mai ab daily 10000 ka transaction karunga online saare bank accounts pe...mtlb around 3 lakh pm per account( all are linked to my Papa's and my pan card)
Ab mujhe jaanna hai ki kya kya dikkatein aayengi?
Mere pas multiple bank ac hai.
Har bank me rs 10 lack se kom hone se income tax se koi notice nehi ayega.....
Pls tell me......
Multiple account walon par income tax wale nazar rakhte hain
Ek financial year mein saare accounts ke milake cash deposit 10 lakh se jyada nahi hona chahiye warna notice aayega. Pehle mujhe is rule ka pata nahi tha isliye mujhe notice aaya tha.
@@bkdipankar Thanks
50 lac vhi ho to bhi nahi ayega... cash ki baat ho rahi he... total 10 lac se jyada nahi
@@ukreturn4697 ji nahi
Sir yadi mere 3 banks me 3 saving account hai to kya main each account me 10-10 lakh ka deposit ek financial year me kar sakta hu ??
sabhi bank mila kar 10 lakh ki limit hai
Save your Time
Your answer here 1:20
Thank you so much
@@armanazhar3 it's my pleasure bro for save time..
🤣🤣💐💐
Thanks bHai time bacha dia tne
Pr bhai teri comment mujhe 5 min pe dikhi😂
I have a question that is pension money and government remuneration money in my saving account is around 10L will income tax be applicable in this case. Reply soon