Bank Interest Par Income Tax Kaise Lagta Hai? (Savings FD Interest Explained)

Bahut saare log ITR file karte waqt

bank interest ko ignore kar dete hain,

aur baad me tax demand ya mismatch ka issue aa jaata hai.

Is blog me hum simple language me samjhenge:

* Savings account interest par tax ka rule

* FD interest kaise taxable hota hai

* ITR me interest income kaise dikhate         hain

Common mistakes jo log kar dete hain

Savings Account Interest Par Tax Lagta Hai Kya?

Haan.

Savings account ka interest taxable hota hai,

lekin ek limit tak deduction available hoti hai.

Normal individual ke liye:

* Section 80TTA – ₹10,000 tak deduction

Senior citizen ke liye:

* Section 80TTB – ₹50,000 tak deduction

Iska matlab: Interest income pehle add hoti hai,

phir deduction claim ki jaati hai.

Fixed Deposit (FD) Interest Ka Tax Rule

FD interest:

* Puri tarah taxable hota hai

* Aapke income slab ke according tax           lagta hai

Bank FD interest par:

* TDS deduct karta hai

Lekin TDS deduct hone ka matlab ye nahi

ki tax liability khatam ho gayi

FD interest ko ITR me declare karna zaroori hai.

ITR Me Bank Interest Kaise Dikhate Hain?

Savings + FD interest

Dono ko “Income from Other Sources” me dikhaya jaata hai

Agar multiple banks hain:

Sabka interest add karke ek jagah show karna hota hai

Bank statement ya AIS check karna safe hota hai.

Common Galtiyan Jo Log Karte Hain

* Sirf TDS wali income dikhana

* Savings interest ignore kar dena

* AIS / Form 26AS match nahi karna

* Interest ko salary income me add kar         dena

Ye galtiyan future me tax notice ka reason ban sakti hain.

Tax Planning Tip (Simple)

Agar:

Aapka interest income zyada ho raha hai

To:

Senior citizens 80TTB ka full use karein

FD laddering ka plan karein

,

Tax planning year ke beech me karein, ITR time par nahi

Conclusion

Bank interest chhoti income lagti hai,

lekin income tax me ye important role play karti hai.

Thoda sa awareness

future ka headache bachaa sakti hai.

Disclaimer

Ye article sirf general information aur awareness ke liye likha gaya hai.

Income tax rules time-to-time change hote rehte hain.

Is content ko professional tax advice na samjha jaye.

Koi bhi decision lene se pehle qualified tax professional se consult zaroor karein.