Finance
TDS Calculator
Pick the section that applies (194A, 194C, 194H, 194I, 194J, 194K, 194Q), enter the gross amount, and we'll surface the threshold, the applicable rate, the TDS deducted, and the net amount you'll receive in your bank. Includes the punitive 20% rate when PAN is missing.
₹1,00,000
₹
TDS deducted
₹10,000
Section
194A
Bank/Co-op/Post-office interest (194A)
Applicable rate
10%
Threshold
₹40,000
Net amount you receive
₹90,000
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Frequently asked
- Is TDS the final tax I pay?
- No — TDS is a prepayment of income tax. When you file your ITR, your final liability is computed at slab rate; TDS already paid is adjusted. If too much was deducted, you get a refund.
- What happens if I don't have a PAN?
- TDS is deducted at the higher of the section rate or 20% (Section 206AA). Always furnish your PAN to avoid this.
- Why is the threshold relevant?
- Below the threshold, no TDS is deducted (you still owe income tax at slab when filing). Above it, the deductor must withhold TDS on the entire amount (or, for 194Q, on the portion above the threshold).
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