Research › Income Tax › Forms › Form 15G & Form 15H — declaration to avo...
Income Tax · Form

Form 15G & Form 15H — declaration to avoid TDS

Nil-TDS declaration15G: under 6015H: 60+Residents only

Form 15G (under 60) and Form 15H (60 and above) are self-declarations that your total income is below the taxable limit — so the bank/EPFO/payer does not deduct TDS.

Who can use it

  • Form 15G — a resident individual/HUF below 60, whose estimated income is below the basic exemption and whose final tax is nil.
  • Form 15H — a resident senior citizen (60+); the condition is slightly easier.
  • Not for NRIs.

Where it's used

Bank/post-office interest, EPF withdrawal, rent, some corporate deposits.

Important

Only submit if the declaration is true — a false 15G/15H to escape TDS carries penalties. Full detail for provident fund: Form 15G for PF withdrawal.

More forms4
Form 26AS — your Annual Tax Statement Form 26AS is your consolidated annual tax statement — every... Form 10E — relief on salary arrears (Section 157, old 89) Form 10E is mandatory to claim relief under Section 157 (old... Form 16 & Form 16A — your TDS certificates Form 16 is the TDS certificate for salary your employer issu... Form 67 — claim your Foreign Tax Credit Form 67 is required to claim the Foreign Tax Credit — credit...

Not sure if you qualify?

We check your income and stop unnecessary TDS the right way.

💬 Ask a CA
💬