Deposit Interest & TDS

Interest each customer earned this year, and whether TDS has to be deducted on it · Showing: {{ scopeLabel }}
@if (loadError) {
{{ loadError }}
} @if (showHelp) {
How to read this page
  1. Every customer with an account is listed. Each account is either Tracked — its interest counts toward the TDS limit — or Not tracked. Open a row () to see which account is which, and why.
  2. Only the interest from fixed and recurring deposits that reaches the customer's savings account is tracked — counted on the day it arrives. The savings account's own interest is shown for information but never attracts TDS. Interest still inside an FD/RD counts when it is paid out at maturity or closure — to savings, in cash or to a GL (then the TDS comes out of the payout). A full reinvestment into a new FD/RD is not taxed.
    3. @if (rules) {
  3. A customer's tracked interest for the whole year, across every branch, is checked against the limit: ₹{{ rules.general | number: '1.0-0' }}, or ₹{{ rules.senior | number: '1.0-0' }} for a senior citizen (60+).
  4. Once over the limit, TDS is {{ rules.rate | number: '1.0-2' }}% of the whole year's interest — {{ rules.rateNoPan | number: '1.0-2' }}% if no PAN is on record.
    5. }
  5. A customer who has submitted Form 15G/15H is not deducted on interest received after the form was accepted.
  6. TDS is debited from the savings account at the moment the FD/RD interest that takes the customer over the limit arrives, and credited to the TDS payable account. The FD/RD itself is never debited. The TDS column shows what is due by these rules and what was actually deducted — the two should match.
}
{{ summary.deductees | number }}
Customers · {{ summary.trackedCustomers | number }} with an FD/RD being tracked
₹{{ summary.applicableInterest | number: '1.0-0' }}
FD / RD interest received in savings — counts toward the limit
₹{{ summary.exemptInterest | number: '1.0-0' }}
Savings interest — shown only, no TDS
{{ summary.crossed | number }}
Customers over the limit
₹{{ summary.totalTds | number: '1.0-0' }}
TDS due by the rules
₹{{ summary.actualTds | number: '1.0-0' }}
Actually deducted from accounts @if (summary.actualTds !== summary.totalTds) { — ₹{{ summary.totalTds - summary.actualTds | number: '1.0-0' }} apart }
@if (summary.nearThreshold || summary.declarations || summary.noPan) {
@if (summary.nearThreshold) { } @if (summary.declarations) { {{ summary.declarations | number }} with 15G/15H — ₹{{ summary.tdsSaved | number: '1.0-0' }} not deducted } @if (summary.noPan) { {{ summary.noPan | number }} FD/RD customers without PAN — higher rate applies }
}
@if (canSelectBranch) { } @if (hasFilters) { }
@if (selectedTab === 'declared') {
Customers who gave a declaration for FY {{ filter.fy }}. TDS not deducted is the tax that would have been taken without the form; Paid without TDS is the interest received after the form was accepted — it must still be reported in the {{ statute.statement }} return. Interest received before the form stays taxable, and any TDS taken on it is shown as deducted before the form.
}
@if (selectedTab === 'declared') { } @else { } @for (row of pagedRows; track trackRow($index, row)) { @if (selectedTab === 'declared') { } @else { } @if (isExpanded(row)) { } } @if (visibleRows.length === 0) { }
Customer BranchForm · UIN · accepted on FD / RD interest received · paid without TDS Limit Status TDS not deducted · deducted before the formAccounts FD / RD interest received this year Limit Status TDS
{{ row.deductee.name }}
ID {{ row.deductee.customerId }} · @if (row.panOnRecord) { PAN {{ row.deductee.pan }} } @else { no PAN } @if (row.band === 'SENIOR') { Senior 60+ }
{{ row.branchCode || '—' }} Form {{ row.form }}
{{ row.declarationUin || 'no UIN yet' }}
accepted {{ row.declarationAcceptedOn | date: 'd MMM y' }}
 ₹{{ row.tdsApplicableInterest | number: '1.0-0' }}
₹{{ row.paidWithoutDeduction | number: '1.0-0' }} paid without TDS
 @if (row.trackedAccounts) { {{ row.trackedAccounts }} tracked } @if (untrackedOf(row).length) { {{ untrackedOf(row).length }} not tracked } ₹{{ row.tdsApplicableInterest | number: '1.0-0' }} @if (row.exemptInterest) {
+ ₹{{ row.exemptInterest | number: '1.0-0' }} savings (no TDS)
} 		₹{{ row.threshold | number: '1.0-0' }} {{ statusOf(row).label }} @if (selectedTab === 'declared') { ₹{{ row.tdsSaved | number: '1.0-0' }}
not deducted
@if (row.actualTds || row.schedule.totalTds) {
₹{{ row.actualTds | number: '1.0-0' }} deducted before the form
} } @else if (row.schedule.totalTds || row.actualTds) { ₹{{ row.schedule.totalTds | number: '1.0-0' }}
due @ {{ row.rateApplied * 100 | number: '1.0-0' }}%
₹{{ row.actualTds | number: '1.0-0' }} deducted
} @else if (row.tdsSaved) { ₹{{ row.tdsSaved | number: '1.0-0' }} saved } @else { — }
Accounts of {{ row.deductee.name }}
@for (a of row.accounts; track a.accountNo) { }
Account no. Type Tracked for TDS? Interest this year (FD/RD: received in savings) Credits Last credited TDS deducted
{{ a.accountNo }} @if (a.holderName) {
held by {{ a.holderName }}
} 		{{ accountTypeLabel[a.type] }} @if (a.tracked) { Yes } @else { No } {{ a.reason }} ₹{{ a.interest | number: '1.2-2' }} {{ a.postings }} {{ a.lastPostedOn ? (a.lastPostedOn | date: 'd MMM y') : 'Nothing received yet' }} @if (a.tdsDeducted) { ₹{{ a.tdsDeducted | number: '1.2-2' }} } @else { — }
@if (row.trackedAccounts) {
How the TDS is worked out, quarter by quarter
@for (note of row.schedule.notes; track note) {
{{ note }}
} @if (row.schedule.lines.length) { @for (line of row.schedule.lines; track line.quarter) { }
Quarter Interest in quarter Total so far TDS this quarter Return due
{{ line.label }} @if (line.thresholdCrossedHere) { limit crossed here } @if (line.declarationActive) { 15G/15H active } ₹{{ line.interest | number: '1.0-0' }} ₹{{ line.cumInterest | number: '1.0-0' }} of ₹{{ row.threshold | number: '1.0-0' }} @if (line.tds !== 0) { ₹{{ line.tds | number: '1.0-0' }} } @else { — } {{ line.dueDate }}
} @else {
No interest has been posted on the tracked deposits this year yet.
} @if (row.paidWithoutDeduction) {
Paid without deduction because of 15G/15H: ₹{{ row.paidWithoutDeduction | number: '1.0-0' }} — still reported in {{ statute.statement }}
} } @else {
This customer has no fixed or recurring deposit, so nothing here counts toward TDS. Savings interest is shown for information only.
} @if (row.jointHeldInterest) {
₹{{ row.jointHeldInterest | number: '1.0-0' }} of interest is on joint deposits where this customer is not the first-named holder, so it is counted under that holder instead.
}
@if (loading) { Loading… } @else if (selectedTab === 'paying') { No customer needs TDS deducted for these filters. Check the "No TDS" tab. } @else if (selectedTab === 'declared') { No customer has a Form 121 / 15G / 15H on record for this year. Record one from the customer's Form 121 tab. } @else { No customers match these filters. }
@if (visibleRows.length > 0) {
Showing {{ rangeStart | number }}–{{ rangeEnd | number }} of {{ visibleRows.length | number }} customers
@if (pageCount > 1) {
Page {{ currentPage + 1 | number }} of {{ pageCount | number }}
}
}