General

Everything You Need to Know about TDS Rate Chart

The Income Tax Department has implemented a mechanism known as Tax Deducted at Source (TDS). Before making a payment to the recipient, the responsible person is required to deduct a specified proportion of tax. The payout shall also include salary, commission, professional fees, interest, rent, and other expenses on its horizon. The Central Board of Direct Taxes is in charge of TDS (CBTD) and the deductions range from 1% to 30%, depending on where one’s income comes from.

For example, Mr. Abhimanyu receives a fee payment of 50,000 INR from XYZ Ltd. In this situation, the firm is required to deduct a tax of 5,000 INR. The total amount payable will be 45,000 INR. Subsequently, this money will be transferred into the government’s account by XYZ Ltd.

Therefore, it is the responsibility of the individual making the payment to deduct the tax and deposit it with the government. This individual is referred to as a ‘deductor.’ The individual who receives the amount after the tax deduction is known as the ‘deductee.’ The amount of tax deducted and deposited in a person’s name/PAN in a given financial year is shown on Form 26AS.

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TDS Rate Chart 2021

The TDS rate on income is determined by an individual’s income. Depending on the nature of the payments, different TDS rates are stated in different sections of the Income Tax Act. If the deductee has not filed an income tax return for the preceding two financial years and the total TDS and TCS is Rs 50,000 or more in each financial year, greater TDS will be charged from July 1, 2021. If you haven’t submitted an ITR in the last two fiscal years, you may be liable to a higher TDS.

The TDS rate chart for FY 2020-21 has been updated with the TDS rates that will be applied on income for the current year. Click here for more info.

What is Challan 281?

The manual tax collecting procedure was phased out in 2004 in favor of the Online Tax Accounting System (OLTAS). It was implemented to eliminate human error and the online transfer of information on taxes collected, deposited, and reimbursed, among other things. OLTAS issues a single challan copy and allows taxpayers to follow the progress of their challans or e-challans deposited in banks online.

Three types of Challan – 

  • Challan ITNS 280
  • Challan ITNS 281
  • Challan ITNS 282

Now coming specifically on Challan 281, it is issued when a taxpayer submits Tax Deducted at Source and Tax Collected at Source. As a result, it must adhere to the established deadlines for deducting and submitting tax.

Conclusion

Hence to summarise, TDS is imposed on a variety of earnings under the income tax regulations, including salaries, fixed deposits, recurring deposits, and so on. The tax is deducted at the time the income is earned or paid, whichever comes first. It is a mechanism that eases our government’s task to reduce tax evasion right from the beginning.

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