{"id":612,"date":"2026-06-12T10:49:41","date_gmt":"2026-06-12T10:49:41","guid":{"rendered":"https:\/\/mybharatportal.com\/tools\/?page_id=612"},"modified":"2026-10-24T08:29:30","modified_gmt":"2026-10-24T08:29:30","slug":"tds-calculator","status":"publish","type":"page","link":"https:\/\/mybharatportal.com\/tools\/tds-calculator\/","title":{"rendered":"TDS Calculator 2025-26"},"content":{"rendered":"\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h1 class=\"wp-block-heading\">Free TDS Calculator 2025-26 \u2014 Salary, FD, Rent &amp; Professional Fees<\/h1>\n<\/div><\/div>\n\n\n\n<style>\n  :root{\n    --ink:#16263B;\n    --ink-soft:#4A5C71;\n    --paper:#E9EDE7;\n    --paper-line:#CBD3C6;\n    --surface:#FDFCF8;\n    --gold:#B8863C;\n    --gold-deep:#8F6A2E;\n    --teal:#2F6F62;\n    --teal-soft:#E4EEE9;\n    --stamp:#9C3B3B;\n    --stamp-soft:#F4E4E2;\n    --radius:2px;\n  }\n  .tds-calc, .tds-calc *{box-sizing:border-box;}\n  .tds-calc{\n    background:var(--paper);\n    color:var(--ink);\n    font-family:'Inter', sans-serif;\n    line-height:1.5;\n    padding:28px 16px 80px;\n  }\n  .tds-calc .wrap{max-width:960px;margin:0 auto;}\n\n  \/* Header *\/\n  .tds-calc header{\n    position:relative;\n    padding:8px 20px 28px;\n    border-bottom:2px solid var(--ink);\n    margin-bottom:6px;\n  }\n  .tds-calc .eyebrow{\n    font-family:'JetBrains Mono', monospace;\n    font-size:11px;\n    letter-spacing:.12em;\n    text-transform:uppercase;\n    color:var(--gold-deep);\n    font-weight:700;\n    margin-bottom:10px;\n  }\n.tds-calc h2 {\n    font-family:'Fraunces', serif;\n    font-optical-sizing:auto;\n    font-weight:900;\n    font-size:clamp(32px,5vw,52px);\n    margin:0 0 6px;\n    letter-spacing:-0.01em;\n    max-width:640px;\n  }\n.tds-calc .subhead {\n    color:var(--ink-soft);\n    font-size:15px;\n    max-width:520px;\n  }\n  \/* Tabs *\/\n.tds-calc .tabs {\n    display:flex;\n    gap:4px;\n    margin-top:26px;\n    flex-wrap:wrap;\n  }\n.tds-calc .tab {\n    font-family:'JetBrains Mono', monospace;\n    font-size:12.5px;\n    letter-spacing:.03em;\n    text-transform:uppercase;\n    font-weight:700;\n    padding:11px 18px 10px;\n    background:var(--surface);\n    border:1px solid var(--ink);\n    border-bottom:none;\n    border-radius:6px 6px 0 0;\n    color:var(--ink-soft);\n    cursor:pointer;\n    position:relative;\n    top:1px;\n  }\n.tds-calc .tab.active {\n    background:var(--ink);\n    color:var(--surface);\n  }\n.tds-calc .panels {\n    background:var(--surface);\n    border:1px solid var(--ink);\n    border-radius:0 6px 6px 6px;\n    padding:32px;\n  }\n  @media (max-width:640px){ .tds-calc .panels{padding:20px 16px;} .tds-calc .tab{padding:9px 12px;font-size:11px;} }\n\n.tds-calc .panel {display:none;}\n.tds-calc .panel.active {display:block;}\n\n.tds-calc .grid {\n    display:grid;\n    grid-template-columns:1fr 1fr;\n    gap:36px;\n    align-items:start;\n  }\n  @media (max-width:760px){ .tds-calc .grid{grid-template-columns:1fr;} }\n\n.tds-calc h2.panel-title {\n    font-family:'Fraunces', serif;\n    font-size:22px;\n    font-weight:700;\n    margin:0 0 4px;\n  }\n.tds-calc .panel-desc {\n    color:var(--ink-soft);\n    font-size:13.5px;\n    margin:0 0 20px;\n  }\n\n  \/* Form *\/\n.tds-calc label {\n    display:block;\n    font-size:12px;\n    font-weight:600;\n    text-transform:uppercase;\n    letter-spacing:.04em;\n    color:var(--ink-soft);\n    margin:16px 0 6px;\n  }\n  .tds-calc label:first-of-type{margin-top:0;}\n.tds-calc .hint {\n    font-size:11.5px;\n    color:var(--ink-soft);\n    font-weight:400;\n    text-transform:none;\n    letter-spacing:0;\n    display:block;\n    margin-top:3px;\n  }\n.tds-calc input[type=number], .tds-calc select {\n    width:100%;\n    padding:10px 12px;\n    border:1.5px solid var(--ink);\n    border-radius:var(--radius);\n    font-family:'JetBrains Mono', monospace;\n    font-size:15px;\n    background:var(--surface);\n    color:var(--ink);\n  }\n.tds-calc select {font-family:'Inter',sans-serif;font-size:14px;}\n  .tds-calc input:focus, .tds-calc select:focus{\n    outline:2px solid var(--gold);\n    outline-offset:1px;\n  }\n.tds-calc .row2 {display:grid;grid-template-columns:1fr 1fr;gap:14px;}\n.tds-calc .toggle-group {display:flex;gap:8px;margin-top:2px;}\n.tds-calc .toggle-btn {\n    flex:1;\n    padding:9px 8px;\n    border:1.5px solid var(--ink);\n    background:var(--surface);\n    border-radius:var(--radius);\n    font-size:13px;\n    font-weight:600;\n    cursor:pointer;\n    color:var(--ink);\n    text-align:center;\n  }\n.tds-calc .toggle-btn.on {\n    background:var(--gold);\n    border-color:var(--gold-deep);\n    color:#fff;\n  }\n.tds-calc .checkline {\n    display:flex;\n    align-items:center;\n    gap:8px;\n    margin-top:14px;\n    font-size:13.5px;\n  }\n.tds-calc .checkline input {width:auto;}\n\n  \/* Ledger output *\/\n.tds-calc .ledger {\n    border-top:2px solid var(--ink);\n  }\n.tds-calc .lrow {\n    display:flex;\n    justify-content:space-between;\n    gap:12px;\n    padding:9px 0;\n    border-bottom:1px dashed var(--paper-line);\n    font-size:13.5px;\n  }\n.tds-calc .lrow .amt {\n    font-family:'JetBrains Mono', monospace;\n    font-weight:500;\n    white-space:nowrap;\n  }\n.tds-calc .lrow.neg .amt {color:var(--stamp);}\n.tds-calc .lrow.sub .amt {color:var(--teal);}\n.tds-calc .lrow.total {\n    border-bottom:none;\n    border-top:2px solid var(--ink);\n    padding-top:14px;\n    margin-top:4px;\n    font-weight:700;\n  }\n.tds-calc .result-card {\n    margin-top:20px;\n    background:var(--teal-soft);\n    border:1.5px solid var(--teal);\n    border-radius:6px;\n    padding:18px 20px;\n  }\n.tds-calc .result-card.due {background:var(--stamp-soft); border-color:var(--stamp);}\n.tds-calc .result-label {\n    font-family:'JetBrains Mono', monospace;\n    font-size:11px;\n    text-transform:uppercase;\n    letter-spacing:.08em;\n    color:var(--ink-soft);\n    margin-bottom:4px;\n  }\n.tds-calc .result-value {\n    font-family:'Fraunces', serif;\n    font-weight:800;\n    font-size:34px;\n    color:var(--ink);\n  }\n.tds-calc .result-note {\n    font-size:12.5px;\n    color:var(--ink-soft);\n    margin-top:6px;\n  }\n.tds-calc .verified {\n    margin-top:10px;\n    display:inline-flex;\n    align-items:center;\n    gap:6px;\n    font-family:'JetBrains Mono', monospace;\n    font-size:10.5px;\n    color:var(--teal);\n    font-weight:700;\n    text-transform:uppercase;\n    letter-spacing:.05em;\n  }\n\n  \/* Rate reference table (footer) *\/\n.tds-calc .refs {margin-top:44px;}\n.tds-calc .refs h3 {\n    font-family:'Fraunces', serif;\n    font-size:18px;\n    margin-bottom:12px;\n  }\n.tds-calc table.ratechart {\n    width:100%;\n    border-collapse:collapse;\n    font-size:12.5px;\n  }\n.tds-calc table.ratechart th {\n    text-align:left;\n    font-family:'JetBrains Mono', monospace;\n    font-size:10.5px;\n    text-transform:uppercase;\n    letter-spacing:.05em;\n    color:var(--ink-soft);\n    padding:8px 10px;\n    border-bottom:2px solid var(--ink);\n  }\n.tds-calc table.ratechart td {\n    padding:9px 10px;\n    border-bottom:1px solid var(--paper-line);\n  }\n.tds-calc table.ratechart td.rate {font-family:'JetBrains Mono', monospace;font-weight:700;color:var(--gold-deep);}\n\n.tds-calc .footnote {\n    margin-top:36px;\n    padding-top:18px;\n    border-top:2px solid var(--ink);\n    font-size:12px;\n    color:var(--ink-soft);\n  }\n.tds-calc .footnote strong {color:var(--ink);}\n<\/style>\n\n\n<div class=\"tds-calc\">\n<div class=\"wrap\">\n\n  <header>\n    <div class=\"eyebrow\">Income Tax Act, 1961 \u00b7 Sections 192 \u00b7 194A \u00b7 194-I\/IB \u00b7 194J<\/div>\n    <h2>TDS Calculator<\/h2>\n    <div class=\"subhead\">Salary, FD interest, rent &amp; professional fees \u2014 FY 2025-26 (AY 2026-27). Cross-checked against Finance Act 2025.<\/div>\n  <\/header>\n\n  <nav class=\"tabs\" role=\"tablist\">\n    <div class=\"tab active\" data-tab=\"salary\">01 Salary<\/div>\n    <div class=\"tab\" data-tab=\"fd\">02 FD \/ Bank Interest<\/div>\n    <div class=\"tab\" data-tab=\"rent\">03 Rent<\/div>\n    <div class=\"tab\" data-tab=\"prof\">04 Professional Fees<\/div>\n  <\/nav>\n\n  <div class=\"panels\">\n\n    <!-- SALARY -->\n    <section class=\"panel active\" id=\"panel-salary\">\n      <h2 class=\"panel-title\">Salary TDS \u2014 Section 192<\/h2>\n      <p class=\"panel-desc\">Employer withholds tax every month based on your projected annual tax liability, split over the months remaining in the year.<\/p>\n      <div class=\"grid\">\n        <div>\n          <label>Tax regime<\/label>\n          <div class=\"toggle-group\">\n            <div class=\"toggle-btn on\" data-group=\"regime\" data-val=\"new\">New Regime<\/div>\n            <div class=\"toggle-btn\" data-group=\"regime\" data-val=\"old\">Old Regime<\/div>\n          <\/div>\n\n          <label>Gross annual salary (CTC minus employer PF\/perquisites, \u20b9)<\/label>\n          <input type=\"number\" id=\"s_gross\" value=\"1200000\" min=\"0\" step=\"1000\">\n\n          <div id=\"s_oldFields\" style=\"display:none;\">\n            <label>HRA exemption claimed (\u20b9) <span class=\"hint\">min of: HRA received, rent paid \u2212 10% of basic, 50%\/40% of basic \u2014 old regime only<\/span><\/label>\n            <input type=\"number\" id=\"s_hra\" value=\"0\" min=\"0\" step=\"1000\">\n\n            <label>80C + 80D + NPS(80CCD1B) deductions (\u20b9) <span class=\"hint\">80C capped at 1,50,000; NPS 80CCD(1B) capped at 50,000 \u2014 old regime only<\/span><\/label>\n            <input type=\"number\" id=\"s_80c\" value=\"0\" min=\"0\" step=\"1000\">\n          <\/div>\n\n          <label>Other exemptions (\u20b9)<\/label>\n          <input type=\"number\" id=\"s_other\" value=\"0\" min=\"0\" step=\"1000\">\n\n          <label>Months remaining in FY <span class=\"hint\">used to spread the annual tax into monthly TDS<\/span><\/label>\n          <input type=\"number\" id=\"s_months\" value=\"12\" min=\"1\" max=\"12\" step=\"1\">\n        <\/div>\n\n        <div>\n          <div class=\"ledger\" id=\"s_ledger\"><\/div>\n          <div class=\"result-card\" id=\"s_resultCard\">\n            <div class=\"result-label\">Monthly TDS to be deducted<\/div>\n            <div class=\"result-value\" id=\"s_result\">\u20b90<\/div>\n            <div class=\"result-note\" id=\"s_resultNote\"><\/div>\n            <div class=\"verified\">\u2713 Slabs verified \u2014 FY 2025-26<\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/section>\n\n    <!-- FD -->\n    <section class=\"panel\" id=\"panel-fd\">\n      <h2 class=\"panel-title\">FD \/ Bank Interest TDS \u2014 Section 194A<\/h2>\n      <p class=\"panel-desc\">Banks deduct TDS once interest crosses the annual threshold \u2014 \u20b950,000 normally, \u20b91,00,000 for senior citizens.<\/p>\n      <div class=\"grid\">\n        <div>\n          <label>Annual interest income (\u20b9)<\/label>\n          <input type=\"number\" id=\"f_interest\" value=\"140000\" min=\"0\" step=\"1000\">\n\n          <label>Are you a senior citizen (60+)?<\/label>\n          <div class=\"toggle-group\">\n            <div class=\"toggle-btn\" data-group=\"fsenior\" data-val=\"yes\">Yes \u2014 \u20b91L threshold<\/div>\n            <div class=\"toggle-btn on\" data-group=\"fsenior\" data-val=\"no\">No \u2014 \u20b950K threshold<\/div>\n          <\/div>\n\n          <label>PAN furnished to the bank?<\/label>\n          <div class=\"toggle-group\">\n            <div class=\"toggle-btn on\" data-group=\"fpan\" data-val=\"yes\">Yes \u2014 10%<\/div>\n            <div class=\"toggle-btn\" data-group=\"fpan\" data-val=\"no\">No \u2014 20% (206AA)<\/div>\n          <\/div>\n\n          <div class=\"checkline\">\n            <input type=\"checkbox\" id=\"f_15h\">\n            <label style=\"margin:0;text-transform:none;font-weight:500;font-size:13.5px;color:var(--ink);\">I&#8217;ve submitted Form 15G\/15H and my total income is below the taxable limit<\/label>\n          <\/div>\n        <\/div>\n        <div>\n          <div class=\"ledger\" id=\"f_ledger\"><\/div>\n          <div class=\"result-card\" id=\"f_resultCard\">\n            <div class=\"result-label\">TDS deducted by the bank<\/div>\n            <div class=\"result-value\" id=\"f_result\">\u20b90<\/div>\n            <div class=\"result-note\" id=\"f_resultNote\"><\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/section>\n\n    <!-- RENT -->\n    <section class=\"panel\" id=\"panel-rent\">\n      <h2 class=\"panel-title\">Rent TDS \u2014 Section 194-I \/ 194-IB<\/h2>\n      <p class=\"panel-desc\">The rate and section depend on who&#8217;s paying: a business under tax audit uses 194-I; an individual\/HUF not under audit uses 194-IB.<\/p>\n      <div class=\"grid\">\n        <div>\n          <label>Who is deducting the TDS?<\/label>\n          <div class=\"toggle-group\">\n            <div class=\"toggle-btn on\" data-group=\"rpayer\" data-val=\"individual\">Individual \/ HUF (194-IB)<\/div>\n            <div class=\"toggle-btn\" data-group=\"rpayer\" data-val=\"business\">Company \/ Audited business (194-I)<\/div>\n          <\/div>\n\n          <label>Monthly rent (\u20b9)<\/label>\n          <input type=\"number\" id=\"r_rent\" value=\"60000\" min=\"0\" step=\"1000\">\n\n          <div id=\"r_assetField\" style=\"display:none;\">\n            <label>Asset being rented (194-I only)<\/label>\n            <div class=\"toggle-group\">\n              <div class=\"toggle-btn on\" data-group=\"rasset\" data-val=\"building\">Land \/ Building \/ Furniture \u2014 10%<\/div>\n              <div class=\"toggle-btn\" data-group=\"rasset\" data-val=\"plant\">Plant \/ Machinery \u2014 2%<\/div>\n            <\/div>\n          <\/div>\n\n          <label>PAN furnished by tenant\/landlord?<\/label>\n          <div class=\"toggle-group\">\n            <div class=\"toggle-btn on\" data-group=\"rpan\" data-val=\"yes\">Yes<\/div>\n            <div class=\"toggle-btn\" data-group=\"rpan\" data-val=\"no\">No \u2014 20% (206AA)<\/div>\n          <\/div>\n        <\/div>\n        <div>\n          <div class=\"ledger\" id=\"r_ledger\"><\/div>\n          <div class=\"result-card\" id=\"r_resultCard\">\n            <div class=\"result-label\">TDS per month<\/div>\n            <div class=\"result-value\" id=\"r_result\">\u20b90<\/div>\n            <div class=\"result-note\" id=\"r_resultNote\"><\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/section>\n\n    <!-- PROFESSIONAL -->\n    <section class=\"panel\" id=\"panel-prof\">\n      <h2 class=\"panel-title\">Professional \/ Technical Fees TDS \u2014 Section 194J<\/h2>\n      <p class=\"panel-desc\">Professional services are taxed at 10%, technical services at 2%, once annual payments cross \u20b950,000.<\/p>\n      <div class=\"grid\">\n        <div>\n          <label>Nature of payment<\/label>\n          <div class=\"toggle-group\">\n            <div class=\"toggle-btn on\" data-group=\"ptype\" data-val=\"prof\">Professional fees \u2014 10%<\/div>\n            <div class=\"toggle-btn\" data-group=\"ptype\" data-val=\"tech\">Technical services \u2014 2%<\/div>\n          <\/div>\n\n          <label>Total annual payment (\u20b9)<\/label>\n          <input type=\"number\" id=\"p_amount\" value=\"120000\" min=\"0\" step=\"1000\">\n\n          <label>PAN furnished?<\/label>\n          <div class=\"toggle-group\">\n            <div class=\"toggle-btn on\" data-group=\"ppan\" data-val=\"yes\">Yes<\/div>\n            <div class=\"toggle-btn\" data-group=\"ppan\" data-val=\"no\">No \u2014 20% (206AA)<\/div>\n          <\/div>\n        <\/div>\n        <div>\n          <div class=\"ledger\" id=\"p_ledger\"><\/div>\n          <div class=\"result-card\" id=\"p_resultCard\">\n            <div class=\"result-label\">Total TDS for the year<\/div>\n            <div class=\"result-value\" id=\"p_result\">\u20b90<\/div>\n            <div class=\"result-note\" id=\"p_resultNote\"><\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/section>\n\n    <div class=\"refs\">\n      <h3>TDS rate chart \u2014 FY 2025-26 (quick reference)<\/h3>\n      <table class=\"ratechart\">\n        <thead><tr><th>Section<\/th><th>Nature<\/th><th>Threshold<\/th><th>Rate<\/th><\/tr><\/thead>\n        <tbody>\n          <tr><td>192<\/td><td>Salary<\/td><td>Basic exemption limit<\/td><td class=\"rate\">As per slab<\/td><\/tr>\n          <tr><td>194A<\/td><td>FD \/ Bank Interest<\/td><td>\u20b950,000\/yr (\u20b91L senior citizen)<\/td><td class=\"rate\">10%<\/td><\/tr>\n          <tr><td>194C<\/td><td>Contractor (Individual\/HUF)<\/td><td>\u20b930,000 single \/ \u20b91L aggregate<\/td><td class=\"rate\">1%<\/td><\/tr>\n          <tr><td>194C<\/td><td>Contractor (Company)<\/td><td>\u20b930,000 single \/ \u20b91L aggregate<\/td><td class=\"rate\">2%<\/td><\/tr>\n          <tr><td>194H<\/td><td>Commission \/ Brokerage<\/td><td>\u20b920,000\/yr<\/td><td class=\"rate\">2%<\/td><\/tr>\n          <tr><td>194-I<\/td><td>Rent \u2014 Land\/Building\/Furniture<\/td><td>\u20b950,000\/mo (\u20b96L\/yr)<\/td><td class=\"rate\">10%<\/td><\/tr>\n          <tr><td>194-I<\/td><td>Rent \u2014 Plant &amp; Machinery<\/td><td>\u20b950,000\/mo (\u20b96L\/yr)<\/td><td class=\"rate\">2%<\/td><\/tr>\n          <tr><td>194-IB<\/td><td>Rent by Individual\/HUF (not audited)<\/td><td>\u20b950,000\/mo<\/td><td class=\"rate\">2%<\/td><\/tr>\n          <tr><td>194-IA<\/td><td>Sale of Immovable Property<\/td><td>\u20b950 lakh<\/td><td class=\"rate\">1%<\/td><\/tr>\n          <tr><td>194J<\/td><td>Professional Fees<\/td><td>\u20b950,000\/yr<\/td><td class=\"rate\">10%<\/td><\/tr>\n          <tr><td>194J<\/td><td>Technical Services<\/td><td>\u20b950,000\/yr<\/td><td class=\"rate\">2%<\/td><\/tr>\n          <tr><td>194T<\/td><td>Payments to Partners (LLP\/Firm)<\/td><td>\u20b920,000\/yr<\/td><td class=\"rate\">10%<\/td><\/tr>\n          <tr><td>194O<\/td><td>E-commerce Sellers<\/td><td>\u20b95L (Individual\/HUF); none for others<\/td><td class=\"rate\">0.1%<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n\n    <div class=\"footnote\">\n      <strong>Timeline note:<\/strong> These figures apply to income paid before 31 March 2026 under the Income Tax Act, 1961. From 1 April 2026 (FY 2026-27), TDS is governed by Sections 392\u2013394 of the Income Tax Act, 2025, and Form 15G\/15H is replaced by a single Form 121. No PAN on file means TDS jumps to 20% under Section 206AA in every category above. This tool is for estimation only \u2014 verify against Form 26AS\/AIS on the e-filing portal or with a chartered accountant before filing.\n    <\/div>\n\n  <\/div>\n<\/div>\n<\/div>\n\n<script>\n  const fmt = n => '\u20b9' + Math.round(n).toLocaleString('en-IN');\n\n  \/\/ Tabs\n  document.querySelectorAll('.tab').forEach(t=>{\n    t.addEventListener('click', ()=>{\n      document.querySelectorAll('.tab').forEach(x=>x.classList.remove('active'));\n      document.querySelectorAll('.panel').forEach(x=>x.classList.remove('active'));\n      t.classList.add('active');\n      document.getElementById('panel-'+t.dataset.tab).classList.add('active');\n    });\n  });\n\n  \/\/ Generic toggle groups\n  function initToggle(group, onChange){\n    document.querySelectorAll(`.toggle-btn[data-group=\"${group}\"]`).forEach(btn=>{\n      btn.addEventListener('click', ()=>{\n        document.querySelectorAll(`.toggle-btn[data-group=\"${group}\"]`).forEach(b=>b.classList.remove('on'));\n        btn.classList.add('on');\n        onChange(btn.dataset.val);\n      });\n    });\n  }\n  function getToggle(group){\n    const el = document.querySelector(`.toggle-btn[data-group=\"${group}\"].on`);\n    return el ? el.dataset.val : null;\n  }\n\n  \/* ---------------- SALARY ---------------- *\/\n  function slabTaxNew(ti){\n    const bands = [[400000,0],[400000,0.05],[400000,0.10],[400000,0.15],[400000,0.20],[400000,0.25],[Infinity,0.30]];\n    let remaining = ti, tax = 0, floor = 0;\n    for(const [width, rate] of bands){\n      if(remaining<=0) break;\n      const slice = Math.min(width, remaining);\n      tax += slice*rate;\n      remaining -= slice;\n    }\n    return tax;\n  }\n  function slabTaxOld(ti){\n    let tax=0;\n    if(ti>1000000){ tax += (ti-1000000)*0.30; ti=1000000; }\n    if(ti>500000){ tax += (ti-500000)*0.20; ti=500000; }\n    if(ti>250000){ tax += (ti-250000)*0.05; ti=250000; }\n    return tax;\n  }\n\n  function renderLedgerRows(container, rows){\n    container.innerHTML = rows.map(r=>{\n      const cls = r.total ? 'lrow total' : (r.neg ? 'lrow neg' : (r.sub ? 'lrow sub' : 'lrow'));\n      return `<div class=\"${cls}\"><span>${r.label}<\/span><span class=\"amt\">${r.amt}<\/span><\/div>`;\n    }).join('');\n  }\n\n  function calcSalary(){\n    const regime = getToggle('regime');\n    const gross = parseFloat(document.getElementById('s_gross').value)||0;\n    const other = parseFloat(document.getElementById('s_other').value)||0;\n    const months = Math.min(12, Math.max(1, parseFloat(document.getElementById('s_months').value)||12));\n    document.getElementById('s_oldFields').style.display = regime==='old' ? 'block':'none';\n\n    let stdDeduction, hra=0, ded80=0, ti, taxBefore, rebate=0, marginalNote='';\n    if(regime==='new'){\n      stdDeduction = 75000;\n      ti = Math.max(0, gross - stdDeduction - other);\n      taxBefore = slabTaxNew(ti);\n      if(ti<=1200000){\n        rebate = Math.min(taxBefore, 60000);\n      } else {\n        const marginalLimit = ti - 1200000;\n        if(taxBefore > marginalLimit){\n          rebate = taxBefore - marginalLimit;\n          marginalNote = ' (marginal relief applied)';\n        }\n      }\n    } else {\n      stdDeduction = 50000;\n      hra = parseFloat(document.getElementById('s_hra').value)||0;\n      ded80 = Math.min(200000, parseFloat(document.getElementById('s_80c').value)||0);\n      ti = Math.max(0, gross - stdDeduction - hra - ded80 - other);\n      taxBefore = slabTaxOld(ti);\n      if(ti<=500000){ rebate = Math.min(taxBefore, 12500); }\n    }\n\n    const taxAfterRebate = Math.max(0, taxBefore - rebate);\n    const cess = taxAfterRebate*0.04;\n    const totalTax = taxAfterRebate + cess;\n    const monthlyTDS = totalTax\/months;\n\n    const rows = [\n      {label:'Gross annual salary', amt: fmt(gross)},\n      {label:`Less: Standard deduction`, amt: '\u2013 '+fmt(stdDeduction), neg:true},\n    ];\n    if(regime==='old'){\n      rows.push({label:'Less: HRA exemption', amt:'\u2013 '+fmt(hra), neg:true});\n      rows.push({label:'Less: 80C\/80D\/NPS deductions', amt:'\u2013 '+fmt(ded80), neg:true});\n    }\n    if(other>0) rows.push({label:'Less: Other exemptions', amt:'\u2013 '+fmt(other), neg:true});\n    rows.push({label:'Net taxable salary', amt: fmt(ti)});\n    rows.push({label:'Tax as per slabs', amt: fmt(taxBefore)});\n    if(rebate>0) rows.push({label:`Less: Section 87A rebate${marginalNote}`, amt:'\u2013 '+fmt(rebate), sub:true});\n    rows.push({label:'Add: 4% Health & Education Cess', amt: fmt(cess)});\n    rows.push({label:'Total annual tax payable', amt: fmt(totalTax), total:true});\n\n    renderLedgerRows(document.getElementById('s_ledger'), rows);\n    document.getElementById('s_result').textContent = fmt(monthlyTDS);\n    document.getElementById('s_resultCard').classList.toggle('due', monthlyTDS>0);\n    document.getElementById('s_resultNote').textContent = monthlyTDS===0\n      ? 'No TDS due \u2014 income falls within the rebate limit.'\n      : `Spread over ${months} remaining month${months>1?'s':''} of FY 2025-26.`;\n  }\n\n  ['s_gross','s_other','s_months','s_hra','s_80c'].forEach(id=>{\n    document.getElementById(id).addEventListener('input', calcSalary);\n  });\n  initToggle('regime', calcSalary);\n\n  \/* ---------------- FD ---------------- *\/\n  function calcFD(){\n    const interest = parseFloat(document.getElementById('f_interest').value)||0;\n    const senior = getToggle('fsenior')==='yes';\n    const pan = getToggle('fpan')==='yes';\n    const form15 = document.getElementById('f_15h').checked;\n    const threshold = senior ? 100000 : 50000;\n    const rate = pan ? 0.10 : 0.20;\n    const crosses = interest > threshold;\n    const tds = (crosses && !form15) ? interest*rate : 0;\n\n    const rows = [\n      {label:'Annual interest income', amt: fmt(interest)},\n      {label: senior ? 'Senior citizen threshold (194A)' : 'Threshold (194A)', amt: fmt(threshold)},\n      {label:'Applicable rate', amt: (rate*100)+'%' + (pan? '':' (no PAN \u2014 206AA)')},\n    ];\n    if(form15) rows.push({label:'Form 15G\/15H submitted', amt:'TDS waived', sub:true});\n    rows.push({label:'TDS deducted', amt: fmt(tds), total:true});\n    renderLedgerRows(document.getElementById('f_ledger'), rows);\n\n    document.getElementById('f_result').textContent = fmt(tds);\n    document.getElementById('f_resultCard').classList.toggle('due', tds>0);\n    document.getElementById('f_resultNote').textContent = form15\n      ? 'Waived \u2014 Form 15G\/15H on file and income below taxable limit.'\n      : (crosses ? 'Interest exceeds the threshold, so TDS applies.' : 'Below threshold \u2014 no TDS applies.');\n  }\n  ['f_interest'].forEach(id=> document.getElementById(id).addEventListener('input', calcFD));\n  document.getElementById('f_15h').addEventListener('change', calcFD);\n  initToggle('fsenior', calcFD);\n  initToggle('fpan', calcFD);\n\n  \/* ---------------- RENT ---------------- *\/\n  function calcRent(){\n    const payer = getToggle('rpayer');\n    const rent = parseFloat(document.getElementById('r_rent').value)||0;\n    const asset = getToggle('rasset');\n    const pan = getToggle('rpan')==='yes';\n    document.getElementById('r_assetField').style.display = payer==='business' ? 'block':'none';\n\n    let rate, section, threshold=50000;\n    if(payer==='individual'){ rate=0.02; section='194-IB'; }\n    else { rate = asset==='plant' ? 0.02 : 0.10; section='194-I'; }\n    if(!pan) rate = 0.20;\n\n    const crosses = rent > threshold;\n    const monthlyTDS = crosses ? rent*rate : 0;\n    const annualTDS = monthlyTDS*12;\n\n    const rows = [\n      {label:'Monthly rent', amt: fmt(rent)},\n      {label:'Applicable section', amt: section},\n      {label:'Threshold', amt: fmt(threshold)+'\/month'},\n      {label:'Applicable rate', amt:(rate*100)+'%' + (pan?'':' (no PAN \u2014 206AA)')},\n      {label:'Estimated annual TDS', amt: fmt(annualTDS), sub:true},\n    ];\n    renderLedgerRows(document.getElementById('r_ledger'), rows);\n\n    document.getElementById('r_result').textContent = fmt(monthlyTDS);\n    document.getElementById('r_resultCard').classList.toggle('due', monthlyTDS>0);\n    document.getElementById('r_resultNote').textContent = crosses\n      ? `Deducted under Section ${section}.`\n      : 'Below \u20b950,000\/month \u2014 no TDS applies.';\n  }\n  document.getElementById('r_rent').addEventListener('input', calcRent);\n  initToggle('rpayer', calcRent);\n  initToggle('rasset', calcRent);\n  initToggle('rpan', calcRent);\n\n  \/* ---------------- PROFESSIONAL ---------------- *\/\n  function calcProf(){\n    const type = getToggle('ptype');\n    const amount = parseFloat(document.getElementById('p_amount').value)||0;\n    const pan = getToggle('ppan')==='yes';\n    const threshold = 50000;\n    let rate = type==='prof' ? 0.10 : 0.02;\n    if(!pan) rate = 0.20;\n    const crosses = amount > threshold;\n    const tds = crosses ? amount*rate : 0;\n\n    const rows = [\n      {label:'Total annual payment', amt: fmt(amount)},\n      {label:'Nature of payment', amt: type==='prof' ? 'Professional fees':'Technical services'},\n      {label:'Threshold (194J)', amt: fmt(threshold)+'\/year'},\n      {label:'Applicable rate', amt:(rate*100)+'%' + (pan?'':' (no PAN \u2014 206AA)')},\n    ];\n    rows.push({label:'TDS for the year', amt: fmt(tds), total:true});\n    renderLedgerRows(document.getElementById('p_ledger'), rows);\n\n    document.getElementById('p_result').textContent = fmt(tds);\n    document.getElementById('p_resultCard').classList.toggle('due', tds>0);\n    document.getElementById('p_resultNote').textContent = crosses\n      ? 'TDS applies to the full amount once the threshold is crossed.'\n      : 'Below \u20b950,000\/year \u2014 no TDS applies.';\n  }\n  document.getElementById('p_amount').addEventListener('input', calcProf);\n  initToggle('ptype', calcProf);\n  initToggle('ppan', calcProf);\n\n  \/\/ Initial render\n  calcSalary(); calcFD(); calcRent(); calcProf();\n<\/script>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"791\" height=\"1024\" src=\"https:\/\/mybharatportal.com\/tools\/wp-content\/uploads\/2026\/10\/tds-calculator-screenshot-791x1024.jpg\" alt=\"TDS calculator showing Rs. 10,000 TDS on Rs. 1,00,000 professional fees\" class=\"wp-image-1924\" srcset=\"https:\/\/mybharatportal.com\/tools\/wp-content\/uploads\/2026\/10\/tds-calculator-screenshot-791x1024.jpg 791w, https:\/\/mybharatportal.com\/tools\/wp-content\/uploads\/2026\/10\/tds-calculator-screenshot-232x300.jpg 232w, https:\/\/mybharatportal.com\/tools\/wp-content\/uploads\/2026\/10\/tds-calculator-screenshot-768x994.jpg 768w, https:\/\/mybharatportal.com\/tools\/wp-content\/uploads\/2026\/10\/tds-calculator-screenshot.jpg 850w\" sizes=\"auto, (max-width: 791px) 100vw, 791px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Updated for FY 2025-26 (AY 2026-27) \u00b7 Cross-checked against Finance Act 2025 and the Income Tax Department&#8217;s official TDS guidance<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Every payday, every FD maturity, every rent transfer \u2014 a little bit of your money disappears before it even reaches your account. That&#8217;s TDS. Most of us have seen it on a payslip or a bank statement without really knowing why the number is what it is, or whether it&#8217;s even correct.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This TDS calculator does the maths for you. Below it, we&#8217;ve broken down exactly how each number is arrived at \u2014 with real numbers, not textbook jargon \u2014 so you can double-check your employer or bank instead of just trusting the deduction blindly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>[TDS Calculator Widget Placeholder \u2014 retain existing interactive tool here]<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">What is TDS, in Plain Terms<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Think of TDS as the government collecting its share upfront, through whoever is paying you, rather than waiting for you to file a return and pay at year-end.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your employer does it with your salary. Your bank does it with your FD interest. Your tenant (if you&#8217;re a landlord earning \u20b950,000+ a month in rent) does it too. The payer deducts a fixed percentage, deposits it with the Income Tax Department against your PAN, and hands you the rest.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The upside: if the amount deducted is more than your actual tax liability for the year \u2014 which happens often, especially for lower-income earners \u2014 you get it back as a refund when you file your ITR.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>Important timeline correction:<\/strong> You may have seen articles claiming TDS is &#8220;now under Section 393 of the new Income Tax Act.&#8221; That&#8217;s true only from <strong>1 April 2026 onward<\/strong> (FY 2026-27). For the current financial year, FY 2025-26, every TDS deduction on income paid before 31 March 2026 is still governed by the old Income Tax Act, 1961 (Sections 192, 194A, 194C, etc.). Don&#8217;t let anyone tell you otherwise on your Form 16 or 26Q filing for this year.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">How TDS is Calculated \u2014 The Actual Formula<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Salary TDS (Section 192):<\/strong><\/p>\n\n\n\n<pre class=\"wp-block-code\"><code>Taxable Salary = Gross Salary \u2013 HRA Exemption \u2013 Standard Deduction (\u20b975,000, new regime)\n                  \u2013 Other Exemptions \u2013 80C\/80D\/NPS Deductions (old regime only)\n\nTax on Taxable Salary = Apply slab rates + 4% Health &amp; Education Cess \u2013 Section 87A Rebate (if eligible)\n\nMonthly TDS = Annual Tax \u00f7 Remaining Months\n<\/code><\/pre>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>FD\/Bank Interest TDS (Section 194A):<\/strong><\/p>\n\n\n\n<pre class=\"wp-block-code\"><code>TDS = Annual Interest \u00d7 10% (PAN furnished)\nTDS = Annual Interest \u00d7 20% (no PAN \u2014 Section 206AA)\n<\/code><\/pre>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Rent TDS (Section 194-I \/ 194-IB):<\/strong><\/p>\n\n\n\n<pre class=\"wp-block-code\"><code>TDS = Monthly Rent \u00d7 2%   (deducted monthly if rent crosses \u20b950,000\/month)\n<\/code><\/pre>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">New Tax Regime Slabs \u2014 FY 2025-26 (AY 2026-27)<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Income Slab<\/th><th>Tax Rate<\/th><\/tr><\/thead><tbody><tr><td>\u20b90 \u2013 \u20b94,00,000<\/td><td>Nil<\/td><\/tr><tr><td>\u20b94,00,001 \u2013 \u20b98,00,000<\/td><td>5%<\/td><\/tr><tr><td>\u20b98,00,001 \u2013 \u20b912,00,000<\/td><td>10%<\/td><\/tr><tr><td>\u20b912,00,001 \u2013 \u20b916,00,000<\/td><td>15%<\/td><\/tr><tr><td>\u20b916,00,001 \u2013 \u20b920,00,000<\/td><td>20%<\/td><\/tr><tr><td>\u20b920,00,001 \u2013 \u20b924,00,000<\/td><td>25%<\/td><\/tr><tr><td>Above \u20b924,00,000<\/td><td>30%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Section 87A rebate:<\/strong> If your net taxable income (after standard deduction) is up to \u20b912,00,000, you get a rebate of up to \u20b960,000 \u2014 bringing your tax to <strong>zero<\/strong>. This is why a salaried person can earn up to \u20b912.75 lakh gross (\u20b912L + \u20b975K standard deduction) and pay no income tax at all under the new regime. Marginal relief applies if you&#8217;re just slightly above \u20b912L, so the tax doesn&#8217;t jump sharply.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">TDS Rate Chart \u2014 FY 2025-26<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Section<\/th><th>Nature of Payment<\/th><th>Threshold<\/th><th>TDS Rate<\/th><\/tr><\/thead><tbody><tr><td>192<\/td><td>Salary<\/td><td>Basic exemption limit<\/td><td>As per slab<\/td><\/tr><tr><td>193<\/td><td>Interest on Securities<\/td><td>\u20b910,000\/year<\/td><td>10%<\/td><\/tr><tr><td>194A<\/td><td>FD\/Bank Interest<\/td><td>\u20b950,000\/year (\u20b91L for senior citizens)<\/td><td>10%<\/td><\/tr><tr><td>194A<\/td><td>Interest \u2014 Other Payers<\/td><td>\u20b910,000\/year<\/td><td>10%<\/td><\/tr><tr><td>194C<\/td><td>Contractor (Individual\/HUF)<\/td><td>\u20b930,000 single \/ \u20b91L aggregate<\/td><td>1%<\/td><\/tr><tr><td>194C<\/td><td>Contractor (Company\/Others)<\/td><td>\u20b930,000 single \/ \u20b91L aggregate<\/td><td>2%<\/td><\/tr><tr><td>194H<\/td><td>Commission\/Brokerage<\/td><td>\u20b920,000\/year<\/td><td>2%<\/td><\/tr><tr><td>194-I<\/td><td>Rent \u2014 Land\/Building\/Furniture<\/td><td>\u20b950,000\/month (\u20b96L\/year)<\/td><td>10%<\/td><\/tr><tr><td>194-I<\/td><td>Rent \u2014 Plant &amp; Machinery<\/td><td>\u20b950,000\/month (\u20b96L\/year)<\/td><td>2%<\/td><\/tr><tr><td>194-IB<\/td><td>Rent by Individual\/HUF (not under tax audit)<\/td><td>\u20b950,000\/month<\/td><td>2%<\/td><\/tr><tr><td>194-IA<\/td><td>Purchase of Immovable Property<\/td><td>\u20b950 lakh (sale value or stamp value)<\/td><td>1%<\/td><\/tr><tr><td>194J<\/td><td>Professional Fees<\/td><td>\u20b950,000\/year<\/td><td>10%<\/td><\/tr><tr><td>194J<\/td><td>Technical Services<\/td><td>\u20b950,000\/year<\/td><td>2%<\/td><\/tr><tr><td>194T<\/td><td>Payments to Partners (LLP\/firm)<\/td><td>\u20b920,000\/year<\/td><td>10%<\/td><\/tr><tr><td>194O<\/td><td>E-commerce Sellers<\/td><td>\u20b95 lakh (Individual\/HUF); no floor for others<\/td><td>0.1% (5% if no PAN\/Aadhaar)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Note the split under 194-I: <strong>10% for land, buildings, and furniture<\/strong>, but only <strong>2% for plant and machinery<\/strong> \u2014 a common confusion point. If you&#8217;re a company renting an office (building) and separately leasing equipment from the same landlord, the two components are taxed differently even  on the same invoice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>No PAN, double the deduction.<\/strong> If you don&#8217;t submit your PAN, Section 206AA kicks in and TDS jumps to 20% (or the applicable rate, whichever is higher) \u2013 almost always worse than furnishing your PAN.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Worked Example 1 \u2014 Salary TDS (Corrected)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Meet <strong>Rahul<\/strong>, a software engineer in Pune earning \u20b912,00,000 CTC, on the new tax regime. You can re-run his numbers anytime in our <a href=\"https:\/\/mybharatportal.com\/tools\/income-tax-calculator\/\">income tax calculator<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Particulars<\/th><th>Amount<\/th><\/tr><\/thead><tbody><tr><td>Gross Salary<\/td><td>\u20b912,00,000<\/td><\/tr><tr><td>Less: Standard Deduction<\/td><td>\u2013 \u20b975,000<\/td><\/tr><tr><td>Net Taxable Salary<\/td><td>\u20b911,25,000<\/td><\/tr><tr><td>Tax on slabs (before rebate, before cess)<\/td><td>\u20b952,500<\/td><\/tr><tr><td>Less: Section 87A Rebate (lower of actual tax or \u20b960,000 \u2014 income is under \u20b912L, so fully eligible)<\/td><td>\u2013 \u20b952,500<\/td><\/tr><tr><td>Tax after rebate<\/td><td>\u20b90<\/td><\/tr><tr><td>Add: 4% Cess (on \u20b90)<\/td><td>\u20b90<\/td><\/tr><tr><td><strong>Final Tax Payable<\/strong><\/td><td><strong>\u20b90<\/strong><\/td><\/tr><tr><td><strong>Monthly TDS Deducted by Employer<\/strong><\/td><td><strong>\u20b90<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The rebate is applied <em>before<\/em> cess, not after \u2014 since Rahul&#8217;s tax-before-cess (\u20b952,500) is fully within the \u20b960,000 rebate cap, it&#8217;s wiped out entirely, and cess on a zero base is also zero. Because his taxable income (\u20b911.25L) falls under the \u20b912 lakh rebate ceiling, his employer should not deduct any TDS at all, provided he&#8217;s declared his regime choice correctly at the start of the year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Contrast this with Priya<\/strong>, a marketing manager earning \u20b915,00,000 CTC:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Particulars<\/th><th>Amount<\/th><\/tr><\/thead><tbody><tr><td>Net Taxable Salary (after \u20b975K deduction)<\/td><td>\u20b914,25,000<\/td><\/tr><tr><td>Tax: Nil on 0\u20134L, 5% on 4\u20138L (\u20b920,000), 10% on 8\u201312L (\u20b940,000), 15% on 12\u201314.25L (\u20b933,750)<\/td><td>\u20b993,750<\/td><\/tr><tr><td>Add: 4% Cess<\/td><td>\u20b93,750<\/td><\/tr><tr><td><strong>Total Annual Tax<\/strong><\/td><td><strong>\u20b997,500<\/strong><\/td><\/tr><tr><td>87A Rebate<\/td><td>Not applicable (income above \u20b912L)<\/td><\/tr><tr><td><strong>Monthly TDS<\/strong><\/td><td><strong>\u2248 \u20b98,125<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Priya crosses the \u20b912L threshold, so no rebate applies \u2014 she pays tax on the full slab-wise calculation.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Worked Example 2 \u2014 TDS on FD Interest<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Sharmaji<\/strong>, a 65-year-old retiree in Lucknow, earns \u20b91,40,000 annual interest from an FD with SBI.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Senior citizen threshold under Section 194A: \u20b91,00,000\/year<\/li>\n\n\n\n<li>Interest earned: \u20b91,40,000 \u2192 exceeds threshold<\/li>\n\n\n\n<li>TDS deducted: 10% of \u20b91,40,000 = <strong>\u20b914,000<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If Sharmaji&#8217;s total income (after all deductions, including the \u20b950,000 exemption under Section 80TTB) is below the taxable limit, he should submit <strong>Form 15H<\/strong> to the bank at the start of the financial year to avoid this deduction entirely \u2014 rather than paying it and claiming a refund months later.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">5 Practical Ways to Reduce Your TDS Burden<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Submit Form 15G\/15H early<\/strong> \u2014 before your bank credits the first quarter&#8217;s interest, not after. This is one form per bank branch, every April.<\/li>\n\n\n\n<li><strong>Declare your investments to your employer by April-end<\/strong> \u2014 under the old regime, 80C, 80D, and HRA proofs submitted late mean your employer deducts TDS assuming zero deductions, and you overpay every month until you fix it.<\/li>\n\n\n\n<li><strong>Furnish your PAN everywhere<\/strong> \u2014 bank, employer, tenant, client. Missing PAN doubles your TDS rate under Section 206AA.<\/li>\n\n\n\n<li><strong>Choose your regime deliberately<\/strong> \u2014 if you have significant HRA, 80C, or home loan interest, run the numbers under both regimes before your employer locks in your TDS calculation for the year.<\/li>\n\n\n\n<li><strong>File your ITR even if your income is below the taxable limit<\/strong> \u2014 it&#8217;s the only way to get excess TDS refunded, and refunds after July 31 attract no additional benefit, so filing on time matters.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">TDS Deposit Due Dates (For Deductors)<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>TDS Deducted In<\/th><th>Deposit Due Date<\/th><th>Late Fee (Section 234E)<\/th><\/tr><\/thead><tbody><tr><td>April \u2013 February<\/td><td>7th of the following month<\/td><td>\u20b9200\/day<\/td><\/tr><tr><td>March<\/td><td>30th April<\/td><td>\u20b9200\/day<\/td><\/tr><tr><td>Property purchase TDS (194-IA)<\/td><td>Within 30 days of month-end<\/td><td>\u20b9200\/day<\/td><\/tr><tr><td>Quarterly TDS Return (Form 24Q\/26Q)<\/td><td>31 Jul \/ 31 Oct \/ 31 Jan \/ 31 May<\/td><td>\u20b9200\/day<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<style>.kt-accordion-id612_3d87e0-de .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:10px;}.kt-accordion-id612_3d87e0-de .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:#ffffff;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id612_3d87e0-de > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #f2f2f2;border-right:1px solid #f2f2f2;border-bottom:1px solid #f2f2f2;border-left:1px solid #f2f2f2;border-top-left-radius:6px;border-top-right-radius:6px;border-bottom-right-radius:6px;border-bottom-left-radius:6px;background:#f2f2f2;color:#555555;padding-top:13px;padding-right:15px;padding-bottom:13px;padding-left:15px;}.kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#555555;}.kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#555555;}.kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#f2f2f2;}.kt-accordion-id612_3d87e0-de > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id612_3d87e0-de .kt-blocks-accordion-header:focus-visible{color:#444444;background:#eeeeee;border-top:1px solid #878787;border-right:1px solid #878787;border-bottom:1px solid #878787;border-left:1px solid #878787;}.kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#eeeeee;}.kt-accordion-id612_3d87e0-de .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id612_3d87e0-de > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:#ffffff;background:#BE530B;border-top:1px solid #BE530B;border-right:1px solid #BE530B;border-bottom:1px solid #BE530B;border-left:1px solid #BE530B;}.kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#ffffff;}.kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id612_3d87e0-de:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#BE530B;}@media all and (max-width: 1024px){.kt-accordion-id612_3d87e0-de .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id612_3d87e0-de > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #f2f2f2;border-right:1px solid #f2f2f2;border-bottom:1px solid #f2f2f2;border-left:1px solid #f2f2f2;}}@media all and (max-width: 1024px){.kt-accordion-id612_3d87e0-de > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id612_3d87e0-de .kt-blocks-accordion-header:focus-visible{border-top:1px solid #878787;border-right:1px solid #878787;border-bottom:1px solid #878787;border-left:1px solid #878787;}}@media all and (max-width: 1024px){.kt-accordion-id612_3d87e0-de .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id612_3d87e0-de > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #BE530B;border-right:1px solid #BE530B;border-bottom:1px solid #BE530B;border-left:1px solid #BE530B;}}@media all and (max-width: 767px){.kt-accordion-id612_3d87e0-de .kt-accordion-inner-wrap{display:block;}.kt-accordion-id612_3d87e0-de .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:10px;}.kt-accordion-id612_3d87e0-de .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}.kt-accordion-id612_3d87e0-de > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #f2f2f2;border-right:1px solid #f2f2f2;border-bottom:1px solid #f2f2f2;border-left:1px solid #f2f2f2;}.kt-accordion-id612_3d87e0-de > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id612_3d87e0-de .kt-blocks-accordion-header:focus-visible{border-top:1px solid #878787;border-right:1px solid #878787;border-bottom:1px solid #878787;border-left:1px solid #878787;}.kt-accordion-id612_3d87e0-de .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id612_3d87e0-de > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #BE530B;border-right:1px solid #BE530B;border-bottom:1px solid #BE530B;border-left:1px solid #BE530B;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id612_3d87e0-de kt-accordion-has-7-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"0\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane612_16ef68-47\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Q 1: <strong>Is the Income Tax Act 2025 applicable to my TDS for FY 2025-26?<\/strong> <\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">No. The new Act&#8217;s TDS provisions (Sections 392, 393, 394) apply only from 1 April 2026 onward. Any income paid or credited before 31 March 2026 is governed by the Income Tax Act, 1961, using the familiar section numbers \u2014 192, 194A, 194C, and so on.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane612_4258af-cd\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Q 2: <strong>Why did my employer deduct TDS even though I fall under the 87A rebate limit?<\/strong> <\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">This usually happens when you haven&#8217;t declared your regime choice or investment details at the start of the year, so the employer&#8217;s payroll system defaults to a conservative (higher) TDS estimate. Submit your declaration and the excess will be adjusted in later months, or refunded when you file your ITR.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane612_819378-7e\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Q 3: <strong>Can I avoid TDS on FD interest completely?<\/strong> <\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Yes, if your total income is below the taxable threshold, by submitting Form 15G (below 60 years) or Form 15H (60 years and above) to your bank before the first interest credit of the financial year. From April 2026, these are replaced by a single Form 121 under the new Act.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-4 kt-pane612_4ad62d-87\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Q 4: <strong>What happens if I don&#8217;t have a PAN?<\/strong> <\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">TDS is deducted at 20% instead of the standard rate \u2014 for most sections, that&#8217;s double what you&#8217;d otherwise pay. Always submit your PAN to every deductor.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-5 kt-pane612_d20db6-49\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Q 5: <strong>Where can I check how much TDS has actually been deducted against my PAN?<\/strong> <\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Log in to the Income Tax e-filing portal and check Form 26AS or the Annual Information Statement (AIS) \u2014 both are updated by deductors quarterly and are the authoritative record, not your payslip or bank statement alone.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-6 kt-pane612_a78614-6c\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Q 6: <strong>Is TDS the same as my final tax liability?<\/strong> <\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">No. TDS is an advance collection. Your actual tax liability is determined when you file your ITR, factoring in all income, deductions, and rebates. If TDS deducted exceeds your liability, you get a refund; if it falls short, you pay the balance as self-assessment tax.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" style=\"margin-top:20px;margin-bottom:20px\"\/>\n\n\n\n<p class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-24987fb0d14b50930120fee8be69a86d wp-block-paragraph\"><em>This article is for general informational purposes and reflects rules applicable as of 17 July 2026. Tax rules change with each Union Budget \u2014 verify current thresholds against the official Income Tax Department portal (<\/em><a href=\"http:\/\/incometax.gov.in\/\" data-type=\"link\" data-id=\"http:\/\/incometax.gov.in\/\" target=\"_blank\" rel=\"noopener\">incometax.gov.in<\/a><em>) or consult a chartered accountant before making filing decisions.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Free TDS Calculator 2025-26 \u2014 Salary, FD, Rent &amp; Professional Fees Income Tax Act, 1961 \u00b7 Sections 192 \u00b7 194A \u00b7 194-I\/IB \u00b7 194J TDS Calculator Salary, FD interest, rent &amp; professional fees \u2014 FY 2025-26 (AY 2026-27). Cross-checked against Finance Act 2025. 01 Salary 02 FD \/ Bank Interest 03 Rent 04 Professional Fees&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"hide","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-612","page","type-page","status-publish","hentry"],"acf":[],"taxonomy_info":[],"featured_image_src_large":false,"author_info":{"display_name":"Sufyan","author_link":"https:\/\/mybharatportal.com\/tools\/author\/sufyan\/"},"comment_info":0,"_links":{"self":[{"href":"https:\/\/mybharatportal.com\/tools\/wp-json\/wp\/v2\/pages\/612","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mybharatportal.com\/tools\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mybharatportal.com\/tools\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mybharatportal.com\/tools\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mybharatportal.com\/tools\/wp-json\/wp\/v2\/comments?post=612"}],"version-history":[{"count":4,"href":"https:\/\/mybharatportal.com\/tools\/wp-json\/wp\/v2\/pages\/612\/revisions"}],"predecessor-version":[{"id":1938,"href":"https:\/\/mybharatportal.com\/tools\/wp-json\/wp\/v2\/pages\/612\/revisions\/1938"}],"wp:attachment":[{"href":"https:\/\/mybharatportal.com\/tools\/wp-json\/wp\/v2\/media?parent=612"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}