Can I get TDS refund?

Yes, if total TDS deducted exceeds your actual tax liability (e.g., you made investments but didn't declare them). File ITR to claim the refund. Refund is processed in 2-6 months.

What if my employer deducted excess TDS?

Submit investment proofs to your employer — they'll adjust in remaining months. Or file ITR after year-end and claim refund from the IT department.

TDS on Salary — Calculation & How to Reduce

TDS (Tax Deducted at Source) on salary is the income tax your employer deducts from your monthly pay and deposits with the government on your behalf.

How TDS Is Calculated

Employer estimates your total annual income → applies deductions (80C, 80D, HRA, etc.) → calculates tax on net taxable income → divides by 12 → deducts monthly. Submit investment declarations early to reduce TDS.

How to Reduce TDS

Submit investment proofs early: 80C investments, health insurance, HRA rent receipts, home loan interest certificate. Declare all planned investments at the start of the financial year. Without declarations, employer deducts maximum TDS.

Form 16 & Verification

Form 16 is your annual TDS certificate from employer. Verify: Part A (TDS deposited with govt) and Part B (salary breakup, deductions claimed). Cross-check with Form 26AS on income tax portal.