Submit Form 15 G/H

If you're earning interest on your deposits and want to avoid Tax Deducted at Source (TDS), HDFC Bank has you covered! By filling out Form 15G or Form 15H, you can claim an exemption from TDS, as long as you meet the eligibility requirements.

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Step-by-Step Guide: How to Fill Form 15G/H

Via InstaServices

  • Visit HDFC Bank InstaServices.

  • Choose Form 15G/H Submission from the list of services.

  • Enter your registered mobile number and identify using your PAN, DOB or Customer ID.

  • Fill in the form.

  • Receive instant confirmation once submitted successfully.

Click here to get started

No need for collateral

Via NetBanking

  • Sign in to your HDFC Bank NetBanking account.
  • Click on the profile menu at the top-right corner of the page.
  • Navigate to the “Tax Services” section.
  • Choose the option to submit your Form 15G or 15H.
  • Start the online submission process.
  • Enter your personal details, PAN, income information and other required fields.
  • Review your details and submit the form.

A confirmation will appear once the submission is successful.

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Via MobileBanking

  • Open the HDFC Bank Mobile App and log in with your credentials.
  • Tap the sidebar menu and scroll down.
  • Under “Support and Services”, select “Tax Centre.”
  • Choose the option to submit Form 15G or 15H.
  • You will be redirected to the online form submission journey.
  • Fill in the form by entering the required information accurately.
  • Review and submit the form.

A confirmation will be displayed once the submission is successful.

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Common Mistakes To Avoid

  • Avoid providing incorrect PAN details, as this can lead to your application being rejected.

  • Make sure to submit the form only if your income is within the exemption limit.

  • Don't forget to file the form at the beginning of the financial year.

  • Remember to disclose any multiple deposits you make across different branches.

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Who Can File Form 15G/H?

Form 15 G and 15 H are used for the same purpose but have varied eligibility criteria. Here is how they differ:

Form 15G:

  • Annual income is less than ₹3,00,000.
  • You must be a resident of India and not a company or firm.
  • Your age should be below 60 years.
  • Your total annual income (including interest income) must be below the basic exemption limit; i.e., it should not lead to tax liability.
  • You must have a valid PAN in the bank’s records.

Form 15H:

  • Annual income is less than ₹7,00,000.
  • You should be 60 years or older (senior citizen).
  • The same resident status, PAN and no tax liability criteria as for Form 15G.
  • Your income (including interest) must be under the exemption threshold applicable to senior citizens, so that filing the form results in no TDS on eligible interest income.

Key Documents You Need When Submitting Form 15 G/H

Here are the documents you need to furnish to submit for 15 G/H:

Essential Documents

  • Your PAN card (mandatory): It must be updated in bank records.
  • Estimated interest income details from all sources (e.g. Fixed Deposits, Recurring Deposits etc.).

Additional Documents

  • Previous year’s income proof (if required or asked by bank)
  • Residential proof/ Address details (if not already updated in bank records)
  • Aadhaar (for verification and linkage)

Frequently Asked Questions

These forms are only valid if your income is below ₹3 Lakh (Form 15G) or ₹7 Lakh (Form 15H).

You need to submit it every financial year to prevent TDS on eligible deposits.

If you missed submitting your 15G/H form, TDS will be deducted. However, you can claim a refund while filing your Income Tax Return (ITR).

Submit Form 15 G/H Now!

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