Introduction
If your employer has deducted more tax from your salary than what you actually owe, figuring out how to get TDS refund on salary in India can save you money. This happens often when your investments or deductions reduce your tax bill, but TDS was cut based on your gross pay. In this guide, updated for 2025, we’ll explain how to get TDS refund on salary in India step by step. Whether your income is low or you have extra deductions, knowing how to get TDS refund on salary in India helps you claim what’s yours. With the financial year 2025-26 in mind, we’ll cover eligibility, documents, and tips.
Understanding TDS on Salary and Refunds
TDS, or Tax Deducted at Source, is taken from your salary by your employer under Section 192 of the Income Tax Act. It’s based on your expected yearly income and tax slabs. A refund comes when the deducted TDS is more than your final tax after all calculations. This can happen if you invest in things like life insurance or home loans under Section 80C, which lower your taxable income.
For example, if your employer deducts TDS thinking your tax is Rs. 50,000, but after deductions it’s only Rs. 30,000, you can claim Rs. 20,000 back. Common reasons include not declaring all investments early or having income below the basic limit of Rs. 2.5 lakh (old regime) or Rs. 3 lakh (new regime) for FY 2025-26. Remember, refunds aren’t automatic – you must file your Income Tax Return (ITR) to claim them. Learning how to get TDS refund on salary in India starts with checking your Form 16 for deducted amounts.
Who Can Claim TDS Refund on Salary
Not everyone gets a refund, but many salaried people do. You’re eligible if the TDS from salary is higher than your actual tax after adding all income and subtracting deductions. This includes cases where your total income is below the taxable limit, but TDS was still deducted.
Key points for eligibility:
- You have proofs for deductions like HRA, medical insurance, or donations not considered during TDS.
- Your income dropped due to job change or loss, leading to over-deduction.
- Senior citizens with income under Rs. 12.75 lakh in the new regime might get easier options soon, but for now, full ITR is needed.
As of July 2025, no refund if you miss the ITR deadline, which is July 31 (extended to September 15 for AY 2025-26). If you’re unsure about how to get TDS refund on salary in India, TaxQue can check your eligibility quickly.
Documents Needed for Claiming Refund
Before starting, collect these papers to make how to get TDS refund on salary in India smooth. You don’t send them physically, but use them to fill your ITR correctly.
Here’s a list of must-have documents:
- Form 16 from your employer, showing salary details and TDS deducted.
- Form 12BB for any deductions claimed, like house rent allowance.
- Proofs of investments, such as receipts for Section 80C items like PPF or ELSS.
- Bank statements for interest income and Aadhaar card for verification.
- Form 26AS from the tax portal to match TDS credits.
Having these ready avoids mistakes. For complex cases, TaxQue helps organise your documents for accurate filing.
Step-by-Step Guide to Claim TDS Refund
Claiming is online and easy. Follow these steps on the Income Tax e-filing website to learn how to get TDS refund on salary in India.
- Calculate your total tax: Add all income, subtract deductions, and see if TDS paid is more than due.
- Register or log in: Go to incometax.gov.in, use PAN as ID, and sign in.
- File ITR: Choose the right form (like ITR-1 for simple salary income), enter details from Form 16, add other income, and pick your tax regime.
- Verify: Use Aadhaar OTP or net banking to confirm within 30 days.
- Submit and track: After processing (1-6 months), refund goes to your bank.
If delayed, you get 0.5% interest per month. TaxQue can guide you through each step for faster results.
How to Check Your Refund Status
After filing, don’t wait blindly. Check status online to track how to get TDS refund on salary in India.
Steps to check:
- Log in to the e-filing portal.
- Go to View Filed Returns, pick the year, and see refund details.
- Look for statuses like ‘Refund Issued’ or ‘Under Process’.
If stuck, request reissue or fix errors. Use Form 26AS to verify TDS matches.
Common Issues and Tips for Smooth Refunds
Problems like wrong bank details or past dues can delay refunds. For example, refunds might adjust against old taxes.
Tips to avoid issues:
- File early to beat deadlines.
- Validate your bank account on the portal.
- Submit Form 15G/15H to employer if income is low to cut TDS upfront.
- Use the new regime for simplicity if deductions are few.
With these, how to get TDS refund on salary in India becomes easy. TaxQue offers tools to handle common problems.
Frequently Asked Questions (FAQs)
What is a TDS refund on salary and when can I claim it?
A TDS refund on salary happens when deducted tax is more than your actual liability. Claim it by filing ITR if you have extra deductions or low income. Learn how to get TDS refund on salary in India through the tax portal.
Which documents do I need for how to get TDS refund on salary in India?
You need Form 16, investment proofs, bank statements, and Form 26AS. These help fill your ITR accurately. TaxQue can assist in gathering and verifying them.
What is the deadline for claiming TDS refund in 2025?
File ITR by July 31 (extended to September 15 for AY 2025-26). Missing it means no refund. Start early to master how to get TDS refund on salary in India.
How long does it take to get the refund after filing?
Usually 1-6 months after verification. Check status online, and get interest if delayed. TaxQue provides updates on your refund progress.
Can I avoid excess TDS to not need a refund?
Yes, submit Form 15G/15H to your employer if eligible. This stops over-deduction, simplifying how to get TDS refund on salary in India or avoiding it altogether.
Conclusion
Knowing how to get TDS refund on salary in India lets you recover extra tax paid and manage money better. By filing ITR on time, checking eligibility, and using tips, you can get your refund without trouble in 2025. Remember, accurate details and early action are key. If it seems tough, TaxQue is there with easy services for filing and tracking. Claim what’s yours, stay compliant, and enjoy peace of mind with your taxes.
