How to Download Form 16 Online?

To download your Form 16, visit the TRACES portal (https://www.tdscpc.gov.in), log in using your PAN as the username and password (register first if needed), navigate to the 'Downloads' section, select 'Form 16,' choose the relevant financial year (e.g., 2024-25 for AY 2025-26), verify the details, and download the PDF. Alternatively, check your employer’s HR portal or email, as some companies provide Form 16 directly. If you encounter issues, contact your employer or verify TDS details on TRACES for discrepancies.
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30 September 2025

Form 16 plays a crucial role in the Indian taxation system. This document is issued by an employer to an employee and works as proof of the salary paid and the tax deducted at source (TDS) during a financial year. It contains all the necessary information about your annual earnings, exemptions, and deductions made under the Income Tax Act. Since tax filing requires accurate details of your income and the taxes already paid, Form 16 is an important certificate for salaried individuals. Learning how to download Form 16 online helps you manage your tax obligations smoothly, avoid mistakes, and keep your records updated. With it, you can complete your income tax return filing with confidence and precision.

Latest updates on Form 16

Here are some key updates you should know about Form 16 for the financial year 2024-25:

Changes to Form 16 for FY 2024-25

The form now gives a clearer picture of salary structure, including exemptions and deductions. For those under the new tax system, the standard deduction has gone up to Rs. 75,000. A higher deduction for employer contributions to NPS will now appear on Form 16, and tax deducted or collected on other declared incomes or expenses (via Form 12BBA) will also be shown.

Deadline for issuing Form 16

Employers were required to issue Form 16 by 15 June 2025. Delays may attract a fine of Rs. 100 per day.

ITR filing deadline extension

The ITR deadline for FY 2024-25 has been pushed to 16 September 2025.

What to do if you haven't received Form 16

You can ask your employer or file using pay slips, Form 26AS, and AIS.

What is Form 16?

Form 16 is an official certificate issued under the Income Tax Act that provides a record of Tax Deducted at Source (TDS) on your salary income. Whenever an employer deducts TDS before paying you, the details are reflected in this form. It mentions your gross income, exemptions, deductions under various sections, and the net tax liability, if any. For salaried employees, Form 16 is considered one of the most important documents because it not only helps in verifying the taxes already deducted but also assists in the process of filing income tax returns. In short, it is evidence that your employer has deducted and deposited tax with the government on your behalf. The form is divided into two parts:

Part A of Form 16

Part A of Form 16 mainly highlights the Tax Deducted at Source (TDS) on your salary. It shows how much tax your employer deducted every quarter and includes important identification details like the employer’s PAN and TAN, along with your PAN.

This part is created and downloaded by the employer from the TRACES portal and must be verified before it's issued.

If you’ve worked with more than one employer in the same financial year, each employer will issue a separate Part A covering the respective employment periods.

Here’s what you’ll find in Part A:

  • Name and address of the employer

  • PAN and TAN of the employer

  • Your PAN

  • Summary of salary paid every quarter

  • Summary of tax deducted and deposited by the employer

Always make sure your personal and tax details are correct in Part A before using it for income tax filing.

Part B of Form 16

Part B is a detailed annexure to Part A and includes a comprehensive breakdown of your salary, tax-exempt allowances, and eligible deductions under Chapter VI-A. This section is created by your employer and is unique to each individual. If you’ve changed jobs during the financial year, you should collect Part B from each employer.

It shows the structure of your salary including basic pay, allowances, and any exemptions allowed under Section 10 (like HRA or LTA). It also details deductions such as:

  • Life insurance premiums and PPF (Section 80C)

  • Pension contributions (Sections 80CCC, 80CCD(1), 80CCD(1B), 80CCD(2))

  • Health insurance premiums (Section 80D)

  • Interest on education loans (Section 80E)

  • Donations (Section 80G)

  • Interest on savings (Section 80TTA)

In addition, it lists the total tax calculated, surcharge and cess applied, and any relief claimed under Section 89. Part B offers a summarised view of your income and tax deductions, making it easier to file an accurate tax return.

Form 16 serves multiple purposes, including simplifying the tax filing process, serving as proof of income, and helping in error rectification in tax returns.

How to download Form 16 online – Step-by-step process for 2025

Downloading Form 16 is a straightforward process that ensures you have all necessary tax documents in order. Here’s a step-by-step guide to download Form 16 for 2025:

  • Step 1: Collect the necessary information: Before you start the Form 16 download process, make sure you have all the required information handy. You will need your Permanent Account Number (PAN), the financial year for which you need the Form 16, and your employer’s details. Having these details ready will help you avoid any delays.

  • Step 2: Visit the TRACES website: The Tax Deducted at Source (TDS) Reconciliation Analysis and Correction Enabling System (TRACES) is the official website to download Form 16. Open your web browser and go to the TRACES website. This is where you will begin the process of how to download Form 16 online.

  • Step 3: Login or register: If you already have an account on the TRACES website, log in using your credentials. If you do not have an account, you will need to register. Registration is straightforward – you need to provide your PAN, date of birth and other necessary details. Once registered, log in to proceed.

  • Step 4: Navigate to the Form 16 section: After logging in, you will see several options on the dashboard. Look for the ‘Downloads’ tab and click on it. Under this tab, select ‘Form 16’. This will take you to the page where you can download Form 16.

  • Step 5: Enter the required details: On the Form 16 page, you need to enter the financial year for which you need the form. Also, provide your PAN and other details as required. Double-check the information to ensure accuracy.

  • Step 6: Download Form 16: Once you have entered all the necessary details, click the ‘Submit’ button. The website will process your request and generate Form 16. You will see a download link on the screen. Click on this link to download Form 16 to your computer.

  • Step 7: Save and print: After downloading Form 16, save it in a secure location on your computer. It is also advisable to print a copy for your records. This document will be helpful not only for filing your income tax return but also when applying for a home loan, such as a Bajaj Finserv Home Loan.

By following these steps and taking necessary precautions, you can easily download Form 16 and streamline your tax filing process. However, effective financial planning goes beyond just tax filing. It’s crucial to also consider investments and other financial products that align with your long-term financial goals.

Difference Between Form 16, Form 16A and Form 16B

Particulars

Form 16

Form 16A

Form 16B

Purpose

TDS certificate for salary income

TDS certificate for non-salary income (e.g., interest, rent)

TDS certificate for sale of property

Issued by

Employer

Banks, financial bodies

Buyer of the property

Covers

Salary

Interest, rent, commission

Sale of land/building

Issued

Annually

Quarterly

Per transaction

When required

If salary crosses the exemption limit

If TDS applicable on other income

If property sale exceeds Rs. 50 lakhs

Why it's needed

For ITR filing and as salary proof

For ITR filing and financial transparency

As proof of TDS deducted on property sale

TDS rate

Based on income slab

As per income type and section

1% of sale amount or stamp value


When will Form 16 be available for salaried employees for FY 2024-25 (AY 2025-26)?

For the financial year 2024-25, employers must issue Form 16 by 15 June 2025. This applies to all employees whose salary has had TDS deducted during the financial year—from April 2024 to March 2025. If your employer fails to issue Form 16 by the due date, they could be penalised Rs. 100 per day until the document is shared. If you’ve worked with more than one company during the year, you should receive separate Form 16s from each employer. Make sure to follow up promptly if you haven’t received it by mid-June. This document is crucial for smooth ITR filing and accurate reporting of your income.

What are the eligibility criteria for Form 16?

Form 16 is issued to salaried individuals whose income exceeds the basic exemption limit, making them liable to pay income tax. According to rules by the Indian government, employers must deduct TDS from such individuals and issue Form 16 in return. If your salary is below the taxable threshold, your employer isn’t obligated to deduct tax or issue this form. However, some companies still provide it as a good practice. It’s especially helpful for maintaining clear financial records, applying for loans, or tracking your tax history. Even if you're no longer employed with a company, you are still entitled to receive Form 16 for the period in which TDS was deducted.

Why is Form 16 required?

Form 16 is important for several practical and legal reasons:

  • Proof of income: It works as evidence of the salary you have earned during a particular financial year.

  • Tax compliance: Since the document records the TDS deducted and deposited, it ensures compliance with tax regulations.

  • Income tax filing: You need Form 16 while filing your income tax return. It provides the exact details required to calculate your tax liability accurately.

  • Claiming deductions: The form helps in claiming exemptions and deductions under the Income Tax Act by referring to details in Part B.

  • Loan or credit application: Banks and financial institutions may ask for Form 16 to verify income before approving loans, credit cards, or other financial services.

  • Employment proof: Organisations may request it for background checks or job verifications, as it establishes both your employment and annual income.

When downloading Form 16, it is essential to follow certain precautions. Always make sure you download it only from the authorised Income Tax Department portal or directly obtain it from your employer to confirm its authenticity. Keep copies of Form 16 for every financial year safely stored, as they may be needed in future assessments, financial dealings, or employment verifications. If you are unsure about the process of downloading or using Form 16, it is wise to consult a chartered accountant or tax consultant. Their guidance will help you avoid errors and ensure compliance with tax rules.

Other topics you might find interesting

Income Tax Notice Section 142 1​

Section 80ccd 2 of Income Tax Act

Section 194h of Income Tax Act

Section 80ccd 1 of Income Tax Act

Section 148 of Income Tax Act

Section 80ggc of Income Tax Act

Section 80dd of Income Tax Act

Section 80e of Income Tax Act

Home Loan Interest Deduction

Section 80ccd 1b of Income Tax Act

Section 80ddb of Income Tax Act

Income Tax slab


Benefits of digital Form 16

With Form 16 now being generated directly through the TRACES portal by the Income Tax Department, there are several benefits:

  • More accurate data: Since the data is sourced directly from government records, it reduces the chances of human errors or mismatches.

  • Simpler ITR filing: Information from the digital Form 16 can be auto-filled when filing returns, making the process quicker and less prone to mistakes.

  • Faster refunds: Because the information is clean and structured, refunds are processed more efficiently.

  • Greater data security: Digital Form 16s are stored securely and encrypted, protecting your personal financial details.

  • Convenient for job switchers: Employees who’ve changed jobs during the year can collect and upload multiple Form 16s in digital format without hassles.

  • Environment-friendly: The shift to digital documents means fewer printed forms and reduced paper usage, which helps the environment.

This new format makes tax compliance smoother and more transparent for both employers and employees, ensuring fewer delays and better service from the income tax system.

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Key changes in Form 16 for FY 2024-25 (AY 2025-26)

Form 16 for FY 2024-25 includes updates aligned with Budget 2024 changes. If you are under the new tax regime, you can now claim a higher standard deduction of Rs. 75,000, up from Rs. 50,000. The employer’s contribution towards the National Pension Scheme (NPS) now qualifies for a greater deduction under Section 80CCD(2), which will be reflected in the form.

Additionally, if you’ve declared other income (like interest, dividends) or major expenses subject to TCS via Form 12BBA, these will now be included in Form 16 as well. These changes are meant to give a clearer view of your total taxable income and eligible deductions, and to make return filing more streamlined.

Form 16 details when filing your return

Form 16 contains all the key income and deduction details you’ll need to file your tax return for FY 2024-25. Here are the main elements provided in this document:

  • Allowances exempted under Section 10 (like HRA or LTA)

  • Deductions under Section 16

  • Total taxable salary

  • Income or loss from house property, if declared to the employer

  • Income declared under ‘Other Sources’

  • Detailed Section 80C deductions (gross and allowable amounts)

  • Net tax payable or refund receivable

It also lists employer details like:

  • Employer’s TAN and PAN

  • Employer’s name and address

  • Employee’s PAN

  • Financial year and assessment year

By comparing this information with Form 26AS or AIS, you can make sure all TDS has been correctly reported. If there are discrepancies, speak to your employer before filing your return. While not mandatory, using Form 16 ensures your return is more accurate and complete, especially when claiming deductions and calculating total income.

Points to be noted while checking Form 16

After receiving your Form 16, you must go through it thoroughly to check for errors. Here are key things to verify:

  • Confirm your name, PAN, and salary figures are correct.

  • Make sure the TDS deducted matches what is shown in your payslips and Form 26AS.

  • Check that exemptions (like HRA) and deductions (like under Section 80C, 80D) are reported correctly.

  • Verify that income under ‘Other Sources’ is accurately recorded if declared.

If you spot any mistakes, contact your HR or finance team immediately. The employer will need to correct the error by filing a revised TDS return. Once that’s done, they will issue a corrected version of Form 16.

Also, ensure that the digital signature on your Form 16 is valid. An invalid or missing signature can lead to issues when filing your return. Always download and store your Form 16 safely for future reference, even after filing your ITR.

Having organised financial documents like Form 16 not only simplifies tax filing but also makes it easier to apply for major financial products like home loans. When you're ready to take the next step towards homeownership, Bajaj Finserv provides hassle-free home loan solutions with approval in just 48 hours*. Check your eligibility now and take the first step towards your dream home. You may already be eligible, find out by entering your mobile number and OTP.

Popular calculators for your financial calculations

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Conclusion

Filing income tax returns is important, whether or not your income falls within the taxable slab. Form 16 simplifies this process by giving you a ready record of your earnings and taxes already paid. Most employers issue this certificate on their own and also keep copies for employees. If you do not receive it, you can request assistance from your organisation’s accounts or finance department. Having Form 16 ensures you can meet deadlines for filing your returns, avoid penalties, and claim deductions correctly. Keeping this document handy is a responsible way to manage your finances each year.

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Frequently asked questions

When is Form 16 usually issued?
Form 16 is usually issued by employers to their employees once the TDS on salary for a financial year is deducted and deposited with the government. It's typically issued at the end of a financial year or around the beginning of the new financial year.
Can I download Form 16 directly from the Income Tax Department website?
No, you can't download Form 16 directly from the Income Tax Department website. This certificate is issued by your employer and can be downloaded from the TRACES website if your employer has uploaded the TDS details there.
What should I do if I cannot find my Form 16 online?
If you cannot find your Form 16 online, you should contact your employer, as they are responsible for providing it.
Is there a specific format for Form 16?
Yes, there is a specific format for Form 16. It is divided into two parts, Part A and Part B. Part A contains details about the employer and the TDS deducted and deposited, and Part B details the break-up of salary and deductions.
Can I download Form 16 for previous years?
Yes, you can download Form 16 for previous years. The TRACES site provides an option to download Form 16/16A for the last seven years.
What information do I need to download Form 16?
To download Form 16, you would typically need your employer's TAN number, your PAN card number and details about the assessment year. Also, your employer must have uploaded the TDS certificate on the TRACES website.
How can I get my Form 16?

Form 16 is issued directly by your employer if tax has been deducted from your salary. You cannot download it from the government’s website. Even if you’ve left your job, your former employer is required to provide you with Form 16 for the time you were employed.

I don’t have Form 16. How do I file my return?

If you haven’t received Form 16, you can still file your tax return using your salary slips, Form 26AS, and AIS. These documents give details of your income and taxes paid. Make sure the data matches across all sources before submitting your ITR.

These alternative income documents are also valuable when applying for financial products like home loans. Bajaj Finserv accepts various income proofs to evaluate your loan eligibility, making the process convenient even without Form 16. Check your loan offers with Bajaj Finserv to explore competitive home financing options. You may already be eligible, find out by entering your mobile number and OTP.

Is my employer required to issue Form 16 if no TDS was deducted?

No. Form 16 is only issued if tax was deducted from your salary. If there’s no TDS, the employer is not legally required to issue Form 16, though some still do as a good practice.

When does TDS apply and must a certificate be issued?

TDS is deducted when your taxable income exceeds the exemption limit. As per law, if TDS is deducted, the employer must issue a certificate—Form 16—showing tax deducted and paid to the government.

I didn’t get Form 16. Does that mean I don’t need to pay tax or file a return?

Not necessarily. If your total income exceeds the tax-free limit, you must still pay tax and file your return—even without Form 16. The responsibility for tax payment lies with you, not your employer.

Being responsible with tax compliance also reflects positively when applying for loans or other financial products. If you're considering purchasing a home, having a clear tax history strengthens your loan application with lenders like Bajaj Finserv. Check your eligibility for a home loan from Bajaj Finserv and discover affordable EMI options. You may already be eligible, find out by entering your mobile number and OTP.

Can I get Form 16 from the TRACES portal directly?

No, employees cannot download Form 16 from the TRACES portal. Only employers have access to it. You must collect Form 16 directly from your employer once they’ve downloaded it from TRACES.

How can an employer download Form 16 from TRACES?

The employer can log in to the TRACES portal using their credentials, download Form 16 after filing their TDS returns (Form 24Q), and then issue it to the employee. The form should be digitally signed.

How do I open my Form 16?

Form 16 is usually password-protected. To open it, enter the first five characters of your PAN (in capital letters) followed by your date of birth in DDMMYYYY format. For example, ABCDE01011990.

What happens if the employer doesn’t give Form 16 on time?

If the employer delays issuing Form 16 past the due date of 15 June, they may be fined Rs. 100 for each day of delay until it is provided to the employee.

What’s the difference between Form 16 and Form 16A?

Form 16 is issued for TDS on salary income, while Form 16A is for TDS on other incomes like interest from fixed deposits, rent, or commission. Both are proof that tax has been deducted at source.

Are Form 16 and Income Tax Return the same?

No. Form 16 is a certificate showing TDS on salary issued by the employer. An Income Tax Return (ITR) is a document you file with the tax department to report your total income and taxes paid.

What should I do if Form 16 has errors?

If your Form 16 has any mistakes, report them immediately to your HR or accounts team. The employer can file a corrected TDS return and issue a revised Form 16 with accurate information.

How long does it take to get Form 16?

Form 16 should be issued by employers by 15 June of the following financial year. For FY 2024-25, this means you should receive it no later than 15 June 2025, assuming TDS was deducted.

How can I check if my Form 16 is genuine?

Check that Form 16 is digitally signed by your employer. Also verify your name, PAN, and tax details. A valid digital signature confirms that the form has not been tampered with after being issued.

Is it mandatory for employers to issue Form 16?

Yes, it is mandatory if tax has been deducted from an employee’s salary. Employers must issue Form 16 under the Income Tax Act. It helps employees in accurate filing of their tax returns.

What is a digital Form 16?

Digital Form 16 is the electronic version of the TDS certificate, generated through the TRACES portal. It includes salary details, deductions, and taxes. It is usually shared as a password-protected PDF with a digital signature.

When will Form 16 be available for FY 2024-25 (AY 2025-26)?

Form 16 for FY 2024-25 will be available by 15 June 2025. If your employer deducted TDS, they must issue the form to you by this date for use in your ITR filing.

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