In summary
You can download your TDS certificate from the TRACES portal by selecting the relevant financial year, form type, and authentication details. Salaried employees usually receive Form 16, while Form 16A is issued for non-salary income such as FD interest or freelance payments.
Key things you should know:
- Form 16 is issued for salary income.
- Form 16A is issued for interest, rent, or professional income.
- You need your PAN, login credentials, and authentication details to download the certificate.
- The download request may take 1–2 working days to process.
- Your TDS certificate helps you file ITR accurately and claim tax credits already deducted.
- Banks, employers, companies, and NBFCs can deduct TDS depending on the type of payment.
Keeping your TDS documents organised can help you manage taxes better and plan your savings efficiently. Discover the types of life insurance that match your needs—protection, savings, or investment—to build long-term financial confidence.
What is a TDS certificate?
A TDS certificate is proof that tax has been deducted from your income and deposited with the government by the deductor. You may need this document while filing your Income Tax Return (ITR) or claiming tax credit.
The deductor can be your employer, bank, NBFC, company, or any authorised payer deducting tax under Income Tax rules.
Main types of TDS certificates:
| Form type | Issued for | Issued by |
|---|---|---|
| Form 16 | Salary income | Employer |
| Form 16A | Non-salary income like FD interest, rent, or professional fees | Bank, NBFC, company, or payer |
These certificates usually contain:
- PAN details
- TAN of deductor
- Income paid
- TDS amount deducted
- Deposit details submitted to the government
