How to Download Your TDS Certificate Online: A Simple Guide

Learn how to easily download your TDS certificate online with our simple step-by-step guide, making your tax documentation quick and hassle-free.
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4 min
23-June-2025

Managing your taxes becomes a lot easier when you have the right documents in hand—starting with your TDS certificate. Whether you're a salaried employee, a freelancer, or someone earning from investments, downloading your TDS certificate is a key step in staying tax-compliant and financially sorted.

Thanks to digital portals like TRACES and services offered by leading banks, getting your TDS certificate online is now fast and hassle-free.

What is a TDS Certificate?

A TDS (Tax Deducted at Source) certificate is a document issued by the person or institution deducting the tax (called the deductor). It proves that tax has been deducted from your income and deposited with the government.

There are two main types:

  • Form 16: Issued by employers to salaried individuals.
  • Form 16A: Issued for non-salary income like interest, rent, or professional fees.

These forms include important details like your PAN, the deductor's TAN, amount paid, and the tax deducted. You’ll need them while filing your Income Tax Return (ITR) or claiming tax credits.

How to download your TDS certificate from TRACES

Here’s a step-by-step guide to download your TDS certificate (Form 16 or 16A) from the TRACES portal:

  1. Go to TRACES: Visit https://www.tdscpc.gov.in.
  2. Login: Use your User ID (usually PAN), password, and CAPTCHA to log in.
  3. Click on ‘Downloads’: Choose “Form 16/16A”.
  4. Select Details: Choose the financial year, quarter, and form type.
  5. Submit Info: Review and confirm your details.
  6. Authenticate: Enter your Authentication Code or Challan Details.
  7. Proceed: Fill the copy authentication code and proceed.
  8. Wait for Processing: Your request may take 1–2 days.
  9. Download: Visit ‘Requested Downloads’, enter your request number, and download the certificate.

Make sure your PAN is correctly linked to avoid errors.

Who is Responsible for Deducting TDS?

TDS is deducted by the entity making the payment. This includes:

  • Employers (for salary payments)
  • Banks and NBFCs (for interest)
  • Companies and firms (for professional services, rent, etc.)
  • Individuals/HUFs (subject to audit under the IT Act)

The deducted amount must be deposited with the government, and the deductor is required to issue a TDS certificate to the recipient.

This system ensures that taxes are collected in advance, and your TDS certificate is the key proof that tax has been paid on your behalf.

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Why Your TDS Certificate Matters

Your TDS certificate helps you:

  • Accurately file your Income Tax Return
  • Claim tax credits for the tax already deducted
  • Maintain transparency in your financial records

It is good practice to check and download your certificate after each financial year or quarter—especially if you have multiple income sources like salary, freelancing, or interest on FDs.

Planning finances post-tax? Consider parking your savings in a high-yield FD for low-risk, fixed returns.
Explore FD options offered by Bajaj Finance and get interest of up to 7.30% p.a.

Also Read: How much tax is deducted on FD

Conclusion

Your TDS certificate is more than just a tax document—it’s an essential part of your financial toolkit. Whether it’s Form 16 from your employer or Form 16A from your bank, keeping it handy helps you stay compliant and confident during ITR season.

Make downloading it from the TRACES portal or your bank’s NetBanking platform a regular habit. And while you’re at it, consider putting your post-tax income to work with a Fixed Deposit that offers guaranteed returns, no market risk, and flexible tenures. 

Income Tax Sections & Saving Tips

Section 80C of Income Tax Act

Section 80CCC of Income Tax Act

Taxation

Post office tax saving scheme

What is cess on income tax

Marginal rate of tax

Deferred tax liability

Exempt exempt exempt in income tax

Exemptions under new tax regime

How to save tax for salary above 10 lakh

How to save tax for salary above 20 lakh

How to save tax for salary above 30 lakh

How to save tax for salary above 50 lakh

How to save tax for salary above 9 lakh

How to avoid tax on savings account interest

Frequently asked questions

How can I download my TDS certificate online?
To download your TDS certificate online, visit the TRACES portal and log in with your credentials. Select ‘Downloads’, then choose Form 16 or 16A. Enter relevant details like financial year and quarter. Submit the request and download the certificate once available. Many banks, like HDFC, also allow certificate downloads through their NetBanking platforms.

How to check TDS certificate by PAN number?
To check your TDS certificate using your PAN, log in to the Income Tax Department’s e-filing portal or the TRACES portal. After logging in, go to ‘View Form 26AS’. This form shows all TDS entries against your PAN, summarising who deducted tax and when. Cross-check this with your actual TDS certificate to ensure all details match.

How long does it take to get a TDS certificate?
Once the deductor files the TDS return and the data is processed by the Income Tax Department, the certificate becomes available on the TRACES portal. Typically, it takes 1 to 2 days for Form 16A to be downloadable after authentication. For salaried individuals, employers usually issue Form 16 annually by 15th June of the assessment year.

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