Form 15H – Senior Citizens’ Interest Income Declaration (Fillable PDF)

Form 15H is a declaration under sub‑section (1C) of section 197A of the Income‑Tax Act, 1961. It allows senior citizens (aged 60 years or more) to request that tax be **not deducted at source (TDS)** on interest earned from bank or post‑office deposits, provided they meet certain income thresholds.

Who Can Use Form 15H?

• Resident individuals aged 60 years or above.
• Those whose total taxable income does not exceed the limits set by the Act (₹3 lakhs for ages 60‑79, ₹5 lakhs for 80 years and above).
• Taxpayers who receive interest income from banks, post offices, or cooperative societies.

Eligibility & Income Limits

The Income‑Tax Department defines two income caps:

• Age 60‑79: Taxable income ≤ ₹300,000 per financial year.
• Age 80 and above: Taxable income ≤ ₹500,000 per financial year.

If your interest earnings are below ₹50,000 in a year, you are not required to submit Form 15H – the bank will not deduct TDS automatically.

How to Fill Form 15H Online

Instead of downloading the PDF and editing it locally, simply click the "Fill out this form" button on this page. The Formize PDF Filler app will load in your browser, allowing you to complete the declaration in a few easy steps:

1. Enter your name, PAN, and address as they appear on your PAN card.
2. Provide your bank account details where the interest is credited.
3. Declare the total interest earned and confirm it is within the eligible limit.
4. Sign electronically (or print, sign, and scan if you prefer a hard copy).
5. Submit the form to your bank or download it for manual submission.

Common Mistakes to Avoid

• Entering an incorrect PAN – the bank will reject the form.
• Mis‑calculating total taxable income; always include salary, rent, and other earnings.
• Submitting the form after the interest has already been taxed – it must be given **before** the bank deducts TDS.
• Leaving the "Signature" field blank; an electronic signature is acceptable in most banks.

Download & Save the Fillable PDF

If you prefer a local copy, you can download the official fillable PDF below. The file retains the original layout and can be opened with any modern PDF reader.

Download Form 15H – Fillable PDF

Using Formize’s online filler saves time, reduces errors, and lets you submit the declaration instantly to your bank.