What is the purpose of Form 15H?

Form 15H allows senior citizens (60 years or older) to request that TDS be **not deducted** on interest income when their total taxable income is below the specified thresholds.

Can I use Form 15H if I am below 60 years?

No. Individuals under 60 should use Form 15G, which serves the same purpose for younger taxpayers.

Do I need to submit Form 15H every financial year?

Yes. The declaration is valid only for the financial year in which it is submitted. A new Form 15H must be provided each year you wish to claim the exemption.

What if my interest income exceeds ₹50,000?

If interest exceeds ₹50,000, the bank will automatically deduct TDS unless you submit a valid Form 15H before the interest is credited.

Is an electronic signature accepted?

Most banks accept an electronic signature entered via the Formize PDF Filler. If your bank requires a handwritten signature, print, sign, and scan the completed form.

Can I submit Form 15H online to the Income‑Tax Department?

Form 15H is submitted to the **bank or post‑office** where the interest is credited, not directly to the Income‑Tax Department.

What happens if I submit an incorrect PAN?

The bank will reject the form and may still deduct TDS. Ensure the PAN matches the one on your PAN card.

Do I need to attach any supporting documents?

Generally no. The form itself is sufficient, but keep your interest statements handy in case the bank requests verification.

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

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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:

Enter your name, PAN, and address as they appear on your PAN card.
Provide your bank account details where the interest is credited.
Declare the total interest earned and confirm it is within the eligible limit.
Sign electronically (or print, sign, and scan if you prefer a hard copy).
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.

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FAQ

What is the purpose of Form 15H?
Form 15H allows senior citizens (60 years or older) to request that TDS be **not deducted** on interest income when their total taxable income is below the specified thresholds.
Can I use Form 15H if I am below 60 years?
No. Individuals under 60 should use Form 15G, which serves the same purpose for younger taxpayers.
Do I need to submit Form 15H every financial year?
Yes. The declaration is valid only for the financial year in which it is submitted. A new Form 15H must be provided each year you wish to claim the exemption.
What if my interest income exceeds ₹50,000?
If interest exceeds ₹50,000, the bank will automatically deduct TDS unless you submit a valid Form 15H before the interest is credited.
Is an electronic signature accepted?
Most banks accept an electronic signature entered via the Formize PDF Filler. If your bank requires a handwritten signature, print, sign, and scan the completed form.
Can I submit Form 15H online to the Income‑Tax Department?
Form 15H is submitted to the **bank or post‑office** where the interest is credited, not directly to the Income‑Tax Department.
What happens if I submit an incorrect PAN?
The bank will reject the form and may still deduct TDS. Ensure the PAN matches the one on your PAN card.
Do I need to attach any supporting documents?
Generally no. The form itself is sufficient, but keep your interest statements handy in case the bank requests verification.

HOW TO

How to fill out Form 15H for free, online in 5 easy steps:

1
Click the Fill‑out Button
Press the "Fill out this form" button on the page. The Formize PDF Filler loads instantly in your browser.
2
Enter Your Details
Provide your name, PAN, address, bank account number, and total interest earned as prompted.
3
Verify Income Limits
The filler will automatically check that your total taxable income is within the ₹3 Lakh or ₹5 Lakh limits based on age.
4
Add Your Signature
Use the electronic signature tool or upload a scanned signature image.
5
Submit or Download
Send the completed form directly to your bank via their portal, or download the PDF for manual submission.

ABOUT

Tax forms

Form 15H is one of Tax forms that are documents used to report information about an individual's or business's income, deductions, and tax liability to the relevant tax authority. These forms are necessary to comply with tax laws and fulfill tax obligations. Tax forms vary depending on the country and the specific tax requirements in place. Here are some common types of tax forms:

Individual Tax Forms: These forms are used by individual taxpayers to report their personal income and claim deductions, credits, and exemptions. Examples include the 1040 form in the United States or the Self-Assessment Tax Return form in the United Kingdom.

Business Tax Forms: Business tax forms are used by companies, partnerships, or self-employed individuals to report their business income, expenses, and other tax-related information. Examples include the Schedule C form (Profit or Loss from Business) in the United States or the CT600 form (Company Tax Return) in the United Kingdom.

Payroll Tax Forms: These forms are used by employers to report the wages, salaries, and taxes withheld from their employees' paychecks. Examples include the W-2 form in the United States or the P60 form in the United Kingdom.

Sales Tax Forms: Sales tax forms are used by businesses to report and remit sales tax collected on taxable goods or services. The specific sales tax forms vary by jurisdiction.

Value Added Tax (VAT) Forms: VAT forms are used in countries that impose a value-added tax to report and remit VAT collected on sales and claim VAT credits for purchases. Examples include the VAT return forms used in many countries.

Estimated Tax Forms: Estimated tax forms are used to report and pay estimated taxes on income that is not subject to withholding, such as self-employment income or investment income.

These are just a few examples of the numerous tax forms that may exist. The specific forms required depend on the tax laws and regulations in your country or jurisdiction. It is important to consult the tax authority's guidelines or seek professional advice to determine which forms are applicable to your situation.

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