TDS (Tax Deducted at Source) is the amount your employer deducts from your salary before it even hits your account—and deposits it with the government.
But in July 2025, the government rolled out revised TDS rules that are leaving many salaried professionals scratching their heads.
Whether it’s higher deductions, new sections, or Form 12BB confusion, don’t worry—we’re simplifying it all for you.
⚠️ What’s New in TDS Rules (July 2025 Update)
📌 Key Changes You Should Know:
Increased TDS for employees not opting for the new tax regime
Higher deductions for those who haven’t updated PAN or Aadhaar
Form 12BB now mandatory for declaring all deductions and exemptions
Mismatch in declared vs actual deductions? You’ll face additional TDS at year-end
TDS on perks, bonuses, and stock options is being more strictly enforced
In short, if you’re not keeping your documentation and declarations in order, you may see more money deducted from your monthly salary.
🧮 How TDS Impacts Your Monthly Salary
| Component | Before (2024) | Now (2025 Update) |
|---|---|---|
| Standard Deduction | ₹50,000 | Same |
| HRA / LTA / 80C Claims | Allowed via Form 12BB | Strict documentation needed |
| TDS on Stock Benefits | Leniently enforced | Strictly applicable |
| TDS on Bonus/Perks | Quarterly basis | Monthly basis |
Missed your declarations or not clear which tax regime to choose?
TDS could increase—causing surprise salary drops.
🧠 New Tax Regime vs Old Regime: Which One Helps Reduce TDS?
| Tax Regime | Lower Slabs | Allows Deductions | Best For |
|---|---|---|---|
| New | Yes | No | Low investment people |
| Old | No | Yes (80C, HRA, etc.) | High savers/investors |
🔁 You can switch every financial year—but it must be declared early or your employer may default to the new regime.
🧰 How Vizzve Finance Can Help Salaried Employees Stay in Control
Confused about TDS every year? Losing salary without knowing why?
Vizzve makes your income smarter:
💼 With Vizzve You Get:
🧾 TDS estimator tool to plan salary inflow better
📃 Help with Form 12BB & declaration filing
💡 Guidance on choosing the right tax regime for your goals
🪙 Micro-loans for salary shortages caused by sudden TDS deductions
📊 Budgeting tools to track net salary vs deductions in real-time
FAQs
Q1: What if my employer deducted excess TDS?
You can claim a refund while filing ITR—but why wait months? Vizzve can bridge the gap instantly with smart micro-credit.
Q2: Do I need to submit proofs every month?
No—but it’s wise to declare early, and submit proofs before Q4 to avoid year-end TDS spike.
Q3: Can I switch between new and old tax regimes mid-year?
No, once chosen with your employer for the FY, you can only switch at the next financial year start.
Final Word
Don’t let complex TDS rules eat into your peace of mind—or your monthly income.
With Vizzve by your side, you can understand, plan, and navigate every tax twist like a pro.
📅 July is here—get your declarations sorted now.
Published on : 8th July
Published by : SMITA
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