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  5. Jaipur
Tax

TDS Calculator — Jaipur FY 2025-26

Tax Deducted at Source (TDS) in Jaipur (Rajasthan) applies to salary income (Section 192), FD interest at 7% above Rs 5.7L principal (Section 194A), rent above Rs 1.4L/year (Section 194-I), and property purchases above Rs 50L (Section 194-IA). Salary TDS at the average Rs 6.0L CTC: approximately Rs 0/month under the new regime.

Verified Formula|Source: Income Tax Department, Government of India|Last verified: April 2026Methodology

TDS Details

PAN Available

Related Calculators

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TDS Rate

10%

TDS Amount

₹50,000

Net Receivable

₹4,50,000

Annual TDS

₹6,00,000

Section 194A

TDS on Interest other than securities (FD, RD, etc.)

Threshold: ₹50,000 — TDS applies only if payment exceeds this limit.

TDS Computation

Gross Amount₹5,00,000
TDS @ 10% (Section 194A)- ₹50,000
Net Receivable₹4,50,000
Annualized TDS (x12)₹6,00,000

TDS Breakdown

TDS Rate Chart — Key Sections

SectionNature of PaymentTDS RateThreshold
192SalarySlab rateBasic exemption limit
194AInterest on FD/RD10%Rs 40,000 (Rs 50,000 for seniors)
194I(a)Rent — Plant/Machinery2%Rs 2,40,000 p.a.
194I(b)Rent — Land/Building10%Rs 2,40,000 p.a.
194JProfessional/Technical Fees10%Rs 30,000 p.a.
194HCommission/Brokerage5%Rs 15,000 p.a.
194IAProperty Sale1%Rs 50,00,000
194CContractor Payments1% / 2%Rs 30,000 (single) / Rs 1,00,000 (aggregate)
194BLottery / Game Show Winnings30%Rs 10,000
194NCash Withdrawal2% / 5%Rs 1 Cr (filers) / Rs 20L (non-filers)

Verify Your TDS on Form 26AS

All TDS deducted by payers is reflected in your Form 26AS (Annual Tax Statement), available on the Income Tax e-filing portal. Cross-verify the TDS amounts before filing your return to claim accurate credit and avoid mismatches.

TDS in Jaipur: Complete Section-by-Section Guide for FY 2025-26

Tax Deducted at Source (TDS) is how the Indian government collects income tax at the point of payment rather than waiting for annual return filing. For Jaipur (Rajasthan) residents, TDS arises across multiple income streams — salary from employers in the MI Road / Tonk Road IT Corridor area, FD interest from Jaipur bank branches, rent payments in localities like Vaishali Nagar and Mansarovar, and property transactions. Understanding which TDS sections apply — and when — prevents compliance gaps and interest charges. Rajasthan has zero professional tax — Jaipur professionals pay Rs 0/year vs Rs 2,500 in Mumbai. Jaipur is unique in India for having a gems and jewellery sector that accounts for 25% of its GDP — meaning a significant portion of high-net-worth wealth is held in physical gold and precious stones, not financial instruments.

Section 192 — TDS on Salary in Jaipur

Employers in Jaipur — including Infosys, Genpact, WNS— must deduct TDS on salary under Section 192 every month. The deduction is based on the employee's estimated full-year tax liability divided by 12. Key points:

  • New regime (default from FY 2023-24): For the Jaipur average salary of Rs 6.0L, new regime TDS is approximately Rs 0/month (Rs 0/year).
  • Old regime: If you declare old regime with HRA exempt Rs 96,000/year + 80C Rs 1.5L + 80D Rs 25K + NPS Rs 50K, monthly TDS drops significantly. Submit Form 12BB by April with investment proofs and rent receipts.
  • Form 12BB submission: Submit to your Jaipuremployer with rent receipts (landlord PAN if rent > Rs 1L/year), investment proofs, and home loan interest certificate. This reduces monthly TDS to match your actual liability.
  • No PAN penalty: If no PAN is on record, TDS is deducted at 20% instead of applicable slab rates — a significant cost for new employees or those with PAN issues.

Section 194A — TDS on FD Interest in Jaipur

Banks in Jaipur offer FD rates averaging 7% per annum. TDS under Section 194A is deducted at 10% when annual interest from a single bank branch exceeds:

  • Rs 40,000 for individuals below 60 years (general threshold)
  • Rs 50,000 for senior citizens (60 years and above)

At Jaipur's average FD rate of 7%, the principal amounts that trigger TDS:

  • For general individuals: Rs 5.7L FD generates Rs 40,000/year interest — TDS applies above this.
  • For senior citizens: Rs 7.1L FD generates Rs 50,000/year interest — TDS applies above this.
  • On a Rs 10L FD at 7%: annual interest is Rs 70,000, TDS deducted is Rs 7,000/year (10%).
  • On a Rs 5L FD at 7%: annual interest is Rs 35,000, TDS deducted is Rs 3,500/year (10%).

Avoid TDS using Form 15G/15H: If your total income is below the basic exemption limit (Rs 2.5L old regime, Rs 4L+ new regime), submit Form 15G (below 60 years) or Form 15H (60+ years) to your Jaipur bank branch at the start of each financial year. This prevents TDS deduction entirely. Note: Form 15G/15H is a self-declaration — do not submit it if your income exceeds the taxable limit.

Section 194-I and 194-IB — TDS on Rent in Jaipur

Rent TDS in Jaipur depends on who is paying the rent:

  • Section 194-I (Companies / Firms / HUFs): TDS at 10% if annual rent exceeds Rs 2,40,000. With Jaipur rents at Rs 12,000/month (Rs 1,44,000/year), this threshold is not crossed. TDS applicable: Rs 0/year (10% on Rs 1,44,000).
  • Section 194-IB (Individuals / HUFs not subject to tax audit): TDS at 5% if monthly rent exceeds Rs 50,000. Jaipur average 2BHK rent is Rs 12,000/month — this does not exceed Rs 50,000/month, so individual tenants are NOT required to deduct TDS under 194-IB. Only companies/firms/HUFs above the 2.4L annual threshold need to comply.

Landlord implications: If TDS is deducted on your Jaipur rental income, the amount appears in your Form 26AS and can be claimed as credit when filing your ITR. Annual rental income from a 2BHK at Rs 12,000/month is Rs 1,44,000— taxable as "Income from House Property" after a standard 30% deduction and municipal taxes. The net taxable rental income is approximately Rs 1,00,800.

Section 194-IA — TDS on Property Purchase in Jaipur

When you purchase property in Jaipur costing more than Rs 50 lakh, the buyer must deduct TDS at 1% of the property value under Section 194-IA. At Jaipur's average price of Rs 4,500/sqft:

  • A 750 sqft flat costs approximately Rs 33.8L. This is below Rs 50L — TDS under 194-IA does not apply. No deduction required by the buyer.
  • Form 26QB compliance: Buyer files Form 26QB online on the IT portal, pays TDS, and provides Form 16B (TDS certificate) to the seller. This is in addition to stamp duty (6% = Rs 2,02,500) and registration charge (1% = Rs 33,750) in Rajasthan.
  • Seller's view: The 1% TDS deducted by the buyer appears in the seller's Form 26AS and is offset against the seller's capital gains tax liability when filing ITR. If capital gains tax is lower than 1% of sale value, the surplus TDS is refunded.

Section 194J — TDS on Professional Fees in Jaipur's Services Economy

Jaipur's thriving Tourism sector generates substantial professional fee payments. Under Section 194J, TDS applies at:

  • 10% for professional services (lawyers, doctors, chartered accountants, consultants) — applicable when total fees from one payer exceed Rs 30,000/year.
  • 2% for technical services and call centres — a rate specifically relevant for Jaipur's IT services and ITES companies.

Freelancers and independent consultants in Jaipur's MI Road / Tonk Road IT Corridor district earning Rs 30,000+ from a single client must ensure their clients deduct TDS correctly. The TDS certificate (Form 16A) should be collected quarterly and cross-checked with Form 26AS before ITR filing.

TDS Refund: How Jaipur Taxpayers Get Excess TDS Back

TDS refunds are common for Jaipur professionals who:

  • Claimed HRA, 80C, and 80D deductions but employer over-deducted TDS based on a conservative estimate (a frequent issue in mid-year job changes or regime switches).
  • Paid excess TDS on FD interest but their total income is below the taxable threshold — should have submitted Form 15G/15H.
  • Sold Jaipur property where buyer deducted 1% TDS (194-IA) but actual LTCG tax (at 12.5% after exemptions) was lower.

File your ITR by 31 July 2026 (FY 2025-26, without audit) and e-verify within 30 days. The Income Tax Department typically processes TDS refunds for e-verified returns within 20-45 days, directly to your bank account. Jaipur's gold and jewellery trade drives unique investment patterns — SGB (Sovereign Gold Bond) adoption is among the highest here, alongside growing SIP culture in the IT corridor.

Disclaimer

TDS rates and thresholds are based on the Income Tax Act as applicable for FY 2025-26. TDS at 20% applies when PAN is not available. DTAA provisions may alter rates for non-residents. Rent TDS amounts are based on Jaipur average 2BHK rents and may differ significantly for other property types. Property values are approximate. Consult a tax practitioner in Jaipur for specific TDS compliance requirements.

Frequently Asked Questions — TDS in Jaipur

How much TDS is deducted from salary in Jaipur for a Rs 6.0L CTC?

Under the new regime (default), estimated monthly salary TDS for Rs 6.0L CTC in Jaipur is approximately Rs 0(Rs 0/year). Under the old regime with full deductions declared, the TDS could be significantly lower. Submit Form 12BB to yourJaipur employer at the start of the year with your regime preference, rent receipts, and investment proofs to ensure accurate monthly TDS deduction and avoid a large lump-sum payment or refund at year end.

Does my Jaipur landlord need to pay TDS on the rent they receive from me?

It's the tenant, not the landlord, who deducts and deposits TDS on rent. If you are an individual renting a property in Jaipur at Rs 12,000/month and your monthly rent exceeds Rs 50,000, you must deduct 5% TDS on the total rent paid in March under Section 194-IB and file Form 26QC online. The landlord then receives a lower rent and can claim the TDS credit in their ITR. If your Jaipur rent is below Rs 50,000/month, individual tenants are exempt from TDS obligation (though company/firm tenants must check the Rs 2.4L annual threshold under 194-I).

At what FD size does TDS kick in for Jaipur banks at 7% interest?

At 7% annual FD rate (typical for major Jaipur banks), TDS is deducted when interest from a single bank branch exceeds Rs 40,000/year. This triggers at an FD principal of Rs 5.7L or more. For senior citizens, the threshold is Rs 50,000 (FD principal threshold: Rs 7.1L). If you split your FDs across multiple banks in Jaipur, each branch applies the Rs 40,000 limit independently — though Form 26AS will reflect all TDS deducted. To avoid TDS if your total income is below the taxable limit, submit Form 15G (or 15H for seniors) at each bank branch at the start of the financial year.

I am buying a property in Jaipur above Rs 50L. How do I pay TDS?

As the buyer of a Jaipur property above Rs 50L, you must deduct 1% TDS from the payment to the seller and deposit it via Form 26QB on the Income Tax Department portal within 30 days of deduction. After depositing, download Form 16B from the TRACES portal and hand it to the seller. If the property is worth Rs 33.8L (750 sqft at Rs 4,500/sqft), TDS is Rs 0 (1%). This is separate from stamp duty (Rs 2,02,500 at 6%) and registration (Rs 33,750 at 1%) paid to Rajasthan state government. Non-compliance attracts interest at 1.5%/month and a penalty equal to the TDS amount.

Jaipur's TDS landscape is shaped by its unique blend of tourism, handicraft exports, gem and jewelry trade, and growing IT sector. The dominant TDS themes: TDS on heritage hotel management fees and luxury tourism payments (Section 194C and 194J in Jaipur's Rs 5,000-crore hospitality economy); TDS on gem cutting and artisan job work payments (Section 194C for Jaipur's gem polishing, Meenakari, and Kundan artisan economy); TDS on tour operator commission payments (Section 194H at 5% on commission paid by hotels to DMOs and tour operators); TDS on IT services and software development payments in Jaipur's expanding IT corridor at Sitapura and Malviya Nagar (Section 194J and 194C); and TDS on salaries for Jaipur's manufacturing and export sector workforce. Rajasthan's large government procurement economy (RUIDP, RIDCOR, JVVNL, Jaipur Metro) creates Section 194C contractor TDS for civil contractors. Jaipur's traditional Marwari business community maintains TDS compliance primarily through partnerships and proprietorships managed by family CAs — creating both efficiency (shared CA relationships) and risk (single-point failure if CA is non-compliant). The Section 194Q buyer TDS for Jaipur's large gem and jewelry export houses creates a specialized compliance stream.

Key Insight — Jaipur

Jaipur's defining TDS insight is the gem and jewelry artisan TDS challenge — virtually identical to the GST ITC artisan gap but on the income tax side. Jaipur's large gem export houses (Rajasthan's gem exports are Rs 20,000+ crore annually) pay hundreds of artisans for gem cutting, polishing, Meenakari enamelwork, and Kundan stone setting. Section 194C TDS threshold: if any SINGLE artisan receives more than Rs 1L cumulative in a financial year from the same payer, TDS at 1% is mandatory. The practical reality: a top Jaipur gem exporter pays 300 artisans. Of these, 120 artisans earn Rs 1.5-3L annually from this single exporter (above the Rs 1L threshold). TDS obligation: 1% × Rs 1.5-3L per artisan × 120 artisans = Rs 1,800-3,600 TDS per artisan, Rs 2.16L-4.32L total TDS annually. The PAN problem: many artisans (particularly older, rural, and less educated craftspeople) do NOT have PAN. Without PAN: Section 206AA mandates 20% TDS instead of 1%. On Rs 2L artisan payment: 20% TDS = Rs 40,000 vs Rs 2,000 at 1%. This creates a 20x TDS burden that the artisan refuses to bear (reducing their take-home pay from Rs 2L to Rs 1.6L). Exporter's dilemma: deduct 20% (legally correct without PAN) → artisan refuses work and goes to competitor. Don't deduct (non-compliant) → exporter is 'assessee in default.' Practical solution that Jaipur exporters have adopted: PAN application drive for all artisans (form filling assistance, document collection), facilitated by Gem & Jewellery Export Promotion Council (GJEPC). Once artisans have PAN: TDS at 1%, manageable for both parties. GJEPC has run pan-India artisan PAN camps in Jaipur specifically to resolve this compliance challenge.

Jaipur's Financial Context and TDS Calculator

Rajasthan resident TDS jurisdiction: income tax CIT-Jaipur. Section 194C: artisan job work (gem cutting, Meenakari, block print): 1% individual or 2% company. Section 194H: 5% TDS on commissions paid to tour operators by hotels, and on trade commissions in jewelry export. Section 194J: 10% on professional fees paid to lawyers, architects, management consultants. 2% on technical services. Section 194I: 10% on commercial office/retail space rent >Rs 2.4L/year. Section 194IA: property purchase >Rs 50L: 1% buyer TDS. Section 194IB: individual tenant >Rs 50,000/month residential rent: 5% annual TDS (no TAN, Form 26QC). Section 194Q: large Jaipur gem exporters (turnover >Rs 10Cr) buying gems from suppliers: 0.1% TDS on purchases >Rs 50L. Jaipur Metro Corporation: government TDS deductor under Section 194C. RIICO industrial estate: Section 194C for contractors. Section 194N: cash withdrawal >Rs 1Cr TDS at 2% — relevant for jewelry trade. Section 194DA: LIC/insurance maturity TDS at 1% for taxable policies. Section 206C(1H): Jaipur gem exporters with turnover >Rs 10Cr: TCS 0.1% on sales >Rs 50L (or TDS 194Q if buyer eligible). TAN mandatory.

Heritage Tourism TDS — Hotel Commission, Tour Operator Payments, and DMO Compliance

Jaipur's heritage tourism economy (Taj Rambagh Palace, Oberoi Rajvilas, Aman-i-Khas, and hundreds of heritage havelis) creates a multi-layered TDS compliance environment across commission payments, management contracts, and professional service fees. Commission TDS (Section 194H): five-star hotels in Jaipur pay commission to: travel agents (offline) who book rooms → commission TDS at 5%. OTAs (MakeMyTrip, Expedia, Booking.com) → these are technology platforms, not commission agents in the traditional sense — OTA commission TDS is 194H at 5% if the OTA receives commission from the hotel (net rate arrangement) or 194O at 1% if OTA facilitates seller's sale and retains commission from buyer markup. Inbound tour operators (Delhi-based DMOs booking Jaipur tours) → hotels pay commission to DMOs at 5% TDS under 194H. Annual commission payments by a large Jaipur hotel to 50+ travel agents: Rs 5Cr total commissions × 5% = Rs 25L TDS. Professional fee TDS (Section 194J): hotel management company (ITC Hotels managing a Jaipur heritage property): management fee = 10% of room revenue. TDS: 10% on management fee (Rs 2Cr management fee → Rs 20L TDS). Tour guide fees: freelance English/German-speaking guides charging Rs 3,000-5,000/day to tour companies. If guide receives >Rs 30K from single tour company: 194J TDS at 10%. Annual guide income Rs 5L from a single DMO → TDS Rs 50K. Guide claims in ITR. Event management fees for destination weddings at Rambagh, Samode: 194J at 10% on event management company's fees from the hotel or wedding organizer.

Section 194Q in Jaipur Gem Export — Large Buyer TDS on Gem Purchases

Jaipur's large gem export houses — those exceeding Rs 10Cr annual turnover — are subject to Section 194Q (buyers' TDS) when purchasing gemstones from resident Indian suppliers. Section 194Q mechanics for gem exporters: If your company's turnover in the preceding year exceeded Rs 10Cr AND you purchase gems (rough/polished) from a resident Indian supplier for more than Rs 50L in the current year: deduct 0.1% TDS on the purchase consideration (the gem value, not GST). Example: Jaipur gem exporter with Rs 25Cr turnover buys Rs 3Cr emeralds from a Jaipur gem merchant annually. 194Q threshold: Rs 3Cr > Rs 50L → TDS: 0.1% × Rs 3Cr = Rs 3,000. Small amount but multiplied across 20 suppliers: Rs 60,000 total TDS. Interaction with Section 206C TCS: if the gem merchant (seller) has turnover >Rs 10Cr and would collect TCS (Section 206C(1H)) at 0.1% on the same sale: when BOTH buyer (194Q) and seller (206C) thresholds are crossed, TDS takes precedence. The buyer deducts 194Q TDS; seller does NOT collect 206C TCS on the same transaction. File Form 26Q for 194Q entries. Issue Form 16A to gem merchant supplier. Gem merchant claims 194Q TDS credit in ITR. The coordination problem: many Jaipur gem merchants are small proprietorships that sell to 10-20 different exporter-buyers, each of whom may be 194Q eligible. The merchant receives 10-20 separate Form 16A certificates from different buyers. They must consolidate all Form 16A data to find total TDS credit — use Form 26AS to verify all credits appear before filing ITR.

More Questions — TDS Calculator in Jaipur

I'm a Jaipur block-print textile exporter paying 200+ artisans for hand-printing. Many don't have PAN. Some earn Rs 80,000/year from me (below threshold). Some earn Rs 1.5L/year (above threshold). How do I manage TDS compliance across this diverse group?

Block-print artisan TDS management — Jaipur exporter practical guide: Categorize your artisans by annual payment from you: Category A — Annual payment ≤ Rs 1,00,000: No TDS deduction required under Section 194C. Even without PAN: no TDS obligation. These artisans are below the cumulative threshold. Category B — Annual payment > Rs 1,00,000: TDS mandatory. Sub-category B1 — Has PAN: deduct 1% TDS on payments above Rs 1L cumulative. Sub-category B2 — No PAN: Section 206AA mandates 20% TDS. This is where the problem lies. For Category B2 artisans (no PAN), your options: Option 1 — Obtain PAN for them: take artisan's Aadhaar + passport photo → apply online at NSDL/UTI portal or via nearest Jaipur PAN facilitation centre. Takes 7-10 days. Once PAN received: 1% TDS, deduct difference from future payments. Option 2 — Structure payments to stay below Rs 1L: if artisan earns Rs 1.1-1.3L from you: negotiate to distribute work such that the same artisan only exceeds Rs 1L threshold in one payment cycle. But: cumulative across the year is what matters — restructuring payments doesn't change the annual total. Option 3 — Formally accept 20% TDS (rarely practical): deduct 20% from all payments to PAN-less artisans over Rs 1L threshold. Artisans will refuse work. Practical recommendation: Run a GJEPC-aligned PAN camp for your artisans — one day in your workshop with Jaipur TIN facilitation centre staff. Get all 200+ artisans' Aadhaar-linked PANs. One-time effort eliminates the 20% TDS problem permanently. After PAN: 1% TDS on Rs 1.5L artisan = Rs 1,500. File Form 26Q quarterly. Artisan claims Rs 1,500 TDS in their ITR (if they file — mandatory if income >Rs 2.5L from all sources).

My Jaipur travel company receives referral commission (10% of tour package value) from Rambagh Palace. Annual commission: Rs 18L. They deduct 5% TDS (Rs 90,000). Do I need to report this income, and can I reduce the TDS?

Travel agency commission income TDS — ITR and Form 13 analysis: The commission income Rs 18L is your BUSINESS INCOME. Rambagh Palace correctly deducts 5% TDS under Section 194H (commission) = Rs 90,000. Your ITR: Report Rs 18L gross commission income as business income. Deductible business expenses: staff salaries, office rent, marketing, travel for scouting, software, commissions paid to sub-agents (these are your own Section 194H TDS obligations to sub-agents). Assume expenses Rs 8L. Net taxable profit: Rs 10L. Tax on Rs 10L (new regime, FY2025-26): 0-4L nil, 4-8L Rs 20K, 8-12L Rs 20K = Rs 40K total (approximately). Less TDS credit: Rs 90,000. Refund: Rs 90,000 - Rs 40,000 = Rs 50,000 REFUND. You're actually OVER-taxed at source. Form 13 Lower Deduction Certificate: since your actual tax rate on profit is only approximately 4% (Rs 40K / Rs 10L profit), while TDS rate is 5% of GROSS commission (Rs 90K on Rs 18L = 5%), you're over-deducted. Apply to Income Tax Assessing Officer for Form 13 certificate reducing TDS to 2% (matching your effective rate). AO will examine: projected P&L, business expenses, prior year ITR. If approved: Rambagh Palace deducts only 2% on future commissions → Rs 36,000 TDS annually → near-perfect match with Rs 40K annual tax. Better cash flow: Rs 54,000 more in monthly receipts vs current over-deduction. For FY2025-26: file ITR, claim Rs 50K refund. From FY2026-27: use Form 13 to reduce TDS upfront.

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