JAIIB · AFM · Chapter 29

TDS - Tax Deducted at Source (Taxation: Income Tax / TDS / Deferred Tax)

Chapter notes, video classes, MCQ practice tests and quick-revision one-liners for Accounting and Financial Management for Bankers — JAIIB.

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Q

From FY 2023-24, which tax regime is default for individuals/HUFs?

A

New Tax Regime under Section 115BAC; opt-out required for Old Regime.

Q

Which Chapter VIA deductions are permitted under New Tax Regime Section 115BAC?

A

NPS employer contribution 80CCD(2), Agniveer Corpus 80CCH, family pension standard deduction only.

Q

What is Section 87A rebate amount under New Tax Regime for FY 2025-26?

A

₹60,000; makes income up to ₹12,00,000 tax-free for residents.

Q

What is break-even gross salary for zero tax under New Regime with Standard Deduction?

A

₹12,75,000 (including ₹75,000 Standard Deduction for salaried/pensioners).

Q

What are New Tax Regime slabs for FY 2025-26 above ₹20 lakh?

A

25% (₹20–24L), 30% above ₹24L.

Q

Under Section 115BAA, what is concessional rate for domestic companies and effective tax?

A

22% base rate; effective 25.17% with surcharge 10% and cess 4%.

Q

Is Section 115BAA corporate tax option reversible once opted?

A

No; option is irreversible and cannot be withdrawn after opting.

Q

Under Section 115BAB, what is concessional rate and effective tax for new manufacturing companies?

A

15% base rate; effective 17.16% with surcharge and cess.

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