Mastering Form 15G: How Indian students can save their internship stipend from TDS deductions. ⚠️ Disclaimer: Form 15G केवल तभी वैध है जब छात्र की कुल वार्षिक आय करयोग्य सीमा से कम हो। The 10% Heartbreak: Where Did Your First Stipend Go? You worked hard for a month. Your offer letter promised ₹15,000 . You eagerly check your bank account, and you only received ₹13,500 . You just became a victim of TDS (Tax Deducted at Source) . But as a student, do you really have to pay this? Absolutely not. The Truth About Stipend Taxability in India Whether you are doing a high-end corporate gig, running content networks like the Sahityashala Network , or getting paid to write technical analysis for Sahityashala Sports , companies will often treat your internship stipend as a "professional fee." Under Section 194J of the Income Tax Act, companies are mandated to deduct a 10% TDS on professional and technical services. However, if your total ...
In 2026, if you are just "paying" via UPI without getting anything back, you are leaving free money on the table. The days of random scratch cards giving you "Better Luck Next Time" are fading. The new era of digital finance is about guaranteed returns , provided you know which tools to use. Whether you are a student trying to avoid common personal finance mistakes or a professional looking to master your finances step-by-step , optimizing your transaction flow can easily yield ₹300 to ₹1,000 in monthly savings. This guide moves beyond basic advice and dives into high-value strategies like RuPay-on-UPI and merchant-specific codes that actually work. Recommended Read: To maximize your security while earning rewards, make sure you are using the right platforms. Check out our guide on the Best UPI Apps in India for Secure Payments . The Golden Rule: Merchant vs. Personal Transactions To understand how to earn, you must understand how apps make money....