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 ...
10+ Easy Money Saving Tips India: How to Save ₹10k/Year with Small Habits 💡 The Math: Saving just ₹28/day = ₹10,000+/year. The Blueprint: Saving money in India isn't about starvation; it's about optimization. By reducing food delivery, auditing subscriptions, and eliminating "laziness taxes," you can hit that ₹10,000 goal without cutting essentials. Small daily micro-habits add up quickly to huge yearly savings. Does your salary or pocket money vanish by the 25th? You aren't alone. A recent survey by RBI initiatives on financial literacy identifies a lack of budgeting as the primary cause of financial stress. We reviewed hundreds of budgets. The verdict? The "Money Leak" isn't one big purchase; it's the silent accumulation of small fees. In This Guide: 1. Quick Wins Summary 2. How Much Should You Save? 3. The Subscription Audit ...