{"id":17646,"date":"2022-10-18T18:45:43","date_gmt":"2022-10-18T13:15:43","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=17646"},"modified":"2022-10-18T18:45:43","modified_gmt":"2022-10-18T13:15:43","slug":"axis-bank-tax-saving-fd","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/","title":{"rendered":"Axis Bank Tax Saving FD"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d72c1e9d536\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d72c1e9d536\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/#About_Axis_Bank\" title=\"About Axis Bank\">About Axis Bank<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/#Axis_Bank_Tax_Saver_Fixed_Deposit\" title=\"Axis Bank Tax Saver Fixed Deposit\">Axis Bank Tax Saver Fixed Deposit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/#Axis_Bank_Tax_Saver_Fixed_Deposit_Interest_Rate\" title=\"Axis Bank Tax Saver Fixed Deposit Interest Rate\">Axis Bank Tax Saver Fixed Deposit Interest Rate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/#Eligibility_Criteria_to_open_Axis_Bank_Tax_Saver_FD\" title=\"Eligibility Criteria to open Axis Bank Tax Saver FD\">Eligibility Criteria to open Axis Bank Tax Saver FD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/#Documents_Required_for_Axis_Bank_Tax_Saver_FD\" title=\"Documents Required for Axis Bank Tax Saver FD\">Documents Required for Axis Bank Tax Saver FD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/#Axis_Bank_Tax_Saver_FD_Features_Benefits\" title=\"Axis Bank Tax Saver FD: Features &amp; Benefits:\">Axis Bank Tax Saver FD: Features &amp; Benefits:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/#Axis_Bank_Fixed_Deposit_How_to_Apply\" title=\"Axis Bank Fixed Deposit: How to Apply\">Axis Bank Fixed Deposit: How to Apply<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/#FAQs\" title=\"FAQs\">FAQs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/#How_does_the_Auto_Fixed_Deposit_scheme_facilitate_simple_liquidation\" title=\"How does the Auto Fixed Deposit scheme facilitate simple liquidation?\">How does the Auto Fixed Deposit scheme facilitate simple liquidation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/#Is_it_true_that_the_same_set_of_interest_rates_applies_to_all_schemes\" title=\"Is it true that the same set of interest rates applies to all schemes?\">Is it true that the same set of interest rates applies to all schemes?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/#Is_it_possible_to_withdraw_the_tax_saver_fixed_deposit_early\" title=\"Is it possible to withdraw the tax saver fixed deposit early?\">Is it possible to withdraw the tax saver fixed deposit early?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/#What_are_the_prerequisites_for_opening_a_tax-saving_fixed_deposit_as_an_individual\" title=\"What are the prerequisites for opening a tax-saving fixed deposit as an individual?\">What are the prerequisites for opening a tax-saving fixed deposit as an individual?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/#Can_a_loan_be_secured_against_the_deposit\" title=\"Can a loan be secured against the deposit?\">Can a loan be secured against the deposit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/#How_does_the_automatic_roll-over_feature_work\" title=\"How does the automatic roll-over feature work?\">How does the automatic roll-over feature work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/#How_is_the_maturity_money_paid_in_the_event_of_joint_accounts\" title=\"How is the maturity money paid in the event of joint accounts?\">How is the maturity money paid in the event of joint accounts?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/#What_sorts_of_schemes_are_available_through_the_tax_saver_fixed_deposit\" title=\"What sorts of schemes are available through the tax saver fixed deposit?\">What sorts of schemes are available through the tax saver fixed deposit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/#What_kind_of_deposits_are_accessible_in_this_scheme\" title=\"What kind of deposits are accessible in this scheme?\">What kind of deposits are accessible in this scheme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"About_Axis_Bank\"><\/span>About Axis Bank<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/kuvera.in\/fixed-deposit\/axis-bank\/17\">Axis Bank<\/a>, founded in 1993, was the first of the new private banks to begin operations in 1994, after the Government of India permitted the establishment of new private banks. UTI, the country&#8217;s largest and best financial institution, has promoted Axis Bank Ltd. The bank was founded with a Rs. 115 crore capital, with UTI investing Rs. 100 crore, LIC contributing Rs. 7.5 crore, and GIC and its four subsidiaries contributing Rs. 1.5 crore each. Axis Bank was among the first new generation private sector banks to open its doors in 1994. The bank was founded in 1993 by Life Insurance Corporation of India (LIC), General Insurance Corporation of India (GIC), National Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insurance Company Ltd., and United India Insurance Company Ltd. The Unit Trust of India&#8217;s stake was then transferred to SUUTI, an organisation founded in 2003.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\"><img loading=\"lazy\" class=\"aligncenter wp-image-14483 size-large\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-1024x334.jpg\" sizes=\"(max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-1024x334.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-300x98.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-768x250.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-150x49.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1.jpg 1080w\" alt=\"kuvera-fixed-deposit-online\" width=\"640\" height=\"209\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The former Unit Trust of India was established as a corporation under the UTI Act of 1963 to encourage savings and investment. The UTI Act, 1963 was repealed in December 2002 by the enactment of the Unit Trust of India (Transfer of Undertaking and Repeal) Act, 2002 by the Parliament, setting the way for the division of UTI into two organisations, UTI-I and UTI-II, with effect on February 1, 2003. The Undertaking designated as UTI I has been transferred and vested in the Administrator of the Specified Undertaking of the Unit Trust of India (SUUTI), who manages assured return schemes as well as 6.75% US-64 Bonds and 6.60% ARS Bonds with a Unit Capital of over Rs. 14167.59 crores, in accordance with the Act.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In order to attain greatness, the bank has strengths in both retail and corporate banking and is committed to implementing best industry practises from throughout the world.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In November 2010, Axis Bank agreed to pay $456 million for Enam Securities&#8217; investment banking and equities operations. Axis Securities, Axis Bank&#8217;s equities department, will merge with Enam Securities&#8217; investment banking division. According to the agreement, Enam will demerge its investment banking, institutional equities, retail equities, financial product distribution, and non-banking finance businesses and merge them with Axis Securities.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Axis_Bank_Tax_Saver_Fixed_Deposit\"><\/span>Axis Bank Tax Saver Fixed Deposit<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The Axis Bank Tax Saver FD is a form of fixed deposit that combines the benefits of a fixed deposit with tax advantages. By investing in an Axis Bank Tax Saver FD, you can defer income tax under section 80C of the Income Tax Act of 1961. Section 80C provides a tax deduction of Rs 1.5 lakhs for investments in tax-saving fixed deposits. In contrast to other fixed deposits, the Axis Bank Tax Saver FD has a five-year lock-in term. Before investing in a tax-deferred FD, an investor must thus evaluate the investment&#8217;s liquidity. If an investor seeks a tax-saving investment option with guaranteed returns, a tax-saving FDIC is a superior choice. Other tax-saving investment choices, such as <a href=\"https:\/\/kuvera.in\/blog\/all-about-epf-ppf-vpf\/\">PPF<\/a>, <a href=\"https:\/\/kuvera.in\/blog\/national-savings-certificate-nsc\/\">NSC<\/a>, etc., have a longer lock-in duration than <a href=\"https:\/\/kuvera.in\/mutual-funds\/save-taxes\">ELSS<\/a>.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Axis_Bank_Tax_Saver_Fixed_Deposit_Interest_Rate\"><\/span>Axis Bank Tax Saver Fixed Deposit Interest Rate<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td><b>Type of Investor<\/b><\/td>\n<td><b>Deposits Below RS. 2 Crore<\/b><\/td>\n<td><b>Deposits Of Rs. 2 Crore &lt; RS.4.91 Crores<\/b><\/td>\n<td><b>Deposits Of Rs. 4.91 Crore &lt; Rs.4.92 Crores<\/b><\/td>\n<td><b>Deposits Of Rs. 4.92 Crore &lt; Rs.5 Crores<\/b><\/td>\n<\/tr>\n<tr>\n<td>Individual (Less than 60 years of age)<\/td>\n<td><span style=\"font-weight: 400;\">5.75%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.65%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.65%<\/span><\/td>\n<\/tr>\n<tr>\n<td>Senior Citizen<\/td>\n<td><span style=\"font-weight: 400;\">6.50%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.40%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.75%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.40%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Eligibility_Criteria_to_open_Axis_Bank_Tax_Saver_FD\"><\/span>Eligibility Criteria to open Axis Bank Tax Saver FD<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Following are the eligibility requirements for the Axis Bank tax saving fixed deposit:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The person opening the <a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\">fixed deposit<\/a> must possess a PAN number.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Any resident Indian who has reached the age of 18 is eligible to apply either alone or jointly.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Individual and joint deposits are allowed through this scheme.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Individuals must be at least 18 years old and have a PAN number to receive individual deposits.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Either two adults or one adult and a child can get a joint deposit. At the maturity of a joint deposit, the funds will be distributed to either the depositors or the survivor.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The deduction from income under section 80c of the Act will be made from the first holder who is required to have a PAN number.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Documents_Required_for_Axis_Bank_Tax_Saver_FD\"><\/span>Documents Required for Axis Bank Tax Saver FD<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The following documents are needed to start an Axis Bank Tax Saver FD account:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Valid driving licence or valid passport<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Photograph of the depositor<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A six-month introduction from any other bank or from an Axis Bank Savings Account holder.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Axis_Bank_Tax_Saver_FD_Features_Benefits\"><\/span>Axis Bank Tax Saver FD: Features &amp; Benefits:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The minimum amount for a tax-saving FD is 100 rupees, and multiples of 100 rupees.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The maximum amount permitted each fiscal year is Rs. 1.5 Lakhs.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can choose between quarterly compounding or reinvestment of earned interest. Alternately, you can choose a monthly interest payment. By reinvesting the interest, you will profit from the power of compounding, which will increase the maturity value.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The duration of exclusivity is 5 Years from the date of deposit.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The tax saver fixed deposit is non-withdrawable, even if a penalty is paid.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In the event of the loss, theft, destruction, mutilation, or defacement of the FD receipt, a replacement receipt will only be granted upon submission of an indemnity bond in the required form with one or more authorised sureties or a bank guarantee.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can either hold the tax saver FD in your own name or jointly with another person.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In the case of a joint FD, the tax advantage will be provided to the account&#8217;s principal owner. However, the primary account holder must own their PAN for this to be possible.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">After the conclusion of each calendar quarter, TDS tax deducted at source on interest is deducted.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In the event of a single account, the person will receive the FD receipt. If the account holder is a HUF then the receipt will be in the name of the Karta of the HUF<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Both the individual or the adult individual and a minor will receive a joint account receipt. In addition, the maturity amount will be distributed to either the account holder or the survivor.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>Taxation on Axis Bank Tax Saver FD<\/b><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Section 80C of the Income Tax Act of 1961 allows the investor to claim a tax benefit of up to Rs 1.5 lakhs.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The interest generated is taxed under the head income from other sources.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest income is added to the total gross revenue for the fiscal year. The tax deduction is subtracted from the total gross income. The net taxable income for the fiscal year is taxed at the relevant slab rate.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">TDS shall be deducted at the time of payment or credit of interest income. TDS is deducted in accordance with Section 194A of the Income Tax Act of 1961.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When the total amount of interest due or reinvested on FDs and RDs per client across all branches reaches Rs 40,000, TDS is deducted. In a fiscal year, this is Rs. 50,000 for senior citizens.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Every quarter, the bank issues a TDS certificate to the depositor. The TDS certificate will show the amount of TDS deducted as well as the interest income.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you have not received the TDS certificate, you can check the TDS deducted using Form 26AS. By entering into your income tax account, you may download Form 26AS.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Customer is required to provide the depositor&#8217;s PAN. Failure to do so will result in a TDS deduction at a rate of 20%. Even if the PAN submitted to the bank is incorrect, it will be handled as if no PAN was provided.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Axis_Bank_Fixed_Deposit_How_to_Apply\"><\/span>Axis Bank Fixed Deposit: How to Apply<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><b>Online\u00a0<\/b><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Select the deposit option while logging in to Axis Bank&#8217;s Internet Banking.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Select the Create Recurring Fixed Deposit button.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Account and nominee information must be entered as prompted on the screen.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The requested amount will be deducted from your savings account upon confirmation. Instantaneously, the tax saver fixed deposit will be formed. The bank will give the FD receipt immediately.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The confirmation of your Tax Saver Fixed Deposit will be sent to your registered email address. The value date for opening the deposit and the appropriate rate will be determined based on the date of the request, i.e. the day the savings account is debited.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you are enrolled for electronic statements, a paper statement will be sent to your registered communication address. After one business day, you will also be able to access the Tax Saver Fixed Deposit advise via Internet Banking.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>Offline Channel<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Alternately, you can open a fixed deposit by visiting the bank branch nearest to you. You must submit the application form together with supporting documentation. These documents consist of your PAN and a proof of address, such as Aadhaar. It is recommended to purchase the FD using internet banking. Performing a transaction online is far more convenient and time-efficient than visiting the bank.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"How_does_the_Auto_Fixed_Deposit_scheme_facilitate_simple_liquidation\"><\/span>How does the Auto Fixed Deposit scheme facilitate simple liquidation?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The Auto Fixed Deposit plan lets you to withdraw funds from your account using a check or an ATM card. Furthermore, the account includes a reverse sweep option in which funds in the FD account are sent to the linked savings account in multiples of Rs.5,000 anytime the savings account balance falls below Rs.25,000.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"Is_it_true_that_the_same_set_of_interest_rates_applies_to_all_schemes\"><\/span>Is it true that the same set of interest rates applies to all schemes?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">No, the interest rates varies amongst the many FD plans available. The interest rate for the Fixed Deposit scheme, for example, differs from that of the Fixed Deposit Plus plan. Furthermore, the ones available to native Indians may differ from those available to NRIs.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"Is_it_possible_to_withdraw_the_tax_saver_fixed_deposit_early\"><\/span>Is it possible to withdraw the tax saver fixed deposit early?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">No. To give tax benefits, the insurance does not allow early withdrawals and has a 5-year lock-in period.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"What_are_the_prerequisites_for_opening_a_tax-saving_fixed_deposit_as_an_individual\"><\/span>What are the prerequisites for opening a tax-saving fixed deposit as an individual?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">To open an individual deposit, an individual must be over the age of 18 and have a PAN number. In the event of joint deposits, the first depositor must be an adult above the age of 18, whereas the second or third depositor may be a minor. In the event of joint deposits, only the first depositor, who must have a PAN number, will be eligible for the section 80c deduction.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"Can_a_loan_be_secured_against_the_deposit\"><\/span>Can a loan be secured against the deposit?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">No, depositors cannot pledge their term deposits as collateral for a loan.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"How_does_the_automatic_roll-over_feature_work\"><\/span>How does the automatic roll-over feature work?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The automatic roll-over feature refers to the deposit&#8217;s automatic renewal. The bank provides two types of rollover facilities.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><b>Only on the principal: <\/b><span style=\"font-weight: 400;\">In this situation, the FD account&#8217;s principal will be rolled over or renewed for another cycle. The interest earned in the previous FD account will be remitted to the consumer or applied to their savings account.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><b>On both principal and interest: <\/b><span style=\"font-weight: 400;\">In this situation, both the principal and interest generated will be combined and utilised as a deposit for the renewed FD account.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"How_is_the_maturity_money_paid_in_the_event_of_joint_accounts\"><\/span>How is the maturity money paid in the event of joint accounts?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The FD certificate is given jointly to two adults or jointly to one adult and a minor in the case of joint accounts. The maturity amount will be paid to the holder who survives.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"What_sorts_of_schemes_are_available_through_the_tax_saver_fixed_deposit\"><\/span>What sorts of schemes are available through the tax saver fixed deposit?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The Axis Bank Tax saver fixed deposit offers two types of schemes: TDGRI, which is a reinvestment scheme, and TDGQI, which is a quarterly interest scheme.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"What_kind_of_deposits_are_accessible_in_this_scheme\"><\/span>What kind of deposits are accessible in this scheme?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Individual and joint deposits are accepted by the tax saver.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Read more:\u00a0<a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>Watch\/hear on YouTube:<\/p>\n<p>&nbsp;<\/p>\n<style>.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; }<\/style>\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/f7yfzUhQDiM\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/div>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit\u00a0<a href=\"https:\/\/app.kuvera.in\/\">Kuvera.in<\/a>\u00a0to discover\u00a0<a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\">Direct Plans<\/a>\u00a0and\u00a0<a href=\"https:\/\/app.kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a>\u00a0and\u00a0<a href=\"https:\/\/kuvera.in\/user\/login\">start investing today.<\/a><\/p>\n<p>#MutualFundSahiHai #KuveraSabseSahiHai!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>About Axis Bank &nbsp; Axis Bank, founded in 1993, was the first of the new private banks to begin operations in 1994, after the Government of India permitted the establishment of new private banks. UTI, the country&#8217;s largest and best financial institution, has promoted Axis Bank Ltd. The bank was founded with a Rs. 115 [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/axis-bank-tax-saving-fd\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":17656,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[543,99],"tags":[1769,669],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Axis Bank Tax Saving FD - Features, Interest Rates and Taxation<\/title>\n<meta name=\"description\" content=\"What is Axis Bank Tax Saving FD? Features, Interest Rates, Eligibility criteria and how to apply both online and offline. 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