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Mahesh Padmanabhan  |115 Answers  |Ask -

Tax Expert - Answered on May 26, 2023

Dinesh Question by Dinesh on May 20, 2023

Repeated question and considered your reply...My view: Govt employees have to pay tax on salaries from March to Feb of any year. But if a person retires on 31st March, then salary for 13 month has to be taken academically. Academically, we should recalculate previous years taxable income. Since, practically it is not convenient, so we should pay tax on 13 months salary. And there is no way to save tax on extra month salary. Pls confirm ...
Ans: Hi Dinesh
I do not understand why the financial year would be different for government employees. The taxation is always on income during the period April 1 of a year to March 31 of the subsequent year and there is no 13 month salary taxation concept

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Anil Rego  |313 Answers  |Ask -

Financial Planner - Answered on Dec 15, 2021

I am a service holder and receive a monthly salary from my employer. In FY 2020-2021, the payment of salary was irregular. Till date, I have received salary for 11 months. The salary last received was on 13.08.2021 for the month of January and February 2021. Taxes were deducted at source before payment. Tax deducted for nine months (April 20 to December 20) were duly deposited and reflected in Form 26AS and Part A of the Provisional Form 16. Taxes were deducted from the salary of January and February 2021 but not yet visible in 26AS or Part A (provisional) of Form 16. In the meantime, Part B of Form 16 for the year 2021-22 AY, last updated on July 23, 2021, has been officially handed over to me by the employer which shows 'Salary as per provision contained in section 17(i); as salary for 12 months. Other figures in that statement including tax calculation are based on 12 months' salary. I sought clarification in this regard from my employer but nothing is informed. Under the circumstances, can you kindly advise whether my I-T return for FY 2020-2021 (2021-2022 AY) is to be submitted based on nine months's pay, 11 months's pay or 12 months's pay.
Ans: In a financial year the following are taxable under salary:

  1. Amount received as salary in FY
  2. Amount due as salary in FY, whether received or not
  3. Any arrears of salary received (if not taxed in previous FY)

If the TDS is not confirmed in 26AS, that means the employer has deducted taxes while paying you the salary but has not deposited the same with the I-T department.

You need to keep your salary slips, bank statements and Form 16 carefully and submit it as proof, if required.

You can continue to pursue your employer for payment of the additional month's salary that has not been received by you.

Ideally, you can file returns for 12 months, as per the Form 16 provided to you.

Finally, if your issue is not resolved and your 26AS continues to not show the TDS, you can write a detailed mail with backups to the assessing officer and keep it as proof.


Latest Questions

Anu Krishna  |458 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 03, 2023

Asked by Anonymous - Jun 02, 2023
I am a 45 years old Indian living in the US for the past 10 years with the family. Despite having a steady job and a pay which typically is considered high, I end up spending more than my income. My wife also works full time with good pay as well but she thinks it's my responsibility to provide and she just saves all her money in her own accounts. We have multiple properties on both our names including cars but only I pay. I pay for groceries, bills, travel everything. On discussing about the expenses, which I have done multiple times so far, she says I should be ashamed to expect money from a woman. If this continues, I will reach retirement age kind of broke I feel. Also, I will spend sleepless nights thinking about finances until then. Please advice.
Ans: Dear Anonymous,
Like in any partnership, marriage is one such partnership where everything is usually shared. But I do know of couples, where they mutually agree that one partner takes care of the bills and the other education etc.
In your case, your wife has been saving up and you have been bleeding dry of your finances.
But why exactly are you spending more than your income? Financial mismanagement? Maybe that's why your wife is worried that it might happen to her portion of the income too?
Having said that, I guess your wife also needs to move past the belief that the Man is solely responsible for bringing money home. By that logic, she should never have worked, right?

Since she is working as well, she can contribute towards the family to the extent it can help but it is also imperative that as a woman she keeps some finances saved as a back-up for herself. It provides a good safety blanket for a woman since she possibly feels that you are spending more than what you earn.
It's up to you to bring about the subject without her feeling that you are out to spend all her money. So, you really need to start with managing your finances better...I am sure things will get better from thereon...

All the best!

Anu Krishna  |458 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 03, 2023

Hi Anu, I hope you're doing well. I'm a 24 year old girl working as a software engineer. I was in love with a boy in long distance relationship and I met him only once. We both had great understanding, respect on each other. It was all good between us. On February 2023, he called me one day saying that he wants to tell his parents about our love matter. I said okay and asked him what he wanted to do if his family disagrees. He said that he'll wait until his family approves. I was okay with it and he informed to his family. But things started changing after he talked with his family. He wanted to break up with me. I told him many times that I wanted to be with him and don't want to break up. But, he didn't agree. Eventually, we stopped talking with each other. It was hard for me to move on but after few months, i finally decided to move on with my life. Then suddenly he messaged me saying that he wants to get back with me. I didn't agreed as I lost my trust on him. He even informed his family about getting back with me and they were okay with it. He wants to marry me. But, now the problem is I still like him, but I lost trust in him. I wanted to give him a chance but I'm afraid because of past break up with him. I'm confused about what should I do? Anu, can you please suggest me about giving him a chance or moving on with my life?
Ans: Dear Mahi,
Thank you for asking. I am doing well and trust that you too will be in the same space as well.
When what he has done has broken your trust, it is difficult to get it back... he has come back, but you are perhaps thinking: what if he pulls the same stunt again? And this makes you question every move of his...

If you look at it from his point of view, he possibly also loves you but his family pressures are getting to him and he can do only that much. Yes, it would have been more 'human' to talk to you about what had happened after he spoke with his family. But he chose not to and that lack of transparency is what has thrown you off...perhaps, he isn't all that mature emotionally or feels that he might lose you if he shares anything.

Whatever it is, your loss of trust on him is justified after the way he had behaved. If the two of you still want to give your relationship a chance, kindly do so...and clearly state to him that you have lost trust on him. Not only does he have explaining to do but he must reassure you that he will be honest with you in future. Also, give some time before committing to a marriage while you watch whether he has changed and he is consistent with what he has committed to changing. Only when you are sure, take a decision either way!

All the best!

Anu Krishna  |458 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 03, 2023

Dr Ashish

Dr Ashish Sehgal  |65 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 02, 2023

Ans: Maintaining healthy friendships is important for your well-being. Here are some suggestions on how to keep your friendships stress-free and enjoyable:

Communication: Open and honest communication is key. Express your feelings, concerns, and needs to your friends, and encourage them to do the same. Effective communication can help address any issues or misunderstandings before they escalate.

Boundaries: Establishing and respecting personal boundaries is essential in any friendship. Clearly communicate your boundaries and be mindful of your friends' boundaries as well. This can help prevent conflicts and promote mutual respect.

Active listening: Practice active listening when your friends are sharing their thoughts or concerns. Show genuine interest, ask questions, and provide support when needed. Being a good listener strengthens the bond in friendships.

Quality time: Make an effort to spend quality time with your friends. Plan activities or outings that you all enjoy and create opportunities for meaningful connections. This can help strengthen your friendships and create positive experiences together.

Acceptance and understanding: Recognize that everyone has their strengths, weaknesses, and differences. Accept your friends for who they are and try to understand their perspectives. Embracing diversity within friendships can lead to a more harmonious dynamic.

Conflict resolution: Conflicts may arise in any relationship, including friendships. When conflicts occur, address them calmly and constructively. Approach the situation with empathy, actively listen to each other's perspectives, and work together to find resolutions that satisfy both parties.

Self-care: Take care of yourself physically, mentally, and emotionally. Engage in activities that bring you joy and relaxation. Prioritizing self-care allows you to bring a positive and balanced energy to your friendships.

Remember that maintaining friendships is a two-way street, and both parties need to invest time and effort. If you're feeling overwhelmed or experiencing tension or depression, it's essential to seek additional support from a mental health professional who can provide guidance tailored to your specific needs.
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.


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