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A TDS check helps you confirm whether the tax deducted from your salary, interest income, rent, commission or other payments has been correctly deposited with the government. This is important before filing your Income Tax Return, as even a small mismatch can affect your refund or create a tax notice risk.
Wondering how to check my TDS, how to check TDS online or how to check TDS amount using your PAN card? You can verify your TDS status through the TRACES portal, the Income Tax e-Filing portal or authorised net banking. The quickest method is to log in to the Income Tax portal, open Form 26AS and check the tax deducted against your PAN.
TDS stands for Tax Deducted at Source. It is the tax deducted by a payer before making certain payments to you. For example, your employer deducts tax from your salary, banks may deduct tax on interest income and companies may deduct tax on professional fees or commission.
You should check your TDS because it helps you:
Confirm that the deductor has deposited the deducted tax correctly
Match Form 16, Form 16A and Form 26AS before filing ITR
Avoid claiming incorrect tax credit
Identify missing or wrong entries early
Reduce the chances of refund delays
For example, if your employer deducted ₹45,000 as TDS during the year, the same amount should reflect in your Form 26AS or AIS against your PAN. If it does not, you should ask your employer to correct the TDS return.
What is a TDS Return?
A TDS return is a quarterly statement filed by the tax deductor. It contains details such as the deductee’s PAN, amount paid, TDS deducted, challan details and the quarter for which the deduction was made.
Here’s a simple way to understand it:
Person/Entity
Role in TDS
Employer, bank or company
Deducts TDS and files TDS return
Taxpayer/deductee
Checks whether TDS is visible against PAN
Income Tax Department
Records the TDS credit in Form 26AS/AIS
Once the deductor files the return correctly, the TDS amount becomes visible to you online.
How to Check TDS by PAN Card on the TRACES Portal
You can do an online TDS check by PAN card through the official TRACES portal.
Follow these steps:
Visit the TRACES portal: https://www.tdscpc.gov.in/app/login.xhtml
Go to the ‘Tax Payer’ section
Select ‘View TDS/TCS Credit’
Enter the captcha and proceed
Enter your PAN, the deductor’s TAN, financial year, quarter and return type
Click on ‘Go’ to view the TDS details
This method is useful when you want to check TDS deducted by a specific deductor. If multiple employers, banks or companies deducted TDS, you may need to check each deductor’s details separately.
How to Check TDS by PAN Card on the Income Tax e-Filing Portal
The Income Tax e-Filing portal is one of the most convenient ways to check TDS online.
Log in using your PAN/Aadhaar/user ID and password
Go to ‘e-File’
Select ‘Income Tax Returns’
Click on ‘View Form 26AS’
Confirm that you want to proceed to the TRACES portal
Accept the terms and continue
Select ‘View Tax Credit (Form 26AS)’
Choose the assessment year and preferred format
View or download your TDS statement
If you download the statement in PDF format, the password is usually your date of birth as per PAN in DDMMYYYY format. For instance, if your date of birth is 12 May 1994, the password will be 12051994.
How to Check TDS by PAN Card via Net Banking
You can also check TDS through net banking if your bank is authorised and your PAN is linked to your bank account.
General steps include:
Log in to your bank’s net banking portal
Go to the ‘Tax’ or ‘Income Tax’ section
Select the option to view Form 26AS or tax credit statement
You may be redirected to the TRACES portal
Select the assessment year and view your TDS details
This route is helpful if you frequently use net banking and want quick access without separately logging in to the Income Tax portal.
What Information Can You Find in Your TDS Statement (Form 26AS)?
Form 26AS is a consolidated tax credit statement linked to your PAN. It helps you understand how to check TDS amount deducted and deposited under your name.
You can find details such as:
TDS deducted from salary, interest, rent or other income
TDS on certain financial transactions such as securities or mutual funds
Details of defaults or corrections, where applicable
Before filing ITR, compare Form 26AS with Form 16, Form 16A, AIS and your bank statements. If there is a mismatch, contact the deductor and request correction before filing your return.
Common Reasons Your TDS May Not Reflect
Sometimes, your TDS may not appear immediately. Common reasons include:
Issue
What You Should Do
Deductor has not filed the TDS return
Follow up with employer, bank or payer
Wrong PAN used in the TDS return
Ask the deductor to revise the return
Return filed recently
Wait for processing and check again
Incorrect TAN or quarter selected
Recheck the details entered
Mismatch between Form 16 and Form 26AS
Request correction from the deductor
A good rule is to check your TDS before the ITR filing deadline, not at the last minute. As tax experts often advise, ‘Your ITR should match the tax records available with the department, not just your salary slip or bank statement.’
Quick Example: How TDS Check Helps
Suppose your bank deducted ₹8,000 as TDS on fixed deposit interest. While filing ITR, you check Form 26AS and see only ₹5,000 reflected. In this case, claiming ₹8,000 may create a mismatch. You should first ask the bank to correct the TDS return so the full ₹8,000 appears against your PAN.
This simple check can help you avoid refund delays and unnecessary follow-ups later.
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FAQs on TDS Check by PAN Card
1. How can I check my TDS status online?
You can check your TDS status online through the Income Tax e-Filing portal, TRACES portal or authorised net banking. Log in, open Form 26AS and verify the TDS credited against your PAN.
2. How can I get my TDS return details?
If you are a taxpayer, you can view your TDS details in Form 26AS through the Income Tax portal or TRACES. If you are a deductor, you can log in to TRACES and access filed TDS return details.
3. How can I download a TDS certificate?
If you are salaried, your employer provides Form 16. For other deductions, the deductor may provide Form 16A. Deductors can download TDS certificates from TRACES by logging in, selecting the relevant form, choosing the financial year and quarter, completing verification and downloading the certificate once processed.
4. How do I check TDS deducted from my salary using my PAN card?
Log in to the Income Tax e-Filing portal and view Form 26AS. Salary TDS deducted by your employer will appear against your PAN if the employer has filed the TDS return correctly.
5. What is the password to open a downloaded TDS statement?
The password is generally your date of birth as per PAN in DDMMYYYY format. For example, if your date of birth is 04 July 1990, the password will be 04071990.
6. Can I check TDS status without logging in to the Income Tax portal?
Yes, you can use the TRACES portal’s taxpayer services or access Form 26AS through authorised net banking if your PAN is linked to your bank account. However, for a complete view, logging in to the Income Tax portal is usually the most convenient option.
