TDS has already been deducted — does that settle my income tax?

Think of TDS as tax paid in advance on your behalf — a deposit, not the final bill. Your actual liability is computed when your return is filed, after bringing every income together and applying the deductions and regime you choose.

Sometimes the deposit exceeds the bill — and a refund is waiting, but only a filed return can claim it. Sometimes it falls short — typically when there are multiple incomes — and topping up through advance tax keeps everything smooth and interest-free.

The healthy routine is simple: reconcile your Form 26AS and AIS with your own records, compute properly, and file. Done proactively, tax season becomes a confirmation exercise rather than a surprise. We do exactly this, end to end, for individuals and businesses alike.