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TDS Guide · FY 2025-26 · AY 2026-27

TDS Payment Online —
Challan 281 Step by Step

How to pay TDS online with Challan 281 on the income-tax e-Pay Tax portal — TAN, tax-applicable code, nature-of-payment codes, monthly due dates, the OLTAS receipt and how it reaches Form 26AS.

Updated for FY 2025-26 incometax.gov.in e-Pay Tax CA-reviewed
281TDS challan (ITNS)
7thOf next month
1.5%Late-deposit interest
₹200Late-filing fee/day
Quick Answer

Pay TDS online at incometax.gov.in → e-Pay Tax using Challan 281 (ITNS 281). Enter your TAN, pick the tax-applicable code (0020 for company deductees, 0021 for non-company), the correct Assessment Year and Nature of Payment (e.g. 192 salary, 194J professional). Pay by net banking, UPI, debit card or NEFT/RTGS, then download the OLTAS receipt — it carries the BSR code and challan serial number and shows in Form 26AS within a few working days.

Portal e-Pay Tax
Challan ITNS 281
Company 0020
Non-company 0021
Step by step

How to Pay TDS Online with Challan 281

TDS is now paid through the e-Pay Tax service on the income-tax portal (the old TIN-NSDL/OLTAS e-payment route has migrated here). You need a valid TAN — payment cannot be made without it.

e-Pay Taxincometax.gov.in → e-Pay Tax, enter TAN
Challan 281Pick 0020 / 0021, AY & nature-of-payment code
PayNet banking / UPI / debit card / NEFT-RTGS
OLTAS receiptBSR code + challan serial for your TDS return
  • 1. Open e-Pay Tax — go to incometax.gov.in and click e-Pay Tax in Quick Links; authenticate with TAN + OTP.
  • 2. Select Challan 281 (TDS/TCS) — this is for TDS/TCS only, not Challan 280 (self income-tax).
  • 3. Choose tax applicable(0020) Company deductees if you deducted from a company, else (0021) Non-company deductees (individuals, HUFs, firms).
  • 4. Enter TAN & Assessment Year — TDS deducted in FY 2025-26 is paid against AY 2026-27.
  • 5. Pick the Nature of Payment — the 3-digit code for the section under which you deducted (192, 94C, 94J, etc.).
  • 6. Enter amounts — TDS/income-tax, plus surcharge/cess where they apply; verify the total.
  • 7. Pay & download the OLTAS receipt — keep the challan showing BSR code, serial number, date and amount; you will quote these in your TDS return.
You must have a TAN — not a PAN

TDS challans are keyed to the deductor's TAN, never the PAN. Depositing against a wrong or non-existent TAN means the credit will not reach the deductee's Form 26AS, and interest under Section 201(1A) keeps running until it is corrected.

When to deposit

TDS Payment Due Dates — Monthly Schedule

TDS deducted in any month (except March) must be deposited by the 7th of the following month. TDS deducted in March gets an extended deadline of 30 April.

Month of deductionDeposit due dateNote
April – February7th of next monthe.g. April deducted → 7 May
March30 AprilExtended deadline for March deductions
194-IA / 194-IB / 194M (challan-cum-statement)30 daysBy 30th of the next month, via Form 26QB/26QC/26QD
Government deductor (book entry)Same / next dayDeposited by book adjustment; BIN used, not a challan

Miss the date and interest under Section 201(1A) applies from the date of deduction to the date of deposit.

Late-deposit interest & fee

Interest is 1% per month for failure to deduct and 1.5% per month (part of a month counts as a full month) for TDS deducted but not deposited on time, under Section 201(1A). Separately, late filing of the TDS return attracts a fee of ₹200 per day under Section 234E, capped at the TDS amount.

Late-deposit interest — ₹50,000 TDS, 2 months late

TDS deducted₹50,000
Interest @ 1.5% × 2 months₹1,500
Total to deposit₹51,500

Late-filing fee — return 10 days late

Fee @ ₹200/day × 10₹2,000
Capped at TDS amountYes
Section 234E fee₹2,000

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Fill it right

Challan 281 — Nature of Payment Codes

Choose the code that matches the section under which you deducted. Picking the wrong code mismatches your challan with the TDS return. For the full section-wise list of current-year rates and limits, see the TDS rate chart 2025-26.

SectionNature of paymentCodeTypical rate (FY 2025-26)
192Salary (payroll TDS)192Slab rate
194AInterest other than on securities94A10%
194CContractor / sub-contractor94C1% ind/HUF · 2% others
194HCommission or brokerage94H2%
194IRent — land/building 10%, plant/machinery 2%94I10% / 2%
194JProfessional 10% · technical 2%94J10% / 2%
194QPurchase of goods above ₹50L94Q0.1%
195Payments to non-residents95Per income + DTAA

194H was reduced to 2% (from 5%) w.e.f. 1 Oct 2024. If the deductee has no PAN, deduct at 20% under Section 206AA. Section 206AB (higher rate for non-filers) was omitted w.e.f. 1 April 2025.

0020 vs 0021 — get the deductee type right

The tax-applicable code follows the deductee, not you: use 0020 when the payee is a company and 0021 for a non-company payee (individual, HUF, firm, LLP). Mixing company and non-company deductions in one challan is fine on e-Pay Tax, but the code on the challan should reflect the deduction being paid.

Not sure which section or code applies to a payment? Get it checked before you deposit.

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After you pay

OLTAS Receipt, Form 26AS & Your TDS Return

The OLTAS (Online Tax Accounting System) receipt is your proof of payment. It carries the BSR code (7 digits) and the challan serial number — both are required when you file the quarterly TDS return (24Q for salary, 26Q for non-salary) on TRACES. Once the return is processed, the credit appears in the deductee's Form 26AS and AIS.

Government deductors that pay by book entry quote a BIN (Book Identification Number) generated from Form 24G, instead of a challan number.

  • Have a valid TAN before deducting
  • Pick 0020 (company) / 0021 (non-company) correctly
  • Deposit by the 7th of the next month (March by 30 April)
  • Save the OLTAS receipt — BSR code + challan serial
  • File 24Q / 26Q quarterly on TRACES
  • Issue Form 16 (salary) / Form 16A (non-salary)
  • Reconcile the challan in Form 26AS / AIS
Fixing a wrong challan

For a minor error (AY, nature-of-payment code, minor/major head, amount), request an OLTAS challan correction with the bank within 7 days, or use Challan Correction on TRACES. For older or major errors, apply to your jurisdictional TDS Assessing Officer. Correct it quickly — until the credit lands in the deductee's 26AS, Section 201(1A) interest can keep accruing.

Challan paid — now file the return correctly and issue Form 16A on time.

Get TDS Return Filing →
Government sourcese-Pay Tax & challans: incometax.gov.in · Due dates & Section 201(1A) interest — Income-tax Act 1961 · Late-filing fee: Section 234E (₹200/day) · Section 206AB omitted w.e.f. 1 Apr 2025 — Finance Act 2025
People also ask

TDS Payment Online — Frequently Asked Questions

Paying TDS
How do I pay TDS online in 2025-26?
Go to incometax.gov.in and open the e-Pay Tax service, authenticate with your TAN, and select Challan 281 (TDS/TCS). Choose the tax-applicable code — 0020 for company deductees or 0021 for non-company deductees — enter the Assessment Year (AY 2026-27 for FY 2025-26) and the Nature of Payment code, enter the tax and any surcharge/cess, then pay by net banking, UPI, debit card or NEFT/RTGS. Download the OLTAS challan receipt showing the BSR code and challan serial number.
What is Challan 281 and when is it used?
Challan 281 (ITNS 281) is the challan used to deposit TDS and TCS with the government. It is different from Challan 280, which is for paying your own income tax (advance tax, self-assessment tax). Every TDS deposit — salary (192), contractor (194C), professional fees (194J), rent (194I) and so on — is made through Challan 281 against the deductor's TAN.
Do I need a TAN to pay TDS, or can I use PAN?
You need a TAN (Tax Deduction and Collection Account Number). TDS challans are keyed to the deductor's TAN, not the PAN. Without a valid TAN the payment cannot be made and the credit will not reach the deductee's Form 26AS. Apply for a TAN before you make your first deduction.
What is the difference between tax-applicable code 0020 and 0021?
On Challan 281, (0020) Company Deductees is used when the payee from whom you deducted TDS is a company, and (0021) Non-Company Deductees is used when the payee is an individual, HUF, firm or LLP. The code follows the deductee's status, not the deductor's.
Can I pay TDS by UPI or debit card?
Yes. The e-Pay Tax service supports net banking, UPI, debit card, pay-at-bank-counter and NEFT/RTGS. UPI and card have per-transaction limits, so large TDS deposits are usually made through net banking or NEFT/RTGS.
Due Dates
What is the due date to deposit TDS?
TDS deducted in any month from April to February must be deposited by the 7th of the following month. TDS deducted in March has an extended due date of 30 April. For property-related TDS under Sections 194-IA/194-IB/194M, the challan-cum-statement (Form 26QB/26QC/26QD) is filed within 30 days from the end of the month of deduction.
What happens if I deposit TDS late?
Interest under Section 201(1A) applies at 1.5% per month (or part of a month) on TDS that was deducted but deposited late, running from the date of deduction to the date of deposit. If you failed to deduct at all, the interest is 1% per month. Late filing of the TDS return attracts a separate fee of ₹200 per day under Section 234E, capped at the amount of TDS.
How is late-deposit TDS interest calculated?
Interest under Section 201(1A) is 1.5% per month or part of a month. Even one day into a new month counts as a full month. For example, TDS of ₹50,000 deducted on 20 May and deposited on 15 July is late by two months (a June and a July part-month), so interest is 1.5% × 2 = ₹1,500. Pay the interest along with the TDS in the same or a separate challan.
After Payment
What is the OLTAS receipt and why do I need it?
The OLTAS (Online Tax Accounting System) receipt is the challan counterfoil generated after payment. It shows the BSR code (7 digits), challan serial number, date and amount. You quote the BSR code and serial number in your quarterly TDS return (24Q/26Q) so the deposit maps to each deductee. Keep it safe — it is your proof of payment.
When does a TDS payment appear in Form 26AS?
A TDS challan is visible in the deductor's OLTAS/challan status within a few working days of payment. It reflects against a specific deductee in that person's Form 26AS and AIS only after you file and get processed the quarterly TDS return that maps the challan to the deductee's PAN. So timely return filing, not just payment, is what makes the credit visible.
Can excess TDS paid be refunded?
Yes, by two routes. The deductee claims excess TDS by filing an income-tax return — the credit in Form 26AS reduces tax payable and any excess is refunded to the deductee's bank account. The deductor can adjust an excess deposit against a later month's liability within the year, or claim a refund of excess challan payment through the online refund request on TRACES after filing the return.
Corrections
How do I correct a mistake in Challan 281 after payment?
For minor errors (Assessment Year, nature-of-payment code, minor/major head, or amount within limits), request an OLTAS challan correction at the bank within 7 days of payment, or use the Challan Correction facility on TRACES. For older errors or fields the bank/TRACES cannot fix, apply in writing to your jurisdictional TDS Assessing Officer with the original challan and TAN/PAN proof.
What if TDS is deposited under the wrong TAN?
If the deposit went to an incorrect TAN, the deductee's Form 26AS will not show the credit. Correct it fast: ask the bank for an OLTAS TAN correction within 7 days, or file a challan correction request with your TDS Assessing Officer with the original challan and proof of the correct TAN. Interest under Section 201(1A) can keep accruing until the credit is properly reflected.
Special Cases
What is BIN and who uses it instead of a challan?
BIN (Book Identification Number) is used by government deductors that deposit TDS by book entry rather than cash/cheque. Their Pay & Accounts Officer files Form 24G, which generates the BIN. Government deductors quote the BIN — instead of a BSR code and challan serial number — in their TDS returns, and it appears in the deductee's Form 16/26AS.
Is there still a higher TDS rate for non-filers before I pay?
No. Section 206AB, which required a higher TDS rate for people who had not filed their income-tax returns, was omitted with effect from 1 April 2025 by the Finance Act 2025. You no longer need to run a return-filing compliance check before deducting. Only Section 206AA survives — a 20% rate where the deductee does not furnish a valid PAN.
Can TDS be paid offline at a bank?
The standard route is now online e-Pay Tax, but you can also use the pay-at-bank-counter option on the portal: generate the challan online, then pay by cash/cheque at an authorised bank branch, which stamps and returns the OLTAS counterfoil. Fully offline (pre-printed) challan payments have largely been discontinued in favour of the e-Pay Tax generated challan.
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