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Documents to collect before this FY ends

​Bank statementsThinkStock Photos
​Bank statements
Year-end bank statements of the investor contain credits in the form of income received on investments. These can be procured online or by requesting a physical copy from the bank.
​Securities statementsThinkStock Photos
​Securities statements
Investors receive annual holding statements of securities for shares and other demat securities. For mutual fund investments, a consolidated holding statement is sent to investors.
​Interest certificateThinkStock Photos
​Interest certificate
Banks provide a certificate of interest paid during the financial year on all deposits. For savings account, banks either give an interest certificate, if not, it can be taken from the bank statement for the financial year.
​TDS certificateThinkStock Photos
​TDS certificate
Banks deduct TDS on interest earned, if the interest exceeds Rs 10,000. A TDS certificate can be obtained from the bank for tax deducted, to ascertain tax payable at end of financial year.
​Transaction statementThinkStock Photos
​Transaction statement
If the investor has carried out any sale/trading of securities, a transaction statement must be procured and account statement for the entire financial year.
​Capital gain statementThinkStock Photos
​Capital gain statement
Mutual funds and brokers provide capital gain statements on request. This determines the total capital gain/loss made during the financial year.
Home loan interestThinkStock Photos
Home loan interest
If there is a home loan, banks provide a certificate giving the total repayment during the financial year with a break up of principal and interest paid. This is used for claiming deductions from total income.
​Point to noteThinkStock Photos
​Point to note
Exemption from TDS on interest on deposits is available, if certain conditions are met by submitting Form 15H by senior citizens and Form 15G by other citizens.

(The content on this page is courtesy Centre for Investment Education and Learning (CIEL). Contributions by Girija Gadre, Arti Bhargava and Labdhi Mehta.)
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