Warning 2026: Bank Account Me Ye Galti Ki To Income Tax Notice Pakka

Income Tax Notice Se Bachna Hai? Bank Account Ki Ye Galtiyaan Aaj Hi Sudhaar Lo 

India me 2026 tak banking aur income-tax compliance kaafi strict ho chuki hai. Bank accounts me cash deposit, withdrawal aur high-value transactions par nazar rakhi ja rahi hai. Agar aap in rules ko nahi samajhte, to unnecessary tax notice aa sakta hai. Is article me savings account, current account, credit card aur digital transactions ki limits simple language me explain ki gayi hain.

Savings Account Cash Transaction Limits

Savings bank account me cash deposit aur cash withdrawal par yearly monitoring hoti hai.

• Ek financial year me agar ₹10 lakh se zyada cash transaction hota hai (deposit ya withdrawal), to bank iski report Income Tax Department ko bhejta hai.

• Iska matlab yeh nahi ki ₹10 lakh se upar illegal hai, lekin aapko source of income explain karna pad sakta hai.

• Agar income tax return me proper disclosure nahi hua, to notice aa sakta hai.

Example:
Agar aap ek saal me ₹12 lakh cash deposit karte ho, to bank us transaction ko report karega aur tax department aapse explanation maang sakta hai.

Current Account Limits (Business Accounts)

Current accounts par limits savings account se zyada hoti hain, kyunki yeh business use ke liye hote hain.

• Financial year me ₹50 lakh se zyada cash transaction hone par reporting hoti hai.

• Businesses ko apni books of accounts aur GST records se match karke dikhana hota hai ki cash kaha se aaya.

Agar cash turnover declared income se match nahi karta, to tax scrutiny ho sakti hai.

Credit Card Cash Payment Rules

Credit card bill agar cash me pay kiya jata hai, to us par bhi limit hoti hai.

• Ek financial year me ₹1 lakh se zyada cash payment credit card bill ke liye risky ho sakti hai.

• Banks aise transactions ko high-value cash payment ke roop me report karte hain.

Digital payment (UPI, net banking) is case me safe option hota hai.

come Tax Reporting and Disclosure

• Sabhi active bank accounts ko ITR me disclose karna mandatory hai.

• Domestic aur foreign accounts dono declare karne padte hain.

• Agar account disclose nahi kiya gaya, to penalty lag sakti hai, chahe usme transaction ho ya nahi.

Dormant ya zero-balance account bhi ITR me mention karna safer hota hai.

Digital Transaction Limits (UPI, NEFT, RTGS)

Digital payments par bhi daily aur per-transaction limits hoti hain:

• UPI general limit: ₹1,00,000 per day

• Medical, education aur special categories ke liye UPI limit: ₹5,00,000

• NEFT/IMPS: limit bank ke hisaab se hoti hai (usually ₹5 lakh tak)

• RTGS: minimum ₹2 lakh, upper limit almost unlimited

Digital transactions cash ke comparison me zyada transparent aur safe hote hain.

Unexplained Cash ka Risk

Agar aap bank me cash deposit ya withdrawal ka proper source explain nahi kar paate, to:

• Amount ko unexplained income maana ja sakta hai

• High tax rate aur penalty lag sakti hai

• Future me detailed scrutiny ho sakti hai

Isliye har cash transaction ka record rakhna zaroori hai.

Quick Summary Table

Transaction Type	Reporting Trigger
Savings account cash (yearly)	Above ₹10 lakh
Current account cash (yearly)	Above ₹50 lakh
Credit card cash payment	Above ₹1 lakh
UPI daily limit	₹1 lakh (general)
Special UPI limit	₹5 lakh

Advice

• Cash transactions ko minimum rakhein

• Digital payments prefer karein

• ITR me sabhi bank accounts disclose karein

• Income aur bank activity me mismatch na hone dein