Form 13 Lower TDS Certificate: Free Up ₹1-3L Cash Flow

What is This Hack?

Apply for Form 13 (Section 197 certificate) to reduce TDS deduction from 10% to 2-5% or nil on brand deals. Free up ₹1-3L cash flow annually. Valid one FY only, reapply annually. Example: On ₹24L deals, get certificate at 9% actual rate vs 10% standard TDS = ₹24K extra cash upfront

Key Benefits

Potential savings: ₹1-3 lakhs cash flow benefit
Implementation time: 30-45 days for approval
Legal status: fully legal
Risk level: low

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