Can I submit Form 15G or 15H?

Submitting Form 15G/15H is not mandatory, and not all entities provide this option. If an NBFC does not offer it and you are not liable to pay taxes (i.e., your total income is below the taxable limit), you can still claim a refund of the TDS deducted using your Form 26AS while filing your ITR.

It’s recommended to consult with a tax advisor for guidance on how to proceed with claiming back the TDS in such cases.