Income Tax E-Filing
File your income tax return accurately and on time — whether you're salaried, a freelancer, business owner, or have capital gains. Our CA experts handle it all.
What Is Income Tax E-Filing?
Income Tax E-Filing means filing your annual tax return online through the Income Tax portal (incometax.gov.in) instead of submitting physical papers. It's mandatory for most taxpayers and is the only way to file ITR-1 through ITR-7.
Every individual whose gross income exceeds the basic exemption limit (₹3 Lakhs under New Regime, ₹2.5 Lakhs under Old Regime) must file an ITR. But even if your income is below the limit, filing voluntarily has benefits — loan applications, visa processing, and claiming tax refunds.
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Which ITR Form Is For You?
Picking the wrong form is the #1 reason for defective return notices. Here's a quick guide — or just ask us for free.
Who Must File ITR?
It's not just about income above the exemption limit. There are several situations where filing is mandatory even with zero or low income.
Must File ITR If Any Of These Apply:
- Gross income exceeds exemption limit — ₹3L (New Regime) or ₹2.5L (Old Regime)
- TDS of ₹25,000+ deducted — (₹50,000 for senior citizens) under any section
- TCS of ₹10,000+ collected — From foreign remittance, luxury items, etc.
- Savings bank deposit > ₹50 Lakhs — In any account during the year
- Foreign travel expenditure > ₹2 Lakhs — Self or family members
- Electricity bill > ₹1 Lakh — Against a single connection
- Foreign assets or income — Bank accounts, shares, RSUs, property abroad
- Agricultural income > ₹5,000 — Even though exempt, must be declared
- Business/professional turnover > ₹60 Lakhs — Under 44ADA/44AD presumptive tax
- Claiming tax refund — If excess TDS was deducted, you must file to get refund
Why File On Time?
Claim Refund
If your employer deducted more TDS than actual tax, you only get refund by filing ITR.
Avoid Penalties
Late filing attracts ₹1,000–₹5,000 penalty plus interest under 234A/B/C.
Carry Forward Losses
Capital losses, house property losses — can carry forward 8 years only if filed on time.
Financial Proof
Required for home loans, education loans, visa applications, and credit card approvals.
Basic Documents You'll Need
Exact documents depend on your ITR form and income type. But these are common to almost everyone.
Get My Exact Checklist- PAN Card — Mandatory for all taxpayers
- Aadhaar Card — Must be linked with PAN
- Bank Statements — All accounts used during the financial year (Apr–Mar)
- Form 16 — If salaried (from employer)
- Form 16A — If TDS deducted on income other than salary
- Investment Proofs — For deductions under 80C, 80D, etc.
- Interest Certificates — From bank (savings/FD), post office
- Form 26AS — TDS/TCS summary (we help download)
- AIS & TIS — Annual Information Statement (we help download)
Filing Deadlines AY 2025-26
| Type of Return | Due Date | Who |
|---|---|---|
| Original Return (No Audit) | July 31, 2025 | ITR-1, ITR-2, ITR-4 (non-audit) |
| Original Return (With Audit) | October 31, 2025 | ITR-3, ITR-4 (with 44AB audit) |
| Belated Return | December 31, 2025 | All forms — penalty applies |
| Updated Return | December 31, 2026 | All forms — 25% additional tax |
How We File Your Return
Connect
Tell us your income sources via call or WhatsApp.
Documents
Share docs digitally — we send custom checklist.
AIS/TIS Check
We cross-verify with your Form 26AS, AIS, TIS.
CA Computation
Expert CA computes tax, optimizes regime & deductions.
Your Approval
We share computed return for your review and go-ahead.
File & Verify
Filed on portal + e-verification assistance.
New vs Old Regime: Quick Look
Old Regime
- 80C, 80D, HRA, LTA — all deductions available
- Home loan interest under 24(b) available
- Exemption limit: ₹2.5 Lakhs
- 4 tax slabs (5% to 30%)
Best for: People with heavy deductions — home loan + investments + insurance totaling ₹3L+.
New Regime (Default)
- No 80C, 80D, HRA, LTA deductions
- Standard deduction of ₹75,000
- Exemption limit: ₹3 Lakhs
- 7 tax slabs (0% to 30%)
Best for: Salaried people with minimal investments — lower slab rates can save more tax.
Common Filing Mistakes
Wrong ITR Form
Filing ITR-1 when you have capital gains, or ITR-2 when you have business income — instant defective return notice under 139(9).
AIS/TIS Mismatch
Not declaring income that's already reported in your AIS by banks, employers, or brokers — automated notice triggered.
Not Verifying on Time
Filing ITR but forgetting to e-verify within 30 days — return becomes invalid as if never filed.
Missing Interest Income
Savings account interest, FD interest — even small amounts must be declared. Banks report everything to IT department.
Wrong Regime Choice
Defaulting to New Regime without checking if Old Regime saves more — can mean paying ₹5K–₹25K extra tax.
Wrong Bank for Refund
IFSC or account number error means refund bounces and takes months to recover through re-issuance request.
E-Verify Within 30 Days
Filing ITR is only half the job. Without e-verification within 30 days, your return is treated as invalid. We assist you until it's fully verified.
Aadhaar OTP — Fastest, 30 seconds
Net Banking — No OTP needed
Bank/Demat EVC — Via email/mobile
- Return becomes invalid
- Refund processing won't start
- Loss carry forward is lost
- Must re-file (if time permits) as belated return
- Additional penalty may apply
Common Questions
For most individuals (ITR-1, ITR-2, ITR-4 without audit), the due date is July 31, 2025. For business owners requiring tax audit (ITR-3, ITR-4 with 44AB audit), the deadline is October 31, 2025. Belated returns can be filed until December 31, 2025 with penalties.
Yes, and in many cases you should. Even with zero tax liability, filing helps claim TDS refund, creates a financial record for loans/visas, and allows you to carry forward losses. It's especially recommended if TDS was deducted from your income.
You can still file a belated return until December 31, 2025, but you'll pay a penalty of ₹5,000 (or ₹1,000 if income ≤ ₹5L). More importantly, you cannot carry forward losses (capital gains, house property, business) if filed after the due date. For business owners, this can mean losing lakhs in future tax savings.
Yes. Aadhaar-PAN linking is mandatory for filing ITR. If not linked, your PAN becomes inoperative — you can't file returns, and TDS/TCS will be deducted at the highest rate. Linking can be done on the Income Tax portal or UIDAI website.
AIS (Annual Information Statement) shows ALL financial transactions reported to the IT department — TDS, TCS, interest, dividends, foreign remittances, property transactions, etc. TIS (Taxpayer Information Summary) is a simplified version showing only the relevant information needed for filing your return. We use both to ensure nothing is missed or double-counted.
Yes. A revised return can be filed before the end of the assessment year (December 31, 2025) or before completion of assessment — whichever is earlier. You can also file an updated return within 2 years from the end of the assessment year, but it attracts 25% additional tax on the tax and interest.
Typically 20-45 days after e-verification, if everything matches. The IT department processes refunds via ECS to your bank account. If there's a mismatch or the department sends an intimation under Section 143(1) adjusting your refund, it may take longer. We help track and follow up on refund status.
Form 26AS is a consolidated tax statement showing all TDS and TCS deducted on your income during the year, along with advance tax and self-assessment tax paid. If your ITR doesn't match Form 26AS — for example, you show less income than what's reported in 26AS — a notice is almost certain. We verify every entry against 26AS before filing.
Don't Risk Wrong Filing.
Let Experts Handle It.
Wrong form, missed income, wrong regime — small errors lead to notices, penalties, and lost refunds. File with CA-verified accuracy.