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SALARY · HOUSE PROPERTY · CAPITAL GAINS · PERSONAL TAX
File your individual income tax return with confidence. Online Tax Filings helps salaried professionals, pensioners and other individual taxpayers review income sources, select the applicable return form, reconcile tax records and complete e-filing and verification.
✓ ITR form selection
✓ AIS & Form 26AS review
✓ E-filing & verification
RETURN SELECTION · INCOME REVIEW · DOCUMENT CHECK
Identify salary, property, gains, interest and other reportable items.
Review Form 16, AIS/TIS, Form 26AS and available statements.
Choose the applicable ITR and complete the portal verification step.
✓ Individual return eligibility
✓ Income & tax credit reconciliation
✓ Practical e-filing assistance
PERSONAL TAX RETURN · DOCUMENT REVIEW · ITR GUIDANCE
Tell us whether you earn salary, pension, rent, capital gains or other income. We can discuss your filing needs and the records required to assess the correct return form.
We protect privacy: never share income-tax portal passwords, OTPs, Aadhaar numbers or full financial statements in this public enquiry form.
Share a short description of your income profile and question. Please do not submit credentials or sensitive identity details here.
A DETAILED GUIDE TO PERSONAL INCOME TAX RETURN FILING
This guide explains how individual taxpayers can prepare a complete income tax return for the applicable year. It covers return-form selection, salary and investment records, house-property and capital-gain disclosures, AIS/TIS checking, tax regime comparison, e-verification and correction options. Business ITR filing, NRI taxation and tax notices remain separate services.
An Individual Income Tax Return (ITR) reports a person’s income, deductions where permitted, tax already paid and resulting tax or refund position for a specific year. Filing obligations depend on applicable law, income, specified transactions and other conditions; a nil tax payable calculation does not always remove the requirement to file.
An accurate return reconciles documents from employers, banks, brokers and other sources with the taxpayer’s own records. Our support focuses on understanding the full income profile first, then selecting the relevant ITR form and preparing disclosures that can be supported by evidence.
Identify every relevant income stream.
Check statutory filing conditions.
Review TDS, TCS and paid taxes.
Complete the return filing process.
Practical note: A low or zero final tax liability is not, by itself, sufficient evidence that an ITR is unnecessary.
For income earned during financial year 2025–26, the corresponding return is for assessment year 2026–27 and remains governed by the Income-tax Act, 1961. The Income-tax Act, 2025 took effect on 1 April 2026 and governs tax year 2026–27 onward, subject to the transition provisions.
The e-filing portal supports records and compliances under both frameworks. Before starting an ITR, match the income period, year label, governing Act and notified form. Do not treat AY 2026–27 and tax year 2026–27 as interchangeable simply because their numerals match.
Income earned before April 2026.
Corresponding filing under the 1961 Act.
Income period under the 2025 Act.
Select the year-specific notified ITR.
Practical note: Statutory form names and schedules should always be confirmed against the portal for the precise income year selected.
The correct ITR depends on residential status, income heads, business or professional activity and specific disqualifying conditions. For example, ITR-1 is a simplified form for eligible resident individuals; ITR-2 is generally for individuals or HUFs without business or professional income who do not qualify for ITR-1.
ITR-3 is relevant where an individual has applicable business or professional income, while ITR-4 covers eligible presumptive income cases. Additional criteria, including specified capital gains, foreign assets, directorships and income limits, affect form eligibility. We review those conditions rather than selecting a form solely from salary level.
For eligible simpler individual profiles.
Personal income with additional schedules.
Relevant business/professional cases.
Eligible presumptive-tax cases.
Practical note: Having business income calls for the separately approved Business ITR Filing service; the forms are mentioned here only to prevent wrong-form selection.
For salaried taxpayers, Form 16 is an important starting document, but the return should also reflect salary paid by all employers during the year, any change of employment, taxable perquisites and pension where relevant. A payroll TDS figure alone is not a full return computation.
Review salary components, employer-reported exemptions, standard deduction as applicable, professional tax where allowed and any employer-provided benefits. When two employers report income separately, combine the relevant figures before comparing them with AIS and Form 26AS.
Employer salary and TDS certificate.
Combine records of all employers.
Check correct reporting and sources.
Review taxable employer benefits.
Practical note: Keep payroll statements or final settlement records where Form 16 data needs clarification.
Income from house property can involve self-occupied, let-out or deemed-let-out property treatment. Correct computation may need ownership share, gross annual value, municipal taxes, interest on borrowed capital and eligible set-off rules, depending on the chosen tax regime and law for that year.
Gather property ownership records, rent received, municipal-tax proof and eligible lender interest certificates. Where multiple properties or special adjustments exist, ITR form selection should be rechecked so every required schedule is available.
Review property share and type.
Compare gross receipts and evidence.
Keep applicable interest certificate.
Check regime- and year-specific limits.
Practical note: A home-loan EMI is not itself the same as deductible housing-loan interest; each component has separate treatment.
Savings interest, fixed-deposit interest, dividends, family pension and other taxable receipts may appear in bank statements and third-party reporting. Some items are taxable even where no TDS is deducted. Review the underlying receipt and law instead of relying only on the AIS figure.
Certain winnings and special-rate incomes require their own disclosure and tax treatment. Interest should be attributed to the correct period and taxpayer, and dividend reporting should be checked against broker, registrar and bank information.
Reconcile bank interest entries.
Review accrued/credited amounts.
Compare broker and bank credits.
Identify distinct taxable categories.
Practical note: Tax credits withheld on income and the income itself are two separate entries in the return.
Sale of listed shares, mutual funds, land or buildings can trigger capital-gains reporting. The correct treatment depends on asset type, acquisition and transfer details, applicable holding-period rules, cost adjustments and any specific relief or exemption conditions.
Prepare broker transaction reports, demat statements, mutual-fund capital-gain statements or registered property documents as appropriate. Compare sale proceeds and reported transactions with AIS, and do not assume every securities receipt is taxable profit. Certain capital gains make a simplified ITR form ineligible.
Identify each asset disposal.
Retain purchase and expense proof.
Apply the relevant asset rules.
Explain reported transaction differences.
Practical note: This is personal return disclosure guidance, not a substitute for transaction-specific capital-gains tax planning.
A person’s residential status affects the scope of taxable income and disclosure requirements. Individual taxpayers with overseas income, foreign accounts, foreign assets or overseas employment should have those facts reviewed before choosing an ITR form or submitting a return.
Foreign-account schedules and other reporting obligations can apply even where the related income is not immediately obvious from Indian bank records. NRI and international-tax situations require case-specific evaluation; Online Tax Filings treats NRI Income Tax Services as a separate approved service.
Determine status for the relevant year.
Identify overseas sources and proof.
Check whether disclosures are needed.
Route cross-border facts appropriately.
Practical note: A taxpayer’s nationality and tax residential status are not the same legal test.
Annual Information Statement (AIS) reports various information received by the tax department, while Taxpayer Information Summary (TIS) aggregates relevant categories and Form 26AS principally captures tax-deduction or collection credits. These are useful cross-checks, not a substitute for personal source documents.
Differences can arise from timing, duplicate information, incorrect PAN reporting or classification issues. Compare each material entry with Form 16, bank accounts, investments and other records; use the official feedback process for reportable errors when appropriate.
Review reported information items.
Check aggregated income categories.
Confirm available TDS/TCS credits.
Document reconciliations and feedback.
Practical note: A missing AIS entry does not by itself make genuine income non-taxable.
A taxpayer should compare the applicable old and new tax regime after assembling the relevant income and deductions. Under the 1961 Act for AY 2026–27, the new regime is the default for eligible individuals, but eligible non-business taxpayers may generally opt for the old regime in their return subject to statutory conditions.
The regimes differ in slab rates and which deductions or exemptions may be claimed. Compare actual eligible claims, employer reporting and total tax under the correct year’s rules; do not select a regime only because another taxpayer received a better outcome.
Check the governing law and year.
Reconcile supporting evidence.
Evaluate both relevant calculations.
Record the applicable option correctly.
Practical note: Business-income elections have different procedural rules and belong to the separate Business ITR Filing scope.
Claims for investments, insurance, donations, housing, medical coverage or other eligible deductions must be tested against the rules that apply to the taxpayer, income year and chosen regime. Simply possessing a receipt does not establish eligibility, and some common deductions are not available in the default regime.
Build a schedule of each proposed claim and verify the allowed amount, qualifying conditions, payee details and supporting documents. Employer exemptions and individual return claims may follow different documentation and computation rules.
Review eligible qualifying payments.
Check covered persons and conditions.
Verify recipient and reporting data.
Confirm the deduction is allowed.
Practical note: Do not insert a deduction just because the previous year’s return contained it.
Start with PAN information, current contact details and a prevalidated bank account for refund credit where applicable. Keep Form 16, bank-interest certificates, AIS/TIS/26AS, capital-gains statements and rent or home-loan details ready according to the taxpayer’s income profile.
Additional details may include dividend statements, tax challans, deduction proofs and records for multiple employers or other receipts. A structured checklist reduces omitted incomes and prevents last-minute mismatch between supporting documents and the final return.
PAN and portal profile details.
Salary, interest and gain records.
AIS/TIS, 26AS and challans.
Bank account prevalidation status.
Practical note: Upload sensitive source documents only through a secure, agreed channel—not the general public enquiry form.
Frequent errors include the wrong assessment year, an ineligible ITR form, missing interest income, omitted share transactions, inaccurate house-property claims, mismatched TDS or selecting a regime without checking allowable deductions.
Before submission, verify taxpayer details, income schedules, tax credits, refund-bank information and generated tax computation. Review portal warnings carefully and record the final filing acknowledgement rather than relying on a completed data-entry screen.
Check year and legal framework.
Reassess form eligibility.
Compare every third-party source.
Tie TDS/TCS to reporting records.
Practical note: A prefilled field is a convenience feature, not a guarantee that it is complete or accurate.
After gathering information, confirm the applicable year and form on the official e-filing portal, review the prefilled schedules, enter supported adjustments, inspect the draft computation and respond to validation checks. Submit only after the taxpayer has reviewed the key figures and disclosures.
Successful upload is followed by mandatory verification through an eligible mode, such as Aadhaar OTP, bank-based EVC, net banking or an accepted physical verification route as applicable. Preserve the acknowledgement and later processing communications.
Inspect income and tax schedules.
Resolve filing errors before upload.
Complete a permitted method.
Retain ITR-V/receipt details.
Practical note: An uploaded but unverified return may be treated as invalid; check the prescribed verification rules for that year.
Following verification, track the return status, refund messages and any portal communication. Refund release depends on tax-credit matching, bank validation, department processing and other case-specific checks; avoid treating an estimated refund as a guaranteed amount.
If an omission or error becomes apparent, the appropriate route may involve a revised, belated or updated return, depending on year, eligibility and statutory restrictions. These are distinct legal processes and cannot be selected solely to maximise a refund.
Monitor acknowledgement and processing.
Keep a valid nominated bank account.
Correct eligible filed mistakes.
Assess restrictive legal conditions.
Practical note: For a department notice or demand dispute, use our separately approved Income Tax Notice Handling service.
Individuals meeting the relevant filing conditions should file. Filing can also be necessary in specified cases even where tax payable is nil; assess the applicable year and statutory criteria.
TDS is a tax credit, not a substitute for reporting all income and completing an income tax return where filing is required.
Eligibility depends on the gain type, amount and other ITR-1 conditions for that assessment year. Certain long-term gains may be permitted subject to conditions; short-term gains and other specified items can make ITR-1 ineligible.
Form choice depends on the types of capital gains, residential status and other conditions. ITR-2 is commonly relevant where there is no business or professional income and ITR-1 cannot be used.
Form 16 is an employer-issued salary and TDS certificate. Form 26AS is a tax statement of credited deductions and collections; compare both with the underlying records.
No. Check the underlying facts. AIS can contain duplicate or inaccurate reporting, but genuine income must still be disclosed even when it is missing from AIS.
The new regime is the default in the applicable framework, but eligible taxpayers may have an option to select the old regime. The choice and procedure depend on income type and year.
No. The return for FY 2025–26 / AY 2026–27 is governed by the Income-tax Act, 1961. Tax year 2026–27 falls under the 2025 Act.
No. Allowable deductions and exemptions depend on the selected regime and the relevant year. Each proposed claim needs eligibility review.
No. A return must be verified through an accepted method under the portal rules; an unverified return can be treated as invalid.
A revised or updated return may be available depending on the year, original filing, statutory eligibility and restrictions. The correct route should be checked before submission.
Yes. We can review an individual income profile, assess the relevant return form, organise support records and assist with compliant submission and verification.
Use the Income Tax Department’s official portal for year-specific ITR eligibility, filing rules, AIS/TIS, tax-regime options and return verification. The new Income-tax Act, 2025 operates alongside transition provisions for earlier years; always select the correct income year and corresponding legal framework.
For FY 2025–26 / AY 2026–27, use the provisions and ITR forms applicable under the Income-tax Act, 1961. For tax year 2026–27 and later, consult the updated 2025 Act framework and notified forms.
Online Tax Filings can help you review salary, pension, property, investments and other individual income records before choosing and preparing the appropriate return. Share an overview of your income sources and any filing question so our team can discuss the right next step.
Our discussion can cover return-form eligibility, TDS and AIS mismatches, deductions, tax regime comparison and electronic verification. NRI cases, business ITRs and income-tax notices follow their separately approved service workflows.
Protect your data: do not post passwords, OTPs, full PAN/Aadhaar details or source documents in the public enquiry form.
ITR FORM REVIEW · INCOME RECONCILIATION · E-FILING
Discuss salary, pension, rental receipts, interest, investments and relevant tax credits with our team before filing.
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