Who must file an income tax return?

A person must file an ITR when income, assets, transactions, business status, foreign holdings, or other prescribed conditions trigger a filing requirement. Filing can also be useful below the basic exemption limit to claim a TDS refund, carry forward eligible losses, document income for loans or visas, or report specified foreign assets. A CA should review the complete facts rather than relying only on salary amount.

What is the ITR filing deadline and late fee?

For most individuals filing ITR-1 or ITR-2 without audit, the standard due date is July 31 following the financial year. Section 234F can impose a late fee of up to ₹5,000, reduced to ₹1,000 where total income does not exceed ₹5 lakh. Audit, transfer-pricing, and certain business cases follow different dates, and interest or loss-carry-forward restrictions can apply separately.

Should I choose the new or old tax regime?

The better regime depends on salary structure, deductions, exemptions, house-property results, special-rate income, and business status. The new regime has lower slab rates and limited deductions, while the old regime can reward substantial claims such as HRA, Section 80C, Section 80D, and eligible home-loan benefits. We compute both before filing and share the comparison for approval.

Which ITR form applies to me?

The correct form depends on residential status, income heads, business or professional activity, capital gains, foreign assets, directorships, and other disclosures. ITR-1 and ITR-4 have restrictive eligibility conditions, while ITR-2 and ITR-3 cover more complex cases. Using an ineligible form can make the return defective or leave income unreported.

Can I file ITR without Form 16?

Yes. Form 16 is useful but it is not the only source for preparing an ITR. Salary slips, AIS, TIS, Form 26AS, bank statements, tax challans, and employer records can be reconciled to compute salary and TDS, including where an employer did not issue Form 16 or the taxpayer changed jobs.

What is the difference between a belated return and ITR-U?

A belated return is filed after the original due date but within the ordinary statutory window and can generally claim an eligible refund. ITR-U is an updated-return route for older omissions and can extend up to 48 months, but it carries additional tax and cannot be used to create or increase a refund. The correct route depends on the assessment year and intended correction.

Is a DSC required for ITR filing?

Most individuals can e-verify through Aadhaar OTP, bank account, demat account, or other permitted methods. A digital signature certificate is mandatory for specified taxpayers, including companies and many tax-audit cases. ComplyLocal can issue and configure a Class 3 DSC in-house when the filing requires one.

How long does an income tax refund take?

Refund timing depends on successful e-verification, CPC processing, bank validation, AIS and TDS matching, and whether any outstanding demand is adjusted. Straightforward returns may process in weeks, while mismatches or verification checks can take longer. We track the acknowledgement and processing status until the outcome is visible.

What happens when AIS and Form 26AS do not match my records?

AIS, TIS, Form 26AS, Form 16, broker statements, and bank records should be reconciled before filing. A mismatch may arise from delayed reporting, duplicate entries, incorrect PAN reporting, or missing TDS credit. The return should use legally supportable figures while the source mismatch is corrected or explained.

How are F&O transactions reported in ITR?

Futures and options activity is generally reported as business income, with turnover calculated using applicable tax-audit guidance rather than only sale value. Expenses, losses, books, audit applicability, and loss carry-forward must be reviewed together. Treating F&O solely as capital gains can produce the wrong form and compliance result.

When does an NRI need to file an Indian ITR?

An NRI may need to file for taxable Indian salary, rent, capital gains, interest, business income, or a refund of excess TDS. Residential status, treaty relief, foreign tax credit, and special rates can materially change the computation. Foreign income is not automatically taxable in India merely because an Indian return is filed.

How is ITR filed for a deceased person?

The legal heir registers on the Income Tax portal and files the return for income earned up to the date of death, with later estate income considered separately where applicable. The process requires death and heirship records plus access to tax information. Refunds, demands, and notices should be handled through the registered legal-heir account.

Why use a CA instead of an ITR app?

Software can collect entries, but a CA can question inconsistent data, identify a wrong income head, evaluate both regimes, test deduction evidence, and own the reasoning behind the return. Complex salary, business, capital-gain, F&O, NRI, or mismatch cases benefit from professional judgment. The person reviewing the return also remains available if CPC raises a defect or notice.

Which documents are needed for ITR filing?

Common documents include PAN, Aadhaar, Form 16, AIS, TIS, Form 26AS, bank statements, interest certificates, deduction proofs, tax challans, and prior-return details. Business, capital-gain, F&O, property, or NRI cases additionally need books, broker reports, purchase records, rent or loan statements, and foreign or treaty documents. We issue a case-specific checklist after the first review.

Personally reviewed and filed by Chartered Accountants

Expert CA-Filed ITR forSalaried Professionals

Filed by Chartered Accountants. Not by algorithms. Your refund deserves a human expert — and you just found the right place.

Every return is reconciled against AIS, TIS, Form 26AS, and your source records before a CA computes both tax regimes. You approve the draft, we file and e-verify it, and the same team remains accountable through processing and refund.

Both tax regimes computed
Every legal deduction reviewed
Draft shared before filing
Notice support included

TRUSTED BY PROFESSIONALS & BUSINESSES

Real tax experts behind every return

₹12.75L

Potentially tax-free salary

New regime, subject to eligibility

CA-filed

Never bot-filed

A professional owns the computation

Both regimes

Compared before filing

The lower lawful outcome is selected

31 July

Standard non-audit deadline

For most ITR-1 and ITR-2 filers

WHERE HUMAN REVIEW PAYS

Tax situations an app should not guess through

Each starts as a simple filing request and becomes valuable when a CA joins the facts correctly.

When

Form 16 received

The issue

A refund is expected, but regime and deduction choices are unclear

We do

Both regimes computed and the return filed for the best lawful result

When

F&O losses unreported

The issue

Broker turnover, expenses, audit, and loss carry-forward need structuring

We do

Business schedules and eligible losses reported correctly

When

Last year's deadline missed

The issue

The ordinary filing window has closed and older income remains unreported

We do

Belated, revised, or ITR-U route selected after eligibility review

When

TDS deducted below taxable limit

The issue

Tax was withheld even though final liability may be nil

We do

Refund-only return prepared and credit reconciled

WHO WE FILE FOR

One CA-led process, shaped around your income

The ITR form is only the container. The real work is classifying each income stream, credit, deduction, and disclosure correctly.

Salaried professionals

Single or multiple Form 16s, job changes, bonuses, ESOPs, rent, deductions, and TDS are reconciled into one return. We compare both regimes and explain the difference before filing.

Business owners & presumptive filers

Books, bank flows, GST data, Section 44AD or 44ADA eligibility, depreciation, and tax-audit exposure are reviewed together. Presumptive taxation is chosen only when it genuinely fits.

Capital gains & F&O traders

Broker statements are separated into delivery, intraday, derivatives, and other assets, with turnover and loss treatment checked. We preserve eligible set-off and carry-forward through the correct form.

NRIs & foreign-income cases

Residential status, Indian-source income, treaty relief, foreign tax credit, asset disclosures, and special rates receive a cross-border review. The return reports what India requires without importing assumptions from another country.

Freelancers & professionals

Professional receipts, foreign payments, expenses, TDS, GST links, and Section 44ADA are assessed as a complete picture. Advance and self-assessment tax are reconciled before filing.

Senior citizens & pensioners

Pension, interest, medical deductions, capital gains, and rebate eligibility are reviewed with age-specific rules and documentation. The process remains fully assisted from collection to e-verification.

FY 2025-26 TAX RATES

Income Tax Slabs FY 2025-26 (AY 2026-27)

Which regime saves you more depends on income composition and deductions, not a generic calculator result. Our CAs compute both regimes with every filing and choose the lower lawful tax outcome with you.

New Regime slab rates

Taxable income	Rate
Up to ₹4 lakh	Nil
₹4 lakh to ₹8 lakh	5%
₹8 lakh to ₹12 lakh	10%
₹12 lakh to ₹16 lakh	15%
₹16 lakh to ₹20 lakh	20%
₹20 lakh to ₹24 lakh	25%
Above ₹24 lakh	30%

Section 87A can reduce tax to zero for eligible resident individuals with total income up to ₹12 lakh. With the ₹75,000 standard deduction, eligible salaried taxpayers can have salary income up to ₹12.75 lakh without tax, subject to special-rate income and other conditions.

Rates exclude surcharge and cess. Rebate eligibility and tax on special-rate income require case-specific computation.

ONE EXPERT TEAM

Everything income-tax, one expert team

Filing, payment, correction, notice, refund, and cross-border work stay connected to the same tax record.

Filing

ITR across all income headsSalary, house property, business, profession, capital gains, F&O, and other income reviewed together.Belated, revised & ITR-UThe correct statutory route selected for a missed date, wrong statement, or older unreported income.Defective return reply — 139(9)Defect diagnosed, corrected return prepared, and response filed within the portal deadline.

Deceased-person ITRLegal-heir registration and return support for income up to the date of death.

Planning & Payments

Tax planningBoth regimes compared with deductions, exemptions, special rates, and cash-flow needs.

Advance & self-assessment taxLiability calculated, challan mapped, and payment evidence reconciled before filing.

Previous-year TDS claimsEligible unclaimed credits analysed with the return and correction routes available.

Notices & Demands

Outstanding demand responseDemand matched to orders, challans, credits, and prior returns before response.

Scrutiny & faceless proceedingsCA-led submissions, evidence docketing, and response strategy for proceedings.

Refund issuesReissue, validation, adjustment, and mismatch support when the expected refund stalls.

Certificates & Cross-Border

Form 15CA/CBForeign-remittance tax review and certificate support based on payment character and treaty position.

Lower deduction certificateApplication support for lower or nil TDS/TCS where the statutory conditions are met.

PAN linkage & project reportsAadhaar-PAN linkage, project reports, and CMA data coordinated with tax records.

Your return deserves professional judgment, not a default setting.

HUMAN JUDGMENT

Why a CA beats an app

Tax software can ask questions. A Chartered Accountant can notice that the answers contradict AIS, that a deduction needs stronger evidence, or that the cheaper regime changes after one capital-gain entry.

AIS, Form 26AS, TIS, bank, and broker mismatches reviewed before filing
Deductions and loss treatment examined beyond a generic questionnaire
Regime optimisation based on the complete facts and your approval
A named professional remains accountable if CPC asks a question

Get a CA review

HOW WE FILE

You approve the numbers before we submit

A disciplined review process keeps the return accurate, explainable, and ready for processing.

1
Share documents securely
Step 1
Send Form 16, AIS, broker P&L, bank statements, and supporting records through the agreed secure channel.
- Case-specific checklist
- Prior return and notice review
2
A dedicated CA computes both regimes
Step 2
Income heads, credits, deductions, losses, and disclosures are reconciled before tax is finalised.
- AIS and 26AS matched
- Old versus new regime comparison
3
Review your draft computation
Step 3
We explain the result and share the draft for your approval before any return is submitted.
- Refund or tax payable explained
- Questions resolved before filing
4
File and e-verify
Step 4
The approved return is filed and verified through Aadhaar OTP or DSC where mandatory.
- DSC issued in-house when needed
- Acknowledgement preserved
5
Track processing and refund
Step 5
We monitor CPC status, refund movement, and immediate defects until the filing reaches a clear outcome.
- Bank validation checked
- Closure record archived

VERIFICATION HANDLED

With DSC or without — both handled

The return is not complete until verification succeeds. We select the permitted method and solve the certificate requirement in-house when one applies.

Aadhaar OTP for most individuals

Eligible individual returns can usually be e-verified quickly through Aadhaar-linked mobile authentication or another permitted electronic method.

DSC for audit cases and companies

Companies and specified tax-audit filers must verify with a valid digital signature certificate rather than relying on Aadhaar OTP.

Class 3 DSC issued in-house

Where a certificate is missing or expired, we can issue and configure a Class 3 DSC without sending the filing to another provider.

Reconciliation record retained

AIS, Form 26AS, computation, challans, acknowledgement, and verification evidence are organised for later processing or notice support.

Get a Class 3 DSC

From TDS credit to bank credit, we follow the entire trail.

REFUND SUPPORT

Your refund, fought for

A refund is not just the number shown by software. It depends on credits matching, bank validation, demand adjustments, prior-year claims, and a return that supports the amount requested.

Previous-year TDS and omitted credit recovery routes reviewed
Refund reissue and bank-validation failures diagnosed
Incorrect demand adjustments matched against orders and challans
Processing tracked until the refund or reason for delay is visible

Review my refund

CLIENT STORIES

What changes when a real expert files

Taxpayers come for filing and remember the clarity, ownership, and follow-through.

Google

Customer Feedback

4.9· 500+ reviews

R
Rahul Mehta
Gurugram
G
“My two Form 16s and capital gains were reconciled by a CA, and I saw both regime computations before approving the return.”
Salaried ITR
N
Neha Shah
Mumbai
G
“The team corrected my F&O reporting and explained the loss carry-forward instead of pushing me through a questionnaire.”
F&O ITR
A
Arjun Nair
Bengaluru
G
“They found a missing TDS credit, filed the right claim, and kept tracking the refund until it reached my bank.”
Refund Filing

FAQ

Income tax return filing, without the guesswork

Self-contained answers on forms, regimes, deadlines, documents, refunds, F&O, NRI filings, and verification.

Fast answersExpert support

A person must file an ITR when income, assets, transactions, business status, foreign holdings, or other prescribed conditions trigger a filing requirement. Filing can also be useful below the basic exemption limit to claim a TDS refund, carry forward eligible losses, document income for loans or visas, or report specified foreign assets. A CA should review the complete facts rather than relying only on salary amount.
For most individuals filing ITR-1 or ITR-2 without audit, the standard due date is July 31 following the financial year. Section 234F can impose a late fee of up to ₹5,000, reduced to ₹1,000 where total income does not exceed ₹5 lakh. Audit, transfer-pricing, and certain business cases follow different dates, and interest or loss-carry-forward restrictions can apply separately.
The better regime depends on salary structure, deductions, exemptions, house-property results, special-rate income, and business status. The new regime has lower slab rates and limited deductions, while the old regime can reward substantial claims such as HRA, Section 80C, Section 80D, and eligible home-loan benefits. We compute both before filing and share the comparison for approval.
The correct form depends on residential status, income heads, business or professional activity, capital gains, foreign assets, directorships, and other disclosures. ITR-1 and ITR-4 have restrictive eligibility conditions, while ITR-2 and ITR-3 cover more complex cases. Using an ineligible form can make the return defective or leave income unreported.
Yes. Form 16 is useful but it is not the only source for preparing an ITR. Salary slips, AIS, TIS, Form 26AS, bank statements, tax challans, and employer records can be reconciled to compute salary and TDS, including where an employer did not issue Form 16 or the taxpayer changed jobs.
A belated return is filed after the original due date but within the ordinary statutory window and can generally claim an eligible refund. ITR-U is an updated-return route for older omissions and can extend up to 48 months, but it carries additional tax and cannot be used to create or increase a refund. The correct route depends on the assessment year and intended correction.
Most individuals can e-verify through Aadhaar OTP, bank account, demat account, or other permitted methods. A digital signature certificate is mandatory for specified taxpayers, including companies and many tax-audit cases. ComplyLocal can issue and configure a Class 3 DSC in-house when the filing requires one.
Refund timing depends on successful e-verification, CPC processing, bank validation, AIS and TDS matching, and whether any outstanding demand is adjusted. Straightforward returns may process in weeks, while mismatches or verification checks can take longer. We track the acknowledgement and processing status until the outcome is visible.
AIS, TIS, Form 26AS, Form 16, broker statements, and bank records should be reconciled before filing. A mismatch may arise from delayed reporting, duplicate entries, incorrect PAN reporting, or missing TDS credit. The return should use legally supportable figures while the source mismatch is corrected or explained.
Futures and options activity is generally reported as business income, with turnover calculated using applicable tax-audit guidance rather than only sale value. Expenses, losses, books, audit applicability, and loss carry-forward must be reviewed together. Treating F&O solely as capital gains can produce the wrong form and compliance result.
An NRI may need to file for taxable Indian salary, rent, capital gains, interest, business income, or a refund of excess TDS. Residential status, treaty relief, foreign tax credit, and special rates can materially change the computation. Foreign income is not automatically taxable in India merely because an Indian return is filed.
The legal heir registers on the Income Tax portal and files the return for income earned up to the date of death, with later estate income considered separately where applicable. The process requires death and heirship records plus access to tax information. Refunds, demands, and notices should be handled through the registered legal-heir account.
Software can collect entries, but a CA can question inconsistent data, identify a wrong income head, evaluate both regimes, test deduction evidence, and own the reasoning behind the return. Complex salary, business, capital-gain, F&O, NRI, or mismatch cases benefit from professional judgment. The person reviewing the return also remains available if CPC raises a defect or notice.
Common documents include PAN, Aadhaar, Form 16, AIS, TIS, Form 26AS, bank statements, interest certificates, deduction proofs, tax challans, and prior-return details. Business, capital-gain, F&O, property, or NRI cases additionally need books, broker reports, purchase records, rent or loan statements, and foreign or treaty documents. We issue a case-specific checklist after the first review.

CONNECTED TAX SERVICES

Everything around your return, connected

Tax Compliance

Identity & Verification

Business Tax

GST Registration

This year, let a real CA find what the apps miss.

Share the facts once. Get both regimes computed, a draft you understand, and a Chartered Accountant accountable for the filing.

Start my ITR Call our tax team

CA review, e-verification, acknowledgement, and processing support included

Let a CA review your ITR

Real tax experts behind every return

Potentially tax-free salary

Never bot-filed

Compared before filing

Standard non-audit deadline

Tax situations an app should not guess through

One CA-led process, shaped around your income

Salaried professionals

Business owners & presumptive filers

Capital gains & F&O traders

NRIs & foreign-income cases

Freelancers & professionals

Senior citizens & pensioners

Income Tax Slabs FY 2025-26 (AY 2026-27)

New Regime slab rates

Everything income-tax, one expert team

Why a CA beats an app

You approve the numbers before we submit

Share documents securely

A dedicated CA computes both regimes

Review your draft computation

File and e-verify

Track processing and refund

With DSC or without — both handled

Aadhaar OTP for most individuals

DSC for audit cases and companies

Class 3 DSC issued in-house

Reconciliation record retained

Your refund, fought for

What changes when a real expert files

Income tax return filing, without the guesswork

01Who must file an income tax return?

02What is the ITR filing deadline and late fee?

03Should I choose the new or old tax regime?

04Which ITR form applies to me?

05Can I file ITR without Form 16?

06What is the difference between a belated return and ITR-U?

07Is a DSC required for ITR filing?

08How long does an income tax refund take?

09What happens when AIS and Form 26AS do not match my records?

10How are F&O transactions reported in ITR?

11When does an NRI need to file an Indian ITR?

12How is ITR filed for a deceased person?

13Why use a CA instead of an ITR app?

14Which documents are needed for ITR filing?

Everything around your return, connected

Tax Compliance

Identity & Verification

Business Tax

This year, let a real CA find what the apps miss.

Income tax return filing, without the guesswork

01Who must file an income tax return?

02What is the ITR filing deadline and late fee?

03Should I choose the new or old tax regime?

04Which ITR form applies to me?

05Can I file ITR without Form 16?

06What is the difference between a belated return and ITR-U?

07Is a DSC required for ITR filing?

08How long does an income tax refund take?

09What happens when AIS and Form 26AS do not match my records?

10How are F&O transactions reported in ITR?

11When does an NRI need to file an Indian ITR?

12How is ITR filed for a deceased person?

13Why use a CA instead of an ITR app?

14Which documents are needed for ITR filing?