in Finance, Income Tax, India

File Income Tax Return Online

From assessment year 2013-14, E-filing has been made compulsory for the person who is an individual or a Hindu undivided family (HUF), if his or its total income, or the total income in respect of which he is or it is assessable under the act during the previous year, exceeds Rs. 5 lakh rupees for the assessment year 2013-14 onwards. It clearly states total income and not taxable income.

Please read below to know how you can file income tax return online yourself.


Calculate Income tax

You can calculate your income tax payable using the income tax calculator provided at this page: Income tax calculator. Income tax return excel utility also computes income tax, but they only take taxable income as input.
Also make sure that you also see whether the advance tax has been paid on time (See row 101-104 in tax calculator). In case you have paid the full tax but not paid on time as per the advance tax schedule, you are liable to pay interest under section 234 C. Income tax return excel utility also computes interest penalty u/s 234C.

Pay your tax online

Whatever pending amount you need to pay can be paid online on this link: Pay Taxes Online (Use only Internet explorer for this).
Select challan type as CHALLAN NO. /ITNS 280 and continue.
Select (0021) INCOME-TAX (OTHER THAN COMPANIES) in tax applicable field and
Select (300) SELF ASSESSMENT TAX in type of payment.
Select bank through which you want to pay.

Make sure to add interest penalty as computed by income tax return excel form u/s 234A, 234B and 234C in case of tax payments after due date.

You also pay through your net banking login on Axis Bank, Oriental Bank of Commerce, State Bank of Patiala, Bank of Baroda, IDBI Bank, State Bank of Mysore, Bank of Maharashtra, State Bank of Hyderabad, State Bank of Saurashtra, Union Bank of India, Allahabad Bank, Dena Bank, Syndicate Bank, ICICI Bank, State Bank of India, Punjab National Bank, Indian Overseas Bank, Canara Bank, Indian Bank, Bank of India, Corporation Bank, State Bank of Bikaner & Jaipur, State Bank of Travancore, State Bank of Indore, Vijaya Bank and HDFC Bank.

You can check online if your money has actually reached the I-T Department. For this you have to go to Tax Information Network Website and click the box CIN Based View. Provide details as per the receipt generated while online tax payment.

Fill Income tax return form

Download respective income tax form from income tax website. Income tax department has modified the return preparation software to include automatic calculation of tax and interest.

Income from Salary/Pension, interest and single house property ( but with exempt income is less than Rs. 5,000) : ITR-1

Income from more than one house property, capital gains, salaries, pension, interest and exempt income more than Rs 5,000: ITR-2

Income from partnership in a firm: ITR-3

Income from business/profession: ITR-4

Income from Presumptive Business: ITR-4S

Exempt income here includes transport/conveyance allowance, HRA exemption, agricultural income, insurance maturity amount, LTA, Gratuity, Interest on PPF balance, Leave Encashment, Income from Mutual Funds, Dividends and long term capital gains.

Fill up the form with information provided in Form-16 and the tax calculated in income tax calculator above in Step 1.

If you don’t know Assessing Officer (Ward / Circle), Find it here by submitting your PAN.

After filling up the form, Generate tax return XML from the income tax form by clicking Generate button on first sheet of excels form.

e-File income tax return

After you have created a XML file from income tax return excel form, Go to Income Tax e-Filing Website.
Create your login on this page on website. It’s not mandatory, to use a digital signature for electronically filing the return.

a) Filing return without digital signature:

Login to income tax site and click on assessment year under submit return menu on left side of page.
Upload the generated XML on this page for 2012-13 assessment year.
On successful upload acknowledgment details would be displayed.

Take printout of acknowledgment/ITR-V Form. You may also download it later. Login and go to link on top right My account > My Returns.

Form ITR-V has to be submitted with the Income tax Department as verification of the electronic filing of the return within 120 days after the date of e-Filing.

Form ITR-V is bar-coded, so it need not to be folded and to be mailed in a A4 size envelope BY ORDINARY or SPEED POST ONLY to “Income Tax Department – CPC, Post Box No – 1, Electronic City Post Office, Bengaluru – 560100, Karnataka” within 120 days after the date of e-filing of return. ITR-V sent by Registered Post or Courier will not be accepted. No Form ITR-V shall be received in any other office of the Income-tax Department or in any other manner. Please keep a copy of the same with you also. After some day of posting the ITR-V, you can check status of receipt by going into account ‘My Account’ -> ‘E-filing Process Status’.

From year 2012-13, even if a person does not have digital signature, he can file online and even does not need to send ITR-V copy to Bangalore CPC (Central processing centre) address.

An electronic signature would be generated online in income tax efiling website after providing certain information from previous year’s income tax return. On validation of such information, unique PIN would be provided to person on email/SMS. This PIN can be used to file income tax return online without needing digital signature. This will also make sure no further hard copy needs to be sent to department.

b) Filing return with digital signature:

In case you don’t have digital signature and you want to buy that, you can buy class 2 or class 3. You can buy digital signature on e-Mudhra website . Class 2 individual certificate is available for Rs. 285 for 1 year validity.

In case return is filed with digital signature, user may take a printout of the Acknowledgment for his record. The tax-payer is not required to submit the Form ITR-V with the Income-tax Department.

Income tax department call center:

To assist taxpayers, a limited call center service has been established at ITD-CPC, Bangalore. Taxpayer queries on status of ITR-V receipt at CPC, Bangalore will be answered on 080-43456700 between 9:30 AM to 6 PM. The service will be available in English, Hindi and Kannada.

One may also call on 1800-425-2229 (Toll free) or 080-43456700 for status of receipt of ITR-V at CPC, Processing status of e-filed returns, Refund issues and any other information related to processing of returns at CPC.  The working hours of CPC Call center have been extended to 9AM-8PM on all working days.

I hope this article will help many of us and make tax filing Simple & Easy. So please this year Do-It-Yourself.

Feel free to comment/suggest anything that I may have missed.

Note : No hard copy of any kind of proof needs to be submitted along with Income tax return.

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  1. My brother is a doctor. He got stipend 25,000/- p.m. from may 2010 to april,2013 with tax reduced as TDS every year. But he has not collected any TDS slip from college (thus no record of stipend and TDS). From april,2013 onward he is getting salary of about 1 lac/month and TDS is deducted every time. His PAN card was issued in Aug,2013. He has never filed ITR .
    Now my question is how to file ITR for first time? Can it be filled online? As PAN card was issued after college, do he need to file ITR only after Aud, 2013 ? I have heard that Stipend is not counted as salary.
    Can he file ITR online from Aug,2013 i.e. after issue of PAN card?

  2. Pankaj,

    I have one query on second flat which i purchased Oct 2015. How to claim the interest and how to calculate annual letble value in my case. Monthly Rental income is 9000 pm. considering this shall i say annual let-able value = 108000 and rent which can not be realised = 63000/- Is it right??? if not what should i fill.

    Can i claim stamp duty and registration on second flat this year, if yes in which section i should add stamp duty and registration in ITR2 to get the tax benefit???

    • @Jeevan
      If house is given on rent, you should fill actual rent. Else a notional rental value would be used.
      Yes, you can claim tax deduction u/s 80C for stamp duty and registration.

  3. Hi Pankaj,

    I started with my employment in Dec 2011 (FY 2011 – 12). In that financial year, TDS was deducted from my salary. With the help of an agent, who was arranged by my employer, I received the refund which means the agent filed my IT returns for that financial year (FY 2011 – 12). I was unaware about this and since then, was under the impression that IT returns are filled by the employer on my behalf. As a result, I did not file my IT returns since then till I realized this yesterday. Following are my questions regarding my situation:

    1. AY 2012 – 13: Returns submitted by the agent and refund received
    2. AY 2013 – 14: Returns not submitted, Form 16 available, No taxable income
    3. AY 2014 – 15: Returns not submitted, Form 16 available, Rs. 4420 tax paid
    4. AY 2015 – 16: Going to file my returns on my own

    How do you advise me to deal with 1, 2 and 3 above? Which forms are to be used for the respective years if I have to submit the belated returns and what are the repercussions? Your detailed reply would help me to regularize the matter.


    • @Ravi
      1st is already clear
      2nd case and 3rd case: If total income does not exceed Rs 5 lakh, all taxes have been paid and the annual interest earned from savings bank account is less than Rs 10,000; then filing return was not mandatory.
      In case you fall into category where return was mandatory, then you should file belated return. There won’t be any penalty for AY 2014-15, but for AY 2012-13, IT department may ask for Rs 5000 for late filing.

      • Thank you for the assistance. I have one more problem:
        I am now submitting Belated Return for AY 2014-15. FORM 16 – PART ‘B’ ANNEXURE provided by my employer says that my Taxable Income is Rs. 62,860 and Tax on Total Income after Tax Credit is Rs. 4,285 + Rs. 129 ECess, Total Tax Payable Rs. 4,415.00 and TDS is Rs. 4,420 and Tax Payable/Refundable is Rs. 5.00.
        Whereas in FORM 16 says Taxable Income is Rs. 67,790 and TDS is Rs. 4,420.00. He uploaded the Form 16 PART “A” only without PART “B”.
        Obviously, my employer has done a mistake in computing my Taxable Income. He raised my Taxable Income by Rs. 4,930.00.
        As per Traces Form 26AS, I have to pay Rs. 4,923.00. An amount of Rs. 503 tax is to be paid now.
        Kindly clarify whether I have to pay Rs. 503 tax only or any interest on Rs. 503.00.
        In the absence of FORM 16 – PART B in TRACES Form 26AS, I can not prove that my Taxable Income is Rs. 62,860 (but not Rs. 67,790), So I decided to pay outstanding tax of Rs. 503.00.
        He has also done a mistake in computing the tax on the Total Income. Please help me as I am confused between two contradictory statements declared by my employer.

  4. Sir,
    My colleague has received notice for non-filing of returns for Assessment Years 2011-12 and 2012-13.
    It has been found that my colleague has prepared the ITR returns on excel file but forgot to upload the return.
    Now can we upload the returns of 2011-12 and 2012-13..
    Please advice further process in this regard.

      • Thanks. One more question, we have received demand notice 143 from ITD but they have not deducted amount under Relief u/s 89 hence the demand came.

        How to rectify the Relief u/s89.

  5. Sir
    I applied for itrv assessment year 2013-14 to Bangalore CPC on Feb 15 and it was accepted on mar 15.
    Now from CPC it was transferred to jurisdiction assessing officer on Apr 15 and till itr v is pending in AO office
    Pls help me sir
    Thank u

  6. Hi Pankaj,

    I’ve paid my self assessment tax through online. I got following from Axis bank after challan payment in a single line which has confused me. BSRCode Tender Date Challan No CIN: 63602181708201516200. does this mean BSR code is 6360218, date is 17082015, Challan no 16200. I need to fill Challan number as 280(Incometax challan number which we select to pay self assessment tax) or 16200

  7. Hi Pankaj,

    Hope you are doing well!

    My CA has filed my ITR for A.Y.2009-10 physically (not online) for which, I got a demand letter from Income Tax Dept. I figured out that my CA missed to mention the tax paid in Bank after imcome tax calculation. As he has missed in filing the ITR, so it was not calculed and consequently, tax demand has been generated by Income Tax Dept.

    Well, I can see the entry of the same tax paid in bank, is available in my Form 26AS against A.Y.2009-10. I tried to speak with CPC and they said, that demand has been raised by your A.O., so you need to get in touch with him locally. I tried to send couples of e-mails to CPC and IT customer care team but no luck with all.

    In this case, what do you suggest? Should I re-submit/re-file the ITR for A.Y.2009-10?

  8. Hi,

    I have a total of 11560 rs as the residual income tax (As bank deduct only 10% tax on FD and I am in 20% slab and saving bank account interest). How can I break it into educational cess and surcharge and basic tax? Is it necessary to break down the tax into its components while filling form 280 or we can put entire amount as base income tax and leave the educational cess and surcharge field as blank? Does it matter?

  9. Sir,
    I filed ITR on behalf of my colleague this year. Now we received intimation u/s143 (1) of Income Tax wherein my colleague has advised to pay Rs.45000/- as demand notice.
    Actually, while assesing tax IT Deptt. has left the amount of Rs.42296/ which we have written under Relief U/s89. As per our records no demand no refund has been shown.

    Please advice how to rectify this amount.

  10. While assessing tax by IT Deptt. Relief u/s89 has not been taken into account and demand has been sent./
    Sir,How to rectify the same.

  11. Good evening Batra ji,
    your mobile no.and address pl send required for ITR AY 2011-12 & 2012-13,ITR paper filling in 2015,yet not reply/refund receive from IT department, letter, reminder,re-reminder given to IT department ,regd.

  12. Hi Pankaj,

    last year (May16) i had transferred my flat to a new owner (the registry in my name was not done), the owner had deducted 1% TDS and has deposited the same ( I can see it in the Form 26AS, since I had done the transferred at the loss i wanted to claim the TDS amount, while filing the return this year, I entered the details of the TDS but I got a advance tax mismatch, Please let me know the process for claiming the TDS deducted for sale of immovable property

    thanks a lot

    • @Vaibhav
      While filing income tax return, you first need to show capital loss on property sale. As there would not be any tax (as its not a gain), automatically, the TDS deposited would show up as refund.