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Average RatingEligibility
Even if your employer deducts TDS, filing ITR for FY 2025-26 is mandatory in several cases — and always beneficial.
New regime (default): income > ₹4L (Finance Act 2025)
Old regime: > ₹2.5L (below 60), > ₹3L (60–79), > ₹5L (80+)
Bank deposit > ₹1 crore or electricity bill > ₹1 lakh
Foreign travel expense > ₹2 lakh in the year
Signing authority in a foreign account
Carrying forward capital losses to next year
Claim TDS refund even below exemption limit
Visa applications — most embassies need 3-yr ITR
Home or car loan application
Freelancers with TDS deducted by clients
Capital gains on MF, stocks, or property
Establishing proof of income (self-employed)
₹1,000–₹5,000 late fee under Section 234F
1% per month interest on unpaid tax (234A)
Cannot carry forward capital losses
IT Department notice for high-value credits
Prosecution for wilful non-filing
Ineligible for certain tenders / contracts
Our guided self-filing flow is built for salaried individuals, pensioners, and anyone with straightforward income. Auto-fill from Form 26AS and AIS, smart deduction prompts, and one-click e-verification — file in under 30 minutes.
Best for ITR-1 and ITR-2 (simple cases)
Pre-fills salary, TDS, and interest from 26AS/AIS
Smart deduction assistant — 80C, 80D, HRA, NPS
Instant tax computation — old vs new regime
Direct e-verification via Aadhaar OTP
Completely free — no hidden charges
01
Sign in at reducetax.in. First-time users complete a quick profile with PAN and basic income details.
02
Our smart wizard auto-suggests the right form — ITR-1 for salaried, ITR-2 for capital gains, ITR-3 for business income.
03
We pull your Form 26AS, AIS, and TIS data automatically. Review pre-filled salary, TDS, and interest income.
04
Enter 80C investments (ELSS, PPF, LIC), 80D premiums, HRA, home loan interest, and NPS contributions.
05
See your tax liability or refund instantly. Submit directly to the Income Tax Department portal in one click.
06
Verify via Aadhaar OTP, net banking, or DSC. ITR-V confirmation arrives in your registered email within minutes.
01
Select your plan and upload documents — Form 16, bank statements, capital gain statements, rent receipts — via our secure portal.
02
A qualified Chartered Accountant is assigned within 2 hours. You can chat directly with your CA for any clarifications.
03
Your CA reviews all income sources, identifies every eligible deduction, and prepares the computation sheet for your approval.
04
We share the tax computation and filing summary. You approve — or request changes — before anything is submitted.
05
Your CA files the return and completes e-verification on your behalf. Acknowledgement (ITR-V) shared immediately.
06
We assist with any Income Tax Department notices, intimations under Section 143(1), or refund follow-ups — free of charge.
Hand your documents to a qualified CA and relax. Ideal for capital gains, business income, NRI taxation, multiple employers, or any situation where one error can cost you thousands.
Dedicated CA handles everything end-to-end
Covers all ITR forms — ITR-1, 2, 3, 4
Capital gains optimisation — loss set-off & carry-forward
Regime selection — CA picks whichever saves more tax
Full AIS / 26AS reconciliation before filing
Post-filing notice support included
Pricing
All-inclusive — CA fees, filing charges, and post-filing notice support included. Prices exclusive of 18% GST. Discounts applied automatically if active offers are available.
Best for salaried individuals with a single employer and straightforward finances.
₹1,274
+ GSTITR-1 / ITR-2 filing
Form 16 & 26AS review
80C, 80D, HRA deductions
Standard deduction claim
e-Verification & ITR-V
Notice support included
Perfect for investors with stocks, mutual funds, property, or crypto gains.
₹4,159
+ GSTITR-2 filing
STCG & LTCG computation
Equity / MF / Property / crypto gains
Set-off & carry-forward of losses
Digital virtual assets declaration
All Chapter VI-A deductions
For entrepreneurs, freelancers, consultants, and self-employed professionals.
₹2,599
+ GSTITR-3 / ITR-4 filing
Business income computation
Presumptive taxation (44AD/44ADA)
Expense deductions & depreciation
GST reconciliation check
Previous year ITR examination
Tailored for NRIs with Indian income — rent, interest, dividends, or capital gains.
₹7,799
+ GSTNRI-specific ITR-2 filing
DTAA benefit application
Foreign income declaration
TRC & Form 15CA/15CB support
Digital virtual assets reporting
Repatriation guidance
Comprehensive plan for foreign income, foreign assets schedule, Form 67, and foreign tax credit.
₹10,399
+ GSTITR-2 / ITR-3 with Schedule FA
Foreign income & asset declaration
Foreign tax credit (Form 67)
DTAA benefit application
Tax Deduction Maximisation
Previous year ITR examination
Not sure which plan fits?
Which is right for you?
Pick the option that matches your income complexity and comfort level.
| Factor | Self Filing — Free | CA-Assisted — ₹1,274+ |
|---|---|---|
| Best for | Salaried (single employer), pensioners, simple cases | Capital gains, business income, NRI, foreign income, multiple Form 16s |
| ITR Forms | ITR-1 and ITR-4 | All forms — ITR-1, 2, 3, 4 |
| Starting price | Free | ₹1,274 (+ GST) |
| Time required | 20–45 minutes of your time | Zero effort — just upload docs |
| Deduction optimisation | You enter what you know | CA finds every eligible deduction proactively |
| Regime selection | You decide | CA computes both and picks the better one |
| Error risk | Possible with complex income | Minimal — CA reviews before filing |
| Notice support | Self-manage | Included in all plans |
| Capital gains | Basic manual entry | Full set-off, carry-forward, DTAA |
ITR Forms
Selecting the wrong form is one of the most common filing errors. Use this guide for AY 2026-27.
Salaried individuals, one house property, interest income, agricultural income ≤ ₹5,000
Total income ≤ ₹50 lakh
Capital gains, business income, foreign income
Capital gains from stocks/property/MF, multiple house properties, directorship, foreign income
No income limit
Business/professional income (use ITR-3)
Business income, professional income, partnership firms, intraday trading
No income limit
Presumptive tax filers (use ITR-4)
Presumptive income under Sections 44AD, 44ADA, or 44AE — small business & professionals
Turnover ≤ ₹3 crore (business, 44AD) / ₹75 lakh (professionals, 44ADA) — if ≥ 95% receipts are digital; otherwise ₹2 crore / ₹75 lakh
Capital gains, directorship, foreign assets
Tax Deductions
Key deductions available for FY 2025-26. Our CAs ensure every eligible deduction is claimed before filing.
PPF, ELSS, LIC, EPF, NSC, home loan principal, 5-yr FD, Sukanya Samriddhi
Combine ELSS (market-linked) + PPF (risk-free) to max ₹1.5L easily.
NPS (National Pension System) personal contribution — over and above 80C limit
Old regime only. Under new regime, only employer NPS contribution under Sec 80CCD(2) is deductible — not personal contributions.
Health insurance premium, preventive health check-up (₹5,000 sub-limit)
Pay premium for parents separately to claim the extra ₹25K — ₹75K total if both you and senior parents are covered.
Home loan interest for self-occupied or let-out property
Let-out property has no interest cap — full interest is deductible against rental income after standard 30% deduction.
Rent paid for rented accommodation — not applicable if you own and live in the same property
Collect rent receipts every month; obtain landlord PAN if annual rent exceeds ₹1 lakh.
Education loan interest for higher education of self, spouse, children, or ward
Claim from the year repayment begins — available for 8 consecutive assessment years from year 1 of repayment.
Donations to approved charities, PM Relief Fund, PMNRF, etc.
Verify the donee's 80G approval on the IT e-filing portal before donating — approvals have expiry dates.
Auto-applied for all salaried employees and pensioners — no proof or claim required
New regime: effectively zero tax up to ₹12.75L for salaried (₹12L rebate + ₹75K deduction) under Finance Act 2025.
Employer's NPS contribution to employee's Tier-I NPS account (Section 80CCD(2))
Available under BOTH regimes — negotiate a higher employer NPS contribution to reduce taxable salary legally.
Document Checklist
Keep these ready before you start — it takes just a few minutes to gather once organised.
Form 16 (Part A + B) from employer
Form 26AS / AIS from IT portal
Salary slips (if Form 16 not available)
Rent receipts & landlord PAN (for HRA)
Investment proofs — 80C, 80D, NPS
Home loan interest certificate (Section 24)
Bank account statements (savings interest)
PAN & Aadhaar
Form 26AS (TDS on professional fees)
Profit & Loss account
Balance sheet (if applicable)
GST returns (GSTR-1, GSTR-3B)
Business expense invoices
Bank statements (all accounts)
Equity broker capital gain statement
Mutual fund capital gain statement (CAMS/KFintech)
Property sale deed & purchase cost proof
Stamp duty & registration charges receipt
Cost of improvement receipts (for property)
Form 26AS (TDS on property sale ≥ ₹50L)
Passport & visa / residential status certificate
Indian income sources (rent, interest, dividends)
Capital gain statements for Indian investments
DTAA details from country of residence
TRC (Tax Residency Certificate)
Form 15CA/15CB (for fund repatriation)
Schedule FA — details of all foreign assets held
Foreign bank account statements
Foreign salary or business income documents
Form 67 — foreign tax credit claim
TRC from foreign country (for DTAA claim)
Form 15CB from CA (for remittances abroad)
Due Dates & Penalties
Miss the due date and you pay — in fees, interest, and lost carry-forward benefits.
Individuals & HUFs (no audit required)
Businesses requiring audit under IT Act
Transfer pricing cases
Last date — belated or revised returns
| If you miss filing | Consequence | Avoid by |
|---|---|---|
| Income above ₹5 lakh — late filing | ₹5,000 fee (Section 234F) | File by 31 July 2026 |
| Income up to ₹5 lakh — late filing | ₹1,000 fee (Section 234F) | File by 31 July 2026 |
| Unpaid tax after due date | 1% per month interest (234A) | Pay advance tax on time |
| Wilful non-filing with taxable income | Prosecution — 3–7 years | Always file if income is taxable |
| Under-reporting income | 50–200% penalty on evaded tax | Declare all — IT Dept has AIS data |
FAQ
Everything you need to know about income tax filing in India.
For individuals and HUFs not requiring audit, the due date is 31 July 2026. For businesses requiring audit, it is 31 October 2026. A belated return can be filed up to 31 December 2026 with a late fee.
If your total income exceeds ₹5 lakh, the late filing fee is ₹5,000. If your income is below ₹5 lakh, the fee is limited to ₹1,000. Additionally, interest under Section 234A @ 1% per month applies on unpaid tax.
You need ITR-2. ITR-1 is not applicable if you have capital gains income. Our CA-assisted service automatically selects the correct form based on your income profile.
Finance Act 2025 revised the new regime slabs: 0–₹4L (Nil), ₹4–8L (5%), ₹8–12L (10%), ₹12–16L (15%), ₹16–20L (20%), ₹20–24L (25%), above ₹24L (30%). Crucially, Section 87A rebate of ₹60,000 means zero tax for income up to ₹12L — and up to ₹12.75L for salaried individuals after the ₹75,000 standard deduction. The new regime is the default for AY 2026-27.
Yes. Salaried individuals can switch every year at the time of filing. Business and professional taxpayers can switch out of the old regime only once in a lifetime. For AY 2026-27, the new regime is the default — you must submit Form 10-IEA to opt for the old regime if it saves you more tax.
Under the new regime (default for AY 2026-27), filing is mandatory if your income exceeds ₹4 lakh (the new basic exemption limit under Finance Act 2025). Under the old regime, the limit is ₹2.5 lakh (below 60 years), ₹3 lakh (senior citizens 60–79), or ₹5 lakh (super seniors 80+). Even below these limits, filing is strongly recommended to claim TDS refunds, apply for loans, or meet visa requirements.
Key documents include: PAN card, Aadhaar, Form 16 (from employer), Form 26AS / AIS from the IT portal, bank account statements, investment proofs (80C, 80D), home loan interest certificate, and capital gain statements from brokers.
Our CA-assisted service takes 24–48 hours for salaried returns and 48–72 hours for business or capital gains returns, from the time you upload all required documents.
After filing, you must e-verify the return within 30 days (via Aadhaar OTP, net banking, or DSC). The IT Department then processes the return and sends an intimation under Section 143(1) — usually within 30–45 days. Refunds are credited within 7–20 days of processing.
Yes, a revised return can be filed under Section 139(5) at any time before 31 December of the assessment year. You can revise as many times as needed within that window.
Form 26AS is your tax passbook — it shows all TDS deducted by employers/banks, advance tax paid, and refunds received. You must reconcile your income with Form 26AS before filing to avoid discrepancy notices from the IT Department.
Don't wait for notices. File now, claim every rupee you're owed, and stay fully compliant.