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📚 Complete ITR Filing Guide 2024-25 (AY 2025-26)

How to File ITR Online — Step by Step Guide 2025

Complete guide to file Income Tax Return for FY 2024-25. Learn ITR forms, documents, deductions, and step-by-step filing process. Or file at ₹299 with MyCamate CA in 24 hours.

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How to File ITR Online — 7 Steps

1

Collect All Documents

Form 16 from employer, PAN card, Aadhar card, bank statements for all accounts, investment proof (PPF, LIC, ELSS receipts), home loan interest certificate, rent receipts for HRA.

2

Download Form 26AS and AIS

Login to incometax.gov.in → My Account → View Form 26AS. Also check AIS (Annual Information Statement). All TDS deducted by employer and banks will be shown here. Your ITR must match these.

3

Choose the Correct ITR Form

ITR-1 for salaried up to ₹50 lakh. ITR-2 for capital gains. ITR-3 for business. ITR-4 for presumptive business (44AD). Wrong form = defective return notice from IT department.

4

Login to Income Tax Portal

Go to incometax.gov.in → Login with PAN as user ID. First time? Register with PAN, Aadhar, and mobile number. Use e-Filing portal — not any third party website.

5

Fill ITR Form Online

Go to e-File → Income Tax Returns → File Income Tax Return. Select AY 2025-26. Fill salary from Form 16, deductions (80C up to ₹1.5L, 80D up to ₹25,000), TDS from 26AS. Tax is auto-calculated.

6

Pay Tax if Any Due

If tax payable after TDS, pay as Self Assessment Tax (SAT) using Challan 280 before submitting ITR. Keep BSR code and challan number to enter in ITR form.

7

E-Verify Your ITR

Submit ITR → E-verify within 30 days. Use Aadhar OTP (fastest), Net Banking, Bank ATM, or Demat account. Without e-verification, ITR is invalid even if submitted.

Which ITR Form to Use?

ITR FormWho Should FileIncome LimitIncome Sources
ITR-1 (Sahaj)Salaried employeesUp to ₹50 lakhSalary + 1 house property + other income
ITR-2Salaried + Capital GainsNo limitSalary + Capital gains + 2+ house properties + foreign income
ITR-3Business + ProfessionNo limitBusiness income + Salary + Capital gains
ITR-4 (Sugam)Small business, freelancersUp to ₹50 lakhPresumptive income u/s 44AD, 44ADA, 44AE
ITR-5Partnership, LLP, AOPNo limitBusiness income — not for individuals
ITR-6CompaniesNo limitCompany income — not for individuals

Key Deductions to Claim in ITR

✓ Section 80C — up to ₹1,50,000
PPF, EPF, LIC premium, ELSS mutual funds, NSC, tuition fees, home loan principal, 5-year FD
✓ Section 80D — up to ₹75,000
Health insurance premium for self (₹25,000), parents (₹50,000 if senior citizens), preventive health checkup
✓ HRA Exemption
House rent allowance — exempt if you live in rented house. Need rent receipts and landlord PAN if rent > ₹1 lakh/year
✓ Section 24(b) — Home Loan Interest
Interest on home loan up to ₹2 lakh per year for self-occupied property. Unlimited for let-out property
✓ Section 80TTA — Savings Interest
Interest on savings bank account up to ₹10,000 exempt. For senior citizens, ₹50,000 u/s 80TTB
✓ Standard Deduction — ₹50,000
Flat ₹50,000 deduction from salary. No proof required. Automatically given to all salaried employees
✓ Section 80E — Education Loan
Interest on education loan — 100% deductible for 8 years. No upper limit. For self, spouse or children
✓ Section 80G — Donations
Donations to approved charities — 50% to 100% deductible. PM Relief Fund = 100% deduction

Why File with CA instead of DIY?

✓
Wrong form = notice
CA selects correct ITR form — wrong form gets defective return notice
✓
Missed deductions
CA finds every 80C, 80D, HRA deduction — you get maximum refund
✓
AIS mismatch
CA reconciles Form 26AS and AIS — prevents notices for mismatch
✓
Capital gains calculation
Complex LTCG/STCG calculations done correctly by CA — saves tax
💬 File with CA — ₹299 Only

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