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📄 FY 2025-26 — JULY 31, 2026 DEADLINE

How to File ITR Without Form 16 — 2025-26 Guide

Didn't get Form 16 from employer? No problem. You can file ITR using Form 26AS, AIS, salary slips and bank statements. Complete step-by-step guide below.

💬 File Without Form 16 — ₹299📞 +91 93547 24268

Why You May Not Have Form 16

🏢
Employer didn't issue it
Employer must issue Form 16 by June 15. Many small employers don't comply or delay.
💼
Multiple jobs in year
Changed jobs mid-year? You need Form 16 from all employers. One may not have issued it.
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No TDS deducted
If salary < ₹2.5L or employer is exempt, no TDS, so no Form 16 required.
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Freelancer / Consultant
Freelancers don't get Form 16 — only TDS certificates (Form 16A) from clients.
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Company shut down
If employer closed or went bankrupt, Form 16 may not be available.
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Lost or misplaced
Form 16 was issued but you lost it. Employer must reissue on request.

Documents to Use Instead of Form 16

1
Form 26AS
📍 Where to get: incometax.gov.in → My Account → View Form 26AS
Shows all TDS deducted by ALL employers and banks. This is the most important substitute for Form 16 — it has employer TDS, bank TDS, advance tax paid.
2
Annual Information Statement (AIS)
📍 Where to get: incometax.gov.in → Services → AIS
Complete picture of all income — salary, bank interest, dividends, mutual fund transactions, property purchases. ITR portal pre-fills from AIS.
3
Salary Slips (12 months)
📍 Where to get: From employer or HR system (Zoho, Darwinbox)
Use to calculate: Basic, HRA, allowances, deductions. Add up 12 months to get annual figures for ITR form.
4
Bank Statements
📍 Where to get: Net banking or bank branch
Salary credit confirmation, interest income from savings/FD, foreign remittances. Needed to verify AIS data.
5
Investment Proof
📍 Where to get: PPF passbook, ELSS statement, LIC receipts
For Section 80C deduction in old regime. ELSS statement from CAMS/KFintech shows invested amounts.

Step-by-Step: File ITR Without Form 16

1
Download Form 26AS
Login to incometax.gov.in → My Account → View Form 26AS → Download PDF. Check TDS deducted by employer under Section 192. This is your primary source.
2
Download AIS
Go to Services → AIS → Download. Check all income sources listed. AIS includes salary, interest, dividends, mutual funds. If any entry is wrong, raise feedback in AIS portal.
3
Calculate Gross Salary
Add up all salary slips (12 months): Basic + HRA + DA + special allowance. This is your gross salary. Cross-check with bank statements for credits.
4
Calculate Taxable Salary
Gross salary – HRA exemption (if rented) – standard deduction (₹75,000) = taxable salary. In old regime, also deduct 80C, 80D investments.
5
Login to IT Portal & Select ITR Form
Go to e-File → Income Tax Returns → File Return → AY 2026-27. Select ITR-1 for salary up to ₹50L. Portal pre-fills from AIS.
6
Verify and Edit Pre-filled Data
Check pre-filled salary, TDS, deductions. Edit if anything is missing or wrong. Enter employer TAN from salary slip if employer TDS not showing.
7
Pay Tax & Submit
Calculate tax, pay self-assessment tax if any due via Challan 280. Then submit ITR and e-verify using Aadhar OTP.

⚠️ Common Mistake Without Form 16

Many people enter salary income lower than what is shown in AIS. IT department matches your ITR with AIS — any mismatch triggers a notice. Always verify your salary entry matches Form 26AS / AIS figures before submitting.

No Form 16? Our CA Handles It All

Share salary slips + bank statement on WhatsApp → CA downloads 26AS and AIS → Files accurate ITR · ₹299 · 24 hours

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