Gone are the days of standing in queues at tax offices. Today, you can file ITR online from your home in under an hour. The Income Tax Department has made e filing income tax return straightforward, with pre-filled forms and guided steps that simplify the entire process.
This comprehensive guide walks you through online ITR filing India procedures step by step. Whether you're a first-time filer or someone looking to understand income tax portal filing better, this article covers everything from pre-requisites to verification methods.
Before You Begin: Essential Pre-Requisites
Successful online ITR filing India requires some preparation. Gather these items before you start to avoid interruptions during the filing process.
Documents You'll Need:
- PAN Card: Your 10-digit Permanent Account Number
- Aadhaar Card: Must be linked to PAN for e-verification
- Form 16: TDS certificate from your employer
- Bank Statements: For interest income and account details
- Investment Proofs: 80C receipts, insurance premiums, loan statements
- Form 26AS/AIS: Downloaded from the portal for TDS verification
Portal Requirements:
- Registered account on the Income Tax e-Filing Portal
- Mobile number linked to Aadhaar for OTP verification
- Pre-validated bank account for refund credit
- Stable internet connection
Step-by-Step Process to File ITR Online
Follow these steps for seamless income tax portal filing. The process typically takes 30-60 minutes for straightforward returns.
Step 1: Login to the e-Filing Portal
Visit the official Income Tax e-Filing Portal. Click on "Login" and enter your PAN as User ID. Use your password or request OTP to your registered mobile. First-time users must register by clicking "Register" and following the prompts.
Step 2: Navigate to e-File Section
After logging in, go to "e-File" from the dashboard menu. Select "Income Tax Returns" and then "File Income Tax Return". Choose the appropriate assessment year (for income earned in FY 2024-25, select AY 2025-26).
Step 3: Select Filing Mode and ITR Form
Choose "Online" as the filing mode (recommended for most users). The portal will suggest the appropriate ITR form based on your profile. Verify the suggestion or manually select the correct form. Most salaried individuals use ITR-1, while those with capital gains need ITR-2.
| Form | Who Should Use |
| ITR-1 | Salaried individuals with income up to Rs. 50 lakh, one house property |
| ITR-2 | Individuals with capital gains, multiple properties, foreign income |
| ITR-3 | Individuals with business or professional income |
| ITR-4 | Presumptive income under Section 44AD/44ADA/44AE |
Step 4: Review Pre-Filled Data
The portal pre-fills personal details and income information from Form 26AS and AIS. Review this data carefully. Verify salary details match your Form 16. Check if all TDS entries are correct. Add any missing income sources that aren't pre-filled.
Step 5: Enter Deductions and Exemptions
Navigate to the deductions section. Enter investments under Section 80C (PPF, ELSS, LIC, etc.). Add health insurance premiums under Section 80D. Include home loan interest under Section 24(b). The portal calculates your tax liability automatically as per the Income Tax Act provisions.
Step 6: Choose Tax Regime
Select between the old regime (with deductions) and the new regime (lower rates, fewer deductions). The portal shows tax liability under both regimes for comparison. Choose the one that results in lower tax. Remember, the new regime is default from AY 2024-25 onwards.
Step 7: Pay Tax or Confirm Refund
If additional tax is due, pay using the "Pay Now" option through net banking, debit card, or UPI. For refund cases, verify your pre-validated bank account details. The refund will be credited directly to this account after processing.
Step 8: Verify and Submit
Preview your return by clicking "Preview Return". Review all sections for accuracy. Click "Proceed to Validation" to check for errors. Once validated, click "Proceed to Verification" to submit. Your return is now filed but not yet verified.
E-Verification: Completing Your Filing
Your e filing income tax return isn't complete until verified. You must verify within 30 days of filing. Check CBDT guidelines for verification requirements.
E-Verification Options (Instant):
- Aadhaar OTP: OTP sent to Aadhaar-linked mobile (most popular method)
- Net Banking: Through EVC generated via your bank's net banking
- Bank Account EVC: EVC sent to registered mobile via pre-validated account
- Demat Account EVC: Through pre-validated demat account
- DSC: Digital Signature Certificate (mandatory for some taxpayers)
Physical Verification (if e-verification not possible):
Print ITR-V acknowledgement, sign it in blue ink, and send to CPC Bengaluru within 30 days by ordinary or speed post. This method is slower and not recommended if e-verification is available.
Common Mistakes to Avoid
Even experienced filers make errors. For complex situations, consider professional ITR Filing Services to ensure accuracy.
- Wrong ITR form: Using ITR-1 when you have capital gains results in rejection
- Ignoring AIS data: Not reconciling AIS entries leads to notices
- Missing income sources: Forgetting FD interest, dividend income, or freelance earnings
- Incorrect bank details: Refund bounces if account details are wrong
- Not verifying: Filing without verification means return is incomplete
- Missing deadline: Late filing attracts penalty under Section 234F
Conclusion: Your Annual Tax Compliance Made Simple
Learning to file ITR online is a valuable skill that saves time and money. The e filing income tax return process has become increasingly user-friendly, with pre-filled data and guided steps making online ITR filing India accessible to everyone.
Start early, gather your documents, and follow this income tax portal filing guide step by step. Verify your return immediately after submission to complete the process. With practice, annual tax filing becomes a quick, routine task rather than a stressful deadline scramble. File on time, claim your rightful deductions, and maintain your tax compliance record with confidence.
