ITR Filing Kaise Karein — Income Tax Return Ki Poori Guide Hindi 2025

Har salaried employee ko ITR file karna chahiye — chahe TDS kat gaya ho tab bhi. ITR filing se refund milta hai, loan applications mein kaam aata hai, aur compliance record banta hai. Yahan se shuru karein.

Kaun Sa ITR Form Bharna Hai?

Form	Kab Use Karein
ITR-1 (Sahaj)	Salary, 1 ghar ki property, interest income — total income ₹50L tak
ITR-2	Salary + capital gains, 2+ properties, foreign income/assets
ITR-3	Business/profession income bhi hai
ITR-4 (Sugam)	Presumptive tax scheme (44ADA/44AD) use karne wale

Zyada tar salaried employees ke liye ITR-1 ya ITR-2 kaam aata hai.

Documents Jo Chahiye Honge

• Form 16 (employer se) — Part A: TDS details, Part B: salary computation
• Form 26AS — TRACES portal se download (tax credit statement)
• AIS (Annual Information Statement) — incometax.gov.in se
• Bank statements (savings account interest)
• Investment proofs (80C, 80D, home loan certificate)
• Capital gain statements (broker ya mutual fund AMC se)

Online ITR Filing — Step by Step

Step 1: Income Tax Portal Login

incometax.gov.in pe jaao. PAN se login karo (ya Aadhaar OTP se).

Step 2: "File Income Tax Return" Select Karo

"e-File" → "Income Tax Returns" → "File Income Tax Return" → Assessment Year choose karo (2025-26 for FY 2024-25).

Step 3: Correct ITR Form Choose Karo

Apni situation ke hisaab se ITR-1 ya ITR-2 select karo.

Step 4: Pre-filled Data Verify Karo

Portal automatically Form 26AS aur AIS se data pre-fill karta hai. Har field verify karo — salary, TDS, bank interest, etc.

Step 5: Deductions Fill Karo

• Section 80C — PF, PPF, LIC, ELSS, home loan principal (max ₹1.5L)
• Section 80D — health insurance premium
• Section 24b — home loan interest (max ₹2L)
• HRA exemption (if not claimed by employer)

Step 6: Tax Compute Karo aur Verify Karo

Portal automatically tax compute karta hai. Agar tax due hai toh pay karo (Challan 280). Agar refund hai toh bank account verify karo.

Step 7: E-Verify Karein (Mandatory)

Submit ke baad e-verification zaroori hai — warna ITR processed nahi hota.

• Aadhaar OTP (fastest — recommended)
• Net banking
• Demat account
• Physical ITR-V signed copy Bengaluru CPC ko bhejein (if no e-verify)

Old Regime vs New Regime — Kya Choose Karein?

Default ab New Tax Regime hai. Agar Old Regime mein jaana hai toh explicitly select karna hoga aur return file karte waqt declare karna hoga.

• New Regime better hai agar deductions kam hain
• Old Regime better hai agar 80C + 80D + home loan = ₹3L+ deductions hain

Refund Kab Aata Hai?

ITR verify hone ke baad — generally 7–45 days mein refund bank account mein aata hai. Track karo: incometax.gov.in → "Refund/Demand Status".

Agar refund nahi aaya 60 din mein — check karo ki bank account validated hai ya nahi. Reissue request bhi de sakte ho portal pe.