ITR File பண்றது எப்படி? — Salaried Employee Complete Online Guide (Tamil & English)
Income Tax Return (ITR) file பண்றது பலருக்கு confusing-ஆ தெரியும். ஆனா salaried employees-க்கு இது actually 30–45 minutes-ல முடியும். இந்த guide-ல — எந்த ITR form, என்ன documents வேணும், incometax.gov.in-ல step by step எப்படி file பண்றது, e-verify எப்படி பண்றது — எல்லாம் click-by-click explain பண்றோம்.
Vignesh DhayalanARN: 288927 · Financial Analyst
📋 Quick Answer
Salaried employees → ITR-1 form at incometax.gov.in. Need: PAN + Aadhaar, Form 16, bank statements, AIS download. Filing takes 30–45 minutes. Due date: July 31, 2025 (FY 2024-25). File before due date for maximum refund speed and to avoid ₹5,000 penalty.
⏰
ITR Filing Deadlines — Don't Miss!
July 31Original due date
FY 2024-25
FY 2024-25
Dec 31Belated return
+ ₹5,000 penalty
+ ₹5,000 penalty
Mar 31Updated return
ITR-U only
ITR-U only
ITR File பண்றது ஏன் Important?
Many people think ITR is only for tax payment. That's wrong — there are many benefits to filing even if you have zero tax to pay:
₹5,000Late filing penalty
4–6 wksRefund timeline
July 31Due date FY24-25
FreeITR filing cost
🗣 Tamil — ITR Yen File Pannanum?
1. TDS deducted-ஆனா — refund வாங்க ITR mandatory. 2. Loan-க்கு income proof வேணும் — ITR acknowledgement required. 3. Visa apply பண்ண — 3 years ITR mandatory. 4. Capital loss carry forward — ITR file பண்ணல-ன்னா next year set off பண்ண முடியாது. 5. Notice இல்லாம இருக்க — ITR filed irundha legal protection. 6. முக்கியமா — July 31-க்கு file பண்ணல-ன்னா ₹5,000 penalty!
எந்த ITR Form — Salaried Employee-க்கு
✅ Most Salaried
ITR-1
Sahaj — Simplest Form
Salary income + ONE house property + Other sources (FD interest, savings). Income below ₹50 Lakh. Indian resident only. No capital gains.
📈 With MF/Shares
ITR-2
Capital Gains Form
Salary + Capital gains (mutual fund redemption, stock sale). Multiple house properties. Foreign income. Income above ₹50 Lakh.
🏢 Business/Freelance
ITR-3/4
Business Income
Self-employed, freelancers, business owners. Professional income. Presumptive taxation (ITR-4 Sugam). More complex filing.
💡 Mutual Fund Redemption-ல ITR-2
FY 2024-25-ல Mutual Fund redeem பண்ணீங்களா (ELSS lock-in after 3 years, any fund sell)? அப்போ capital gains ஆகுது — ITR-1 போதாது, ITR-2 file பண்ணணும். AIS statement-ல mutual fund capital gains automatically show ஆகும் — miss பண்ணாதீங்க.
Documents Checklist — File பண்ண முன்னாடி Ready பண்ணுங்க
Tick பண்ணிக்கிட்டு collect பண்ணுங்க — இந்த documents ready-ஆ இருந்தா filing 30 minutes-ல முடியும்:
🪪
PAN Card + AadhaarPAN — portal login-க்கு. Aadhaar — e-verify-க்கு. PAN-Aadhaar linked-ஆ இருக்கணும் (mandatory now).
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Form 16 (Part A & Part B)Employer கொடுக்கும் TDS certificate. Part A — TDS details. Part B — Salary breakup, deductions. April-ல employer கேட்டு வாங்குங்க.
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AIS (Annual Information Statement)incometax.gov.in → AIS → Download. All income, TDS, MF transactions, property purchases — everything pre-populated. Most important document.
📋
Form 26ASTDS credit statement. AIS-ல ஒரு section-ஆ இருக்கு or TRACES portal-ல download பண்ணலாம். Form 16-ல உள்ள TDS with Form 26AS match பண்ணுங்க.
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Bank Statements — All AccountsFD interest, savings account interest — AIS-ல show ஆகும். Bank statement confirm பண்ண வேணும். April 1 to March 31 statement.
🏠
Home Loan Interest CertificateOld Regime — Section 24(b) deduction-க்கு. Bank-கிட்ட இருந்து annual interest certificate வாங்குங்க. ₹2L max deduction.
💰
Investment Proofs — 80C, 80D, NPSELSS statement, PPF passbook, LIC receipt, health insurance premium receipt, NPS contribution statement — Old Regime choose பண்றவங்களுக்கு.
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Capital Gains Statement (if applicable)Mutual fund LTCG/STCG statement — CAMS or Karvy statement. Stock broker capital gains PDF. Needed for ITR-2.
Step-by-Step ITR Filing — incometax.gov.in
Open பண்ணுங்க: incometax.gov.in — official portal. Steps expand பண்ணி read பண்ணுங்க:
1
→
Portal Login பண்ணுங்க
🔗 incometax.gov.in → Login
Login methods:
• PAN + Password (if registered) → Enter OTP
• New user → Register → PAN enter → Mobile/email OTP → Create password
PAN register பண்ணல-ன்னா: "Register" click → Individual → PAN enter → Aadhaar mobile OTP → done.
• PAN + Password (if registered) → Enter OTP
• New user → Register → PAN enter → Mobile/email OTP → Create password
PAN register பண்ணல-ன்னா: "Register" click → Individual → PAN enter → Aadhaar mobile OTP → done.
🔑 Homepage-ல "Login" button — top right. PAN is your User ID.
✅ Portal password மறந்தா: "Forgot Password" → Aadhaar OTP reset பண்ணலாம்.
2
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AIS & Form 26AS Download பண்ணுங்க
Services → Annual Information Statement
Login பண்ணினதும்:
• e-File → Income Tax Returns → View AIS
• AIS page-ல — Salary, TDS, MF transactions, FD interest, property purchase — எல்லாம் show ஆகும்
• Download → Part A + Part B (PDF)
Form 26AS: AIS page-லயே "Form 26AS" link இருக்கு. Or TRACES portal-லயும் download பண்ணலாம்.
AIS-ல errors இருந்தா: "Feedback" option-ல dispute raise பண்ணலாம். But don't delay filing for this.
• e-File → Income Tax Returns → View AIS
• AIS page-ல — Salary, TDS, MF transactions, FD interest, property purchase — எல்லாம் show ஆகும்
• Download → Part A + Part B (PDF)
Form 26AS: AIS page-லயே "Form 26AS" link இருக்கு. Or TRACES portal-லயும் download பண்ணலாம்.
AIS-ல errors இருந்தா: "Feedback" option-ல dispute raise பண்ணலாம். But don't delay filing for this.
✅ AIS-ல show ஆகும் income = IT department already knows. Mismatch avoid பண்ணுங்க.
3
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ITR Form Select & Start Filing
e-File → Income Tax Returns → File Income Tax Return
• Assessment Year select: FY 2024-25 → Assessment Year 2025-26
• Online filing mode select பண்ணுங்க (easier than offline)
• ITR Form select: ITR-1 (most salaried), ITR-2 (capital gains/multiple properties)
• Filing type: Original Return
• Reason for filing: "Income above basic exemption limit" or "TDS refund expected"
• Online filing mode select பண்ணுங்க (easier than offline)
• ITR Form select: ITR-1 (most salaried), ITR-2 (capital gains/multiple properties)
• Filing type: Original Return
• Reason for filing: "Income above basic exemption limit" or "TDS refund expected"
📋 ITR-1 select பண்றவங்க: "Start New Filing" → ITR-1 Sahaj → Proceed
4
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Personal Information Verify பண்ணுங்க
Section 1 — Pre-filled data verify
ITR form auto-populate ஆகும் — verify பண்ணுங்க:
• Name, PAN, DOB, Aadhaar — confirm
• Address — current address update பண்ணுங்க
• Bank account details: Account number, IFSC — refund இங்க வரும். Pre-validated bank account இருக்கணும்
• Email + Mobile number — OTP varum
• Tax Regime select: New Regime or Old Regime — carefully choose (refer our previous article)
• Name, PAN, DOB, Aadhaar — confirm
• Address — current address update பண்ணுங்க
• Bank account details: Account number, IFSC — refund இங்க வரும். Pre-validated bank account இருக்கணும்
• Email + Mobile number — OTP varum
• Tax Regime select: New Regime or Old Regime — carefully choose (refer our previous article)
✅ Bank account pre-validate: Profile → My Bank Account → Add/Validate. Refund இங்க மட்டுமே வரும்.
5
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Income Details Fill பண்ணுங்க
Section 2 — Gross Salary & Income sources
Salary Income (Form 16 → Part B):
• Gross salary enter பண்ணுங்க (Form 16 Part B-ல இருக்கும்)
• HRA received (Old Regime-ல exemption calculate)
• Standard deduction ₹50,000 (old) or ₹75,000 (new) — auto-apply ஆகும்
Other Income Sources:
• Savings account interest (₹10,000 exemption under 80TTA — Old Regime)
• FD interest — fully taxable, enter from AIS/bank statement
• Any other income (rental, freelance etc.)
• Gross salary enter பண்ணுங்க (Form 16 Part B-ல இருக்கும்)
• HRA received (Old Regime-ல exemption calculate)
• Standard deduction ₹50,000 (old) or ₹75,000 (new) — auto-apply ஆகும்
Other Income Sources:
• Savings account interest (₹10,000 exemption under 80TTA — Old Regime)
• FD interest — fully taxable, enter from AIS/bank statement
• Any other income (rental, freelance etc.)
✅ Portal pre-fills salary from employer's TDS data. Verify with Form 16 — if mismatch, Form 16 is more accurate.
6
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Deductions Claim பண்ணுங்க (Old Regime Only)
Section 3 — Deductions under Chapter VI-A
Old Regime choose பண்ணவங்க மட்டும்:
• 80C: ELSS, PPF, LIC, EPF, Home loan principal — max ₹1.5L enter
• 80D: Health insurance premium — self ₹25K, parents ₹25K–₹50K
• 80CCD(1B): NPS additional ₹50K
• 24(b): Home loan interest — max ₹2L
• HRA exemption: Section 10(13A) — calculate separately
New Regime: Only standard deduction + NPS employer contribution. All others — skip.
• 80C: ELSS, PPF, LIC, EPF, Home loan principal — max ₹1.5L enter
• 80D: Health insurance premium — self ₹25K, parents ₹25K–₹50K
• 80CCD(1B): NPS additional ₹50K
• 24(b): Home loan interest — max ₹2L
• HRA exemption: Section 10(13A) — calculate separately
New Regime: Only standard deduction + NPS employer contribution. All others — skip.
✅ Deductions claim பண்ண investment proofs வேணும் — employer already verified via Form 16. Double-enter பண்ணாதீங்க.
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Tax Computation & TDS Details Verify
Section 4 — Tax summary
Portal automatically calculates:
• Total taxable income
• Tax payable (as per slab)
• TDS already paid (from Form 26AS — employer deducted)
• Tax payable or Refund = Tax due - TDS paid
Refund case: TDS > Tax due → Difference as refund
Tax due case: TDS < Tax due → Pay balance via Challan 280
• Total taxable income
• Tax payable (as per slab)
• TDS already paid (from Form 26AS — employer deducted)
• Tax payable or Refund = Tax due - TDS paid
Refund case: TDS > Tax due → Difference as refund
Tax due case: TDS < Tax due → Pay balance via Challan 280
💰 Refund = TDS paid by employer > actual tax due. Common when: Old Regime claimed, big deductions, or income below slab.
✅ If additional tax due: Pay online at incometax.gov.in → e-Pay Tax → Challan 280 before filing.
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Submit & E-Verify — Final Step
Preview → Submit → E-Verify
• Preview ITR: Review all sections before submit. Check income, deductions, tax numbers.
• Submit Return
• E-Verify immediately — MUST do within 30 days of filing!
E-Verify options:
✅ Aadhaar OTP — easiest (Aadhaar mobile OTP)
✅ Net Banking — HDFC/SBI/ICICI → login → e-verify
✅ Bank Account EVC — pre-validated bank account
✅ Demat Account EVC
After e-verify → ITR-V Acknowledgement download பண்ணி save பண்ணுங்க!
• Submit Return
• E-Verify immediately — MUST do within 30 days of filing!
E-Verify options:
✅ Aadhaar OTP — easiest (Aadhaar mobile OTP)
✅ Net Banking — HDFC/SBI/ICICI → login → e-verify
✅ Bank Account EVC — pre-validated bank account
✅ Demat Account EVC
After e-verify → ITR-V Acknowledgement download பண்ணி save பண்ணுங்க!
✅ E-verify இல்லாம ITR "filed" as incomplete — refund வராது! Aadhaar OTP easiest — 2 minutes.
🗣 Filing Tamil Summary
incometax.gov.in → Login (PAN + password) → AIS download பண்ணுங்க (income verify) → e-File → ITR-1 → Assessment Year 2025-26 → Personal details verify → Salary enter (Form 16-இருந்து) → Deductions fill (Old Regime-ல) → Tax summary check → Submit → E-Verify (Aadhaar OTP — 2 minutes). Done! ITR-V acknowledgement save பண்ணுங்க. Refund 4–6 weeks-ல வரும்.
Tax Refund — எப்போ வரும்? எப்படி Check பண்றது?
📊 Refund Process Timeline
1
File + E-Verify
ITR submitted + e-verified. Process starts. Download ITR-V acknowledgement.
2
ITR Processing (1–4 weeks)
Income Tax Dept processes return. Check status: incometax.gov.in → e-File → View Filed Returns
3
Intimation 143(1) (2–4 weeks)
Official notice confirming your return is processed and refund amount determined. Comes to registered email.
4
Refund Credit (4–8 weeks total)
Refund directly credited to pre-validated bank account. SMS + email notification. Track at: tin.tin.nsdl.com/oltas/refundstatuslogin.do
💡 Refund Fast வர Tips
1. E-verify immediately after filing — delay = delay in processing. 2. Bank account pre-validate பண்ணுங்க (Profile → My Bank Accounts). 3. PAN-Aadhaar linked-ஆ இருக்கணும். 4. AIS-ல income mismatch இல்லாம file பண்ணுங்க. 5. July 31-க்கு முன்னாடி file பண்றவங்களுக்கு refund faster — deadline அருகில் file பண்றவங்களுக்கு later.
Common ITR Filing Mistakes — Avoid பண்ணுங்க
❌
E-Verify பண்ணாம விடுவது
ITR submit பண்ணி e-verify பண்ணல-ன்னா return "invalid." 30 days-க்குள் e-verify compulsory. Most common mistake!
🔢
Wrong Bank Account Details
Refund wrong account-க்கு போகும். IFSC, account number carefully verify பண்ணுங்க. Pre-validation mandatory.
💰
FD Interest Skip பண்றது
Many people forget to declare FD interest income. AIS-ல show ஆகும் — IT dept already knows. Not declaring = notice risk.
📋
Wrong Assessment Year Select
FY 2024-25 filing → AY 2025-26. பலர் wrong year select பண்ணுவாங்க — correct year confirm பண்ணுங்க.
🔄
Double Deduction Claim
Form 16-ல employer already claimed deductions. Same deductions again ITR-ல enter பண்றது = discrepancy = notice.
🔗
PAN-Aadhaar Link பண்ணல
PAN-Aadhaar not linked = return not processed, refund blocked. Immediately link: incometax.gov.in → Link Aadhaar.
ITR-1 vs ITR-2 — Quick Comparison
| Criteria | ITR-1 (Sahaj) | ITR-2 |
|---|---|---|
| Salary income | ✅ Yes | ✅ Yes |
| Income limit | Below ₹50 Lakh | No limit |
| Capital gains (MF/Stocks) | ❌ Not allowed | ✅ Yes |
| Multiple house properties | ❌ Only one | ✅ Multiple |
| Foreign income/assets | ❌ Not allowed | ✅ Yes |
| Director in company | ❌ Not allowed | ✅ Yes |
| Complexity | Simple — 30 min | Medium — 60 min |
| Who uses it | Most salaried employees | Salaried with investments/assets |
Frequently Asked Questions
CA இல்லாம self-ஆ ITR file பண்ணலாமா?+
Absolutely yes! Salaried employees with simple income (salary + FD interest, no capital gains) can easily file ITR-1 themselves in 30–45 minutes. The portal is very user-friendly with auto-fill. CA necessary only for: complex cases (business income, multiple properties, foreign income, high capital gains), or if you have received IT notice. For simple salaried ITR → self-file and save ₹500–₹2,000 CA fees!
Income ₹2.5L-க்கு கீழ இருந்தாலும் ITR file பண்ணலாமா?+
Yes — voluntary filing possible and beneficial. Reasons: (1) TDS refund claim பண்ண — TDS deducted from FD interest → file ITR to get refund. (2) Loan/visa proof-க்கு ITR acknowledgement வேணும். (3) Capital loss carry forward. (4) Building financial history. Filing is always free at incometax.gov.in — no cost to file even voluntarily.
ITR filed-ஆனா error பண்ணிட்டேன் — திருத்தலாமா?+
Yes — file a "Revised Return" (under Section 139(5)) before December 31 of the assessment year. Revise unlimited times before deadline. Example: AY 2025-26 original return filed June 2025, error found → revised return file before December 31, 2025. Same portal → e-File → Income Tax Returns → choose "Revised Return" → make corrections.
Last year ITR file பண்ணல — ippodhu file panna mudiyuma?+
For FY 2023-24 (AY 2024-25): Belated return allowed until December 31, 2024 (likely passed). Updated return (ITR-U) allowed until March 31, 2027 — but with additional tax of 25%–50% on outstanding. For FY 2024-25 (AY 2025-26): File by July 31, 2025 — don't miss! Missed years should be filed as soon as possible — penalties increase over time.
ITR file பண்ணினதும் refund வரல — என்ன பண்றது?+
Check: (1) E-verified-ஆ? — most common issue. (2) Bank account pre-validated-ஆ? (3) Processing status: incometax.gov.in → e-File → View Filed Returns. (4) Refund re-issue needed? — Outstanding demand இருந்தா refund blocked. (5) PAN-Aadhaar linked-ஆ? If all correct and still no refund after 8 weeks: Grievance raise பண்ணலாம் portal-ல → e-Nivaran. Or call 1800-103-0025 (IT helpline).
File பண்ணிடுங்க — இன்னே!
- Step 1: incometax.gov.in → Login → AIS download → Verify income
- Step 2: e-File → ITR-1 → AY 2025-26 → Fill details
- Step 3: Deductions claim (Old Regime) → Tax computation verify
- Step 4: Submit → E-Verify (Aadhaar OTP — 2 min) → Save ITR-V
- Due date: July 31, 2025 — Don't delay!
🗣 Final Tamil
ITR filing = ₹0 cost, 30–45 minutes, huge benefits. Refund வாங்குவது உங்க right — file பண்ணல-ன்னா கிடைக்காது. July 31-க்கு முன்னாடி file பண்ணுங்க. Enna doubt irundhalum WhatsApp pannunga — free guidance kuduppaan. PAN-Aadhaar link பண்ணாதவங்க — immediately link பண்ணுங்க!
📋 Free ITR Filing Guidance
Vignesh Dhayalan (ARN 288927) — ITR form selection, regime choice, deductions advice — free guidance in Tamil & English.
⚠️ Disclaimer: This is an educational guide for general ITR filing process as of FY 2024-25. Tax laws, portal features, and deadlines may change. Verify current procedures at incometax.gov.in. This is NOT professional CA advice. For complex tax situations, consult a qualified Chartered Accountant. Vignesh Dhayalan is an AMFI Registered MFD (ARN: 288927), not a CA. GST: 29BWRPV6671C1ZQ | universalmoneymart.com
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Category: Tax Planning · Read Time: 12 min · FY: 2024-25
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Vignesh DhayalanAMFI Registered MFD | ARN: 288927 | Financial Analyst | Bangalore
Finance educator helping Tamil-speaking salaried employees with tax filing, investment planning, and financial goals. AMFI Registered MFD, ARN 288927. YouTube: @VigneshDhayalanOfficial
Free ITR Guidance