Last-Minute ITR Filing Checklist for AY 2026-27

Before You File: The Complete Checklist

Filing your ITR does not have to be stressful. Use this checklist to make sure you have everything ready before you start. This covers both ITR-1 and ITR-2 for AY 2026-27.

Personal Details

• PAN card — your 10-digit alphanumeric PAN
• Aadhaar number — linked to PAN (mandatory for e-filing)
• Bank account details — account number, IFSC, bank name (for refund credit)
• Contact details — mobile number and email linked to income tax portal
• Address — as per PAN records

Income Documents

Salary Income

• Form 16 from employer — how to read it
• Salary slips (if Form 16 is not yet available)
• Form 12BB (investment declaration submitted to employer)

Interest Income

• Bank interest certificates — savings account and FD interest
• Post office deposit interest — NSC, SCSS, etc.
• Interest on income tax refund (if any, from previous years)

House Property Income

• Rent agreement and rent receipts (if receiving rent)
• Home loan interest certificate from bank (for deduction under Section 24)
• Municipal tax receipts (if paid)

Capital Gains (ITR-2 only)

• Broker P&L statement — for stocks and derivatives
• Capital gains statement from mutual fund AMC
• Property sale/purchase deeds (if applicable)
• Cost of acquisition records for unlisted shares or other assets

For details on capital gains reporting, see Capital Gains Tax Guide.

Dividend Income

• Dividend statements from stocks and mutual funds
• Note: dividends are taxable as "income from other sources"

Deduction Documents

Section 80C (up to Rs 1.5 lakh)

• EPF passbook or employer deduction proof
• PPF deposit receipts
• ELSS mutual fund statements
• Life insurance premium receipts
• Tuition fee receipts (for up to 2 children)
• Home loan principal component from loan statement
• NSC purchase proof
• 5-year tax saver FD receipt

See our full guide: Section 80C Deductions

Section 80D (Health Insurance)

• Health insurance premium receipts — self, spouse, children, parents
• Preventive health check-up bills (up to Rs 5,000, within 80D limit)

Section 80CCD(1B) (NPS)

• NPS contribution receipt — additional Rs 50,000 deduction

Other Deductions

• Section 80E — education loan interest certificate
• Section 80G — donation receipts (with institution PAN and 80G registration number)
• Section 80TTA/80TTB — savings account interest (auto-computed from bank statements)

Tax Payments & TDS

• Form 26AS — download from TRACES or income tax portal. Verify TDS credits.
• AIS (Annual Information Statement) — check for any unreported income
• TIS (Taxpayer Information Summary) — review suggested income figures
• Advance tax challans (if you paid advance tax during the year)
• Self-assessment tax challans (if paying remaining tax before filing)

Pre-Filing Checks

• Choose your ITR form — ITR-1 or ITR-2? See which form to file
• Choose your tax regime — old or new? See regime comparison
• Cross-check TDS — Form 16 TDS should match Form 26AS
• Verify bank account — pre-validate your bank account on the portal for refunds
• Link Aadhaar to PAN — required for e-filing and e-verification

Filing and After

• Generate ITR JSON — use 49Tax to create portal-ready JSON
• Upload JSON to the income tax portal — upload guide
• E-verify within 30 days — Aadhaar OTP is the fastest method
• Save ITR-V acknowledgment — download and keep for records
• Track refund status — check on the portal under "e-File > View Filed Returns"

Key Deadlines

Filing after the due date means you lose the ability to carry forward losses and may face a late filing fee of Rs 5,000 (Rs 1,000 if income is under Rs 5 lakh).

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