ITR Filing for Salaried Employees — Form 16, HRA, 80C & Regime Comparison

ITR filing made for your salary slip, not a spreadsheet

If your income is salary, interest and maybe one house property, you don't need a complicated filing process — you need someone who reads your Form 16 correctly, picks the right regime, and claims every exemption you're entitled to. We file ITR-1 (Sahaj) for salary up to ₹50 lakh with one house property, and ITR-2 if you have capital gains (stocks, mutual funds, ESOPs), more than one house property, or foreign assets/income to report.

Who needs this service

• Private-sector employees with one or more Form 16s from job changes during the year
• Government and PSU employees with GPF/NPS Tier-I, HRA and LTA components
• Salaried individuals who also sold shares, mutual funds or a house during the year (ITR-2)
• Employees with a home loan claiming interest under Section 24(b) and principal under 80C
• Anyone with TDS deducted under Section 192 who wants a refund processed without delay

Documents required

• Form 16 (Part A & Part B) from each employer for the financial year
• Form 26AS / AIS / TIS downloaded from the income tax portal
• Rent receipts and landlord PAN (if claiming HRA and rent exceeds ₹1 lakh/year)
• Home loan interest certificate from the bank (Section 24(b) / 80EEA)
• 80C/80D proofs — LIC, PPF, ELSS, health insurance premium — only if choosing the old regime
• Bank account details for refund credit, pre-validated on the e-filing portal

Process & timeline

1. Share Form 16 and Form 26AS/AIS on WhatsApp — we cross-check TDS entries against your Form 16
2. We compute tax liability under both old and new regime and show you the actual rupee difference
3. Deductions (80C, 80D, HRA, 24(b), NPS 80CCD(1B)) are applied and cross-verified against AIS
4. Return is prepared, reviewed with you, and e-verified via Aadhaar OTP the same day

Typical turnaround: same day to 24 hours once documents are received; refunds are usually credited by the CPC within 4–6 weeks of e-verification.

Old regime vs new regime — which one actually saves you money?

Under the new regime (default since FY 2023-24), the standard deduction is ₹75,000 for FY 2025-26, slabs go up to ₹15 lakh at 30% with a ₹12 lakh rebate under Section 87A (effectively nil tax up to ₹12.75 lakh salary), but HRA, 80C, 80D and home loan interest on a self-occupied property are not allowed. Under the old regime, standard deduction is ₹50,000, but you can claim HRA under Section 10(13A), 80C up to ₹1.5 lakh, 80D health insurance, and home loan interest up to ₹2 lakh. We run both computations and file whichever gives you a lower tax outflow — this alone saves many government employees ₹15,000–40,000 depending on HRA and home loan claims.

Common mistakes we catch before filing

• Interest income from savings account and FDs missing from AIS reconciliation, triggering a mismatch notice under Section 143(1)(a)
• HRA claimed without matching rent paid entries in AIS (landlord's rental income reporting)
• Claiming 80C deductions after opting into the new regime by mistake
• Not reporting perquisites — ESOPs, rent-free accommodation, employer NPS contribution above ₹7.5 lakh combined limit

Why Tax Easy India

• Both-regime computation shown transparently — you see the numbers, not just a recommendation
• Form 26AS / AIS reconciliation done before filing, not after a notice arrives
• Support for multiple Form 16s from job switches within the same year
• Same-day e-verification and refund status tracking on WhatsApp