Income Tax Login

In India, every year, salaried individuals are required to file their Income Tax Returns (ITRs) to report their earnings and pay the appropriate taxes.

This process was traditionally done by physically submitting the necessary documents and forms to the Income Tax Department.

However, with the advent of technology, the Indian government has introduced an online platform called “Income Tax e-Filing” to simplify and streamline the entire process.

The Income Tax e-Filing system allows taxpayers to file their ITRs electronically, eliminating the hassle of physically visiting the Income Tax office and submitting paper documents. 

Eligibility Criteria for ITR-1 (SAHAJ)

Before we get into the step-by-step process of e-filing your ITR, it’s essential to understand whether you are eligible to file the ITR-1 form. This form, also known as the “SAHAJ” form, is specifically designed for resident individuals whose total income falls within certain criteria.

You can file ITR-1 if your total income comes from the following sources and does not exceed ₹50 lakh:

  • Salary/Pension Income
  • Income from One House Property
  • Income from Other Sources (such as interest, family pension, dividends, etc.)
  • Agricultural Income up to ₹5,000

However, you cannot file ITR-1 if you meet any of the following conditions:

  • Hold a directorship in a company.
  • Possess unlisted equity shares at any time during the previous year.
  • Own assets (including financial interests in any entity) outside India.
  • Hold signing authority in any account located outside India.
  • Earn income from any source outside India.
  • Have tax deducted under section 194N.
  • Have deferred tax payment or deduction on Employee Stock Ownership Plan (ESOP).
  • Carry forward any loss under any head of income.
  • Have a total income exceeding Rs. 50 lakhs.

If you do not meet the eligibility criteria for ITR-1, you may need to file a different ITR form based on your specific circumstances.

Documents Required for Income Tax e-Filing

Before you begin the e-filing process, it’s important to gather all the necessary documents to ensure a smooth and accurate filing experience. Here are the documents you should have on hand:

  • Form 16: This document is issued by your employer and contains details of your salary, allowances, and the tax deducted at source (TDS).
  • Form 26AS: This form provides a comprehensive record of all the TDS deductions made against your Permanent Account Number (PAN).
  • Annual Information Statement (AIS): The AIS is a consolidated statement that includes information about your income from various sources, such as salary, interest, and other income.
  • Bank statements: You may need to refer to your bank statements to verify interest income or any other income sources.
  • Proof of investments and deductions: Gather documents related to your investments, such as Provident Fund (PF), Public Provident Fund (PPF), life insurance premiums, home loan repayment details, and any other deductions you wish to claim.

Having these documents readily available will make the e-filing process smoother and more efficient.

Income Tax E-Filing Process

Now that you have a clear understanding of the eligibility criteria and the necessary documents, let’s get into the step-by-step process of e-filing your ITR-1:

Step 1: Visit the Income Tax e-Filing Website

  • The first step is to visit the official Income Tax e-Filing website (https://www.incometax.gov.in).
  • Click on the “Login” option available on the main page.
  • Use your Permanent Account Number (PAN) as the user ID and the password generated during the registration process.

Step 2: Access Your Dashboard

  • After logging in, you will be directed to your personal dashboard. From here, click on “e-File” > “Income Tax Returns” > “File Income Tax Return.”

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Note: If your Permanent Account Number (PAN) is not functional due to it not being linked with your Aadhaar number, you will receive a warning message. You have the option to click on the “Link Now” button to establish a connection between your PAN and Aadhaar. Alternatively, if you wish to proceed without linking, you can click “Continue.

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Step 3: Select the Assessment Year and Mode of Filing

  • Next, select the Assessment Year as 2024–25 and the Mode of filing as “Online,” then click “Continue.”

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Step 4: Start New Filing or Resume an Existing Filing

  • If you have already started filling out your Income Tax Return and it is pending submission, click on the “Resume Filing” option.
  • If you are starting a new return, click on “Start New Filing.”

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Step 5: Select Your Status

  • Choose your status as applicable to you, which could be “Individual,” “HUF,” or “Others
  • Then. click “Continue” to proceed further.

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Step 6: Select the Appropriate ITR Form

  • Here, you will have two options to select the type of Income Tax Return:

a. If you know which ITR to file, select the ITR form, which is ITR-1 in this case.

b. If you’re uncertain about which Income Tax Return (ITR) form is appropriate for your situation, you can choose the option “Help me decide which ITR Form to file” and click “Proceed.” The system will guide you through a series of questions, and your responses will help determine the correct ITR form suitable for your circumstances.

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Note: If you’re unsure about which Income Tax Return (ITR) form or schedules apply to your specific situation or income and deductions, the system will ask you a series of questions, and your responses will help guide you in determining the correct ITR and schedules relevant to your case. However, if you already know the ITR form and schedules that are applicable to your income and deduction details, you can skip the questions and proceed directly with filing your return.

Step 7: Note the List of Required Documents

  • Once you have selected the ITR-1 form, carefully note the list of documents needed and click “Let’s Get Started.”
  • Having this list handy will help you file faster and ensure you have all the necessary information at your fingertips.

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Step 8: Select the Reason for Filing ITR

  • Select the appropriate checkbox applicable to you regarding the reason for filing ITR, and then click on the “Continue” option.

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Step 9: Choose the New Tax Regime (Optional)

  • To select the new tax regime, navigate to the “Personal Information” section and choose “Yes” for that option.
  • Be aware that certain deductions and exemptions are unavailable under the new tax regime, as indicated by the pop-up notification.
  • Carefully review the pre-filled data and make any necessary edits.
  • Input any remaining or additional data if required.
  • Once you have completed each section, click “Confirm” to proceed.

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Step 9a: Verify and Update Personal Information

  • In the “Personal Information” section, verify and update your personal details, such as address, nature of employment, and bank account details for refund purposes.

Step 9b: Enter Salary Income

  • Move to the “Gross Total Income” section and enter your salary income as per Form 16.
  • If your employer has not included any allowances or exemptions, you can add them here, provided you have supporting documents.

Step 9c: Claim Deductions

  • The “Total Deductions” section is important for minimizing your taxable income.
  • Here, you can claim deductions under various sections, such as Section 80C (investments in PF, PPF, life insurance premiums, etc.), Section 80D (health insurance premiums), Section 80TTA (interest on savings bank accounts), and others.

Step 9d: Review Calculations

  • After entering all your income and deduction details, the system will calculate your total taxable income and tax liability.
  • Review the calculations carefully and ensure accuracy.

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Step 10: Enter/Edit Income and Deduction Details

  • Here, you have to enter or edit your income and total deductions details in the different sections.
  • After completing all the information and confirming all the sections of the form, click on the “Proceed” option.

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Step 10a: If There is a Tax Liability

  • Once you click on “Total Tax Liability,” you will see a summary of your tax computation based on the details you provided.
  • If the computation shows that you have a tax liability to pay, you will be presented with the options “Pay Now” and “Pay Later” at the bottom of the page.

Income Tax e-filing

Note: It is recommended to use the “Pay Now” option. If you choose to “Pay Later,” you can make the payment after filing your Income Tax Return. However, there is a risk of being considered a taxpayer in default, and you may be liable to pay interest on the tax amount payable.

Step 10b: If There is No Tax Liability or Refund

  • If the tax computation shows no tax liability payable, or if you are owed a refund, you will be directed to the “Preview and Submit Your Return” page.

Income Tax e-filing

Step 11: Make Tax Payment (If Applicable)

  • If you clicked on “Pay Now,” you will be redirected to the “e-Pay Tax” service.
  • Click “Continue” to proceed with the payment process.

Income Tax e-filing

Note: After clicking “Continue,” you will be taken to the “e-Pay Tax” page on the portal to make your tax payment. Refer to the e-Pay Tax user manuals for more detailed instructions on completing the payment process.

Step 12: Confirmation of Payment

  • Upon successful payment through the e-Filing portal, a confirmation message will be displayed.
  • Click “Back to Return Filing” to proceed with completing and submitting your Income Tax Return (ITR).

Income Tax e-filing

Step 13: Preview Your Return

  • Now, click on “Preview Return” to review your completed ITR before submission.

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Step 14: Declaration and Preview

  • On the “Preview and Submit Your Return” page, select the declaration checkbox and click “Proceed to Preview.”

Income Tax e-filing

Note: If you did not involve a tax return preparer (TRP) in preparing your return, you can leave the text boxes related to TRP information blank.

Step 15: Validate Your Return

  • After previewing your return, click on “Proceed to Validation” to ensure that all the information entered is accurate and free of errors.

Income Tax e-filing

Step 16: Proceed to Verification

  • After validating your return, on the “Preview and Submit Your Return” page, click “Proceed to Verification.”

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Note: If you are shown a list of errors in your return, you need to go back to the form and correct those errors. If there are no errors, you can proceed to e-Verify your return by clicking “Proceed to Verification.”

Step 17: Choose Verification Method

  • On the “Complete your Verification” page, select your preferred option and click “Continue.”
  • It is mandatory to verify your return, and e-Verification (the recommended option being “e-Verify Now”) is the easiest way to verify your Income Tax Return (ITR).
  • E-Verification is quick, paperless, and safer than sending a physically signed ITR-V to the Central Processing Centre (CPC) via speed post.

Income Tax e-filing

Note: If your Permanent Account Number (PAN) is inoperative, you will see a warning pop-up message stating that the taxpayer’s PAN is inoperative as it is not linked with Aadhaar. You can link your PAN with Aadhaar by clicking the “Link Now” option, otherwise click “Continue.”

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If you select “e-Verify Later,” you can submit your return. However, you will be required to verify your return within 30 days of filing your Income Tax Return (ITR).

Step 18: Complete e-Verification

  • On the e-Verify page, select the option through which you want to e-Verify your return, and then click “Continue.”

Note: Refer to the “How to e-Verify” user manual to learn more about the e-Verification process. If you select “Verify via ITR-V,” you need to send a physically signed copy of your ITR-V to the Centralized Processing Center, Income Tax Department, Bengaluru 560500 by speed post within 30 days. Please ensure you have pre-validated your bank account so that any refunds due can be credited directly to your bank account. Refer to the “My Bank Account” user manual for more information on validating your bank account details.

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After you successfully e-Verify your return, a confirmation message will be displayed along with the Transaction ID and acknowledgment number. You will also receive a confirmation message on the mobile number and email ID registered with the e-filing portal.

Reset Your Income Tax e-Filing Dashboard Password

Are you facing difficulties logging into your Income Tax e-Filing account because you’ve forgotten your password? Fortunately, the Income Tax Department has provided a handy “Forgot Password” service on the e-Filing portal to help you get back on track. This service allows you to reset your password using various authentication methods, ensuring that your account remains secure while providing you with a convenient way to regain access.

Prerequisite to Reset the Income Tax E-Filing Dashboard Portal Password

Before we get into the step-by-step process of resetting your password, let’s go over some essential prerequisites.

First and foremost, you must be a registered user on the e-Filing portal with a valid user ID. This could be your PAN (Permanent Account Number), Aadhaar number, or any other user ID assigned to you by the Income Tax Department, and Password.

Ways to Reset Income Tax e-Filing Dashboard Password

The authentication method you choose to reset your password may require you to have specific documents or access to certain information. Here’s a breakdown of the requirements for each option:

  1. Resetting your password using OTP (One-Time Password) on your mobile number registered with Aadhaar:
    • Your PAN must be linked with your Aadhaar (for individual taxpayers)
    • For non-individual taxpayers (except companies) and HUFs (Hindu Undivided Families), the PAN of the Principal Contact must be linked with Aadhaar
  2. Resetting your password using the e-Filing OTP on your registered mobile number and email ID:
    • You need access to the primary email ID and mobile number registered with your e-Filing account
  3. Resetting your password using your bank account EVC (Electronic Verification Code):
    • You need access to the mobile number and email ID registered with your bank account
    • Your bank account must be validated
  4. Resetting your password using your demat account EVC:
    • You need access to the mobile number and email ID registered with your demat account
    • Your demat account must be validated
  5. Resetting your password using a Digital Signature Certificate (DSC):
    • You must have a valid and active DSC
    • The emsigner utility should be downloaded and installed
    • Your DSC USB token should be plugged into your computer
    • The DSC USB token should be procured from a Certifying Authority provider and should be a Class 2 or Class 3 certificate
  6. Resetting your password using Net Banking:
    • Your PAN must be linked with your bank account
    • You must have a valid and active Net Banking account
    • The Net Banking option must be enabled using the e-Filing Vault Higher Security service

How to Reset Income Tax e-Filing Dashboard Password?

To reset your income tax e-filing password, follow the steps provided below:

Step 1: Visit the e-Filing homepage (https://www.incometax.gov.in/) and click on the “Login” option.

Reset Income Tax e-Filing Dashboard Password

Step 2: On the login page, enter your User ID (PAN/Aadhaar/Other User ID) and click on the “Continue” button.

Reset Income Tax e-Filing Dashboard Password

Step 3: After that, select the “Secure Access Message, Password” option, and then click on the “Forgot Password” option.

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Step 4: A new page will open where you’ll need to enter your user ID again in the “Enter User ID” box. Click on the “Continue” button after entering your user ID.

Reset Income Tax e-Filing Dashboard Password

Step 5: On the “Select an Option to Reset Password” page, you’ll be presented with various options to reset your password. Select the option that best suits your situation based on the prerequisites mentioned earlier. The availability of these options depends on the settings enabled for your account, which you can modify using the e-Filing Vault Higher Security service.

Reset Income Tax e-Filing Dashboard Password

Note: If you’ve only enabled one option in the e-Filing Vault Higher Security service, then only that specific option will be displayed for resetting your password.

Let’s go through each option in detail:

Option 1: Reset Income Tax Password using Aadhaar OTP

Step 1: On the “Select an Option to Reset Password” page, choose “OTP on the mobile number registered with Aadhaar,” and then click on “Continue.”

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Step 2: On the next page, select “Generate OTP.” An OTP will be sent to your registered mobile number. Enter the OTP in the designated area and click on “Continue.

Reset Income Tax e-Filing Dashboard Password

Step 3: You’ll be taken to a verification page. On the “Verify Your Identity” page, select the “Declaration” checkbox, and then click on “Generate Aadhaar OTP.”

Reset Income Tax e-Filing Dashboard Password

Step 4: Enter the 6-digit OTP received on your mobile number registered with Aadhaar in the “Enter the OTP” area, and then click on “Verify.”

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Please note the following points:

  • The OTP will be valid for 15 minutes only.
  • You’ll be given 3 attempts to enter the correct OTP.
  • If you don’t receive the OTP within 15 minutes, click on “Resend OTP” to generate and send a new OTP to your registered mobile number.

Step 5: After successful verification, you’ll be prompted to enter a new password in the “Set New Password” and “Confirm Password” boxes. Click on the “Submit” button after entering your new password.

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Remember to follow these password policies while creating your new password:

  • It should be at least 8 characters and at most 14 characters long.
  • It should include both uppercase and lowercase letters.
  • It should contain at least one number.
  • It should have at least one special character (e.g., @#$%).

After submitting your password, a success message will be displayed on your screen along with a Transaction ID. Make sure to note down the Transaction ID for future reference.

Option 2: Reset Income Tax Password using e-Filing OTP

Step 1: On the “Select an Option to Reset Password” page, select “Use e-filing OTP” option and then click on the “Continue” option.

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Step 2: Enter your Date of Birth by selecting the Day, Month, and Year of Birth as per the format, and then click on the “Continue” option.

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Step 3: Enter the two separate 6-digit OTPs received on your registered mobile number and email ID, and then click on the “Verify” option.

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Step 4: A “Reset Password” page will open. Enter a new password in the “Set New Password” and “Confirm Password” fields, and then click on the “Submit” button.

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A success message will be displayed along with a Transaction ID. Make sure to note down the Transaction ID for future reference.

Option 3: Reset Income Tax Password using bank account/demat account EVC

Step 1: On the “Select an Option to Reset Password” page, select “Bank Account EVC” (or “Demat Account EVC”). After selecting the option, click on “Continue.”

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Step 2: If you need to generate a new EVC, select “Generate EVC” and click on “Continue.” If you already have an EVC (Electronic Verification Code) from your bank account or demat account, click on “I already have an EVC.” Then, enter the EVC in the space provided and click on “Continue” to proceed to Step 4.

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Step 3: On the “Reset Password using Bank (or Demat) Account EVC” page, enter the EVC received on the mobile number and email ID registered with your bank (or demat) account in the “Enter EVC” textbox, and then click on “Continue.”

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Step 4: Finally, enter a new password in the “Set New Password” and “Confirm Password” fields, and then click on the “Submit” option.

Reset Income Tax Password

A success message will be displayed along with a Transaction ID. Note down the Transaction ID for future reference.

Option 4: Reset Income Tax Password using a Digital Signature Certificate (DSC)

Step 1: On the “Select an option to Reset Password” page, select “Upload Digital Signature Certificate (DSC).” Then click on the “Continue” option.

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Step 2: You’ll be taken to the “Verify Your Identity” page. Here, select the relevant option and click on the “Continue” button.

Reset Income Tax Password

Note:

  • If you already have a DSC registered on the e-Filing portal, select “Registered DSC.”
  • If you don’t have a DSC registered on the e-Filing portal, select “New DSC.”

Step 3: Now click on the “Click here to download emsigner utility” option.

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Step 4: After downloading and installing the emsigner utility, go back to the “Verify Your Identity” page. Check the box or select the option that says “I have downloaded and installed emsigner utility.” Then, click on “Continue.

Reset Income Tax Password

Step 5: You’ll be taken to the “Data Sign” page. Here, select your Provider, Certificate, and enter the Provider Password. Click on the “Sign” option.

Reset Income Tax Password

Step 6: Now, enter a new password in the “Set New Password” and “Confirm Password” textboxes, and click “Submit.”

Note:

  • Do not click “Refresh” or “Back” during the reset process.
  • While entering your new password, follow the password policies:
    • It should be at least 8 characters and at most 14 characters long.
    • It should include both uppercase and lowercase letters.
    • It should contain at least one number.
    • It should have at least one special character (e.g., @#$%).

A success message will be displayed along with a Transaction ID. Note down the Transaction ID for future reference.

Option 5: Reset Income Tax e-Filing Password using Net Banking

Step 1: After clicking on the “Forgot Password” option, click on “e-Filing Login using Net Banking.”

Reset Income Tax Password

Step 2: You’ll be taken to the “Login with Net Banking” page. Select your preferred bank and click on “Continue.

Reset Income Tax Password

Step 3: Read the disclaimer carefully and click on “Continue.”

Reset Income Tax Password

Step 4: You’ll be redirected to your bank’s Net Banking login page. Log in to your Net Banking account using your Net Banking user ID and password.

Step 5: Click on the link provided to log in to the e-Filing portal from your bank’s website.

Step 6: Once you’ve logged in successfully, you’ll be directed to your e-Filing Dashboard. To reset your e-Filing password, navigate to your profile and select the “Change Password” option.

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Tips and Strategies for Effective Tax Planning

While e-filing your ITR is an important step, it’s important to remember that effective tax planning should start at the beginning of the financial year. Here are some tips and strategies to help you maximize your tax savings:

  • Declare all income sources to your employer: If you have additional income sources, such as rental income or freelancing income, declare them to your employer. This will ensure that the correct TDS is deducted, and you won’t face any interest or penalty for late payment of taxes.
  • Submit proofs of investments and deductions: Provide your employer with proof of your investments and deductions, such as PF contributions, life insurance premiums, home loan repayment details, and medical insurance premiums. This will ensure that your Form 16 reflects the accurate deductions, and you won’t have to claim them separately during e-filing.
  • Attend tax planning workshops: Participate in tax planning workshops or seminars to gain a better understanding of the latest tax rules, deductions, and investment options. This knowledge will help you make informed decisions and maximize your tax savings.
  • Seek professional advice: If you have a complex financial situation or are unsure about your tax obligations, it’s advisable to seek professional advice from a qualified tax consultant or chartered accountant. They can guide you through the intricacies of tax planning and help you minimize your tax liability while remaining compliant with the law.
  • Review and update investments regularly: Periodically review your investments and make adjustments as needed to ensure you are taking advantage of all available tax deductions. This may involve shifting investments from non-deductible to deductible options or adjusting the investment amounts to maximize the deductions.
  • Plan for long-term investments: Certain investments, such as the Public Provident Fund (PPF) and the Equity Linked Savings Scheme (ELSS), offer tax benefits and can help you build a strong financial portfolio for the future. Consider these long-term investment options as part of your tax planning strategy.
  • Utilize tax-saving opportunities: Explore various tax-saving opportunities like donating to approved charitable organizations, investing in government-backed schemes, or taking advantage of deductions for specific expenses like tuition fees or medical insurance premiums.
  • Stay updated on tax laws: Tax laws and regulations are subject to change, so it’s essential to stay informed about any new developments or amendments. Subscribe to reputable financial publications, attend seminars, or consult with tax professionals to ensure you are up-to-date with the latest tax laws and can plan accordingly.