Income tax return file karna har saal ka sabse important financial task hai. Bhopal ke residents ke liye yeh guide covers karti hai — 2026 ki deadline, new vs old tax regime comparison, konsa ITR form use karein, kya documents chahiye, aur late filing pe kitni penalty lagti hai. Pragati Saathi mein ITR filing ₹999 se start hoti hai.
📅 Key Dates — AY 2026-27 (FY 2025-26)
Individuals: 31st July 2026 · Audit Cases: 31st October 2026 · Belated Return: 31st December 2026 · Revised Return: 31st December 2026
New Tax Regime Slabs 2026-27 (Default)
Budget 2025-26 ke baad new tax regime default hai. Aap old regime bhi choose kar sakte hain, lekin explicitly opt karna hoga.
| Income Slab | Tax Rate (New Regime) |
|---|---|
| Up to ₹4,00,000 | Nil |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
Standard deduction: ₹75,000 (salaried/pension). New regime mein ₹12 lakh tak income par effectively zero tax — Section 87A rebate ke saath.
Old Tax Regime Slabs (Optional)
| Income Slab | Tax Rate |
|---|---|
| Up to ₹2,50,000 | Nil |
| ₹2,50,001 – ₹5,00,000 | 5% |
| ₹5,00,001 – ₹10,00,000 | 20% |
| Above ₹10,00,000 | 30% |
Old regime mein deductions milte hain: 80C (₹1.5L), 80D (₹25K-₹1L), HRA, home loan interest (₹2L), NPS (₹50K extra). Agar total deductions ₹3-4 lakh+ hain to old regime better ho sakta hai.
Konsa ITR Form Use Karein?
| ITR Form | Kiske Liye |
|---|---|
| ITR-1 (Sahaj) | Salaried individuals — income up to ₹50L, one house property, other sources |
| ITR-2 | Capital gains wale individuals, ₹50L+ income, multiple properties, foreign income |
| ITR-3 | Business/profession income wale individuals & HUFs |
| ITR-4 (Sugam) | Presumptive income — Section 44AD/44ADA/44AE (small businesses) |
| ITR-5 | Partnership firms, LLPs, AOPs |
| ITR-6 | Companies (except Section 11) |
Documents Required
- PAN Card + Aadhaar Card (linked mandatory)
- Form 16 from employer (salaried)
- Form 26AS — TDS details (download from incometax.gov.in)
- AIS (Annual Information Statement) — new comprehensive statement
- Bank statements — interest earned details
- Investment proofs: PPF, ELSS, LIC, NPS statements (80C)
- Health insurance premium receipts (80D)
- Home loan interest certificate from bank
- Capital gains statements — mutual fund, stocks, property
- Rent receipts + landlord PAN (for HRA claim)
- Business income details — P&L, Balance Sheet (ITR-3/4)
Late Filing Penalty
| Scenario | Penalty |
|---|---|
| Income ≤ ₹5 lakh, filed after deadline | ₹1,000 |
| Income > ₹5 lakh, filed after deadline | ₹5,000 |
| Interest on unpaid tax (Section 234A) | 1% per month |
| Interest on advance tax default (234B) | 1% per month |
| Loss carry forward | Not allowed in late filing |
⚠️ Important: PAN-Aadhaar Link
PAN aur Aadhaar link hona mandatory hai. Link nahi hai to PAN inactive ho jayega, ITR file nahi hoga, refund nahi aayega, aur TDS higher rate par katega. Check status: incometax.gov.in → "Link Aadhaar Status".
Bhopal Mein ITR Filing — Pragati Saathi Pricing
| Service | Price |
|---|---|
| ITR-1 (Salaried — Simple) | ₹999 |
| ITR-2 (Capital Gains / Multiple Income) | ₹1,999 |
| ITR-3 (Business / Professional) | ₹2,999 |
| ITR-4 (Presumptive Income) | ₹1,499 |
| Company / LLP ITR | ₹5,999+ |
| Tax Planning Consultation | Free |
💡 Tax Saving Tips — Before 31st March!
- 80C: PPF, ELSS, LIC premium, tuition fees — max ₹1.5 lakh
- 80D: Health insurance premium — self ₹25K + parents ₹25-50K
- 80CCD(1B): NPS additional deduction — ₹50K (old regime)
- Home Loan: Interest up to ₹2L deduction (old regime)
- Standard Deduction: ₹75K (new regime), ₹50K (old regime)
Q: ITR 2026 ki last date kya hai?
Individuals: 31st July 2026. Audit cases: 31st October. Belated: 31st December with penalty.
Q: ITR filing mein kya documents chahiye?
PAN, Aadhaar, Form 16, Form 26AS, AIS, bank statements, investment proofs, rent receipts.
Q: Late filing pe kitni penalty?
₹5L tak income: ₹1,000. ₹5L+: ₹5,000. Plus 1% monthly interest on unpaid tax.
Q: New vs old tax regime — konsa better?
Deductions ₹3-4L+ hain to old regime. Otherwise new regime mein kam tax. CA se consultation lein exact calculation ke liye.
Q: Bhopal mein ITR filing cost?
Pragati Saathi: ₹999 se start (ITR-1). Business ITR ₹2999+. Free tax planning consultation included.
💰 ITR Filing Karwayein — ₹999 Se Start!
CA Neha Verma personally review karti hain har return. Tax planning + filing + refund tracking — complete package. 5000+ returns filed.
📍 M.P. Nagar, Bhopal · ☎️ +91-7987646520