# ITR-1 Filing > Get your ITR-1 (Sahaj) prepared and filed by a tax expert. We check Form 16 against your AIS, compare the old and new tax regime and claim every deduction you are eligible for. It is meant for salary, pension, up to 2 houses, interest. At ITR Filing Online (itrfilingonline.in), a tax expert prepares and files your ITR-1 Filing online within Usually within. URL: https://itrfilingonline.in/itr-1-filing Fee: from ₹549 (50% off ₹1,099) Turnaround: Usually within 24 hours Contact: +91 99111 46650 (call/WhatsApp), go@itrfilingonline.in ## About ITR-1, known as Sahaj, is the shortest income tax return form in India. It is meant for resident individuals whose total income does not exceed ₹50 lakh and comes from salary or pension, house property, and other sources such as savings account interest, fixed deposit interest or family pension. From AY 2025-26, long-term capital gains on listed shares and equity mutual funds under section 112A can also be shown in ITR-1, as long as they do not exceed ₹1.25 lakh. Returns for FY 2025-26 (AY 2026-27) are filed under the Income-tax Act, 1961; the new Income-tax Act, 2025 applies only from tax year 2026-27 onward. Who should not use ITR-1 Non-residents and “resident but not ordinarily resident” individuals Anyone whose total income is above ₹50 lakh Company directors and people holding unlisted equity shares Anyone with foreign assets, foreign income or a foreign bank account People with business or professional income, including F&O or intraday trading Anyone with short-term capital gains, other capital gains, or losses to carry forward Anyone with agricultural income above ₹5,000 Key rules for FY 2025-26 The new tax regime is the default. Its slabs are: nil up to ₹4 lakh, 5% from ₹4 to 8 lakh, 10% from ₹8 to 12 lakh, 15% from ₹12 to 16 lakh, 20% from ₹16 to 20 lakh, 25% from ₹20 to 24 lakh and 30% above ₹24 lakh. Salaried people get a standard deduction of ₹75,000, and the rebate under section 87A (up to ₹60,000) makes tax nil when taxable income is up to ₹12 lakh. Under the old regime, the standard deduction is ₹50,000, the rebate is up to ₹12,500 for taxable income up to ₹5 lakh, and deductions such as 80C, 80D and HRA are allowed. Health and education cess of 4% applies on the tax. A salaried person can choose either regime each year, but the old regime can be chosen only in a return filed by the due date. Common mistakes we see Leaving out FD or savings interest because it is not in Form 16 Claiming the basic exemption twice after a job change Claiming 80C or HRA while filing under the new regime Wrong bank account for refund, or an account that is not pre-validated Filing but forgetting to e-verify within 30 days How our expert handles your ITR-1 Step 1: We check that ITR-1 is the right form for you. Step 2: We match Form 16 with Form 26AS and AIS, line by line. Step 3: We compute tax under both regimes and explain which is lower. Step 4: We share a summary for your approval before filing. Step 5: We file, guide you through e-verification and track the refund. A short example Suppose your salary is ₹11,00,000 and you earned ₹60,000 as FD interest, on which the bank deducted TDS of ₹6,000. Under the new regime, gross income is ₹11,60,000. After the standard deduction of ₹75,000, taxable income is ₹10,85,000. Tax on slabs is ₹20,000 plus ₹28,500, i.e. ₹48,500, but since taxable income is below ₹12 lakh, the section 87A rebate brings it to nil. If your employer deducted no TDS, the full ₹6,000 deducted by the bank comes back to you as a refund once the return is processed. Leaving out the interest would have meant a mismatch with AIS instead. ## What is covered - **Form 16 & salary check**: We match your salary, allowances and TDS in Form 16 with Form 26AS and AIS so the department sees the same numbers you report. - **Old vs new regime**: We calculate your tax under both regimes and file under the one that saves you more, explaining the difference in simple words. - **Deductions**: Under the old regime we claim every eligible deduction backed by your proofs. - **Refund tracking**: After filing we help you track the refund and respond if the department asks for clarification. ## When you need it - **You received Form 16**: Your employer has deducted TDS and you want to file quickly and correctly. - **TDS was deducted on FD interest**: Banks deducted tax and you want the extra amount refunded. - **You changed jobs**: Two Form 16s often double-count the basic exemption — we fix it before it becomes a demand. - **You want a refund faster**: A clean, AIS-matched return is processed quicker. ## Benefits - **Maximum legal refund**: Every eligible deduction claimed, nothing risky. - **No mismatch notices**: AIS and 26AS reconciled before filing. - **Done in a day**: Most ITR-1 returns are filed within 24 hours of complete documents. - **Explained simply**: You understand your tax — not just the final number. ## Documents required - PAN and Aadhaar (linked) - Form 16 from each employer - Annual Information Statement (AIS) / Form 26AS - Bank account details for refund - Interest certificates (savings, FD) - Proofs for 80C, 80D and other deductions - Home loan interest certificate (if any) - Rent receipts, if claiming HRA ## Process 1. **Book & talk to an expert** — You request a callback or message us on WhatsApp. We understand your income sources in a 10-minute call. 2. **Share documents** — Send Form 16, AIS/26AS and proofs on WhatsApp or email. We tell you if anything is missing. 3. **We prepare your return** — We reconcile AIS and 26AS, compare the old and new regime and prepare the computation. 4. **You review & approve** — You see the final tax, refund and every figure before anything is filed. 5. **Filed & e-verified** — We file on the official portal and help you e-verify with Aadhaar OTP. You receive the ITR-V and computation. ## FAQs ### Is it mandatory to file ITR if my income is below ₹12 lakh? Yes, in most cases. The 87A rebate only makes your tax nil; it does not remove the duty to file. Filing is required when gross total income exceeds the basic exemption limit of ₹4 lakh under the new regime or ₹2.5 lakh under the old regime. Filing is also needed to claim any TDS refund. ### Can I switch between the old and new tax regime every year in ITR-1? Yes. If you have no business or professional income, you can pick either regime each year while filing. The condition is that the old regime can be chosen only in a return filed on or before the due date. A belated return is automatically processed under the new regime, which is the default. ### Why is the TDS in my Form 16 different from Form 26AS? Usually because your employer filed its TDS return late or with a mistake, or because other deductors such as banks also deducted tax. The department gives credit only for TDS shown in Form 26AS. We compare both documents and, where needed, ask you to get the employer to correct its TDS return. ### How do I claim HRA if it is missing from my Form 16? You can still claim HRA exemption directly in your return, but only under the old regime. Keep rent receipts and the rent agreement ready. If the annual rent paid is above ₹1 lakh, the landlord’s PAN is needed. We calculate the exempt amount using the lowest of the three limits given in the law. ### Do senior citizens above 75 years need to file ITR-1? Not always. Under section 194P, a resident senior citizen aged 75 or more, whose only income is pension and interest from the same specified bank, can submit a declaration to that bank. The bank then computes and deducts the tax, and no return is required. If there is any other income, a return must be filed. ### Can I file ITR-1 if I have agricultural income? Yes, but only if your agricultural income is ₹5,000 or less in the year. If it is more than ₹5,000, you must file ITR-2 instead. Agricultural income itself is exempt, but when it crosses ₹5,000 it is added for rate purposes, so it must be reported correctly in the right form. ### What happens if I do not e-verify my ITR within 30 days? A return that is not verified is treated as not filed. If you verify after 30 days, the date of verification is taken as the filing date, so a late fee under section 234F may apply. E-verification is quick through Aadhaar OTP, net banking or a pre-validated bank account on the portal. --- ITR Filing Online is a brand of TaxCaller India LLP (LLPIN AAQ-7388).