Description
Kuber Ind-TaxCare™
Personalized ITR Filing
CA-backed Income Tax Return filing for salaried individuals, freelancers, investors, NRIs, senior citizens & business owners — 100% online, transparent & secure across India.
📌 What is Income Tax Return (ITR) Filing?
Understanding what ITR is, who it covers, and what governs AY 2026-27 returns.
What is ITR?
A legal form filed with the Income Tax Department declaring your annual income, investments, deductions, and taxes paid for FY 2025-26.
FY vs AY
Financial Year (FY) 2025-26 = income earned Apr 2025–Mar 2026. Assessment Year (AY) 2026-27 = the year you file this return and pay tax on it.
E-Filing Mandatory
The IT Department mandates e-filing for most taxpayers via incometax.gov.in. AIS & Form 26AS now provide full income transparency.
New Default Regime
New Tax Regime (NTR) is the default from FY 2025-26. Actively opt out via Form 10-IEA before due date if Old Regime is beneficial.
❓ Why Income Tax Return Filing is Important
Filing an ITR is more than compliance — it is a financial necessity and a strategic tool.
Proof of Income
Accepted by banks, embassies, and government agencies for loans, visa applications, and property transactions.
Claim TDS Refunds
Reclaim excess TDS deducted on salary, FD interest, professional payments & other sources.
Loan & Credit Approvals
Banks and NBFCs require 2–3 years of ITR copies for home loans, personal loans & business credit lines.
Carry Forward Losses
Capital and business losses can only be carried forward if ITR is filed before the due date.
Visa Applications
USA, UK, Canada, and Schengen nations require 2–3 years of ITR for visa processing.
Financial Credibility
Builds your financial track record — useful for tenders, startup funding, and compliance ratings.
Avoid Penalties
Late filing u/s 234F: up to ₹5,000 penalty. Interest u/s 234A/234B/234C on unpaid tax also applies.
Tax Planning Tool
Annual filing tracks deductions, investments & helps plan future taxes with professional advisory.
🙋 Who Is Required to File ITR for AY 2026-27?
Even if income is below the taxable limit in some cases, you may still need or benefit from filing.
Income Above Exemption Limit
₹4L (New Regime) or ₹2.5L (Old Regime) for individuals below 60 yrs.
Senior Citizens (60–79 yrs)
₹3 lakh basic exemption under Old Regime — must file if income exceeds this.
Super Senior Citizens (80+ yrs)
₹5 lakh basic exemption under Old Regime — must file if income exceeds this.
Foreign Income or Foreign Assets
Schedule FA/FSI mandatory regardless of income level — even if below exemption limit.
Freelancers / Business Owners
ITR-3 or ITR-4 mandatory for all professional and business income.
Sec 139(1) Mandatory Filers
Foreign travel > ₹2L, electricity bill > ₹1L, professional TDS deducted, deposits > ₹1 Cr.
Crypto / VDA Holders
VDA income captured in AIS — must file to match & avoid scrutiny notices.
Company Directors
Filing mandatory regardless of directorship income — ITR-2 or ITR-3.
TDS Deducted or Refund Due
File to reclaim excess TDS on FD interest, salary, or professional payments.
Stock / MF Investors
Capital gains appear in AIS — file to avoid 143(1) intimations even if below taxable limit.
Loan / Visa Applicants
Home loans, education loans & most visa categories require 2–3 years of ITR.
Senior Citizens with FD Income
FD interest above ₹50,000 — file to claim 80TTB deduction accurately.
🆕 New Tax Slabs for FY 2025-26 (AY 2026-27)
Union Budget 2025 brought significant revisions. Know your correct slab before filing.
| Income Slab | Tax Rate (NTR) | Effective Tax | Note |
|---|---|---|---|
| ₹0 – ₹4,00,000 | Nil | ₹0 | Basic exemption |
| ₹4,00,001 – ₹8,00,000 | 5% | Up to ₹20,000 | — |
| ₹8,00,001 – ₹12,00,000 | 10% | Up to ₹40,000 | 87A rebate offsets |
| ₹12,00,001 – ₹16,00,000 | 15% | Up to ₹60,000 | — |
| ₹16,00,001 – ₹20,00,000 | 20% | Up to ₹80,000 | — |
| ₹20,00,001 – ₹24,00,000 | 25% | Up to ₹1,00,000 | — |
| Above ₹24,00,000 | 30% | As applicable | Max surcharge 25% |
| Income Slab | Below 60 yrs | Senior Citizens (60–79) | Super Seniors (80+) |
|---|---|---|---|
| Up to ₹2,50,000 | Nil | — | — |
| Up to ₹3,00,000 | — | Nil | — |
| Up to ₹5,00,000 | 5% | 5% | Nil |
| ₹5,00,001 – ₹10,00,000 | 20% | 20% | 20% |
| Above ₹10,00,000 | 30% | 30% | 30% |
| Factor | New Regime (Default) | Old Regime (Opt-in 10-IEA) |
|---|---|---|
| Basic Exemption | ₹4,00,000 | ₹2.5L / ₹3L / ₹5L (age-based) |
| 87A Rebate | ₹60,000 (up to ₹12L income) | ₹12,500 (up to ₹5L income) |
| Standard Deduction | ₹75,000 (salaried/pensioners) | ₹50,000 |
| 80C Deductions | ❌ Not allowed | ✅ Up to ₹1.5 lakh |
| HRA / LTA | ❌ Not allowed | ✅ Allowed |
| Home Loan Interest (24b) | ❌ Self-occupied not allowed | ✅ Up to ₹2 lakh |
| 80D Health Insurance | ❌ Not allowed | ✅ ₹25K / ₹50K (SC) |
| 80TTB (SC Interest) | ❌ Not allowed | ✅ Up to ₹50,000 |
| NPS Deduction (80CCD2) | ✅ Employer contribution allowed | ✅ Allowed |
| Best For | Lower deductions, higher income | High deductions & investments |
📄 ITR Forms for Individuals — AY 2026-27
Choosing the wrong form may lead to a defective return notice. Kuber guides you to the correct form.
Salaried & Pensioners
Investors & Multi-Source
Business / Profession
Presumptive Income
📥 Types of Income to Report in ITR
All income sources must be disclosed. AIS tracks them automatically — mismatches trigger notices.
Salary Income
Basic salary, HRA, DA, bonus, taxable allowances. Form 16 (Part A & B) is primary document. Standard Deduction: ₹75,000 (NTR) / ₹50,000 (OTR).
House Property
Rent from owned property (even jointly). Self-occupied property eligible for Sec 24b home loan interest deduction up to ₹2L (Old Regime only).
Capital Gains
Shares, MF, property, gold. LTCG above ₹1.25L @ 12.5% (equity). STCG @ 20% (post July 2024). Crypto/VDA @ 30% flat u/s 115BBH.
Business / Profession
Self-employed, freelance, consultancy, online earnings. Books of accounts may be required. Presumptive options available under 44AD/44ADA.
Other Sources
FD/savings interest, dividends, gifts, lottery winnings, director sitting fees. All must be declared — AIS tracks these automatically.
Foreign Income
Foreign salary, pension, overseas bank interest, foreign assets. Schedule FA/FSI mandatory regardless of income level or amount.
📋 Documents Required for ITR Filing — FY 2025-26
Keep these ready before starting your filing. Kuber provides a personalized checklist based on your income type.
PAN Card & Aadhaar
Form 16 (Salaried)
Bank Statements & Details
Investment Proofs (80C/80D/80G)
Rent Receipts & Loan Statements
Capital Gains Statements
Business / Professional Income
Form 26AS & AIS
Foreign Assets / Income (NRIs)
Senior Citizen Specific
💼 Kuber Ind-TaxCare™ — Choose Your Plan
8 carefully crafted plans for every income profile. All include CA review, AIS/26AS verification, Old vs New Regime comparison, e-Verification & ITR-V delivery.
- Salary / Pension / Interest income only
- LTCG u/s 112A up to ₹1.25L (new AY 2026-27)
- 26AS & AIS cross-verification
- Standard Deduction ₹75,000 (NTR)
- 80C claim under Old Regime (if opted)
- Old vs New Regime basic comparison
- New Regime default check for FY 2025-26
- Aadhaar-based e-Verification
- ITR-V via WhatsApp / Email
- Refund status tracking
- Pension income + Standard Deduction ₹50,000
- Higher exemption: ₹3L (SC) / ₹5L (Super SC)
- Sec 80TTB: FD interest up to ₹50,000
- Sec 80D: Health insurance up to ₹50,000
- Sec 80DDB: Medical expenses up to ₹1 lakh
- Section 194P eligibility check (75+ yrs)
- NTR vs OTR senior-specific comparison
- CBDT scrutiny exemption verification
- FD & savings interest AIS reconciliation
- Refund status tracking
- Salary + Interest + One House Property
- HRA / Home Loan Interest Claim (Sec 24b)
- Full deductions: 80C, 80D, 80G, 80E, 80EEA
- Detailed NTR vs OTR comparison (FY 2025-26)
- Mandatory regime disclosure in ITR
- Form 10-IEA (Old Regime opt-out) filing
- Rent receipts & loan certificate processing
- E-Verification & ITR-V delivery
- LTCG @ 12.5% above ₹1.25L (Sec 112A)
- STCG @ 20% (post July 2024 amendment)
- Capital gains statement reconciliation
- Crypto / VDA reporting u/s 115BBH
- Equity / F&O / MF with grandfathering
- Loss Carry Forward support (STCL/LTCL)
- AIS–TIS mismatch auto-verification
- Tax Refund Projection
- CA-certified computation sheet
- 44ADA limit now ₹75L (95%+ digital receipts)
- Freelance / consulting / digital income
- Business expense sheet creation
- Bank statement analysis & reconciliation
- GST data linking with GSTR-1/3B
- Form 10-IEA for regime selection
- Mandatory bank balance disclosure (new)
- Future tax planning advisory included
- NRI Residential Status Determination
- Schedule FA & FSI with foreign assets
- DTAA Benefits & Foreign Tax Credit (FTC)
- Form 67 Filing (FTC claim)
- NRO Income TDS Reconciliation
- Seafarers' Income Exemption Assistance
- FEMA repatriation advisory
- NTR applicability check for NRIs
- 44AD limit now ₹3 Cr (95%+ digital)
- Small business / shop income (GST or non-GST)
- Income & expense ledger support
- GST 3B & GSTR-1 data linking
- Advance Tax & Professional Tax check
- Audit applicability determination
- Financial Summary + Tax Computation PDF
- Mandatory Bank Balance disclosure
- Personalized filing by Chartered Accountant
- Schedule AL — Assets & Liabilities (income >₹50L)
- Multi-source: salary, rent, CG, profession, foreign
- Schedule FA, FSI, CG & exempt income
- Tax Optimization Report for next FY
- Advance Tax planning (quarterly)
- 1 IT Notice Response FREE (same AY)
- Revised Return support (till Mar 2027)
- Priority: Phone / Email / WhatsApp
➕ Enhance Your Filing — Add-on Services
Available with any plan. Add only what you need. All prices exclude 18% GST.
🗓️ Due Dates for ITR Filing — AY 2026-27
Mark these dates carefully. Missing a deadline costs penalties, loss of carry-forwards & Old Regime rights.
Salaried, Pensioners, Investors — ITR-1 & ITR-2 (Non-Audit)
Primary due date for most individuals. Includes MF investors with LTCG up to ₹1.25L.
Freelancers, Business Owners, Proprietors — ITR-3 & ITR-4 (Non-Audit)
Extended via Budget 2026 — professionals and businesses without audit requirement.
Audit Cases — Business / Profession
Businesses and professionals where tax audit under Sec 44AB is applicable.
Transfer Pricing Cases
Entities with international transactions subject to transfer pricing regulations.
Belated Return (with Penalty)
Last date to file a late return for AY 2026-27 with ₹5,000 penalty u/s 234F.
Revised Return — Correct Errors in Filed ITR
Correct errors in your AY 2026-27 return — extended deadline under new rules.
Updated Return u/s 139(8A)
Declare missed income with additional tax — available up to 31st March 2029 for AY 2026-27.
🔧 Our 6-Step ITR Filing Process
Simple, transparent, and fully online. No walk-in required — just WhatsApp or Email.
Free Consultation & Tax Profiling
Book via website or WhatsApp. Experts assess income sources, deductions & goals. Determine ITR form and tax regime (New is default — opt out via 10-IEA if beneficial).
Document Collection & Review
Upload documents via email or WhatsApp. We verify & match with Form 26AS, AIS & TDS certificates. This step prevents future tax notices.
Income Computation & Tax Calculation
Compute Gross Total Income, Chapter VI-A deductions & final tax liability or refund. Old vs New Regime comparison with revised FY 2025-26 slabs.
Draft ITR & Client Approval
Draft ITR shared for your review. You request corrections before final submission — no filing without your go-ahead.
Filing & E-Verification
E-file via incometax.gov.in. Assist with e-Verification (Aadhaar OTP / EVC / DSC). ITR-V Acknowledgment & computation copy delivered.
Post-Filing Support & Refund Tracking
Monitor refund status. Free support for IT notices or rectification within same AY. Tax planning advisory for next FY included.
🔷 Why Choose Kuber Consultancy Services?
Professional. Transparent. Trusted. Serving taxpayers across India with expert CA-backed filing since inception.
CA + CMA Qualified Team
Experienced Chartered Accountants with CMA background handle every return personally. No outsourcing.
100% Confidential
End-to-end data security. Your financial information is never shared with third parties.
100% Online — PAN India
WhatsApp or Email. No walk-in required. Serving clients across India and overseas.
Transparent Pricing
All-inclusive GST pricing. No hidden charges. Fixed plan — no surprise add-ons post payment.
Old vs New Regime Comparison
FY 2025-26 slab comparison provided for every client before filing. Informed decisions only.
Year-Round Support
Not just tax season — refund tracking, notice support & planning advisory year-round.
All Profiles Covered
Salaried, freelancers, investors, NRIs, seniors, creators, business owners — one firm, all profiles.
Fast Turnaround
2–4 working days from complete document receipt. Priority processing available.
🧾 Services Covered & Frequently Asked Questions
Every income profile covered. Expand any question for a detailed answer.
Basic Salary Filing (ITR-1)
Salaried employees & pensioners — includes LTCG up to ₹1.25L (new AY 2026-27 provision)
Capital Gains Filing (ITR-2)
Investors in stocks, crypto, MF, or property — STCG/LTCG with carry-forward support
Freelancers & Professionals (ITR-3)
Consultants, doctors, lawyers, designers, coaches with actual books of accounts
Presumptive Income (ITR-4)
44ADA (₹75L limit) / 44AD (₹3 Cr limit) — simplified filing, no detailed books required
Senior Citizen & NRI Filing
80TTB, 80DDB, DTAA, Form 67, NRO reconciliation — specialist expertise
Revised / Belated Return
Fixing errors or late returns — belated Dec 2026 / revised Mar 2027 deadlines
IT Notice Handling
143(1), 139(9), 142(1), 148 notices — expert response drafting and submission
Tax Regime Advisory
Form 10-IEA filing for Old Regime opt-out; NTR default compliance for FY 2025-26
Old Regime: ₹2.5 lakh (below 60 yrs) · ₹3 lakh (Senior Citizens 60–79 yrs) · ₹5 lakh (Super Senior Citizens 80+ yrs).
AIS (Annual Information Statement): A comprehensive report showing all income — interest, dividends, stock sales, MF transactions, crypto, foreign income, rent, and more. AIS is now mandatory to review before filing for AY 2026-27. Kuber cross-verifies AIS vs 26AS vs your income proofs line-by-line.
Sec 44ADA (Professionals — doctors, CAs, lawyers, engineers, consultants): Declare 50% of gross receipts as income. Limit: ₹75 lakh (if 95%+ receipts are digital/cheque).
Sec 44AD (Small Businesses): Declare 8% (cash) or 6% (digital) of turnover as income. Limit: ₹3 crore (if 95%+ transactions are digital).
- 31st July 2026 — Salaried, pensioners, investors (ITR-1, ITR-2)
- 31st August 2026 — Freelancers, business owners non-audit (ITR-3, ITR-4) — extended Budget 2026
- 31st October 2026 — Audit cases (Sec 44AB)
- 30th November 2026 — Transfer pricing cases
- 31st December 2026 — Belated return (with ₹5,000 penalty)
- 31st March 2027 — Revised return (extended new rules)
- 31st March 2029 — Updated return u/s 139(8A)
- GST filing — GSTR-1, GSTR-3B, annual return
- TDS filing — 24Q, 26Q, 27Q
- Accounting & bookkeeping
- Company incorporation (Private Limited, LLP, OPC)
- Trademark registration
- FSSAI & other business licenses
- Audit support
📦 Service Order Status — How We Track Your Filing
Complete transparency at every stage. You'll be updated via WhatsApp at each step.
Order Placed / Payment Confirmed
Your service has been activated
Documents Received
We have received your documents
Documents Not Received
Pending submission from your end
Client Not Responding
We have tried to reach you
Documents Pending (Informed)
Specific documents awaited
Draft Sent for Approval
Draft ITR shared for your review
Approved by Client
Approved — ready to file
Filed — E-Verification Pending
ITR filed; e-Verification required
Completed
ITR filed, verified, ITR-V delivered ✅
Refund Tracking Active
Refund being monitored on your behalf
📞 Contact Kuber Consultancy Services
| 🔷 Why Should I Use Kuber Consultancy Services for Income Tax Return Filing? At Kuber Consultancy Services, we offer more than just ITR filing — we deliver peace of mind. Our team of experienced Chartered Accountants and tax experts ensures accurate filing, personalized advice, and full compliance with the latest provisions under the Income Tax Act, 1961. With changes like the new tax slabs, AIS (Annual Information Statement), Form 26AS matching, and more stringent tracking by the IT Department, professional handling is no longer optional but necessary. We understand that each individual’s income scenario is unique. Whether you are a salaried employee, freelancer, property owner, or investor in stocks or mutual funds, we tailor our services accordingly. Our platform provides end-to-end support, including tax planning, documentation help, and post-filing compliance assistance like responding to notices or tracking refunds. Our process is digital-first but human-backed. You can easily upload your documents via email or a secure client dashboard, and our experts will review everything personally. We also offer year-round support, not just during tax season. 🧾✨ |
- Income above the Basic Exemption Limit – For FY 2024-25, the limit is:
- ₹2.5 lakh (Old Regime)
- ₹3 lakh (New Regime)
- TDS Deducted or Refund Due – If TDS is deducted (e.g., from salary, FD interest), you must file to claim refund.
- Foreign Income or Assets – If you hold foreign assets (stocks, bank accounts), or receive income from abroad, ITR filing is mandatory regardless of income level.
- Freelancers/Professionals/Business Owners – Income from self-employment or business must be reported using ITR-3/4.
- Loan/Travel/Visa Applicants – Filing ITR is often a prerequisite for loan approval and visa processing for countries like USA, Canada, UK, etc.
- Investors in Crypto, Shares or Mutual Funds – Even if there’s no gain, it’s advisable to report your capital assets to avoid scrutiny later.
- The ITR-V contains your name, PAN, assessment year, filing date, income details, tax paid, and refund/dues.
- It confirms that your return is submitted and under processing.
- If not e-verified, you must physically sign and send the ITR-V to CPC Bengaluru within 30 days.
- You can also e-verify using Aadhaar OTP, bank account login, NetBanking, or demat account.
| 📞 Why Choose Kuber Consultancy Services for ITR Filing ✅ Experienced Chartered Accountants (CAs) ✅ Safe & Confidential Document Handling ✅ Support for Salaried, Freelancers, NRIs, and Senior Citizens ✅ Transparent Pricing – No Hidden Charges ✅ PAN India Online Service – Just WhatsApp or Email ✅ Free Support for Refund Tracking & Notices |
| Category | Due Date (AY 2025-26) |
| Individuals / Salaried (Non-Audit) | 🗓️ 31st July 2025 |
| Individuals / Professionals (Audit Cases) | 🗓️ 31st October 2025 |
| Belated or Revised Return | 🗓️ 31st December 2025 |
Excellent service for ITR filing. The team handled my Beyond Salary TaxSaver case very professionally and explained everything clearly. Filing was done smoothly and on time without any stress.
Very satisfied with the support and guidance provided.
Income Tax return filed in easy way and guide on tax savings also
Great service! The Kuber team helped me file my ITR without any stress. They explained things clearly and kept me updated throughout. Super professional yet friendly — definitely recommending them to others!