Income Tax Returns
How do you file your income tax return (ITR)?
To file your income tax return you gather your income documents, work out your tax under the right ITR form, submit it on the income-tax portal, and e-verify. KarSuvidha does the heavy lifting in between.
Upload your AIS and Form 16, and we read the numbers, pick the right form, compute your tax under both regimes, and generate a ready-to-file draft — you finish on the government portal in a few clicks.
What you need to file
- Your PAN and Aadhaar
- Form 16 from your employer (for salary and TDS)
- Your AIS from the income-tax portal (interest, dividends, capital gains, tax paid)
- Bank account details for any refund
How filing works with KarSuvidha
- 1Upload
Drop in your AIS and Form 16. We read the numbers off them, so you barely type anything. No documents? You can still enter everything by hand.
- 2Review
Walk through what we found, add anything missing, and confirm your income and deductions. We compute your tax under the old and new regimes and default to whichever costs you less.
- 3Generate
We build your return as a draft file and hand it to you. From here you file it yourself for free, or pass it to a CA to review and file.
How your draft becomes a filed return
KarSuvidha produces your return as a draft file. You open that draft in the government's free Common Offline Utility, which checks it, signs it, and lets you upload it to the income-tax portal.
After uploading you e-verify — usually with an Aadhaar OTP — and your filing is done.
KarSuvidha never uploads or submits on your behalf. The final step is always in your hands, and we walk you through each part in the self-file guide after you generate.
Which ITR form do I need?
You don't pick a form — we work it out from your income. Salary, one house, and ordinary interest or dividends usually means the simplest return; capital gains or more than one house moves you up; small business or professional income under the presumptive scheme has its own form.
If your situation needs a form we don't support yet, we tell you and point you to a chartered accountant.
Old regime or new regime?
We compute your tax both ways and default to whichever costs you less.
The old regime rewards deductions like 80C, home-loan interest, and HRA; the new regime has lower slab rates but drops most deductions. You can override our pick and watch the number change.
Self-file for free, or have a CA do it
Once your draft is ready you have two paths. Self-file for free using the government utility — we guide you step by step.
Or hand it to a chartered accountant who reviews and files on your behalf. You can start self-filing and bring in a CA only if your case turns out to be complex.
How to file your ITR with KarSuvidha
- 1Create your account
Sign up on KarSuvidha — it's free to start, with no payment to file yourself.
- 2Upload your AIS and Form 16
We read your salary, interest, dividends, capital gains, and tax paid so you don't type them in.
- 3Review and pick a regime
Confirm your income and deductions. We compute the old and new regimes and default to the cheaper one.
- 4Generate your return draft
We build a ready-to-file draft of your ITR and check it as we go.
- 5File on the portal and e-verify
Open the draft in the government's Common Offline Utility, upload it to the income-tax portal, and e-verify to finish.
Filing your ITR — frequently asked
- Can I file my ITR myself online?
Yes. With KarSuvidha you upload your AIS and Form 16, review what we found, and generate a ready-to-file draft.
You then file that draft on the income-tax portal through the government's free Common Offline Utility and e-verify — no CA required.
- Is filing with KarSuvidha free?
Self-filing is free. You upload your documents, generate your return draft, and file it yourself at no cost.
If you'd rather a chartered accountant review and file for you, that's a paid option you can choose instead.
- Does KarSuvidha submit my return for me?
No. We generate your return as a draft. You file it yourself on the income-tax portal using the government's Common Offline Utility, which validates and signs it.
The final upload and e-verification are always in your hands — we never submit on your behalf.
- Which ITR form do I need?
We work it out from your income, so you don't have to choose. Salary with ordinary interest and dividends usually means the simplest form; capital gains or a second house moves you up; presumptive business or professional income has its own form.
If your case needs a form we don't support yet, we'll tell you and point you to a CA.
- What is the ITR filing deadline?
For most individual filers, returns are due by 31 July of the assessment year — so income earned in financial year 2025-26 is filed by 31 July 2026.
Filing late can mean a penalty and the loss of some carry-forward benefits, so it's best not to leave it to the last day.
- Do I need a CA to file my income tax return?
Not for straightforward returns — salary, one house, ordinary interest and dividends, capital gains, or presumptive business income can be self-filed with KarSuvidha.
For more complex cases, you can have a chartered accountant review and file through KarSuvidha instead.
File your ITR without the noise
Upload your AIS, review in plain English, and generate your draft.