ITR Filing Online with a real tax expert.

ITR filing online, done by an expert, not a form-filling tool

Most "ITR filing online" options fall into two groups. Free utilities and apps let you fill the return yourself. It is fast, but every decision is yours: which form, which regime, whether the interest in your AIS is taxable, how to show an old mutual fund sale. Local agents do it for you, but you usually have to visit an office, wait, and rarely see how your tax was worked out.

How expert ITR filing online is different

We sit in between. You get a named tax expert who does the work, and you do it entirely from your phone. The difference shows in small things that change the final tax:

• Your AIS is read line by line. Savings interest, dividend, a fixed deposit you forgot, rent reported by a tenant, a share sale: each entry is matched against your documents before anything is filed.
• Both tax regimes are calculated for your numbers. Not a rule of thumb, but the actual tax under the old and the new regime, side by side, so you choose with figures in front of you.
• You see the computation before filing. We send a one-page summary: income, deductions, tax, TDS already paid, refund or balance due. Nothing is filed until you say yes.
• Help does not end at the acknowledgement. Refund delays, a defective return notice under section 139(9) or an intimation under section 143(1) are handled by the same team.

That is what we mean by ITR filing online with a real tax expert: the convenience of an app, with a person who is accountable for the numbers.

Which ITR form is right for you

Filing the wrong form is one of the most common reasons a return is marked defective. The form depends on the type of income, not on how much you earn.

If two forms seem to fit, the form for the more complex income wins. A salaried person who also traded futures and options files ITR-3, not ITR-1. Not sure? Our free Which ITR form tool asks five questions and tells you, or an expert decides it on the first call.

Old vs new tax regime for FY 2025-26

The new regime is the default. You can choose the old regime while filing, and salaried people without business income can switch every year. The new regime has lower rates but almost no deductions; the old regime keeps deductions like 80C, 80D, HRA and home-loan interest.

Under the new regime the rebate under section 87A makes tax nil when taxable income is up to ₹12 lakh, and salaried people also get a standard deduction of ₹75,000, so salary up to ₹12.75 lakh usually pays no tax. The rebate does not cover special-rate income such as capital gains on shares.

When does the old regime still win? Usually when your deductions together are large, for example a home loan with high interest, full 80C, health insurance for parents and HRA in a metro city. The only reliable answer is to calculate both, which we do for every return. You can try it yourself with our income tax calculator.

Shares, mutual funds and capital gains in your return

If you sold shares, equity mutual funds or ETFs during the year, ITR-1 is no longer allowed and the gains go into the capital gains schedule of ITR-2 (or ITR-3 if you also have business income or trade in F&O). For sales made after 23 July 2024, the rates on listed equity are:

• Short-term gains (held 12 months or less): 20% under section 111A.
• Long-term gains (held more than 12 months): 12.5% under section 112A on the amount above ₹1.25 lakh in the year.
• Debt mutual funds bought on or after 1 April 2023: gains are added to your income and taxed at your slab rate, whatever the holding period.

Two points catch people out. The ₹12 lakh zero-tax limit of the new regime does not cover gains taxed at these special rates, so a return can show tax even when total income looks small. And losses matter: a short-term loss this year can be set off against gains and carried forward for eight years, but only if the return is filed by the due date.

We work from your broker's capital gains statement and the consolidated mutual fund statement, match every sale with AIS and apply grandfathering for shares bought before 1 February 2018. For a quick estimate, try our capital gains calculator. Intraday and F&O trades are treated as business income; our F&O and trader ITR filing service handles those, including the tax audit check.

ITR filing for NRIs, freelancers and small businesses

NRIs. Your residential status is decided for each financial year, mainly by the number of days you were in India (182 days is the basic test, with extra conditions for people who visit often). An NRI cannot use ITR-1, so rent, interest, capital gains or a property sale in India go into ITR-2. We claim TDS credits, apply the tax treaty (DTAA) rate where it is lower, and help with refunds of the higher TDS that buyers and banks often deduct. See our NRI ITR filing service.

Freelancers and consultants. Professionals can use presumptive taxation under section 44ADA and declare 50% of receipts as income, without books of account, as long as gross receipts stay within ₹75 lakh and cash receipts are no more than 5%. It is often the simplest and cheapest option, but not always: if your real expenses are higher, normal books may save more tax. We compare both on our ITR filing for freelancers service.

Shop owners and small businesses. Section 44AD lets you declare 6% of digital receipts (8% of cash receipts) as income, with a turnover limit of ₹3 crore when cash receipts are within 5%, and ₹2 crore otherwise. The return is ITR-4 for eligible residents or ITR-3 for everyone else. Remember that GST turnover and the turnover in your ITR should match, because the department compares them. The 44AD presumptive tax calculator shows your figure.

ITR filing charges: what you pay and what is included

Our fee depends on the work your return needs, not on how much refund you get. A salaried return with one Form 16 takes far less time than a return with share trading, foreign income or a business. Each service page shows its plans with the original price and the current offer price, so you know the range before you call.

• Basic: straightforward returns: one main income, few deductions.
• Premium: what most people choose: every deduction checked, refund followed up until it is credited.
• Elite: capital gains, multiple income sources, foreign income or complex cases, handled by a senior expert.

The expert confirms the exact fee on the first call, before any work starts. There are no hidden charges, and if your case turns out simpler than expected you pay the lower plan. Compare this with what a chartered accountant charges for ITR filing in your city, and with the cost of a single mistake that leads to a notice.

After you file: e-verification, processing and refund

A return is complete only after it is verified. You have 30 days from filing to e-verify it with an Aadhaar OTP, net banking or a bank account EVC; after that the filing date becomes the date of verification. We help you do it on the same call, so this step is never forgotten.

The department then processes the return and sends an intimation under section 143(1) by email. It confirms your figures, or shows a demand or a refund. Simple returns with matching data are often processed within a few weeks; returns with mismatches take longer.

If your refund is late, the usual reasons are a bank account that is not pre-validated, a PAN that is not linked with Aadhaar, an outstanding demand from an earlier year being adjusted, or a mismatch between your return and AIS. Our refund delay checker narrows it down, and our team follows up on the portal for Premium and Elite clients until the money is in your account.

Mistakes we fix most often during the filing season

These are the errors our team sees again and again in returns people filed on their own or got filed in a hurry. Each one can lead to a notice, a lower refund or extra tax:

• Savings and FD interest left out because no TDS was cut. It still appears in AIS and triggers a mismatch.
• Two employers, two standard deductions: after a job change both Form 16s show the deduction, but it can be claimed only once.
• Mutual fund redemptions ignored because "it was only a switch", but every switch is a sale for tax purposes.
• The wrong form: ITR-1 filed despite share trading, or ITR-4 filed despite F&O losses.
• HRA claimed in the new regime, where it is not allowed, or rent paid to a parent without the parent showing that rent as income.
• Return filed but never e-verified: legally it is treated as not filed at all.

If you see your own return in this list, it is usually not too late. A revised or updated return can correct most of these, and the earlier it is done, the cheaper it is.