File your Income Tax Return without thinking about it.

31 July 2026 for individuals not requiring tax audit. 31 October 2026 for those requiring audit u/s 44AB (typically business turnover > ₹1Cr or professional receipts > ₹75L). 30 November 2026 for transfer-pricing cases.

Missed the deadline? You can file a belated return till 31 December 2026 with a late fee (₹1,000 if income < ₹5L, ₹5,000 otherwise). Beyond that, you’d need to file an Updated Return (ITR-U) within the next 24 months with additional tax of 25–50%.

The new regime is the default since AY 2024–25. It has lower slab rates but disallows most deductions (80C, 80D, HRA, home loan interest u/s 24 for self-occupied property, etc.).

Rule of thumb: if your total deductions cross ~₹2.5L, the old regime usually wins. Below that, new regime saves more. We compute both for every client — you don’t pick blind.

Important: salaried can switch between regimes every year. Business/profession income earners can switch only once back to old regime in their lifetime — so this decision needs more care.

Equity (listed): Short-term (held < 12 months) = 20% on gains. Long-term (≥ 12 months) = 12.5% on gains above ₹1.25L exemption per year. Rates updated in Budget 2024.

Equity mutual funds: Same as equity above.

Debt mutual funds (bought post Apr 2023): Taxed at slab rates regardless of holding period.

Crypto / VDA: Flat 30% tax + 1% TDS. No loss set-off allowed. No expenses deductible.

Property (immovable): Held < 24 months = STCG at slab rates. Held ≥ 24 months = LTCG at 12.5% with indexation removed for properties bought post 23 Jul 2024 (or 20% with indexation — taxpayer’s choice for older properties).

Most notices fall into a few categories:

Section 143(1) intimation: Routine — confirms what you filed and any refund/demand. We respond free of charge as part of your filing plan.

Section 142(1) / 143(2) scrutiny: The AO has questions about specific items. Needs documentation and representation. Quoted separately (typically ₹4,999–₹14,999).

Section 148 (reassessment): AO believes income has escaped assessment. Often relates to capital gains or unexplained credits. Needs strong response — covered under our Consultancy retainer.

In all cases, the same CA who filed your return responds — they know your file, no re-explaining.

Refunds for e-verified, error-free returns typically credit within 15–45 days. The CPC processes most cases within 21 days. Delays usually stem from:

(1) PAN-Aadhaar linking issues — must be done before filing. (2) Bank account not pre-validated on the income tax portal. (3) Form 26AS / AIS mismatch flagging the return for manual review. (4) Refund > ₹50L often gets manual scrutiny.

If your refund is delayed beyond 45 days, we file a grievance on your behalf via the e-Nivaran or CPGRAMS portal.

Yes, in two ways:

Belated return (Sec 139(4)): If you missed the original deadline but it’s still before 31 December of the assessment year, you can file with a late fee (₹1,000–₹5,000). All deductions, refunds, and carry-forwards are preserved.

Updated return (ITR-U, Sec 139(8A)): If you missed even the belated window, you can file within 24 months of the end of the relevant assessment year. Additional tax of 25% (filed within 12 months) or 50% (12–24 months) on the tax payable. No refund or loss-carry-forward allowed in an ITR-U.

We routinely file ITR-U for clients who realised they had unreported foreign income or undeclared capital gains from earlier years.

Filing is mandatory regardless of income if any of these apply: foreign assets / income, electricity bill > ₹1L for the year, foreign travel spend > ₹2L, bank deposits > ₹50L in savings or > ₹1Cr in current accounts, business turnover > ₹60L, professional receipts > ₹10L, TDS / TCS > ₹25K (or ₹50K for senior citizens).

Even without these triggers, voluntary filing is recommended for: visa applications, loan/credit card processing, insurance claims, and to claim any TDS refund.

This is one of the most commonly mis-filed areas, and we file these regularly. The taxation works in three stages:

At vest: The fair market value (FMV) on the vesting date is treated as salary income (perquisite under section 17(2)(vi)) and taxed at your slab rate. Your employer typically deducts TDS for this.

At sale: The difference between sale price and FMV-at-vest is capital gain — short or long term depending on holding period from vest date (24 months for unlisted foreign shares).

Schedule FA: You must disclose all foreign holdings (the shares themselves) in Schedule FA — even if unsold. Non-disclosure attracts Black Money Act penalties.

We handle DTAA credit (Form 67), foreign tax withheld in source country, and FBAR/FATCA equivalents for US-residency cases.

Yes — provided three conditions are met. (1) Your parents must own the property and declare rent received as income in their ITR. (2) The arrangement must be genuine, ideally with a rental agreement. (3) Rent is paid via bank transfer (not cash) and you keep receipts.

If your annual rent exceeds ₹1L, you must also provide your landlord’s (parents’) PAN to your employer. The income tax department does cross-check this — we’ve seen disallowances where the arrangement looked artificial.

A simplified taxation method for small businesses and professionals where you declare a presumed percentage of your turnover as profit, without maintaining detailed books of accounts.

Section 44AD (business): 8% of turnover (6% for digital receipts) is deemed profit. Available if turnover ≤ ₹3Cr (raised from ₹2Cr if cash receipts < 5%).

Section 44ADA (profession): 50% of gross receipts is deemed profit. Available to specified professionals (doctors, lawyers, CAs, architects, IT consultants, etc.) with receipts ≤ ₹75L.

We help you assess whether opting in actually saves tax — often it doesn’t for low-expense professionals where actual profit is < 50%.

WhatsApp messages are end-to-end encrypted by default. For large file batches we use a secure client portal with TLS encryption and 30-day auto-deletion.

Documents are retained only for the duration of the engagement plus statutory retention requirements (8 years for tax records as per CBDT guidelines). You can request deletion of non-statutory records at any time.

We never share your data with third parties. Internally, only your assigned CA and a senior reviewer access your file.

Yes. A revised return (Sec 139(5)) can be filed up to 31 December of the assessment year, or before the AO completes assessment — whichever is earlier. There’s no fee for revising.

If we caused the error, revision is free. If new information came up that needed to be added (an additional Form 16, a missed capital gain), there’s a nominal revision fee — typically ₹499.

After 31 December, you’d need to file an Updated Return (ITR-U) with the associated additional tax.

Yes — covered fully in our Tax Consultancy retainer (₹14,999/year) and also as a one-off (₹1,499).

Advance tax is mandatory if your total tax liability exceeds ₹10,000 for the year. Due dates: 15% by 15 June, 45% by 15 September, 75% by 15 December, 100% by 15 March. Salaried individuals usually don’t need to worry — TDS covers it — but anyone with capital gains, business income, or rental income should plan advance tax.

Missing advance tax attracts interest under 234B (1% per month from April) and 234C (1% per month for each shortfall in instalments). We compute these proactively each quarter for retainer clients.