<p>As the deadline to file income tax returns for FY 2025-26 nears, which is July 31, several salaried taxpayers are concerned about how to file it if the Form 16 is delayed. This is particularly the case for those employees who switched jobs during the financial year and have not yet received all details regarding their salary from their employers. While Form 16 provides an essential summary of salary income and tax deducted at source (TDS), it is not mandatory for filing an ITR.</p><p>Taxpayers can still file their return without having to wait for Form 16. This can be done by using their salary slips, bank statements, Form 26AS and the Annual Information Statement (AIS) to calculate their income and complete the filing process.</p><h2>Documents required to file an ITR without Form 16:</h2><p>Before filing your return, keep all important documents ready to avoid mistakes. These include:</p><ul><li>Salary slips for FY 2025-26</li><li>Bank statements showing salary credits</li><li>Form 26AS to verify TDS deposited by the employer</li><li>Annual Information Statement (AIS) to check reported income</li><li>Bank or post office interest certificates</li><li>Proof of deductions and exemptions like documents relating to EPF, PPF, ELSS investments, NPS contributions, health insurance premiums, life insurance payments, home loan interest and rent receipts</li></ul><h2>How to file an ITR without Form 16:</h2><h3><strong>Step 1: Calculate your total salary income</strong></h3><p>Start by calculating your total salary earned during FY 2025-26 using your monthly salary slips. If you do not have all salary slips, check your bank statements to identify salary credits. Match these details with deductions such as provident fund contributions, professional tax and TDS.</p><p>Employees who changed jobs during the financial year must include salary received from all employers while calculating their annual income.</p><h3><strong>Step 2: Choose the correct tax regime</strong></h3><p>Your tax calculation will depend on whether you choose the old or new tax regime.</p><p>Under the old tax regime, taxpayers can claim several exemptions and deductions, including HRA, LTA and deductions under sections such as 80C, 80D and 80G, subject to eligibility.</p><p>Under the new tax regime, most exemptions and deductions are not available. However, taxpayers can claim the standard deduction as applicable.</p><p>Compare both regimes before filing to decide which one offers a lower tax liability.</p><h3><strong>Step 3: Report all sources of income</strong></h3><p>Salary is not the only income that needs to be reported in an ITR.</p><p>Taxpayers must disclose income from other sources, including:</p><ul><li>Savings account interest</li><li>Fixed deposit interest</li><li>Dividend income</li><li>Rental income</li></ul><p>Cross-check these details with AIS and bank statements to ensure there are no missing entries.</p><h3><strong>Step 4: Verify TDS details</strong></h3><p>Before claiming TDS credit, compare the tax deducted from your salary with the details available in Form 26AS.</p><p>If TDS is deducted by the employer but does not appear in Form 26AS, taxpayers should not claim the credit until the issue is corrected. The employer will have to file a revised TDS return to update the details.</p><h3><strong>Step 5: Check pre-filled details on the income tax portal</strong></h3><p>The income tax e-filing portal automatically fills several details based on information available with the department.</p><p>Before submitting the return, carefully check:</p><ul><li>Salary details</li><li>TDS information</li><li>Bank account details</li><li>Interest income</li><li>Deductions claimed</li><li>Personal information</li></ul><p>Make corrections wherever required.</p><h3><strong>Step 6: File the correct ITR form and complete verification</strong></h3><p>Salaried taxpayers with simple income sources can generally file ITR-1 if their total income is up to ₹50 lakh.</p><p>However, taxpayers with business or professional income, certain capital gains, or income from multiple house properties may need to use another ITR form.</p><p>After filing the return, complete e-verification by July 31. An ITR that is not verified within the required period is considered invalid, even if it has been successfully submitted.</p>

With the ITR filing deadline nearing, many salaried taxpayers may still be waiting for Form 16. Here are key things to know before submitting your income tax return on time.

As the deadline to file income tax returns for FY 2025-26 nears, which is July 31, several salaried taxpayers are concerned about how to file it if the Form 16 is delayed. This is particularly the case for those employees who switched jobs during the financial year and have not yet received all details regarding their salary from their employers. While Form 16 provides an essential summary of salary income and tax deducted at source (TDS), it is not mandatory for filing an ITR. Taxpayers can still file their return without having to wait for Form 16. This can be done by using their salary slips, bank statements, Form 26AS and the Annual Information Statement (AIS) to calculate their income and complete the filing process. Documents required to file an ITR without Form 16: Before filing your return, keep all important documents ready to avoid mistakes. These include: Salary slips for FY 2025-26 Bank statements showing salary credits Form 26AS to verify TDS deposited by the employer Annual Information Statement (AIS) to check reported income Bank or post office interest certificates Proof of deductions and exemptions like documents relating to EPF, PPF, ELSS investments, NPS contributions, health insurance premiums, life insurance payments, home loan interest and rent receipts How to file an ITR without Form 16: Step 1: Calculate your total salary income Start by calculating your total salary earned during FY 2025-26 using your monthly salary slips. If you do not have all salary slips, check your bank statements to identify salary credits. Match these details with deductions such as provident fund contributions, professional tax and TDS. Employees who changed jobs during the financial year must include salary received from all employers while calculating their annual income. Step 2: Choose the correct tax regime Your tax calculation will depend on whether you choose the old or new tax regime. Under the old tax regime, taxpayers can claim several exemptions and deductions, including HRA, LTA and deductions under sections such as 80C, 80D and 80G, subject to eligibility. Under the new tax regime, most exemptions and deductions are not available. However, taxpayers can claim the standard deduction as applicable. Compare both regimes before filing to decide which one offers a lower tax liability. Step 3: Report all sources of income Salary is not the only income that needs to be reported in an ITR. Taxpayers must disclose income from other sources, including: Savings account interest Fixed deposit interest Dividend income Rental income Cross-check these details with AIS and bank statements to ensure there are no missing entries. Step 4: Verify TDS details Before claiming TDS credit, compare the tax deducted from your salary with the details available in Form 26AS. If TDS is deducted by the employer but does not appear in Form 26AS, taxpayers should not claim the credit until the issue is corrected. The employer will have to file a revised TDS return to update the details. Step 5: Check pre-filled details on the income tax portal The income tax e-filing portal automatically fills several details based on information available with the department. Before submitting the return, carefully check: Salary details TDS information Bank account details Interest income Deductions claimed Personal information Make corrections wherever required. Step 6: File the correct ITR form and complete verification Salaried taxpayers with simple income sources can generally file ITR-1 if their total income is up to ₹50 lakh. However, taxpayers with business or professional income, certain capital gains, or income from multiple house properties may need to use another ITR form. After filing the return, complete e-verification by July 31. An ITR that is not verified within the required period is considered invalid, even if it has been successfully submitted.

<p>With the ITR filing deadline nearing, many salaried taxpayers may still be waiting for Form 16. Here are key things to know before submitting your income tax return on time.</p>

ITR filing without Form 16? Here’s how salaried taxpayers can submit returns before July 31 deadline

<p>The deadline to file the Income Tax Returns (ITR) is 31 July 2026, just a few days away. Till now, over 3 crore ITRs have been filed, highlighting a growing awareness and a strong shift towards early compliance. As the last day approaches, several taxpayers are scrambling to finish their filings and avoid hefty late fees and penalties.</p><p><br>However, despite these encouraging trends in tax compliance, experts warn that those who haven't yet filed shouldn't put it off any longer, since missing the deadline can trigger financial and procedural repercussions down the line, &nbsp;including added costs, delayed refunds, and complications with certain tax benefits.</p><p>&nbsp;</p><p><strong>Also read: </strong><a href="https://www.wionews.com/trending/hidden-in-british-archives-scientists-decode-200-year-old-indian-scroll-that-helped-sailors-cross-one-of-the-world-s-toughest-seas-1784965526693">Hidden in British archives: Scientists decode 200-year-old Indian scroll that helped sailors cross one of the world's toughest seas</a></p><h3>Here are some of the key consequences of missing the deadline:</h3><h2>Late filing fee</h2><p>If you don’t file your ITR by the notified due date, you may need to pay a late fee, as per the Income-tax Act, but only if the relevant conditions and limits apply in your case. And this isn’t some “instead of” thing. It comes along with whatever tax you already owe, so filing later doesn’t magically erase it.</p><h3>Interest on unpaid tax</h3><p>If any self-assessment tax is still pending after the due date, interest can keep stacking up until the unpaid part is finally cleared. Even if it looks small at first, the total interest amount can become more noticeable later on.</p><h3>Delay in receiving your refund</h3><p>For many salaried individuals, TDS is deducted during the year, so the refund is basically “your money back”. But you can only claim that back properly by filing the Income Tax Return. So if you delay the ITR, the refund also tends to get pushed back. Instead of getting the refund in a few weeks, you may end up waiting much longer, just because the return went in late.</p><h3>Trouble with carrying forward losses</h3><p>If you had eligible business losses or certain capital losses in the financial year, then timely filing may be important to carry them forward, so you can set them off in future years, subject to the Income-tax Act rules. Missing the deadline can mean you lose chances that could have helped reduce taxes later.</p>

ITR have been filed by over 3 crore people till now, and more people are rushing to complete it. Experts warn late filers face fees, mounting interest, delayed refunds, and loss of the ability to carry forward business or capital losses for future tax benefits.

The deadline to file the Income Tax Returns (ITR) is 31 July 2026, just a few days away. Till now, over 3 crore ITRs have been filed, highlighting a growing awareness and a strong shift towards early compliance. As the last day approaches, several taxpayers are scrambling to finish their filings and avoid hefty late fees and penalties. However, despite these encouraging trends in tax compliance, experts warn that those who haven't yet filed shouldn't put it off any longer, since missing the deadline can trigger financial and procedural repercussions down the line, including added costs, delayed refunds, and complications with certain tax benefits. Also read: Hidden in British archives: Scientists decode 200-year-old Indian scroll that helped sailors cross one of the world's toughest seas Here are some of the key consequences of missing the deadline: Late filing fee If you don’t file your ITR by the notified due date, you may need to pay a late fee, as per the Income-tax Act, but only if the relevant conditions and limits apply in your case. And this isn’t some “instead of” thing. It comes along with whatever tax you already owe, so filing later doesn’t magically erase it. Interest on unpaid tax If any self-assessment tax is still pending after the due date, interest can keep stacking up until the unpaid part is finally cleared. Even if it looks small at first, the total interest amount can become more noticeable later on. Delay in receiving your refund For many salaried individuals, TDS is deducted during the year, so the refund is basically “your money back”. But you can only claim that back properly by filing the Income Tax Return. So if you delay the ITR, the refund also tends to get pushed back. Instead of getting the refund in a few weeks, you may end up waiting much longer, just because the return went in late. Trouble with carrying forward losses If you had eligible business losses or certain capital losses in the financial year, then timely filing may be important to carry them forward, so you can set them off in future years, subject to the Income-tax Act rules. Missing the deadline can mean you lose chances that could have helped reduce taxes later.

<p>ITR have been filed by over 3 crore people till now, and more people are rushing to complete it. Experts warn late filers face fees, mounting interest, delayed refunds, and loss of the ability to carry forward business or capital losses for future tax benefits.</p>

ITR last date 2026: What happens if you miss deadline? Know about late fees, interest, delayed refunds

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ITR filing without Form 16? Here’s how salaried taxpayers can submit returns before July 31 deadline

ITR last date 2026: What happens if you miss deadline?