ITR-1 (Sahaj) Filing
For salaried individuals with income up to ₹50 lakh
End-to-end e-filing of ITR-1 for salary, one house property and other sources. We pick the right regime, maximise deductions and file well before the due date.
What's included
- Old vs new regime comparison
- Form 16 & AIS reconciliation
- Deduction optimisation (80C, 80D & more)
- E-verification support
- Post-filing support for notices
Understanding ITR-1 (Sahaj) Filing
ITR-1, also called Sahaj, is the simplest income tax return form under the Income-tax Act, 1961. It is meant for resident individuals whose total income does not exceed ₹50 lakh and comes from salary or pension, one or two house properties, and other sources such as savings interest or fixed deposits. If you are a salaried employee with a Form 16 in hand, this is almost certainly the return you need to file for FY 2025-26 (AY 2026-27).
Filing on time matters even if your employer has already deducted TDS. Your return is what actually settles your tax position for the year — it is how you claim refunds of excess TDS, carry your income record forward for visa and loan applications, and stay clear of late fees under Section 234F. The due date for non-audit taxpayers this season is 31 July 2026, and the portal gets slower and busier as that date approaches.
Finscape prepares and files your ITR-1 for ₹999, typically within 1-2 working days. A qualified professional reviews your Form 16, AIS and Form 26AS, picks the better of the old and new tax regimes for you, and files only after you approve a draft computation. You get a clear summary of your refund or tax payable, not just an acknowledgement number.
Who needs this?
Salaried employees
You earn a salary from one or more employers and hold a Form 16, with total income up to ₹50 lakh.
Pensioners
You receive pension income from a former employer or annuity provider, plus routine interest income.
First-time filers
You started your first job this year and want your first return filed correctly, with the right regime chosen.
Refund claimants
Your employer or bank deducted more TDS than your actual tax liability and you want the excess refunded.
Home owners with rental income
You own one or two house properties, self-occupied or let out, alongside salary income.
Loan and visa applicants
You need ITR acknowledgements as income proof for a home loan, credit card or visa application.
When this is NOT the right fit
| Your situation | What applies instead |
|---|---|
| ✕You are a non-resident or resident but not ordinarily resident (RNOR) | ITR-1 is restricted to ordinarily resident individuals. NRIs and RNORs must use ITR-2 or ITR-3. |
| ✕You have business or professional income | Freelance, consulting or business income requires ITR-3, or ITR-4 if you opt for presumptive taxation. |
| ✕You own more than two house properties | Post-2024 rules allow up to two house properties in ITR-1. A third property pushes you to ITR-2. |
| ✕You have capital gains beyond Section 112A LTCG of ₹1.25 lakh | ITR-1 now accepts only long-term gains on listed equity under Section 112A up to ₹1.25 lakh. Any other capital gains — short-term equity, property, debt funds — need ITR-2. |
| ✕You hold foreign assets or earn foreign income | Foreign bank accounts, ESOPs of overseas employers or foreign shares must be reported in Schedule FA of ITR-2. |
| ✕You are a company director or hold unlisted equity shares | Directorship and unlisted shareholding both disqualify you from ITR-1; ITR-2 has dedicated disclosures for these. |
| ✕Your agricultural income exceeds ₹5,000 | ITR-1 caps exempt agricultural income at ₹5,000. Beyond that, ITR-2 with Schedule EI is required. |
Not sure which applies to you? Message us — we'll point you to the right service in minutes, free.
Documents you'll need — and why
Form 16 (Parts A and B)
Confirms your salary breakup, exemptions claimed and TDS deposited by your employer.
PAN and Aadhaar
Mandatory identifiers for filing; Aadhaar must be linked to PAN for e-verification.
Form 26AS and AIS
We cross-check every TDS credit and reported income so nothing triggers a mismatch notice.
Bank account details
A pre-validated account is required for the refund to be credited by the department.
Interest certificates from banks and post office
Savings and FD interest must be declared even where TDS was not deducted.
Investment proofs (80C, 80D, HRA rent receipts)
Needed to claim deductions under the old regime if it works out better for you.
Home loan interest certificate
Supports the Section 24(b) interest deduction on your house property, up to ₹2 lakh.
How it works, step by step
- 1
Share your documents
10 minutesUpload Form 16 and basic details through a secure link, or simply email them to us.
- 2
Review and computation
Same dayWe reconcile your documents with AIS and Form 26AS, compute tax under both regimes and pick the lower one.
- 3
Draft approval
Same dayYou receive a plain-English summary of income, deductions and refund or tax payable. Ask us anything before approving.
- 4
Filing and e-verification
1-2 working daysWe file the return on the e-filing portal and guide you through Aadhaar OTP e-verification.
- 5
Acknowledgement and follow-up
Refunds typically 2-5 weeksYou get the ITR-V acknowledgement, and we track your refund until it hits your bank account.
Due dates to know
ITR-1 due date (AY 2026-27)
31 July 2026
For individuals not subject to tax audit.
Belated or revised return
31 December 2026
Filed with late fee under Section 234F if the original deadline is missed.
E-verification window
Within 30 days of filing
An unverified return is treated as not filed at all.
What non-compliance costs
Filing after 31 July 2026
Late fee under Section 234F: ₹1,000 if total income is up to ₹5 lakh, ₹5,000 otherwise.
Tax remains unpaid after the due date
Interest under Section 234A at 1% per month on the unpaid tax until you file.
Advance tax shortfall
Interest under Sections 234B and 234C at 1% per month on the shortfall.
Not filing at all despite taxable income
Loss of refund, possible best-judgement assessment under Section 144, and prosecution under Section 276CC in serious cases.
Why doing this right pays off
Old vs new regime comparison
We compute your tax both ways every single time, so you never overpay just because a regime was picked by default.
AIS and 26AS reconciliation
Every income entry the department already knows about is matched to your return, which is the single biggest way to avoid a 143(1) mismatch.
Faster, tracked refunds
Pre-validated bank details and clean filing mean refunds usually arrive in 2-5 weeks, and we follow up if they do not.
Expert on call
A real professional answers your questions before filing — not a chatbot, not a form you fill alone at midnight on 31 July.
Records that work for you
Consistent, accurate ITRs build the income history banks and embassies actually look at.
Common DIY mistakes we see
- Copying Form 16 blindly without checking AIS, and missing savings or FD interest the bank has already reported to the department.
- Staying in the default new regime when old-regime deductions like HRA, 80C and home loan interest would have saved more tax.
- Filing but forgetting to e-verify within 30 days, which makes the return invalid as if never filed.
- Using ITR-1 despite having capital gains or being a company director, leading to a defective-return notice under Section 139(9).
- Entering an unvalidated or closed bank account and then waiting months for a refund that cannot be credited.
Frequently asked questions
Yes. TDS is only a prepayment; the return is what legally settles your tax for the year. If your total income exceeds the basic exemption limit, filing is mandatory, and it is the only way to claim any refund of excess TDS.
Not sure if this is the right service?
Message us on WhatsApp — a real expert replies, usually within minutes.
All-inclusive professional fee. Government fees (if any) extra at actuals.
Grab a coupon below — it applies at checkout.
🎁 Offers on this service
10% off up to ₹500
You save ₹99 → pay only ₹900
ITR due date — AY 2026-27 (non-audit)
31 July 2026 — book now and beat the last-minute rush.