वेतनभोगी कर्मचारियों के लिए कर
यदि आपकी आय वेतन है और नियोक्ता टीडीएस काटता है, तब भी मूल छूट सीमा पार करने पर रिटर्न भरना अनिवार्य है — और अतिरिक्त टीडीएस वापस पाने का यही एकमात्र रास्ता है। आपका वर्ष दो बातों से तय होता है: आप किस व्यवस्था में भरते हैं, जो पसंद नहीं गणित है, और क्या आपका रिटर्न एआईएस से मेल खाता है — वेतनभोगी रिटर्न पर आने वाले लगभग हर नोटिस की जड़ यहीं है।
यह पेज आपके लिए है यदि
- Your main income is a salary, with TDS already deducted by your employer
- You have a Form 16 and are not sure whether that is the same as having filed
- You changed jobs during the year and have two Form 16s
- You have savings interest, dividends or a mutual fund redemption alongside the salary
- You want a refund of TDS that was deducted at more than your actual liability
- You need two or three years of returns for a home loan or a visa
क्या अलग है
जो केवल आप पर लागू होता है
Your tax is already paid — the return is the reporting
TDS is the payment; the return is the statement of what was owed. Having had tax deducted does not discharge the filing obligation, and the two are confused so often that it is worth saying plainly: a Form 16 in your inbox means your employer filed their return, not that you filed yours.
The regime choice is worth real money and changes each year
The old regime lets you claim 80C, 80D, HRA and home loan interest against higher rates; the new regime gives lower rates and a ₹75,000 standard deduction and almost nothing else. Which one costs less depends entirely on your own deductions, and it flips when a home loan starts or a rent agreement ends. You may choose afresh at filing time regardless of what you told payroll in April.
A job change double-counts your exemptions
Each employer computes your tax as though they were your only one, which means both applied the basic exemption and both allowed the standard deduction. The combined return almost always shows tax still payable, and discovering that at filing time in July is normal rather than a mistake — provided somebody actually combines them.
The AIS knows about income your employer never saw
Savings interest, dividends, a mutual fund redemption, a property sale. Your Form 16 cannot contain any of it, and a return filed from Form 16 alone will disagree with the department's own record. That mismatch is the single commonest trigger for a notice on a salaried return.
HRA is checked, not just claimed
House rent allowance is a genuine exemption and a genuinely scrutinised one. Rent above ₹1,00,000 a year requires the landlord's PAN, and claims are cross-checked against whether that landlord declared the rent. An HRA claim without rent actually being paid is not aggressive planning; it is the specific thing scrutiny looks for.
हम कैसे काम करते हैं
आपके मामले में यह कैसे चलता है
We start from the AIS, not from your Form 16
Your Form 16 is one employer's view of one part of your year. The Annual Information Statement is the department's view of all of it, and any disagreement between the two is what produces a notice eighteen months later. We pull both before asking you anything, and where they disagree we find out why before the return is prepared rather than after it is questioned.
Most of the time the explanation is mundane — a fixed deposit that matured, a mutual fund switch that reads as a redemption, a dividend from shares you forgot you held. Mundane is fine. Unexplained is not.
We compute both regimes and tell you the difference in rupees
Not a rule of thumb, not the default your payroll assumed in April. Your actual salary, your actual 80C, your actual home loan interest and HRA, run through both sets of slabs, with the answer stated as a number. If the difference is ₹4,000 we will say so, because that is worth knowing too.
Because a salaried filer may choose afresh at filing time, this decision is genuinely open every year regardless of what you declared to your employer.
We file, chase the e-verification, and stay with the return
A filed return that is not e-verified within thirty days is treated as never filed, and it is the step people forget. We follow up until it is done and send you the acknowledgement.
If a notice arrives later on a return we filed, dealing with it is part of the engagement rather than a new invoice.
जो अक्सर ग़लत होता है
- Believing Form 16 means the return has been filed
- Filing from Form 16 alone without opening the AIS
- Filing only the last employer's Form 16 after a job change
- Choosing the regime out of habit rather than computing both on this year's numbers
- Forgetting to e-verify within thirty days
- Claiming HRA without rent genuinely being paid