ITR Filing Deadline Nears: 10-Point Checklist Before Sept 15

The last date to file Income Tax Returns (ITR) for FY 2024-25 is September 15, 2025. The government had already extended the date from July 31, but chances of another extension are slim. CAs caution taxpayers against waiting till the last day, as the portal may face glitches due to heavy traffic. To ensure a smooth filing experience, here’s a 10-step checklist to follow.

1. Keep Documents Ready

Collect all required documents such as Form-16, Form 26AS, AIS, PAN, Aadhaar, bank statements, investment proofs, and insurance receipts in advance.

2. Select the Right ITR Form

Each form has specific eligibility. For example, ITR-1 is for salaried and pensioners, while business owners or those with capital gains should choose ITR-2/3.

3. Fill Additional Details in New Forms

This year, extra details like landlord PAN (for HRA), policy numbers, and account details are required. Incomplete details may lead to claim rejection.

4. Match All Documents

Ensure Form-16, AIS, and Form 26AS have matching details. Discrepancies in income or TDS can trigger notices from the tax department.

5. Pre-Validate Bank Account

Refunds are credited only to pre-validated bank accounts linked to the tax portal. Double-check this step to avoid delays.

6. Complete e-Verification

Filing alone isn’t enough. You must e-verify your ITR through Aadhaar OTP, net banking, or digital signature for it to be valid.

7. Compare Old vs New Tax Regime

The old regime offers deductions, while the new regime has lower tax rates but no exemptions. Pick the one that reduces your tax outgo.

8. Know Penalties for Delay

Missing the September 15 deadline means filing a belated return by December 31 with a penalty of up to ₹5,000.

9. Avoid Portal Glitches

Past experience shows the portal slows down near the deadline. File early to prevent login errors, time-outs, or failed submissions.

10. Review Before Submitting

Check all details—income, deductions, bank details, and investments—carefully to avoid mistakes and ensure quick refunds.

Read more: Income Tax Department Sets Sept 30, 2025 as Deadline for TDS/TCS Relief on Inoperative PANs.

Conclusion

Filing your ITR on time is not just a legal requirement but also a financial responsibility. By following this checklist, you can avoid penalties, ensure error-free returns, and get refunds faster without last-minute stress.

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Investments in the securities market are subject to market risks, read all the related documents carefully before investing.