For Salaried Employees
Pay Less Tax,
Keep More Salary
ITR filing, Form 16 processing, HRA exemption, 80C deductions, old vs new regime advisory — expert CA guidance for every salaried professional.
10,000+
Salaried ITRs Filed
₹28K
Avg Tax Saved/Client
100%
Online Process
Jul 31
Filing Deadline
What We Do For Salaried Professionals
Salaried Services — All in One Place
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Annual Filing
ITR-1 / ITR-2 Filing
Complete income tax return for salaried employees with Form 16. Covers salary, HRA, 80C, home loan, and other income. Verified by CA before submission.
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Form 16
Form 16 Processing
We decode your Form 16 (Part A & B), validate TDS against Form 26AS, identify mismatches, and ensure all employer-deducted TDS is correctly credited.
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Exemptions
HRA Exemption Calculation
Accurate HRA exemption under Section 10(13A). We calculate the minimum of: actual HRA received, rent paid minus 10% of salary, or 50%/40% of basic — ensuring maximum benefit.
Included in ITR filing
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Deductions
Section 80C Tax Planning
Maximise your ₹1.5 lakh 80C limit with ELSS, PPF, LIC, NSC, home loan principal, children's tuition. We advise the best mix for your risk profile and tax bracket.
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Home Loan
Home Loan Tax Benefits
Section 24(b) interest deduction (₹2 lakh for self-occupied), Section 80C principal repayment, and Section 80EEA first-time buyer benefit. Maximise all three correctly.
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Planning
Year-Round Tax Planning
NPS (80CCD), health insurance (80D), education loan (80E), donations (80G), savings bank interest (80TTA). Full deduction audit to ensure nothing is missed.
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Regime Comparison
Old vs New Tax Regime — Which Saves More?
From FY 2023-24, the new regime is the default. Here's a direct comparison to help you choose.
| Feature | Old Regime | New Regime (Default) |
|---|---|---|
| Basic Exemption Limit | ₹2.5 lakh | ₹3 lakh |
| Tax-Free (Rebate u/s 87A) | Up to ₹5 lakh income | Up to ₹7 lakh income |
| Standard Deduction | ₹50,000 | ₹75,000 (FY 2024-25) |
| HRA Exemption | ✅ Available | ❌ Not available |
| Section 80C (₹1.5L) | ✅ Available | ❌ Not available |
| Home Loan Interest (24b) | ✅ Up to ₹2 lakh | ❌ Not available (let-out only) |
| NPS Employer (80CCD-2) | ✅ Available | ✅ Available |
| Best For | High deductions (HRA + 80C + Home Loan) | Low/no deductions, simple filing |
Tax Saving Opportunities
Don't Miss These Deductions
Section 80C — ₹1.5 Lakh Limit
PPF, ELSS mutual funds, LIC premium, EPF, NSC, home loan principal, children's tuition fees — any combination up to ₹1.5 lakh.
Section 80D — Health Insurance
₹25,000 premium for self + family. Additional ₹25,000-50,000 for senior citizen parents. Total deduction up to ₹1 lakh possible.
Section 80CCD(1B) — NPS Extra ₹50,000
Additional ₹50,000 deduction for voluntary NPS contributions, over and above the ₹1.5 lakh 80C limit. Effective for 30%+ tax bracket.
Section 80E — Education Loan Interest
100% deduction on interest paid on education loan for higher studies (self, spouse, children) for up to 8 consecutive years. No monetary cap.
HRA Exemption — Section 10(13A)
If you pay rent and receive HRA from employer, claim exemption. Keep rent receipts > ₹1 lakh/year. Landlord PAN required for annual rent > ₹1 lakh.
Section 80G — Charitable Donations
Donations to PMCARES, PM Relief Fund, Swachh Bharat, and approved charities qualify for 50%-100% deduction. Keep receipts with charity 80G registration number.
Common Questions
Salaried Tax Filing — FAQs
The answer depends on your total deductions. Generally, if your combined deductions (HRA + 80C + home loan interest + 80D + NPS) exceed ~₹3.75 lakh, the old regime saves more tax. If you have few deductions (e.g., renting is unnecessary, no home loan), the new regime's lower slab rates and higher basic exemption of ₹3 lakh tend to be better. TaxClue runs a side-by-side calculation for your specific numbers.
Yes, filing ITR is mandatory if your gross income exceeds ₹2.5 lakh (old regime) or ₹3 lakh (new regime), even if your employer deducted the correct TDS. Filing also lets you: claim refund if excess TDS was deducted, declare other income (interest, rent, capital gains), carry forward losses, and apply for home loans or visas which require ITR acknowledgement.
Required: Form 16 (Part A & B) from employer, PAN card, Aadhaar, Form 26AS (download from income tax portal), AIS (Annual Information Statement). Optional but useful: bank statements showing interest income, home loan interest certificate, rent receipts for HRA, investment proofs for 80C (PPF passbook, ELSS statement, LIC receipts), health insurance premium receipts for 80D.
Yes, you can claim both HRA (Section 10(13A)) and home loan interest deduction (Section 24b) simultaneously — for example, if you own a property in another city and pay rent where you work. For a self-occupied property in the same city, you generally cannot claim HRA, but this is fact-specific. TaxClue's CAs advise the correct approach for your situation to avoid notices.
The standard due date for salaried individuals (non-audit) is July 31 of the assessment year. Missing this date results in: late filing fee of ₹5,000 (₹1,000 if income below ₹5 lakh), interest on unpaid tax at 1% per month under Section 234A, and inability to carry forward capital losses. A belated return can be filed up to December 31 of the assessment year.
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