ITR Filing AY 2026-27 Guide | Income Tax Return Filing Online India | SetupFiling.in

ITR Filing AY 2026-27 Guide — File Income Tax Return Online in India

Your complete guide to Income Tax Return (ITR) filing for Assessment Year 2026-27 (FY 2025-26). Expert CA-assisted filing for salaried individuals, businesses, NRIs, and more — across India.

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Filing your ITR for AY 2026-27 (Financial Year 2025-26) is not just a legal obligation — it is a powerful financial tool. Whether you are a salaried employee in Delhi, a self-employed professional in Mumbai, a small business owner in Bangalore, or an NRI with Indian income, filing your income tax return correctly and on time is absolutely essential. Consequently, missing the deadline or filing the wrong ITR form can cost you in penalties, loss of refunds, and legal complications.

At SetupFiling.in, India's leading online business services platform, our team of experienced Chartered Accountants simplifies the entire ITR filing AY 2026-27 process for you. Moreover, we handle everything from selecting the right ITR form to filing, verification, and follow-up with the Income Tax Department. Therefore, thousands of taxpayers across India trust us year after year for error-free, timely, and hassle-free income tax return filing.

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ITR Filing AY 2026-27 — Important Due Dates

For Assessment Year 2026-27, the Income Tax Department has prescribed specific due dates for different categories of taxpayers. However, it is important to note that these dates may be extended by the government via notification. Therefore, always file your return well in advance to avoid last-minute rush and penalties.

⚠️ Key Due Dates for AY 2026-27 (FY 2025-26)

31st July 2026 Individuals, Salaried, HUF (non-audit cases)

31st October 2026 Businesses / Professionals (Tax Audit required)

30th November 2026 Transfer Pricing cases (International Transactions)

31st December 2026 Belated / Revised Return deadline

Furthermore, late filing under Section 234F attracts a penalty of ₹1,000 (income below ₹5 lakh) or ₹5,000 (income above ₹5 lakh). Additionally, interest under Sections 234A, 234B, and 234C applies on unpaid tax. As a result, timely ITR filing is always the smarter choice.

Which ITR Form to Use for AY 2026-27?

Choosing the correct ITR form is the very first step in the Income Tax Return Filing process for AY 2026-27. Similarly, filing the wrong form can make your return defective. Therefore, here is a quick guide to help you identify the right form for your situation.

ITR Form	Who Should File	Key Conditions
ITR-1 (Sahaj)	Salaried individuals, pensioners, one house property	Total income up to ₹50 lakh. No capital gains. Resident Indian only.
ITR-2	Individuals with capital gains, multiple properties, foreign income	No business/professional income. Income above ₹50 lakh.
ITR-3	Professionals, business owners, partners in firms	Business or professional income not covered by presumptive taxation.
ITR-4 (Sugam)	Small businesses, freelancers, presumptive income scheme	Section 44AD/44ADA/44AE. Income up to ₹50 lakh.
ITR-5	Partnership Firms, LLPs, AOPs, BOIs	Not applicable for individuals or companies.
ITR-6	Companies (except Section 11 exempt entities)	Mandatory e-filing. No physical filing allowed.
ITR-7	Trusts, NGOs, Political Parties, Charitable Institutions	Section 139(4A)/(4B)/(4C)/(4D) entities.

For instance, if you are a doctor or lawyer with professional income, ITR-3 is the appropriate choice. Likewise, if you are a small trader opting for Section 44AD, you should file ITR-4. Our experts at SetupFiling.in help you identify and file the correct form without any confusion.

How to File ITR Online for AY 2026-27 — Step-by-Step Process

Filing your Income Tax Return online for AY 2026-27 is now simpler than ever with the upgraded Income Tax e-filing portal. However, even small mistakes can lead to defective return notices. Therefore, follow this complete step-by-step process carefully — or simply let our CA experts handle everything for you.

Gather All Required Documents

Collect Form 16, Form 26AS, AIS/TIS statement, bank statements, investment proofs (80C, 80D), interest certificates, and capital gain statements. Additionally, keep your Aadhaar and PAN ready.

Select the Correct ITR Form

Choose from ITR-1 to ITR-7 based on your income sources, residential status, and turnover. Consequently, filing the wrong form leads to a defective return notice from the Income Tax Department.

Choose Between New and Old Tax Regime

For AY 2026-27, the new tax regime is the default option. However, if you have significant deductions under 80C, 80D, or HRA, the old regime may be more beneficial. Therefore, calculate both before deciding.

Fill and Verify Income Details

Enter salary income, house property income, capital gains, and other income. Moreover, verify pre-filled data from Form 26AS and Annual Information Statement (AIS) to avoid mismatches.

Claim All Eligible Deductions

Claim deductions under Section 80C (up to ₹1.5 lakh), 80D (health insurance), 80E (education loan interest), HRA, and other applicable sections under the old tax regime.

Pay Tax Due and Submit Return

If tax is payable, pay it as self-assessment tax via Challan 280 before filing. Subsequently, submit your return and verify it via Aadhaar OTP, net banking, or Digital Signature Certificate (DSC).

As a result, your ITR filing AY 2026-27 will be complete. Remember, e-verification is mandatory within 30 days of filing. Otherwise, the return is treated as not filed.

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Our ITR Filing Services for AY 2026-27

setupfiling.in offers a complete range of income tax return filing services tailored to every type of taxpayer in India. Furthermore, our team of qualified Chartered Accountants ensures accurate, compliant, and timely filing every year. Therefore, explore our specialised ITR filing services below.

ITR Filing for Salaried Individuals

If you are a salaried employee in Delhi, Mumbai, Bangalore, Hyderabad, or anywhere across India, our experts file your ITR-1 or ITR-2 accurately. We reconcile Form 16, Form 26AS, and AIS to ensure zero discrepancies. Moreover, we maximise your refund by claiming all eligible deductions.

For instance, we help you claim HRA, 80C investments, and 80D premiums correctly. As a result, many of our clients receive higher refunds than expected.

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ITR Filing for Business Owners & Self-Employed

Business owners and self-employed professionals have more complex tax situations. Therefore, our CAs handle ITR-3 and ITR-4 filing including presumptive taxation under Sections 44AD and 44ADA. We cover traders, freelancers, doctors, lawyers, and consultants across India.

Furthermore, if your turnover exceeds ₹1 crore, we also handle mandatory Income Tax Audit under Section 44AB alongside ITR filing.

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ITR Filing for Sole Proprietorship

A sole proprietorship is taxed as an individual. Consequently, the proprietor must file ITR-3 or ITR-4 based on turnover and income type. At SetupFiling.in, we handle complete ITR filing for sole proprietorship businesses across India, ensuring books of accounts, profit & loss reconciliation, and accurate tax computation.

Additionally, we help proprietors in Delhi, Ghaziabad, Noida, and across the Delhi NCR region with end-to-end tax compliance.

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ITR Filing for Companies & LLPs

Private Limited Companies and LLPs must file ITR-6 and ITR-5 respectively, along with mandatory Statutory Audit. Moreover, annual compliance for private limited companies includes ROC filing, AOC-4, and MGT-7 alongside income tax returns. Our team handles all these compliance requirements seamlessly.

Furthermore, we also manage LLP ROC return filing and income tax return filing together for complete compliance.

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ITR Filing for NGOs & Trusts

Charitable trusts, NGOs, and Section 8 companies must file ITR-7 along with compliance under Sections 12A and 80G. Additionally, these entities must submit Form 10B/10BB audit reports. Our specialists handle NGO income tax return filing with complete accuracy and regulatory compliance.

Therefore, if you manage a trust or NGO in India, trust our experts for your AY 2026-27 filing needs.

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Income Tax Audit (Section 44AB)

If your business turnover exceeds ₹1 crore or professional receipts exceed ₹50 lakh, a tax audit under Section 44AB is mandatory before ITR filing. Furthermore, the audit must be completed by a practising Chartered Accountant. Our team provides complete Income Tax Audit services across India.

Consequently, missing the audit deadline attracts a penalty of 0.5% of turnover or ₹1.5 lakh, whichever is lower. Therefore, plan early.

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TDS on Sale of Property (Form 26QB)

Buyers of immovable property above ₹50 lakh must deduct 1% TDS and file Form 26QB. Consequently, non-compliance attracts interest and penalty. Our experts handle complete TDS on sale of property compliance including Form 26QB filing and Form 16B issuance.

For instance, property buyers in Delhi, Ghaziabad, Noida, Mumbai, and other metro cities frequently use our services for seamless TDS compliance.

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New Tax Regime vs Old Tax Regime for AY 2026-27

One of the most critical decisions in ITR filing AY 2026-27 is choosing between the new and old tax regimes. The new tax regime, introduced under Section 115BAC, is now the default regime for AY 2026-27. However, taxpayers can still opt for the old regime if it results in lower tax liability. Therefore, it is essential to calculate your tax under both regimes before filing.

Under the new tax regime, individuals earning up to ₹12 lakh annually pay zero tax after the Section 87A rebate of ₹60,000. Furthermore, the new regime offers lower slab rates but disallows most deductions such as 80C, 80D, HRA, and LTA. In contrast, the old regime permits these deductions and is beneficial for taxpayers with high investment and insurance commitments.

For example, a salaried employee with ₹1.5 lakh in 80C investments, ₹25,000 in health insurance premium, and HRA exemption may find the old regime more beneficial. Similarly, a young professional with minimal deductions may benefit more from the new regime's lower rates. Consequently, our CA experts at SetupFiling.in always compute your tax under both regimes and recommend the optimal choice before filing your ITR for AY 2026-27.

Documents Required for ITR Filing AY 2026-27

Having all documents ready before you begin filing your income tax return for AY 2026-27 saves significant time and prevents errors. Moreover, missing documents can lead to incorrect tax computation and notices from the Income Tax Department. Therefore, here is a comprehensive list of documents you need to arrange.

For salaried individuals, the essential documents include Form 16 from your employer, Form 26AS from the TRACES portal, Annual Information Statement (AIS), and Taxpayer Information Summary (TIS) from the e-filing portal. Additionally, bank account statements for the full financial year (April 2025 to March 2026), interest certificates from savings accounts and fixed deposits, and home loan interest certificates are required.

Furthermore, investment proofs are critical for old regime filers. These include LIC premium receipts, ELSS mutual fund statements, PPF passbook, NPS contribution receipts, and school fee receipts for children under Section 80C. Health insurance premium receipts under 80D, education loan interest certificates under 80E, and rent receipts for HRA claims are also necessary. For business owners, additionally include profit and loss account, balance sheet, and GST return summaries. Our income tax filing team at SetupFiling.in provides a customised document checklist based on your specific situation.

Why Choose SetupFiling.in for ITR Filing AY 2026-27?

With thousands of ITR filing service providers available across India, choosing the right expert matters significantly. SetupFiling.in stands apart because of its team of experienced Chartered Accountants, Company Secretaries, and legal experts with over 15 years of combined expertise. Furthermore, our transparent pricing, quick turnaround time, and personalised service make us the preferred choice for individuals and businesses alike.

✓ Expert CA-Assisted Filing

Every return is reviewed and filed by a qualified Chartered Accountant, not just a data entry operator. Therefore, you get professional accuracy guaranteed.

✓ 100% Online Process

Upload your documents from the comfort of your home. Subsequently, our experts handle the entire process digitally from anywhere in India.

✓ Maximum Refund Guaranteed

We review your tax position and claim every eligible deduction and exemption. As a result, clients consistently receive higher refunds with SetupFiling.in.

✓ Transparent & Affordable Pricing

No hidden charges. Our ITR filing fees start from just ₹499 for simple returns. Additionally, all charges are disclosed upfront before you proceed.

✓ Quick 24–48 Hour Turnaround

Once documents are received, we file your return within 24 to 48 hours. Therefore, you never have to worry about missing the due date.

✓ Post-Filing Support

We assist with refund tracking, Income Tax notices, rectification requests, and revised returns after filing. Consequently, you have complete peace of mind throughout the year.

Moreover, SetupFiling.in is headquartered at 775, Sector 5, Vaishali, Ghaziabad, Delhi NCR 201010. We serve clients across the entire country — from metro cities to tier-2 and tier-3 towns. Therefore, wherever you are in India, we are just a call or click away.

Locations We Serve for ITR Filing AY 2026-27

SetupFiling.in provides expert ITR filing services across all major cities and states in India. From Delhi NCR to Chennai, Mumbai to Kolkata — we serve taxpayers pan-India with the same quality and speed.

ITR Filing in Delhi

Delhi taxpayers — whether salaried, government employees, businessmen, or professionals — can get expert ITR filing for AY 2026-27 at the most affordable prices. Furthermore, our Vaishali, Ghaziabad office is easily accessible from Central Delhi, South Delhi, and East Delhi. Additionally, we handle GST and compliance alongside income tax return filing for Delhi businesses.

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ITR Filing in Mumbai

Mumbai — India's financial capital — has a diverse taxpayer base including stock market investors, salaried professionals, real estate owners, and corporate employees. Therefore, many require ITR-2 filing for capital gains. Our online process makes ITR filing for Mumbai taxpayers completely seamless. Moreover, we handle STCG and LTCG calculations for equity, mutual funds, and property transactions.

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ITR Filing in Bangalore

Bangalore's IT sector employs lakhs of salaried professionals who receive ESOPs, RSUs, and high salaries. Consequently, their ITR filing requires careful handling of perquisites and foreign income. SetupFiling.in provides specialised ITR filing for Bangalore IT professionals, startup founders, and investors. Furthermore, we handle capital gains from equity and property investments.

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ITR Filing in Hyderabad

Hyderabad's booming pharma and IT sectors generate complex income tax situations. Therefore, taxpayers in Hyderabad increasingly rely on online CA-assisted ITR filing services. Our team handles ITR-2 and ITR-3 for Hyderabad professionals with capital gains, rental income, and business income. Additionally, we assist Hyderabad-based companies with corporate tax audits.

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ITR Filing in Chennai

Chennai taxpayers — including manufacturing sector employees, IT professionals, and traders — benefit from our comprehensive ITR filing services. Moreover, we handle ITR filing for Chennai-based sole proprietorships, partnerships, and private limited companies. Similarly, we assist exporters in Chennai with IEC compliance alongside income tax return filing for AY 2026-27.

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ITR Filing in Pune

Pune's growing IT, automotive, and manufacturing sectors create diverse income tax filing requirements. Consequently, many Pune taxpayers have multiple income sources including salary, rent, and capital gains. Therefore, they need expert guidance to choose the right ITR form and tax regime. Our online ITR filing service for Pune covers all categories — from students filing their first return to business owners with complex accounts.

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ITR Filing in Kolkata

Kolkata's trading community, professionals, and salaried workforce have unique ITR needs. For instance, partnership firms and LLPs are very common in Kolkata's business landscape. Therefore, ITR-5 filing for firms alongside individual ITR filing is frequently required. Furthermore, our partnership registration and tax compliance services in Kolkata offer complete business support.

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ITR Filing in Ghaziabad & Noida

Being headquartered in Vaishali, Ghaziabad, we offer in-person and online ITR filing services across Ghaziabad, Noida, Greater Noida, and the entire Delhi NCR region. Moreover, our office is just a few kilometres from key corporate hubs in Noida Sector 62, Sector 18, and the Noida Expressway business districts. Additionally, we serve Ghaziabad's growing industrial and residential taxpayer base.

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ITR Filing in Ahmedabad

Ahmedabad's thriving business community — including textile traders, diamond merchants, and pharma companies — requires expert ITR filing services. Furthermore, many Ahmedabad businesses opt for GST registration and income tax return filing together. Therefore, SetupFiling.in provides comprehensive tax compliance for Ahmedabad entrepreneurs and professionals for AY 2026-27.

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ITR Filing in Jaipur

Jaipur's tourism, gems, and jewellery sectors generate diverse income. Consequently, many Jaipur taxpayers have business income alongside salary. For instance, shop owners, hotel operators, and handicraft traders need ITR-3 or ITR-4 filing with accurate profit calculation. Moreover, our team assists Jaipur taxpayers with shop establishment compliance alongside ITR filing.

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ITR Filing in Lucknow

Lucknow's government employees, traders, and real estate investors all have specific ITR filing requirements. For instance, government employees with pension income and house property need to carefully claim HRA or home loan deductions. Furthermore, real estate investors need capital gains computation for property sold in FY 2025-26. Therefore, SetupFiling.in provides expert AY 2026-27 ITR filing support in Lucknow.

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ITR Filing in Surat

Surat — India's diamond and textile capital — has a large community of self-employed traders and business owners. Moreover, many Surat traders have turnover exceeding ₹2 crore, requiring mandatory tax audit before ITR filing. Therefore, our income tax audit and ITR filing services for Surat businesses ensure full compliance for AY 2026-27. Additionally, we help with GST return filing alongside income tax return filing.

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Additionally, we serve taxpayers in Chandigarh, Indore, Bhopal, Coimbatore, Kochi, Nagpur, Patna, Bhubaneswar, Guwahati, and all other cities across India through our 100% online ITR filing process. Therefore, no matter where you are in India, our CA experts are always available to assist you.

Related Tax & Compliance Services by SetupFiling.in

Beyond ITR filing AY 2026-27, SetupFiling.in offers a comprehensive suite of tax, registration, and compliance services for businesses and individuals across India. Furthermore, bundling multiple services results in better coordination and savings. Therefore, explore our other popular services below.

For businesses, we provide GST Registration, GST Return Filing, Private Limited Company Registration, LLP Registration, Sole Proprietorship Registration, and MSME Registration. Additionally, we handle Trademark Registration, FSSAI License, IEC Code Registration, and PF Registration. Moreover, our Advance Tax Payment and Statutory Audit services help businesses stay compliant year-round.

For individuals and professionals, we offer specialised TDS on Property Sale compliance, Income Tax Audit, and complete income tax advisory. Similarly, startups benefit from our Startup India Registration, DPIIT Recognition, and 80IAC Tax Exemption Certificate services.

Frequently Asked Questions — ITR Filing AY 2026-27

Here are the most searched questions about ITR filing for AY 2026-27 answered by our CA experts at SetupFiling.in.

What is the last date for ITR filing AY 2026-27?

The due date for ITR filing AY 2026-27 (FY 2025-26) for individuals and salaried taxpayers is 31st July 2026. For businesses requiring tax audit, the due date is 31st October 2026. Filing after the due date attracts a late fee of up to ₹5,000 under Section 234F. Additionally, interest under Sections 234A and 234B applies on unpaid tax amount.

Which ITR form should I use for AY 2026-27?

The ITR form depends on your income source. ITR-1 (Sahaj) is for salaried individuals with income up to ₹50 lakh. ITR-2 is for individuals with capital gains or multiple properties. ITR-3 is for professionals and business owners. ITR-4 (Sugam) is for those opting for presumptive taxation under Section 44AD/44ADA. ITR-5, ITR-6, and ITR-7 are for firms, companies, and trusts respectively. Our CA experts at SetupFiling.in help you identify the correct form.

What is the income tax exemption limit for AY 2026-27?

Under the new tax regime for AY 2026-27, individuals with income up to ₹12 lakh are exempt from income tax after the rebate under Section 87A of ₹60,000. Under the old tax regime, the basic exemption limit remains ₹2.5 lakh (₹3 lakh for senior citizens and ₹5 lakh for super senior citizens). The new tax regime is now the default regime. However, taxpayers can opt for the old regime by submitting Form 10-IEA before the due date.

What documents are required for ITR filing AY 2026-27?

Documents required for ITR filing AY 2026-27 include: Form 16 (from employer), Form 26AS and AIS/TIS statement, bank account statements (April 2025 to March 2026), interest certificates from banks and post office, home loan certificate, investment proofs for deductions under 80C and 80D, capital gain statements from broker or mutual fund house, rent receipts if claiming HRA, and Aadhaar and PAN card details. For businesses, profit and loss account, balance sheet, and GST returns are also required.

Can I file ITR for AY 2026-27 online without a CA?

Yes, you can file ITR online yourself on the Income Tax Department's e-filing portal at incometax.gov.in for simple cases like salaried ITR-1 filing. However, for complex cases involving capital gains, business income, multiple income sources, NRI taxation, or international transactions, it is strongly advisable to consult a qualified Chartered Accountant. SetupFiling.in provides expert CA-assisted ITR filing starting at ₹499 for the simplest returns. Call us at +91 9818209246 or email help@setupfiling.in to get started.

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