How to File Income Tax Return (ITR) Yourself in 2025 – A Complete Step-by-Step Guide

How to file Income Tax Return is no longer a complicated process reserved for Chartered Accountants. Thanks to pre-filled ITR forms and an upgraded online system, even first-time filers can complete their returns quickly and without stress.

For salaried individuals, the filing process is now faster, cheaper, and more transparent. This guide will walk you through everything you need to know from whether you actually need a CA to the exact steps for filing your ITR yourself.

Do You Still Need a Chartered Accountant to File ITR?

While CAs are still valuable for complex income situations like foreign assets, multiple businesses, or large capital gains, many taxpayers no longer need one.

If your income is straightforward — for example, a monthly salary and some basic tax-saving investments you can easily file your return online without professional help. This saves both time and money.

Benefits of Filing ITR Yourself

• Save on professional fees 💰
• Control over your tax details 🔍
• Faster filing process ⏳
• Easy corrections in real-time ✏️
• 24/7 availability of the portal 🌐

Step-by-Step Guide: How to File Income Tax Return Online

Step 1: Visit the Official ITR Website

Go to the official Income Tax e-Filing Portal

Step 2: Start the Filing Process

• Click on ‘e-File’ and select ‘Income Tax Return’
• Click ‘File Income Tax Return’

Step 3: Select Assessment Year & Mode

• Choose the relevant assessment year
• Select Online mode for a quicker process

Step 4: Choose the Right ITR Form

• ITR-1 for salaried individuals
• ITR-2 for those with capital gains or multiple properties
• ITR-3 for business or professional income

Step 5: Review Pre-Filled Details

The system will auto-populate most details like salary, TDS, and interest income. Review and make corrections if necessary.

Step 6: Add Deductions & Other Income

Include deductions under Section 80C, 80D, and others. Add any additional income not pre-filled.

Step 7: Check Tax Calculation

If tax is payable, click on ‘Pay Self-Assessment Tax’ before submission.

Step 8: Validate & Submit

After final review, click ‘Submit’.

Step 9: e-Verify Your ITR

This step is crucial without e-verification, your filing is incomplete. You can e-verify via:

• Net Banking
• Aadhaar OTP
• Digital Signature

Documents Required to File Income Tax Return

• Form 16 (for salaried employees)
• Form 26AS, AIS, TIS (tax credit and activity statements)
• PAN & Aadhaar Card (must be linked)
• Bank account details for refunds
• Investment proofs for deductions (PPF, LIC, ELSS, etc.)
• Home loan interest certificate (if applicable)

Tips for a Smooth ITR Filing Experience

• File before the due date to avoid penalties
• Keep all documents ready in advance
• Double-check bank account details for refunds
• Use the tax calculator on the ITR portal
• Save an acknowledgment copy for records

Final Word on How to File Income Tax Return in 2025

Filing your ITR is now simpler than ever. With pre-filled data, online payments, and instant verification, you can handle your taxes without stress and without paying hefty CA fees, unless your case is complex.

By learning how to file Income Tax Return yourself, you not only save money but also gain confidence in managing your personal finances.