Common ITR Filing Mistakes to Avoid in AY 2025–26
Key Highlights
- Understand common income tax filing mistakes for AY 2025–26
- Learn how to file ITR correctly, even during postings or limited access
- Avoid TDS mismatch, deduction errors and wrong bank details
- Compare revised vs original return options
- Book your ITR filing slot with udChalo for just Rs. 99
Filing your Income Tax Return (ITR) for Assessment Year (AY) 2025–26? If you are a defence personnel or a family member handling taxes, you’ll want to avoid the usual mistakes that can lead to delays, penalties or even an income tax notice.
With simple planning and the right help, you can file your ITR accurately and stress-free. This guide covers the top ITR filing mistakes and how to avoid them, especially designed for the armed forces community.
Why Is Accurate ITR Filing Important?
Maintaining financial discipline is essential for soldiers, airmen, naval officers, and their families. Errors in ITR filing can cause:
- Rejections or delays in refunds
- Unwanted tax notices
- Penalties for incorrect claims or late submissions
- Missed financial benefits
Avoiding these issues means peace of mind and better planning.
Most Common ITR Filing Mistakes in AY 2025–26
1. Choosing the Wrong ITR Form
There are multiple ITR forms. Selecting the wrong one may lead to rejection. For instance, ITR-1 is meant for salaried individuals with income up to Rs. 50 lakh, but not if you have capital gains.
Tip: Use government and expert tools to check which ITR form applies to you. If unsure, get help from udChalo Finserv.
2. Mismatch in Income Details
The return may be flagged if the income declared doesn’t match your Form 26AS or AIS (Annual Information Statement).
| Document | Use | Common Error |
|---|---|---|
| Form 26AS | Summary of TDS deducted and paid | Ignoring employer or bank entries |
| AIS | Consolidated income sources | Forgetting small or passive incomes |
Solution: Cross-verify with both forms before submission.
3. TDS Mismatch and Incorrect Bank Details
These two minor errors often lead to refund delays:
- Your TDS details must match the system
- Bank account details must be accurate for refunds
Tip: Check IFSC codes, account numbers, and ensure your PAN is linked to the correct bank.
4. Wrong or Excess Deduction Claims
Deductions under Section 80C, 80D and others are often misunderstood. Claiming deductions without proof can cause issues.
Avoid:
- Claiming unverified LIC or PPF amounts
- Declaring tuition fees for non-dependent children
Pro Tip: Only include deductions backed by valid documents.
5. Missing or Delayed Filing
Many taxpayers miss the deadline or file incomplete forms.
| Missed Action | Result |
|---|---|
| Late filing | Penalty up to Rs 5,000 |
| Missed verification | ITR treated as not filed |
| No declaration of other income | Legal notice or reassessment |
Reminder: Filing your return before the deadline gives you time to revise, if needed.
AY 2025–26 ITR Tips for Defence Personnel
- File early to get more time for corrections
- Maintain digital copies of Form 16, 26AS and AIS
- Use secure networks for filing from remote locations
- Keep a checklist of all deductions and incomes
- Seek help if unsure—better safe than sorry
What Happens If You File the Wrong ITR?
You can revise your return if:
- You made a mistake in form selection
- Missed declaring income
- Entered the wrong bank or PAN details
But you can revise only before the end of the assessment year. Repeated errors may lead to scrutiny.
Need Help? udChalo offers expert-assisted ITR filing. For just Rs. 99, you can block your tax filing slot today and file later at your convenience.
Revised Return vs Original Return: What’s the Difference?
| Feature | Original Return | Revised Return |
|---|---|---|
| When to File | Before due date | Before 31 Dec 2025 |
| Purpose | First-time submission | Correcting earlier mistakes |
| Can Claim Refund? | Yes | Yes |
| Risk | Error-prone if rushed | Scrutiny if done repeatedly |
How Can udChalo Finserv Help?
udChalo understands the unique challenges faced by soldiers and their families. With frequent postings, limited access, and time constraints, tax filing can be stressful.
What udChalo Offers:
- Book your tax filing slot early for Rs. 99
- Get expert support in selecting the right ITR form
- Assistance with AIS and 26AS reconciliation
- Secure and convenient e-verification
- Easy help from anywhere in India
Stay Informed, File Smart
Filing your ITR right the first time saves time, stress, and money. Avoid these common ITR filing mistakes for AY 2025–26 and use reliable help when needed.
For our soldiers and their families, udChalo Finserv offers trusted tax filing services designed to make life simpler. Book your slot now at just Rs. 99 and file your return the smart way.
Plan ahead. File correctly. Stay compliant.
FAQs
- What are the most common ITR filing mistakes in 2025?
Common mistakes include using the wrong ITR form, entering incorrect bank details, mismatches in TDS, and claiming incorrect or ineligible deductions. These issues affect all profiles, including those filing ITR for Jawans, ITR for army, or ITR for Defence personnel. - Can I revise my ITR if I’ve made a mistake?
Yes. You can revise your return before 31 December 2025. This option is useful for everyone — whether you are a civilian taxpayer or filing ITR for navy, ITR for air force, or ITR for defense retirees. - What happens if I miss the ITR filing deadline?
A late filing fee of up to ₹5,000 may apply, and you might face delays in refunds. This is true whether you are a salaried civilian or filing ITR for Defence personnel, including ITR for Jawans or retired army staff. - Which ITR form should defence personnel use?
Most salaried defence personnel file using ITR-1. However, it depends on your total income, allowances, pension, or other earnings. It applies to individuals filing ITR for army, ITR for navy, ITR for air force, and ITR for Defence families. - Can I file ITR from a remote area or posting?
Yes. You can file your ITR from anywhere in India using online portals. udChalo Finserv offers end-to-end support for remote locations — especially helpful for those filing ITR for Jawans or ITR for air force personnel posted in border zones. - What if I forget to report income from interest or other sources?
Forgetting to declare income such as savings interest or rental income can lead to mismatches, scrutiny, or notices. Defence professionals filing ITR for defense or ITR for navy must ensure that all earnings reflected in AIS and Form 26AS are correctly reported. - Is booking a filing slot with udChalo necessary?
No, it is not mandatory. But by locking in your slot for ₹99, you get early access to expert assistance. This is useful for anyone filing ITR for army, ITR for air force, or ITR for jawans with tight schedules or deployment constraints. - How do I check if my bank account is correct for refund?
Log in to the Income Tax Portal and verify your bank account status under “My Profile”. Refunds are processed only to pre-validated accounts — an important step whether you are a civilian or filing ITR for Defence families or veterans. - What documents do I need to file my ITR?
You need Form 16, Form 26AS, AIS, PAN, Aadhaar, and bank details. For those filing ITR for Jawans or ITR for defense, documents related to allowances, pension, or exemptions should also be kept handy to ensure accurate filing. - How does udChalo Finserv ensure my data is safe?
All data is encrypted with industry-grade protocols. udChalo follows strict internal processes to safeguard sensitive information, especially for those filing ITR for the air force, ITR for the navy, ITR for the army, and other categories under ITR for Defense.
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